Maureen A Novak, CFA, CFP®, CRPS®
Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Director
Phone:
(315) 448-3370(315) 448-3370
The Liberty Group at Morgan Stanley
Direct:
(315) 448-3364(315) 448-3364
Toll-Free:
(800) 755-5451(800) 755-5451
Our Mission Statement
We help you grow what you need, preserve what you have and simplify your financial life
Welcome
We are a team of dedicated Financial Advisors and CERTIFIED FINANCIAL PLANNERS™ established on the principles of trust and integrity, committed to helping you achieve your financial goals. To accomplish this we apply a set of rigorously disciplined principles combined with our core beliefs and values. Our vision is to try and be a GPS for your financial life. By helping you Grow, Preserve, and Simplify your financial plan we can help you get where you need to go. This allows you to spend more of your time enjoying those things in your life that matter the most to you. We seek to build a long-term relationship with you based upon shared values of understanding, trust, communication and sound decision making as we strive to provide you with successful outcomes.
The Liberty Group at Morgan Stanley team has three fundamental principles. The first principle is working with you to help you reach your dreams and goals by leveraging the world class capabilities of Morgan Stanley’s intellectual capital and their technology platform to provide you with unbiased advice and acting in your best interest. The second principle is a belief that engaging in ongoing planning and communication with you that seeks to create the highest probability of success for you. The third principle is our investment philosophy of focusing on proprietary investment strategies that are based upon rigorous research. We do this in conjunction with volatility analysis and using tax-optimization strategies. All of this is done for you under our mantra of Grow, Preserve, and Simplify. We work to help you grow your wealth, preserve it from permanent declines, and do so as simply as possible so you can focus your time and energy on enjoying your life and what is important to you
The Liberty Group at Morgan Stanley team has three fundamental principles. The first principle is working with you to help you reach your dreams and goals by leveraging the world class capabilities of Morgan Stanley’s intellectual capital and their technology platform to provide you with unbiased advice and acting in your best interest. The second principle is a belief that engaging in ongoing planning and communication with you that seeks to create the highest probability of success for you. The third principle is our investment philosophy of focusing on proprietary investment strategies that are based upon rigorous research. We do this in conjunction with volatility analysis and using tax-optimization strategies. All of this is done for you under our mantra of Grow, Preserve, and Simplify. We work to help you grow your wealth, preserve it from permanent declines, and do so as simply as possible so you can focus your time and energy on enjoying your life and what is important to you
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Women In Transition
Helping women transition into the next stage of their life after a major, financial event, is what we pride ourselves on. Not only here at The Liberty Group, but at Morgan Stanley as a whole.
Women's Playbook
There’s no doubt about it—women face a unique set of financial challenges. Yet, most of us feel ill-equipped to navigate these circumstances on our own. At Morgan Stanley, we have witnessed the power of education and trusted guidance to transform a woman’s relationship with money. We believe educated women create a ripple effect, inspiring generations of men and women to come. That is why we are committed to empowering you with the knowledge and tools needed to achieve your goals: whether you’re buying a home, starting a family, navigating a divorce, or giving back to a cause you care about.
Learn More Here
A Guide for Women
Taking control of your finances after divorce or death of a spouse can be debilitating. Financial planning after a divorce or death could be the last thing on your mind, but with the right approach and the right advice you can turn a difficult situation into empowerment
Learn More Here
Charitable Giving that Benefits Women and Girls
Helping women get ahead can mean delving into issues like health care, education and poverty. Here’s how to have an impact.
Click to Read More
Finding Better Balance
MAKER Victoria Bailey emphasizes the importance of work-life balance for mothers and highlights the opportunities in finance for women at Morgan Stanley.
Click to WatchCurrent Events
The Liberty Group believes financial education leads to better insights into our investment strategy and discipline. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Did the Fed Jump the Gun?
The U.S. central bank may be moving quickly to cut interest rates as inflation risks remain. How should investors proceed?
Click to Read More
GIC January 2024: On the Markets: A Year That Broke the Models
Investors will likely remember 2023 as a great year. The S&P 500 rose nearly 25%, all but erasing 2022’s bear market, as bonds also turned positive by year-end—a gift of the Fed’s policy pivot. On one level, history will perhaps record a simple narrative: “Inflation fell faster than expected, and forecasts for an earnings recession were defied, so stocks rose.” That, however, massively oversimplifies reality.
Click to Read More
Minimizing Your Digital Footprint
Your personal data is extremely valuable—and may be too readily available. Discover how to protect and manage your online assets.
Click to Read More
You Can’t Manage Portfolio Risk Without Seeing the Big Picture
What if there were a resource that could show you where your investment exposures are and how they might affect your returns in different scenarios?
Click to Read More
Delta's Ed Bastian: Making Travel Magical
Delta Air Lines CEO Ed Bastian talks about how the COVID-19 pandemic helped build brand loyalty, his conviction to take tough stands and how he sees sustainability shaping the future of air travel.
Click to Watch
How to Invest for a New U.S. Productivity Boom
The coming years could bring stronger economic growth, greater business productivity and a new set of stock market winners. How can investors benefit?
Click to Read MoreThe Latest News from The Liberty Group
2020-2024 Forbes Top Women Wealth Advisors Best-In-State
Maureen Novak Named Forbes Top Women Wealth Advisors Best-In-State For 2020-2024.
Disclosure:
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
See latest list hereDisclosure:
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
2024 Forbes "Best-In-State" Wealth Management Team in New York
The Liberty Group was Named Forbes Best-In-State Wealth Management Team 2024 in New York.
Disclosure: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
See latest list hereDisclosure: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
2023 Forbes Best-In-State Wealth Advisors
Maureen Novak Named Forbes Best-In-State Wealth Advisors 2023.
Disclosure:
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22. https://www.morganstanley.com/disclosures/awards-disclosure.html
See latest list hereDisclosure:
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22. https://www.morganstanley.com/disclosures/awards-disclosure.html
2017-2021 Working Mother and SHOOK Research's Advisor Moms
Maureen Novak Named Working Mother and SHOOK Research's Advisor Moms 2017-2021.
Disclosure:
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
See latest list hereDisclosure:
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Location
250 So. Clinton St
Ste 500
Syracuse, NY 13202
US
Direct:
(315) 448-3364(315) 448-3364
Toll-Free:
(800) 755-5451(800) 755-5451
Meet The Liberty Group
Cole Henderson, CFP®, CRPC®
Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Advisor
Phone:
(315) 448-3325(315) 448-3325
Debi Fix
Portfolio Associate
Phone:
(315) 448-3372(315) 448-3372
Erika Matos
Client Service Associate
Phone:
(315) 448-3364(315) 448-3364
Kathryn Mathewson
Client Service Associate
Phone:
(315) 448-3303(315) 448-3303
About Maureen A Novak
Maureen Novak is a Financial Advisor at Morgan Stanley. She has over twenty years of combined experience in the areas of investments, financial, divorce and retirement planning. Maureen employs a thorough discovery process to uncover each client’s goals and concerns, helping develop tangible strategies to address them. She takes special care to facilitate thoughtful discussions and effective communication within each family. Maureen also helps facilitate communication among tax and legal advisors, ensuring financial advice is coordinated and comprehensive.
Maureen holds the Family Wealth Director Designation from Morgan Stanley, which is a rigorous accreditation program focused on the skills required for comprehensive wealth management including business succession planning, estate planning and family wealth planning. The designation is held by less than 5% of advisors within Morgan Stanley. Maureen also holds the designations of Certified Financial Planner (CFP®), Chartered Financial Analyst® (CFA®), and is also a Corporate Retirement Plan Specialist (CRPS). The CFP® designation is awarded to planners who are committed to competent and ethical behavior when providing financial planning. Maureen is also a Chartered Financial Analyst® (CFA®). The CFA® designation is regarded to be a key certification for investment professionals, especially in the areas of research and portfolio management.
As an advocate for women, Maureen served as Chairwomen and CEO for the “Women at Morgan Stanley” local chapter. Maureen has been named Working Mother and SHOOK Research's Top Wealth Advisor Moms for the last 3 years and most recently, she was named to the Forbes' Top Women Wealth Advisors for 2020.
Maureen earned her Bachelors of Science degree in Accounting from Ithaca College and her Masters of Business Administration from Boston University. Maureen and her family reside in Fayetteville, NY. She enjoys running, cooking and travel, and is an avid hockey mom.
CRC# 3004057 09/23/2028
2017-2019 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Maureen holds the Family Wealth Director Designation from Morgan Stanley, which is a rigorous accreditation program focused on the skills required for comprehensive wealth management including business succession planning, estate planning and family wealth planning. The designation is held by less than 5% of advisors within Morgan Stanley. Maureen also holds the designations of Certified Financial Planner (CFP®), Chartered Financial Analyst® (CFA®), and is also a Corporate Retirement Plan Specialist (CRPS). The CFP® designation is awarded to planners who are committed to competent and ethical behavior when providing financial planning. Maureen is also a Chartered Financial Analyst® (CFA®). The CFA® designation is regarded to be a key certification for investment professionals, especially in the areas of research and portfolio management.
As an advocate for women, Maureen served as Chairwomen and CEO for the “Women at Morgan Stanley” local chapter. Maureen has been named Working Mother and SHOOK Research's Top Wealth Advisor Moms for the last 3 years and most recently, she was named to the Forbes' Top Women Wealth Advisors for 2020.
Maureen earned her Bachelors of Science degree in Accounting from Ithaca College and her Masters of Business Administration from Boston University. Maureen and her family reside in Fayetteville, NY. She enjoys running, cooking and travel, and is an avid hockey mom.
CRC# 3004057 09/23/2028
2017-2019 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Securities Agent: FL, MI, MA, IL, GA, DE, CO, CA, OH, MO, AZ, ID, PA, CT, TN, NH, NC, MD, ME, SC, UT, VA, OR, DC, WY, NY, NJ, VT, WA, MN, IN, NV, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274558
NMLS#: 1274558
About Cole Henderson
Cole Henderson is a Senior Vice President and Financial Advisor at Morgan Stanley. He has over thirty years of experience helping people during transitional moments of their life on needs such as, pre-retirement and retirement planning, estate and trust planning strategies, and inheritance investment planning.
Cole guides people through difficult transitional moments of their life striving to help them make better decisions that can have a long term and meaningful impact on their lives and helps prevent them from making poor decisions that could have a long term negative impact. He believes that the direction and outcomes of our lives is often determined by the quality of the decisions we make and that is often determined by the quality of the process and people we work with in making those decisions.
Cole holds several industry and firm recognized designations, including the Certified Financial Planner™. The CFP® is awarded by the Certified Financial Planner™ Board of Standards. In addition, he is a Senior Portfolio Manager, Senior Investment Management Consultant, a Chartered Retirement Planning Counselor.
Cole received his Bachelor of Science Degree in Public Accounting from Syracuse University. He received his Master of Science Degree in Wealth Management from The College for Financial Planning. Cole resides in Pompey, NY and enjoys spending time with his family as well as hiking, skiing, and snowshoeing.
CRC 3004065 09/21
Cole guides people through difficult transitional moments of their life striving to help them make better decisions that can have a long term and meaningful impact on their lives and helps prevent them from making poor decisions that could have a long term negative impact. He believes that the direction and outcomes of our lives is often determined by the quality of the decisions we make and that is often determined by the quality of the process and people we work with in making those decisions.
Cole holds several industry and firm recognized designations, including the Certified Financial Planner™. The CFP® is awarded by the Certified Financial Planner™ Board of Standards. In addition, he is a Senior Portfolio Manager, Senior Investment Management Consultant, a Chartered Retirement Planning Counselor.
Cole received his Bachelor of Science Degree in Public Accounting from Syracuse University. He received his Master of Science Degree in Wealth Management from The College for Financial Planning. Cole resides in Pompey, NY and enjoys spending time with his family as well as hiking, skiing, and snowshoeing.
CRC 3004065 09/21
Securities Agent: GA, CT, CO, VT, DE, CA, ME, OH, AZ, VA, MO, MA, NV, FL, IN, NY, MD, NJ, PA, UT, WA, DC, IL, OR, ID, WY, TN, RI, NH, SC, MN, TX, NC, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255637
NMLS#: 1255637
About Debi Fix
Debi is a Portfolio Associate at Morgan Stanley. She began her career at Cadaret, Grant & Co. in 1988 as an Administrative Assistant. In 1995 she left there to become a Sales Assistant with Smith Barney. Over the years she has obtained many financial licenses, including the Series 7 General Securities, Series 63 Uniform Securities State Law, and her Insurance License. She is also a Notary Public for the State of New York.
She currently works with The Liberty Group in Syracuse where she is focused on providing exceptional service and advisor support. Her responsibilities include maintaining relationships by proactively fulfilling client requests, trade support, money movement and making sure key client documentation is up to date.
Debi lives in Fulton with her husband David. She has two children who are now fully grown. Her hobbies include working in her water garden, cross-stitching and reading.
She currently works with The Liberty Group in Syracuse where she is focused on providing exceptional service and advisor support. Her responsibilities include maintaining relationships by proactively fulfilling client requests, trade support, money movement and making sure key client documentation is up to date.
Debi lives in Fulton with her husband David. She has two children who are now fully grown. Her hobbies include working in her water garden, cross-stitching and reading.
About Erika Matos
Erika Matos is a Client Service Associate at Morgan Stanley. Her duties focus on administrative and operational tasks needed by our clients.
Erika is a 2008 graduate of Christian Brothers Academy and attended college at the State University of New York at Albany where she was a double major in Latin American Studies and Political Science. In 2012 Erika became a Deputy Sheriff with the Onondaga County Sheriff’s Department. She worked primarily in the transport unit through February, 2020. She began her career with The Liberty Group at Morgan Stanley in March of 2020.
Erika lives in Syracuse, New York with her husband and daughter. Her hobbies and interests include spending time with her husband and young daughter, traveling, cooking and reading.
Erika is a 2008 graduate of Christian Brothers Academy and attended college at the State University of New York at Albany where she was a double major in Latin American Studies and Political Science. In 2012 Erika became a Deputy Sheriff with the Onondaga County Sheriff’s Department. She worked primarily in the transport unit through February, 2020. She began her career with The Liberty Group at Morgan Stanley in March of 2020.
Erika lives in Syracuse, New York with her husband and daughter. Her hobbies and interests include spending time with her husband and young daughter, traveling, cooking and reading.
About Kathryn Mathewson
Katie is a Client Service Associate at Morgan Stanley. She began her career in July of 2017 as the Front Desk Receptionist. She received her Bachelor of Fine Arts in English from SUNY Cortland in 2007.
Prior to joining Morgan Stanley, she worked at Health Direct Institutional Pharmacy as a Pharmacy Technician, working her way up to Shift Supervisor in less than 2 years, and then six months later becoming Assistant Facility Manager.
As a team member of The Liberty Group, Katie is focused on the administrative component of our practice which includes servicing our clients’ day to day financial needs, providing telephone coverage and assisting with any operational questions or inquiries.
Katie was raised in Syracuse and still resides there. Her hobbies include reading, traveling, and baking. Any free time is spent with family, friends, and her boyfriend.
Prior to joining Morgan Stanley, she worked at Health Direct Institutional Pharmacy as a Pharmacy Technician, working her way up to Shift Supervisor in less than 2 years, and then six months later becoming Assistant Facility Manager.
As a team member of The Liberty Group, Katie is focused on the administrative component of our practice which includes servicing our clients’ day to day financial needs, providing telephone coverage and assisting with any operational questions or inquiries.
Katie was raised in Syracuse and still resides there. Her hobbies include reading, traveling, and baking. Any free time is spent with family, friends, and her boyfriend.
Contact Maureen A Novak
Contact Cole Henderson
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
Elizabeth Menteur
Private Banker
Emilio LaPietra, CFP®
Financial Planning Director, Vice President
Nancy H. Sheftic, CFP®
Financial Planning Director, Assistant Vice President
About Elizabeth Menteur
Elizabeth Menteur is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Elizabeth began her career in financial services in 2013, and joined Morgan Stanley in 2017 as a Regional Client Engagement Associate. Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration
with a concentration in Finance. She lives in Saratoga Springs, New York.
Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys
traveling, painting and gluten free baking.
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.
Elizabeth began her career in financial services in 2013, and joined Morgan Stanley in 2017 as a Regional Client Engagement Associate. Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration
with a concentration in Finance. She lives in Saratoga Springs, New York.
Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys
traveling, painting and gluten free baking.
NMLS#: 2329114
About Emilio LaPietra
Emilio LaPietra is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Central Eastern New York. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
About Nancy H. Sheftic
Nancy is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in upstate New York. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Nancy began her career in financial services in 2005, and joined Morgan Stanley in 2019. Prior to her current position, she was a Team Financial Advisor with Merrill Lynch.
Nancy graduated from Le Moyne College and holds her Certified Financial Planner®. Nancy holds the following registrations: Series 7, Series 63, Series 66 and Life and Health insurance licenses and is a Notary Public. She also holds a Master’s in Business Administration from Le Moyne College.
Nancy lives in Baldwinsville, NY with her husband Patrick and their two sons, Dean and Alex. In her spare time, she loves being outdoors, especially hiking and skiing. Nancy also believes strongly in women being financially empowered and is a member of Morgan Stanley’s Women in Wealth employee group as well as 100 Women Who Care CNY.
Nancy began her career in financial services in 2005, and joined Morgan Stanley in 2019. Prior to her current position, she was a Team Financial Advisor with Merrill Lynch.
Nancy graduated from Le Moyne College and holds her Certified Financial Planner®. Nancy holds the following registrations: Series 7, Series 63, Series 66 and Life and Health insurance licenses and is a Notary Public. She also holds a Master’s in Business Administration from Le Moyne College.
Nancy lives in Baldwinsville, NY with her husband Patrick and their two sons, Dean and Alex. In her spare time, she loves being outdoors, especially hiking and skiing. Nancy also believes strongly in women being financially empowered and is a member of Morgan Stanley’s Women in Wealth employee group as well as 100 Women Who Care CNY.
NMLS#: 1421563
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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
Are You Prepared for Tax Day?
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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
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Liberty 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.
1When 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.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Morgan 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.
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.
5Morgan 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.
6Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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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
1When 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.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Morgan 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.
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.
5Morgan 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.
6Morgan 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.
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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.
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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), 3582895 (6/2024)
