Mark Calvaruso
Planning Associate
Tod Asmussen
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Manager
Direct:
(360) 788-7008(360) 788-7008
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
After more than 3 decades in the financial industry, my passion remains the same: helping people feel confident and secure about their financial future. Whether you're planning for retirement, growing your wealth, or preparing to leave a legacy for the next generation, my goal is to be a steady, trusted resource every step of the way.
My career began in 1994 with Dean Witter / Morgan Stanley, and I was honored to receive the firm's National Sales Director Award early in my journey. For the past 17 years, I had the privilege of working with UBS, where I deepened my experience advising individuals, families, and business owners. Now, I've come full circle- returning to Morgan Stanley to provide clients with world-class resources and personalized guidance backed by a global platform.
Before entering the financial world, I proudly served our country in the U.S. Navy- first on active duty and later as a reserve officer. I served on board four aircraft carriers, worked alongside multiple branches of government including the CIA, and retired in 2003 with the rank of Commander. That experience shaped who I am today: disciplined, mission-driven, and deeply committed to doing the right thing- for my country, my family, and my clients.
But life isn't just about spreadsheets and strategy. When I'm not working, you'll find me outside- fly fishing a quiet stream, riding horses with friends, skiing with my kids, or cheering on just about any major sports event. I'm a husband to my incredible wife, Cari, and the proud father of one daughter and two boys. Family is everything to me, and it's the same sense of loyalty, care, and long-term thinking that I bring to every client relationship.
If you're looking for a financial advisor who takes the time to understand your values, priorities, and what truly matters most- I'd be honored to connect.
My career began in 1994 with Dean Witter / Morgan Stanley, and I was honored to receive the firm's National Sales Director Award early in my journey. For the past 17 years, I had the privilege of working with UBS, where I deepened my experience advising individuals, families, and business owners. Now, I've come full circle- returning to Morgan Stanley to provide clients with world-class resources and personalized guidance backed by a global platform.
Before entering the financial world, I proudly served our country in the U.S. Navy- first on active duty and later as a reserve officer. I served on board four aircraft carriers, worked alongside multiple branches of government including the CIA, and retired in 2003 with the rank of Commander. That experience shaped who I am today: disciplined, mission-driven, and deeply committed to doing the right thing- for my country, my family, and my clients.
But life isn't just about spreadsheets and strategy. When I'm not working, you'll find me outside- fly fishing a quiet stream, riding horses with friends, skiing with my kids, or cheering on just about any major sports event. I'm a husband to my incredible wife, Cari, and the proud father of one daughter and two boys. Family is everything to me, and it's the same sense of loyalty, care, and long-term thinking that I bring to every client relationship.
If you're looking for a financial advisor who takes the time to understand your values, priorities, and what truly matters most- I'd be honored to connect.
Securities Agent: FL, MT, AL, TN, CA, OR, NV, NC, IN, IA, ID, TX, NY, NM, MI, CT, AK, WV, WA, OH, AZ, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2779812
NMLS#: 2779812
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Financial Plan Made For You
I'm confident that clients of every age group and financial situation gain value from developing, implementing, and following a financial plan. Discover how my four-step process can support you in reaching your financial goals.
Step 1: Discovery Meeting
Your journey begins with a relaxed , no-obligation meeting where I take the time to truly understand what matters most to you - your goals, concerns, and unique financial needs. Together, we'll explore your current financial situation, risk comfort level, and investment preferences to build a personalized plan that fits your life perfectly.
Step 2: Customized Financial Strategy Development
Leveraging the insights from our discovery session, I'll craft a comprehensive financial strategy tailored specifically to your needs and goals. Throughout the process, I'll provide clear explanations and valuable education, ensuring you fully understand the plan and the strategies we're using, ultimately empowering you to make confident, informed decisions.
Step 3: Implementation and Progress
Once you approve your personalized financial plan, the journey toward your goals begins in earnest. Taking consistent action and adhering to the plan is key; each step brings you closer to achieving your financial aspirations while strengthening your overall financial well-being.
Step 4: Ongoing Review and Adaptation
We'll meet regularly to review and refine your financial plan, ensuring it evolves with your life's changes and milestones, whether that's a new addition to the family, a wedding, a property sale, or shifts in the market. By staying proactive, and seizing these opportunities, we can adjust your goals and set new, ambitious targets that reflect your growing financial potential.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that I can use with clients to create a realistic, integrated strategy that incorporates the various aspects of an individuals' financial life, including investments and cash management needs.
2025 Federal Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Resources to help keep you educated and protected.
Financial & Estate Planning
When preparing for tax season, it's important to get organized early. You can place tax forms and other tax filing resources and documentation in a folder, keeping them together and easy to find when you or your CPA are ready for them. These are some resources you may find helpful in preparing your taxes for the past year and planning for the year ahead.
Strategies for reducing or optimizing your tax liability include a variety of possible approaches to retirement savings and charitable giving. Below are some resources that may help determine the right approach for your situation:
The following workbook can help you organize the critical details of your financial life and begin the process of: providing for your loved ones, clarifying your personal and financial goals, and updating your estate plan:
Market Insights
The following reports, articles, and podcasts address many of the concepts that support our wealth management philosophy and investment strategies and can help you keep your finger on the pulse of market movements and trends.
The Global Investment Committee's Lisa Shalett headlines this weekly look at interest rates and inflation expectations
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
To help you understand the most impactful tax and financial changes that came from the recent signing of the One Big Beautiful Bill Act (OBBBA), please check out the 2-page cheat sheet below.
Protection from Identity Theft, Scams, & Fraud
Identity theft and financial scams are rampant today and constantly evolving. They can come by telephone (e.g., robocalls), email, and text messages. Be aware of social engineering techniques designed to compromise valuable personal and financial information, which frequently target senior and vulnerable adults. Here we've included fact sheets on several common scams, as well as links to additional guidance on protecting your identity and security, and to our Experian Identity & Credit Protection benefit available to clients.
Romance Scams
My Wife Cari
Cari and I celebrating this wonderful life we share. I am grateful every day for her love, support, and partnership.
Serving in the Navy
I proudly served in the United States Navy before beginning my career in finance. The discipline, intergity, and leadership I learned have stayed with me throughout my life.
Scuba Trip
Exploring the waters of Hawaii with my family. I believe the best memories are made when we experience adventures together.
Horseback Riding and Hunting
I enjoy being outdoors and spending time on horseback while hunting elk. It gives me time to appreciate nature and connect with friends and family.
Client Service Team
Madison Maki-Maxwell - Registered Client Service Associate
Madison is a Registered Client Service Associate and Financial Planning Specialist. She helps shape the future of service by modernizing the client’s experience through an elevated service model. Madison truly cares about our clients and works hard to help them simplify and manage aspects of their financial life. She strives to provide every client we serve with a first-class customer experience.
Madison cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. She keeps an eye on each administrative detail and finds the issues that need to be addressed.
Prior to joining Morgan Stanley in 2023, Madison worked at United Parcel Service. She spent four years working with a large customs brokerage house leading an operational team. In this position, Madison focused on building strong relationships that would enable her to understand each client’s unique goals and obstacles. She has acquired her Series 7, Series 66, and Life, Health and Variable Washington Insurance license.
Madison is from Montana. Outside of work, she enjoys spending time with her dog, supporting local artists and reading a variety of different types of literature.
Madison cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. She keeps an eye on each administrative detail and finds the issues that need to be addressed.
Prior to joining Morgan Stanley in 2023, Madison worked at United Parcel Service. She spent four years working with a large customs brokerage house leading an operational team. In this position, Madison focused on building strong relationships that would enable her to understand each client’s unique goals and obstacles. She has acquired her Series 7, Series 66, and Life, Health and Variable Washington Insurance license.
Madison is from Montana. Outside of work, she enjoys spending time with her dog, supporting local artists and reading a variety of different types of literature.
Location
2200 Rimland Drive
Suite 105
Bellingham, WA 98226
US
Direct:
(360) 788-7008(360) 788-7008
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
About Mark Calvaruso
Mark Calvaruso is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Mark provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Delaware and received the Financial Planning Specialist® designation from the College for Financial Planning. Mark is originally from Westchester, New York and currently resides in Jersey City, New Jersey.
He earned his undergraduate degree from the University of Delaware and received the Financial Planning Specialist® designation from the College for Financial Planning. Mark is originally from Westchester, New York and currently resides in Jersey City, New Jersey.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Tod Asmussen today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
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 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.
6Morgan 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
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 and other legal matters.
8Alternative 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
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 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.
6Morgan 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
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 and other legal matters.
8Alternative 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
