First Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Branch Manager
Phone:
(248) 218-8220(248) 218-8220
Tidewater Group at Morgan Stanley
Direct:
(248) 740-7100(248) 740-7100
Our Mission Statement
Working with you to preserve and grow wealth for your long-term goals
Team Message
You’ve invested substantial time and effort in creating a comfortable life for yourself and your family. As your wealth has grown, so has its complexity and the resources required to manage it. Working with a professional wealth advisor can help you identify strategies to help you feel more confident about your investments and financial future. Thus allowing you to focus on the people, activities, and interest that bring meaning to your life.
As experienced Financial Advisors, we believe the first step to a lifetime of financial freedom is mapping out all the aspects of your financial life and seeing how the pieces fit together. With a focus on comprehensive planning, our team will work with you to articulate the most important goals for your success and how to help achieve those goals, help reduce risks and prepare you for life’s challenges and opportunities.
Together we will develop a comprehensive understanding, and create a wealth management plan that is custom tailored to your unique set of circumstances by getting to know what is most important to you. We will bring together the service and strategies designed to help you meet or potentially exceed the lifestyle you have always envisioned.
Our team is here to serve as the primary point of contact for your financial life, provide insight, and answer any questions you may have pertaining to the capital markets. We will also work closely with your other trusted advisors such as your tax professionals, estate planning attorney and insurance provider, to help ensure you have an efficient, coordinated wealth management strategy.
As experienced Financial Advisors, we believe the first step to a lifetime of financial freedom is mapping out all the aspects of your financial life and seeing how the pieces fit together. With a focus on comprehensive planning, our team will work with you to articulate the most important goals for your success and how to help achieve those goals, help reduce risks and prepare you for life’s challenges and opportunities.
Together we will develop a comprehensive understanding, and create a wealth management plan that is custom tailored to your unique set of circumstances by getting to know what is most important to you. We will bring together the service and strategies designed to help you meet or potentially exceed the lifestyle you have always envisioned.
Our team is here to serve as the primary point of contact for your financial life, provide insight, and answer any questions you may have pertaining to the capital markets. We will also work closely with your other trusted advisors such as your tax professionals, estate planning attorney and insurance provider, to help ensure you have an efficient, coordinated wealth management strategy.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Business Succession PlanningFootnote3
- Corporate Investment SolutionsFootnote4
- Divorce Financial AnalysisFootnote5
- Estate Planning StrategiesFootnote6
- Endowments and FoundationsFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Professional Portfolio ManagementFootnote10
- Financial PlanningFootnote11
- Retirement PlanningFootnote12
- Trust ServicesFootnote13
- Qualified Retirement PlansFootnote14
- Wealth ManagementFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
It Begins With You
Our approach focuses on you– where you are today and where you want to go. Together, we develop the strategies to help get you there, navigating through life’s challenges and helping you make informed decisions about your wealth.
Discovery Meeting:
We take the time to meet you so we can understand who you are, your financial needs and goals for the future.
Forming Your Strategy:
Utilizing your goals as a compass, we will create a strategy to map the road to help you achieve success.
Implement:
We apply extensive research and analysis, and utilize Morgan Stanley's full suite of resources to help with an decisive action in all market scenarios.
Tracking Your Progress:
We check in with you to deliver metrics around your plan and measure the progress towards your goals.
Working With You
Our work with you starts with one or more in-depth, exploratory meetings. We need to understand your unique financial situation so we can offer you the best possible advice and solutions.
Personal Relationships
We are dedicated to building deep and caring relationships with you and your family. The bond we form is fundamental to our mission and it is our hope that it spans generations. Our goal is to be the last financial advisory team you will ever need.
Investment Excellence
Investment strategy is one of the most critical services we provide. We leverage our experience and relationships to source innovative strategies from the most knowledgeable investment minds in the business. As an individual investor, you benefit from the market insights and rigorous due diligence that drive our institutional relationships. We also have extensive experience with the Firm’s Alternatives platform and share our insights with you.
Knowledge and Experience
We have a concentration of experience and education that is rare in one group advisors. With many combined years of experience representing generations and multiple industry and Firm-approved credentials, we have the knowledge and skills to tackle the challenges of significant wealth and work with any type of investor.
Disciplined Process
From planning to execution, every step of our results-driven process is designed to ensure a clear and consistent experience for every client. As the adage goes: “The devil is in the details.” We are committed to being your single point of contact for all things financial. Our detailed process begins with a thorough financial plan to understand your goals, dreams and concerns, which in turn, drives the solutions needed for your customized wealth management plan.
Total Wealth Management
Retirement assets, equity compensation and insurance policies should not be managed as separate entities, but as vital components of your overall financial picture. As an experienced advisory team, we take a holistic approach to wealth management. All of your assets – including the benefits you receive from your employer – will be integrated to help ensure they are working together to meet your overall goals.
Commitment to Community
With deep roots in our community and a deeper commitment to sustaining its character for future generations, we are highly engaged in creating a better and brighter future. Our partnership with various local and national organizations supports important initiatives and causes -- from helping children and to supporting local food banks and religious organizations.
My Suite of Services
Cash Management
I can help your family with cash management, budget issues, advice on large purchases, or even help your child understand investments.
Portfolio Management
I will work closely with you to understand your needs while actively maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles.
Retirement Planning
I especially enjoy assisting you as you approach retirement. I will make sure your financial choices reflect your goals and help you shift from wealth accumulation to income management and wealth transfer strategies.
Education Planning
Assisting my clients in planning for higher education is one of the many objectives I take pride in. Witnessing these aspirations come to fruition inspires me to go above and beyond for my clients.
401(k) Rollover
When transitioning to a new job, it's not uncommon to overlook the various possibilities presented by your employer's retirement plan amidst the numerous challenges you may face. I can aid you in evaluating your alternatives and examining the pertinent factors you should take into account.
Life Insurance
Creating a comprehensive wealth plan entails more than just pursuing returns. It also entails identifying and managing potential risks, providing a safety net for unforeseen circumstances. Allow me to assist you in preparing for and shielding against life's unpredictable twists and turns.
Valuable Tools and Resources
We are committed to providing you with important information about managing your wealth effectively in today’s global markets. Education and resources provide better insight into the fundamentals of our practice process and investment strategies. Below are some resources we assembled to help you with your questions or concerns.
Total Wealth View:
You can see your complete financial picture by aggregating your accounts from multiple sources in one place. We can offer personalized and comprehensive advice tailored to your specific financial situation and ensuring the security and privacy of your financial data.
Click Here to Learn More
Online Security Center:
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do. Learn about our extensive security measures, resources, and idea in this constantly evolving landscape.
Click Here to Learn More
E-Delivery:
Our clients benefit from the convenience and flexibility of accessing their statements and other important documents in an electronic format, eliminating the need for paper copies.
Click Here to Learn More
Lifeview:
A suite of planning tools that includes goal specific analysis that we use with our clients to create a realistic strategy that integrates various aspects of an individual financial life like investments and cash management needs.
Click Here to Learn More
Portfolio Risk Platform:
This risk management platform offers an extensive range of risk assessment and reporting capabilities across various asset classes and security types in your portfolio.
Click Here to Learn More
Lessons on Longevity with Dr. Joseph Coughlin - Mon, May 20, 4:30 PM ET
Join us on Monday, May 20, for a fascinating conversation with Dr. Joseph Coughlin, Founder and Director of the Massachusetts Institute of Technology AgeLab.
Click Here to RegisterLocation
1108 North Main Street
Rochester, MI 48307
US
Direct:
(248) 740-7100(248) 740-7100
Meet Tidewater Group
Phone:
(248) 740-7112(248) 740-7112
Peter Samurkas
Registered Client Service Associate
Phone:
(248) 218-8245(248) 218-8245
About Eric N Chandler
Eric N. Chandler is a Portfolio Manager and Branch Manager who has been with Morgan Stanley since 2013. Eric focuses on helping his client's achieve success in their financial lives, primarily working with entrepreneurs and executives. Eric and his partner Greg Talpey formed The Tidewater Group at Morgan Stanley Wealth Management.
As a Portfolio Manager, Eric helps create tax-efficient portfolios, seeking long-term capital appreciation and consistent cash flow growth. Eric collaborates with his clients to help address their individual and group planning, investment, and banking needs. Working to ensure the right decision is made for them and their family.
Eric is a Michigan Native growing up on a farm in the small town of Lennon. Eric had roles within operation management and was a realtor prior to joining Morgan Stanley. Early on, he worked in his family's small business in Port Huron, which fueled his passion to work with small business owners. His main goal is to help simplify client's financial lives by setting clear goals and developing a roadmap to their success.
Eric resides in Chesterfield with his wife Lynette, and their two dogs, Joey and Charlie. In his spare time, Eric is an active member of the Catholic Church, enjoys playing golf, riding motorcycles, spending time with family and friends, spending time on the water, fishing, and scuba diving. Eric has been a certified scuba diver since he was a child and has enjoyed diving in many wonderful places.
As a Portfolio Manager, Eric helps create tax-efficient portfolios, seeking long-term capital appreciation and consistent cash flow growth. Eric collaborates with his clients to help address their individual and group planning, investment, and banking needs. Working to ensure the right decision is made for them and their family.
Eric is a Michigan Native growing up on a farm in the small town of Lennon. Eric had roles within operation management and was a realtor prior to joining Morgan Stanley. Early on, he worked in his family's small business in Port Huron, which fueled his passion to work with small business owners. His main goal is to help simplify client's financial lives by setting clear goals and developing a roadmap to their success.
Eric resides in Chesterfield with his wife Lynette, and their two dogs, Joey and Charlie. In his spare time, Eric is an active member of the Catholic Church, enjoys playing golf, riding motorcycles, spending time with family and friends, spending time on the water, fishing, and scuba diving. Eric has been a certified scuba diver since he was a child and has enjoyed diving in many wonderful places.
Securities Agent: WA, WY, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IL, IN, KY, MD, MI, MN, MT, NC, NE, NJ, NY, OH, PA, SC, TN, VA, WI, WV, AK, DC, DE, IA, ID, KS, LA, MA, ME, MO, MS, ND, NH, NM, NV, OK, OR, PR, RI, SD, TX, UT, VI, VT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
About Greg Talpey
Greg Talpey joined Morgan Stanley in 2017 as a Financial Advisor and formed the Tidewater Group with his partner, Eric N. Chandler. The team focuses on financial planning and tax efficient strategies to fit the individual needs of their clients. Everyone's situation and goals are different, and Greg strongly believes each portfolio should reflect that. Investors can utilize Morgan Stanley’s tools and resources to help manage their portfolio if the situation is appropriate.
Greg attended Trinity College and received his Bachelor of Arts in Economics. During his tenure, he was a member and captain of the men’s baseball team. During his junior year, he was awarded All-Conference, All-New England and All-American honors as a pitcher. He was a member of the 2003 and 2005 teams that advanced to the Division III college world series.
Prior to joining Morgan Stanley, Greg worked in Sales at Prudential Financial for 8 years. He grew up in Connecticut, and he recently moved to Troy, Michigan. He splits his time between both areas; in Connecticut, he spends time with his 4 nieces and nephews. In his spare time, he enjoys golfing and getting out on the water.
Disclaimer:
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Securities Agent: KY, TX, TN, PA, OH, NY, NJ, NC, MO, MN, MI, MA, IN, IL, GA, FL, CT, CO, CA, AZ, AR, SC, AL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
Greg attended Trinity College and received his Bachelor of Arts in Economics. During his tenure, he was a member and captain of the men’s baseball team. During his junior year, he was awarded All-Conference, All-New England and All-American honors as a pitcher. He was a member of the 2003 and 2005 teams that advanced to the Division III college world series.
Prior to joining Morgan Stanley, Greg worked in Sales at Prudential Financial for 8 years. He grew up in Connecticut, and he recently moved to Troy, Michigan. He splits his time between both areas; in Connecticut, he spends time with his 4 nieces and nephews. In his spare time, he enjoys golfing and getting out on the water.
Disclaimer:
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Securities Agent: KY, TX, TN, PA, OH, NY, NJ, NC, MO, MN, MI, MA, IN, IL, GA, FL, CT, CO, CA, AZ, AR, SC, AL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
Securities Agent: MO, GA, WA, NJ, MA, FL, SC, NE, ND, MD, AR, DC, CO, MS, AZ, VA, MI, CA, WI, TX, PA, OK, MN, AL, OH, NC, IN, CT, WV, TN, NY, KY, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1773587
AR Insurance License #: 9835973
NMLS#: 1773587
AR Insurance License #: 9835973
About Peter Samurkas
Peter Samurkas is a Registered Client Service Associate who has been with Morgan Stanley since 2022. Peter works with Eric N. Chandler and Greg Talpey as a part of the Tidewater Group where he provides client service and support to their book of business. He graduated from Oakland University in 2021 with his Bachelor of Science in Finance and he currently has his Series 66 license.
Peter resides in the city of Utica, Michigan. His interest in finance started when he was a child learning valuable lessons from his father on the subject. Working at a restaurant as a student instilled in him the importance of client interaction in any industry. He has a strong passion for giving back to the community. In his spare time, Peter is an active member of the Eagle Scouts, a member of the axe throwing league, enjoys cooking, and spending time with his cats, Jax and Annabelle.
Peter resides in the city of Utica, Michigan. His interest in finance started when he was a child learning valuable lessons from his father on the subject. Working at a restaurant as a student instilled in him the importance of client interaction in any industry. He has a strong passion for giving back to the community. In his spare time, Peter is an active member of the Eagle Scouts, a member of the axe throwing league, enjoys cooking, and spending time with his cats, Jax and Annabelle.
Contact Eric N Chandler
Contact Greg Talpey
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Tidewater Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
4Morgan 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.
5Morgan 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.
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 and other legal matters.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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.
12When 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.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
14When 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.
15Morgan 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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
4Morgan 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.
5Morgan 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.
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 and other legal matters.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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.
12When 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.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
14When 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.
15Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)