Bob Woolf
Executive Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(239) 393-2906(239) 393-2906
The Woolf Group at Morgan Stanley
Direct:
(239) 393-2906(239) 393-2906
Our Mission Statement
You’ve taken decades to earn your wealth. Take an hour to understand what it means for your retirement.
Our Story and Services
In a perfect world, when do you want to retire? And you can’t say 65.
When we pose that question to new clients who have worked hard to build long careers, they are often unsure. After our combined 50 years in the industry, we’ve found that the most likely obstacle standing between you and your retirement goals is not a lack of wealth, but an incomplete understanding of what your wealth really means.
We want you to work if you WANT to work. Not because you think you NEED to work. Transitioning to retirement is a thoughtful process that we take ownership in being there every step along the way.
• When should you begin to claim social security?
• How should you manage your pension and Required Minimum Distributions?
• Should you utilize a ROTH IRA to bridge your retirement income?
Taking your money from the right pockets of your wealth can have major tax advantages. That’s why we map out a thoughtful, tax-efficient plan to fit your distinct needs and can work closely with your insurance, legal and tax advisors to orchestrate a plan for your continued prosperity. It helps ensure your wealth is working as hard as possible for you in a manner in which you are comfortable.
Whatever your specific life goals are is what will what dictate the financial approach we take for you. At the same time, we know that people change. What matters to you at age 50 might seem less important to you at age 70. So we don’t make financial decisions you can’t change.
For a complimentary second opinion on your current investments, or to discuss your goals, please email us at thewoolfgrp@morganstanley.com and we will get back to you the same day.
Our services include:
• Retirement Transitions
• Tax Reduction Strategies
• Helping clients decide when and how to precisely take Social Security
• 401k Rollovers
• Portfolio Management
• Banking and Lending Strategies
• Cash Flow Planning
• Financial Planning
• Cash Reserves Strategies
Typically, a retirement plan participant leaving an employer's plan has the following four options (and may be able to use a combination of these options depending on their employment status, age and the availability of the particular option):
1. Cash out the account value and take a lump sum distribution from the current plan subject to mandatory 20% federal income tax withholding, as well as potential income taxes and 10% early withdrawal penalty tax, or continue tax deferred growth potential by doing one of the following:
2. Leave the assets in the former employer’s plan (if permitted)
3. Roll over the retirement assets into the new employer’s qualified plan, if one is available and rollovers are permitted, or
4. Roll over the retirement savings into an IRA
Other factors to consider when making a rollover decision include (among other things) the differences in: (1) investment options, (2) fees and expenses, (3) services, (4) penalty-free withdrawals, (5) creditor protection in bankruptcy and from legal judgments, (6) required minimum distributions or “RMDs,” (7) the Tax Treatment of Employer Stock, and (8) the availability of plan loans (e.g., loans are not permitted from IRAs, and the availability from an employer’s qualified retirement plan will depend on the terms of the plan.)
A Roth Conversion may not be right for everyone. There are a number of factors taxpayers should consider before converting, including (but not limited to) whether or not the cost of paying taxes today outweighs the benefit of income tax-free Qualified Distributions in the future. Before converting, taxpayers should consult their tax and legal advisors based on their specific facts and circumstances
When 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.
When we pose that question to new clients who have worked hard to build long careers, they are often unsure. After our combined 50 years in the industry, we’ve found that the most likely obstacle standing between you and your retirement goals is not a lack of wealth, but an incomplete understanding of what your wealth really means.
We want you to work if you WANT to work. Not because you think you NEED to work. Transitioning to retirement is a thoughtful process that we take ownership in being there every step along the way.
• When should you begin to claim social security?
• How should you manage your pension and Required Minimum Distributions?
• Should you utilize a ROTH IRA to bridge your retirement income?
Taking your money from the right pockets of your wealth can have major tax advantages. That’s why we map out a thoughtful, tax-efficient plan to fit your distinct needs and can work closely with your insurance, legal and tax advisors to orchestrate a plan for your continued prosperity. It helps ensure your wealth is working as hard as possible for you in a manner in which you are comfortable.
Whatever your specific life goals are is what will what dictate the financial approach we take for you. At the same time, we know that people change. What matters to you at age 50 might seem less important to you at age 70. So we don’t make financial decisions you can’t change.
For a complimentary second opinion on your current investments, or to discuss your goals, please email us at thewoolfgrp@morganstanley.com and we will get back to you the same day.
Our services include:
• Retirement Transitions
• Tax Reduction Strategies
• Helping clients decide when and how to precisely take Social Security
• 401k Rollovers
• Portfolio Management
• Banking and Lending Strategies
• Cash Flow Planning
• Financial Planning
• Cash Reserves Strategies
Typically, a retirement plan participant leaving an employer's plan has the following four options (and may be able to use a combination of these options depending on their employment status, age and the availability of the particular option):
1. Cash out the account value and take a lump sum distribution from the current plan subject to mandatory 20% federal income tax withholding, as well as potential income taxes and 10% early withdrawal penalty tax, or continue tax deferred growth potential by doing one of the following:
2. Leave the assets in the former employer’s plan (if permitted)
3. Roll over the retirement assets into the new employer’s qualified plan, if one is available and rollovers are permitted, or
4. Roll over the retirement savings into an IRA
Other factors to consider when making a rollover decision include (among other things) the differences in: (1) investment options, (2) fees and expenses, (3) services, (4) penalty-free withdrawals, (5) creditor protection in bankruptcy and from legal judgments, (6) required minimum distributions or “RMDs,” (7) the Tax Treatment of Employer Stock, and (8) the availability of plan loans (e.g., loans are not permitted from IRAs, and the availability from an employer’s qualified retirement plan will depend on the terms of the plan.)
A Roth Conversion may not be right for everyone. There are a number of factors taxpayers should consider before converting, including (but not limited to) whether or not the cost of paying taxes today outweighs the benefit of income tax-free Qualified Distributions in the future. Before converting, taxpayers should consult their tax and legal advisors based on their specific facts and circumstances
When 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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Woolf Group Principles
1. WE AVOID COMPLICATED INVESTMENTS
Our rule of thumb is: If we can't readily explain what it is, we don't invest your money in it. That means no risky alternative investments. No illiquid investments. We value transparency and integrity. While always accounting for your specific risk tolerance, we ensure you know exactly how your wealth is allocated and working for you.
2. CASH FLOW (NOT WEALTH) IS QUALITY OF LIFE
Retirement is a much happier time when you have a positive cash flow versus a high net-worth. When it comes to managing your assets, we have one main priority: we want to give you a raise every year. Because retirement is all about quality of life and having the freedom to finally live out the vision you previously could only imagine.
3. TAX EFFICIENCY IS PARAMOUNT TO GROWING YOUR WEALTH
Many of our clients are in a high tax bracket. Managing tax exposure and properly utilizing all available tax minimization strategies throughout the year is paramount to growing your wealth. We routinely review our clients' portfolios for opportunities to lower their taxes for the current and future tax years. (i.e. Roth Conversions, Tax Loss Harvesting, etc.)
4. LONG-TERM PERSPECTIVE
In the beginning years of retirement, people tend to spend. They buy the things they've been dreaming about during their working years. But they also tend to fill their newly found free time reading every economic headline that comes out. With this combo of spending and worrying, it's not unusual for recent retirees to make bad investment decisions. We know this; that's why we help you lead a prudent and confident financial life, ensuring emotion does not derail your plans.
5. REGULAR CLIENT CONTACT IN HUMAN TERMS
We enjoy working very closely with clients and connecting with them on a frequent, proactive basis. Throughout the year, we suggest four review calls and two tax planning calls at a minimum. We are mindful of clients' busy schedules and are here to help organize their wealth planning. We take ownership in providing ideas and financial tools to help simplify their lives. We value our deep client relationships and consider many of our clients family. Our approach isn't based on a textbook. Instead of talking abstractly about market trends and economic indicators, we're going to make numbers real for you and explain how they relate to your personal situation.
Our Technology Capabilities
Morgan Stanley Online
Morgan Stanley Online is the foundation of our modern wealth client experience. Our digital capabilities online and on the Morgan Stanley Mobile App allow you to stay informed about your investments and manage your everyday finances while providing protection for your account with our encryption and fraud prevention technology.
Morgan Stanley Online
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
eAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
eAuthorizationseAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
eSign
eSign allows you to simply and easily sign account opening and transaction forms electronically. It is completely digital, so your personal information never has to be printed or emailed, making it more secure than traditional methods like email, paper, or fax. Once you receive an email from "Morgan Stanley via DocuSign," you simply follow the instructions and sign your documents.
When you use eSign, you must verify your identity before you sign the document and then, once signed, the document is sealed against tampering and cannot be edited.
eSignWhen you use eSign, you must verify your identity before you sign the document and then, once signed, the document is sealed against tampering and cannot be edited.
Total Wealth View
Through Morgan Stanley Online, you can view your Morgan Stanley accounts and those from other financial institutions all in one secure place. This gives a better view of your complete financial picture and helps to better track your goals and plan for the future.
Total Wealth ViewWoolf Group Resources
2025 Morgan Stanley Tax Guide
A helpful collection of your Federal tax thresholds and limits.
2025 Morgan Stanley Tax Guide
2024 Morgan Stanley Tax Guide
A helpful collection of your Federal tax thresholds and limits.
2024 Morgan Stanley Tax GuideLocation
928 N Collier Blvd 3rd
Fl
Marco Island, FL 34145
US
Direct:
(239) 393-2906(239) 393-2906
35 Village Road
Suite 601
Middleton, MA 01949
US
Meet The Woolf Group
Henry Perazzelli, CFP®
Vice President, Portfolio Management Associate Director
Phone:
(978) 739-9668(978) 739-9668
Quentin Woolf
Client Relationship Analyst
Phone:
(239) 449-7829(239) 449-7829
About Bob Woolf
Bob Woolf is an Executive Director and Financial Advisor with The Woolf Group at Morgan Stanley. For decades, he has empowered individuals and families with the financial experience and resources they need to help overcome the obstacles of retirement, and achieve their long-term objectives.
A graduate of Skidmore College, Bob first entered the wealth management industry as a Financial Advisor with Merrill Lynch in 1989. In 2008, he joined UBS Financial Services as a Senior Vice President, Wealth Management. Then in 2014, he joined J.P. Morgan –– where he held the title of Managing Director and Wealth Advisor –– before coming on board with Morgan Stanley in 2022.
Though Bob likes to say that he fell into this business accidentally, the truth is that his roots in the industry started at a young age out of necessity. When he was 22 years old, his father unexpectedly passed, and suddenly he found himself with a family to take of: a mother who needed help running a family business; two brothers with disabilities; and a sister applying to college. Wealth management, therefore, was something he learned in real life terms, and with a deeply personal motivation.
Today, as the leader of The Woolf Group, Bob brings that same passion and commitment to his clients’ financial lives. With a focus on long-term financial health, he helps them enjoy the kind of secure, stable retirements they deserve after a long, successful career. From tax minimization and cash flow analysis to portfolio management and estate planning –– he strives to be a comprehensive and accessible resource whenever his clients are in need of trusted financial guidance.
Outside the office, Bob lives in Norwell, MA with his wife and their three sons. In his free time, Bob enjoys golf and tennis.
A graduate of Skidmore College, Bob first entered the wealth management industry as a Financial Advisor with Merrill Lynch in 1989. In 2008, he joined UBS Financial Services as a Senior Vice President, Wealth Management. Then in 2014, he joined J.P. Morgan –– where he held the title of Managing Director and Wealth Advisor –– before coming on board with Morgan Stanley in 2022.
Though Bob likes to say that he fell into this business accidentally, the truth is that his roots in the industry started at a young age out of necessity. When he was 22 years old, his father unexpectedly passed, and suddenly he found himself with a family to take of: a mother who needed help running a family business; two brothers with disabilities; and a sister applying to college. Wealth management, therefore, was something he learned in real life terms, and with a deeply personal motivation.
Today, as the leader of The Woolf Group, Bob brings that same passion and commitment to his clients’ financial lives. With a focus on long-term financial health, he helps them enjoy the kind of secure, stable retirements they deserve after a long, successful career. From tax minimization and cash flow analysis to portfolio management and estate planning –– he strives to be a comprehensive and accessible resource whenever his clients are in need of trusted financial guidance.
Outside the office, Bob lives in Norwell, MA with his wife and their three sons. In his free time, Bob enjoys golf and tennis.
Securities Agent: SC, PA, NC, CO, AZ, CT, AL, ME, DC, WA, VT, RI, OR, NH, CA, FL, MA, NY, VA, NM, TX, OH, NV, NJ, IL, GA; General Securities Representative; Investment Advisor Representative
About Henry Perazzelli
Henry Perazzelli is a Vice President and Portfolio Management Associate Director with The Woolf Group at Morgan Stanley. Henry brings over a decade of industry experience to his clients’ lives, helping them reach their investments goals and guiding them through one of life’s most complex transitions: retirement.
A graduate of the University of San Diego with a B.B.A. in Business Economics –– Henry first entered the financial industry in 2012 as an Investment Associate at J.P. Morgan. For ten years with the Firm, he focused exclusively on the unique wealth management needs of high-net-worth and ultra-high-net-worth clients. In 2017, he earned the rigorous CERTIFIED FINANCIAL PLANNER™ designation in order to further enhance his offering for his clients. It was for that same reason that he joined Morgan Stanley –– a partnership that allows him to equip his clients with the technology, resources, and research from one of the most well-respected wealth management firms in the world.
With The Woolf Group, Henry primarily focuses on retirement planning and portfolio management. Working with executives, professionals, and families, he helps clients craft and execute financial strategies to help maintain quality of life long after their careers come to an end. One constant in his customized strategies is risk management, and the portfolios he designs purposefully avoid “trendy” investments in favor of those focused on dividend growth and long-term appreciation.
Integrity. Service. Trust. Those values are the pillars of his practice, the bedrock of his every client relationship. He prides himself on going above and beyond for his clients, helping them in big and small ways.
Outside the office, Henry lives in Newburyport, MA with his wife and their two sons. He currently sits on the Board of Directors for the Firehouse Center for the Arts. A former NCAA Division 1 rower, he enjoys staying active with cycling, surfing, and golf.
A graduate of the University of San Diego with a B.B.A. in Business Economics –– Henry first entered the financial industry in 2012 as an Investment Associate at J.P. Morgan. For ten years with the Firm, he focused exclusively on the unique wealth management needs of high-net-worth and ultra-high-net-worth clients. In 2017, he earned the rigorous CERTIFIED FINANCIAL PLANNER™ designation in order to further enhance his offering for his clients. It was for that same reason that he joined Morgan Stanley –– a partnership that allows him to equip his clients with the technology, resources, and research from one of the most well-respected wealth management firms in the world.
With The Woolf Group, Henry primarily focuses on retirement planning and portfolio management. Working with executives, professionals, and families, he helps clients craft and execute financial strategies to help maintain quality of life long after their careers come to an end. One constant in his customized strategies is risk management, and the portfolios he designs purposefully avoid “trendy” investments in favor of those focused on dividend growth and long-term appreciation.
Integrity. Service. Trust. Those values are the pillars of his practice, the bedrock of his every client relationship. He prides himself on going above and beyond for his clients, helping them in big and small ways.
Outside the office, Henry lives in Newburyport, MA with his wife and their two sons. He currently sits on the Board of Directors for the Firehouse Center for the Arts. A former NCAA Division 1 rower, he enjoys staying active with cycling, surfing, and golf.
Contact Bob Woolf
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Stacey Herring
Private Banker
About Stacey Herring
Stacey Herring is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy, dedication, and commitment to children’s causes.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy, dedication, and commitment to children’s causes.
NMLS#: 434321
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Ready to start a conversation? Contact The Woolf 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.
Awards Disclosures
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
