Michael Zowine
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(404) 459-3864(404) 459-3864
The Zero Mile Post Group at Morgan Stanley
Direct:
(404) 705-6500(404) 705-6500
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story
The history of Atlanta dates back to 1836, when Georgia decided to build a railroad to the Midwest and a location was chosen to be the line’s terminus. The stake marking the founding of Terminus was driven in the ground in 1837 and was called the “Zero Mile Post.” A settlement grew around the post, and Atlanta became the rail hub for the entire southern United States, eventually becoming the place where 7 million people call home today.
The most complete client experience starts with a well-thought-out plan, our “Post.” We look forward to helping you grow and achieve your life goals.
The most complete client experience starts with a well-thought-out plan, our “Post.” We look forward to helping you grow and achieve your life goals.
Services Include
- Professional Portfolio ManagementFootnote1
- Business PlanningFootnote2
- Business Succession PlanningFootnote3
- Retirement PlanningFootnote4
- Long Term Care InsuranceFootnote5
- 401(k) Rollovers
- Philanthropic Services
- Endowments and FoundationsFootnote6
- Planning for Education FundingFootnote7
- Estate Planning StrategiesFootnote8
- Cash ManagementFootnote9
- Lending Products
- Wealth ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Affluent & Ultra High Net Worth Resources
It is our goal to provide our clients with a customized experience that is tailored to each individual's or family's unique financial goals, risk tolerance, and values. Our holistic approach addresses all aspects of our client's wealth including investments, tax planning, estate planning, philanthropy, and risk management.
We pride ourselves in our transparency, accessibility, and collaboration with our client's additional advisory partners including legal teams and CPAs, which allows us to ensure that our clients are fully insulated across all financial domains.
Continued financial education and access to a vast array of resources are a key part of what we offer our affluent clients. We believe this is critical in maintaining and growing generational wealth.
Explore timey and topical resources below:
A "Successful" Trust Tax & Estate Plan
A TTE Plan is not a one\-off, rather, it requires ongoing management to stay relevant among a constanty changing landscape. The slides below outlines the TTE process from the strategy inception to ongoing management.
Market Trends
It can be difficult to catch all of the latest news on the markets. The link below provides easy access to timely, and reliable articles on some of the latest market trends.
Generation Skipping Transfer Tax
The GST Tax is an additional tax on top of the regular estate and gift tax meant to ensure that the IRS collects taxes that might otherwise be transferred to future generations without being subject to the standard estate tax at each generational level. The video below explains the GST Tax's nuances, implementations, and exemptions.
Passion Assets: Investing in Art
When a passion for collection evolves into something of considerable value, a new set of considerations comes in to play. Whether collecting for passion, profit or some combination of the two, fine art and other collectibles constitute an asset class unlike any other. Learn about the unique dynamics of investing in collectible objects.
Financial Education
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. It's never too early to start improving financial literacy in your family. A great first step is covering the basics. Refresh your own knowledge—and while you're at it, share what you learn with your loved ones.
World-Class Offers & Experiences Curated Just For You
We're pleased to offer a complimentary program designed to help eligible clients enhance their lifestyles. Reserved Living & Giving is a loyalty program that goes beyond traditional wealth management services and provides access to one-of-a-kind experiences, discounts on popular brands, insights from thought leaders and philanthropic guidance.
- Go to www.msreserved.com and click Enroll in the upper right corner or,
- Log in to your Morgan Stanley Online account and click the Reserved Living & Giving banner at the top of the homepage or,
- Access Reserved Living & Giving through the Morgan Stanley app by clicking on the banner in the menu
Featured Offers
Reserved Living & Giving offers experiences, discounts and insights meant to help eligible clients enhance their lifestyles. There is a range of exclusive deals on concert tickets, sporting events, restaurants, and brands that MS Reserved Clients and their families can choose from.
Featured Insights
Reserved Living & Giving's Insights section features curated content from Morgan Stanley thought leaders and distinguished contributors. Some of life's most important topics are explored, such as: Travel tips, personal finance, and healthcare innovation.
Philanthropy is also essential to the Reserved Living & Giving experience, and we make it our goal to help you support the causes that are close to your heart.
Signature Access
Signature Access is the highest tier of Morgan Stanley's complimentary loyalty program and offers an extensive range of Lifestyle Advisory services to clients with over $10 million in assets at the firm. We help craft solutions to meet your exceptional needs—from the ordinary to the extraordinary.
Access knowledgeable specialists across 25 lifestyle areas of expertise including personal security, aircraft advisory, financial administration, private health advisory and more. Each of our third-party purveyors are carefully selected to mitigate certain nonsecurity-related investment risk, contain costs and enhance your enjoyment in life.
Enroll
To experience all that MS Reserved has to offer - you can enroll in one of the following 3 ways:
Our Suite of Digital Tools
We strive to ensure that our technology platforms are resilient, safe, efficient, and enhance your client experience. As a part of our services, these resources are readily available to all of our clients. Learn more about each tool and feature to see how it can eaasily help you manage and secure your financial journey.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Total Wealth View
Total Wealth View lets you link information from your accounts at other financial instituitons directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile helping us advise you with your complete financial picture in mind.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Location
5565 Glenridge Conn
Suite 1900
Atlanta, GA 30342
US
Direct:
(404) 705-6500(404) 705-6500
Meet The Zero Mile Post Group
Joseph R Rearden
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(404) 459-3859(404) 459-3859
Deborah Restauri
Portfolio Associate
Phone:
(404) 459-3863(404) 459-3863
Savannah Cernosek
Portfolio Associate
Phone:
(404) 459-3856(404) 459-3856
About Michael Zowine
Mike consults with clients on a broad range of long-term, personalized wealth planning strategies, in addition to overseeing portfolio design. He has spent over 30 years in the financial services industry advising private clients.
Mike is a Portfolio Management Director and Alternative Investment Director at the firm. He also completed his studies with The Philanthropic Advisor Leadership Institute at The Community Foundation in Atlanta, Ga. Mike earned his B.A. in Business Administration and a minor degree in Labor Relations from Providence College, where he was captain of the Division 1 lacrosse team.
In his free time, Mike enjoys reading, golfing, playing and coaching ice hockey, and mentoring students at Year Up Atlanta. He currently resides in Sandy Springs with his wife, Jocelyn. He has two sons, Matt, a private equity analyst in Boston, and Chris, who is also an advisor on The Zero Mile Post Group at Morgan Stanley.
Mike is a Portfolio Management Director and Alternative Investment Director at the firm. He also completed his studies with The Philanthropic Advisor Leadership Institute at The Community Foundation in Atlanta, Ga. Mike earned his B.A. in Business Administration and a minor degree in Labor Relations from Providence College, where he was captain of the Division 1 lacrosse team.
In his free time, Mike enjoys reading, golfing, playing and coaching ice hockey, and mentoring students at Year Up Atlanta. He currently resides in Sandy Springs with his wife, Jocelyn. He has two sons, Matt, a private equity analyst in Boston, and Chris, who is also an advisor on The Zero Mile Post Group at Morgan Stanley.
Securities Agent: AZ, CT, NJ, MA, CA, TX, LA, ID, GA, AL, WY, WI, PA, MD, CO, ME, IN, DC, OR, TN, SC, NV, FL, RI, MS, VA, NY, NM, KY, KS, IL, WA, NC, OH, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1261784
NMLS#: 1261784
About Joseph R Rearden
Joe is well-versed in assisting owners of privately held companies meet their strategic and financial goals by leveraging the world-class investment and lending resources at Morgan Stanley.
For over a decade, Joe has meticulously collaborated with our independent professional alliance network to establish our niche practice which delivers a complete experience to our clientele. Joe earned his B.A. in Business from the University of Georgia.
An Atlanta native, Joe resides in Buckhead with his wife, Michelle, and three sons, Rhett, Cren, and Sam. He enjoys exercising, traveling, and playing golf.
For over a decade, Joe has meticulously collaborated with our independent professional alliance network to establish our niche practice which delivers a complete experience to our clientele. Joe earned his B.A. in Business from the University of Georgia.
An Atlanta native, Joe resides in Buckhead with his wife, Michelle, and three sons, Rhett, Cren, and Sam. He enjoys exercising, traveling, and playing golf.
Securities Agent: TN, AL, AK, WY, PA, KS, IN, GA, DE, CT, CO, TX, SC, NY, MI, LA, KY, HI, UT, NJ, MA, CA, MD, RI, VT, MT, MS, WI, NC, AZ, WV, MO, ID, NM, OH, DC, IL, FL, NV, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312641
NMLS#: 1312641
About Deborah Restauri
Debbie takes great pride and plays a significant role in providing our clients with exceptional service in her administrative position. Debbie will generally be your first point of contact with your onboarding process, and any administrative task or question you may have.
With over 30 years of experience in the financial services industry, Debbie brings a wealth of knowledge to our team and to best serve you. She holds the FINRA Series 7, 63, 65,and 31.
Debbie currently resides in Marietta. She enjoys spending time with friends, and visiting her son, Brandon, in Park City, Utah.
With over 30 years of experience in the financial services industry, Debbie brings a wealth of knowledge to our team and to best serve you. She holds the FINRA Series 7, 63, 65,and 31.
Debbie currently resides in Marietta. She enjoys spending time with friends, and visiting her son, Brandon, in Park City, Utah.
About Savannah Cernosek
Savannah manages our clients’ banking and lending needs through Morgan Stanley’s Private Banking Group and investment banking resources. She also ensures an upscale client experience by introducing our clients to Morgan Stanley’s digital capabilities and loyalty programs.
Savannah is instrumental in helping business owners achieve their lending and growth needs. She holds the FINRA Series 7 and 66, and graduated from the University of Alabama with a B.A in Advertising.
In her spare time, Savannah enjoys traveling, being outdoors, and trying new restaurants. She lives in Virginia Highlands with her husband, and is expecting her first child in June..
Savannah is instrumental in helping business owners achieve their lending and growth needs. She holds the FINRA Series 7 and 66, and graduated from the University of Alabama with a B.A in Advertising.
In her spare time, Savannah enjoys traveling, being outdoors, and trying new restaurants. She lives in Virginia Highlands with her husband, and is expecting her first child in June..
Contact Michael Zowine
Contact Joseph R Rearden
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
Jason Taggart
Private Banker
Maranda Barbour
Private Banker
About Jason Taggart
Jason Taggart is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
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.
Jason began his career in financial services in 2002, and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as an Operations Supervisor at PHH Mortgage.
Jason is a graduate of Florida State University, where he received both a Bachelor of Science in Finance and a Master of Business Administration in Finance. He lives in Sandy Springs, Georgia with his family. Outside of the office, Jason enjoys spending time with family, attending his kids sporting events, traveling, watching college football, and coaching his daughters’ softball team.
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.
Jason began his career in financial services in 2002, and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as an Operations Supervisor at PHH Mortgage.
Jason is a graduate of Florida State University, where he received both a Bachelor of Science in Finance and a Master of Business Administration in Finance. He lives in Sandy Springs, Georgia with his family. Outside of the office, Jason enjoys spending time with family, attending his kids sporting events, traveling, watching college football, and coaching his daughters’ softball team.
NMLS#: 652503
About Maranda Barbour
NMLS# 1182370
Maranda Barbour is a Loan Portfolio Manager serving Morgan Stanley’s Wealth Management offices in the Southeast Region.
Maranda began her career in financial services in 1999, and joined Morgan Stanley in 2010. Prior to being promoted to her current position, she served as an Associate Private Banker in Atlanta, Georgia. Before she joined the firm, Maranda was a Premier Client Manager for Bank of America.
Maranda earned her Bachelor of Science degree in Marketing from Winthrop University. She and her family live in Alpharetta, Georgia.
Outside of the office, Maranda dedicates her time to youth mentoring programs and numerous community organizations, including Girl Scouts of America and the Greater North Atlanta Chapter of Jack and Jill of America, Inc. She also enjoys walking, traveling, and hiking.
Maranda Barbour is a Loan Portfolio Manager serving Morgan Stanley’s Wealth Management offices in the Southeast Region.
Maranda began her career in financial services in 1999, and joined Morgan Stanley in 2010. Prior to being promoted to her current position, she served as an Associate Private Banker in Atlanta, Georgia. Before she joined the firm, Maranda was a Premier Client Manager for Bank of America.
Maranda earned her Bachelor of Science degree in Marketing from Winthrop University. She and her family live in Alpharetta, Georgia.
Outside of the office, Maranda dedicates her time to youth mentoring programs and numerous community organizations, including Girl Scouts of America and the Greater North Atlanta Chapter of Jack and Jill of America, Inc. She also enjoys walking, traveling, and hiking.
NMLS#: 1182370
Wealth Management
Global Investment Office
Portfolio Insights
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Zero Mile Post Group today.
1Morgan 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.
2Morgan 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.
3Morgan 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.
4When 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7When 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.
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 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Morgan 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.
3Morgan 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.
4When 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7When 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.
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 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
