Phone:
(732) 936-3362(732) 936-3362
Twin Lights Group at Morgan Stanley
Our Mission Statement
Our goal is to become our clients’ trusted advisor, offering guidance that allows our clients to continue their pursuits with the confidence that they have addressed all pertinent matters relating to their wealth. We aim to be an empowering and stabilizing force in our clients’ lives, offering sound advice for the financial decisions they make.
Our Story and Services
The Twin Lights that tower above Sandy Hook Bay are a New Jersey Shore landmark and a fitting name for our team of financial professionals. Just as the Twin Lights have guided countless ships to a safe harbor, we provide our clients with the counsel to help them progress toward their financial destinations with greater certainty and confidence.
The team was founded by Stephen Mayrose and James Cook, two Morgan Stanley Financial Advisors who bring more than a combined 40 years of experience to every client we advise. Stephen is a Certified Financial Planner and Chartered Financial Analyst with a passion for the financial markets and a focus on portfolio construction and management. James is also a Certified Financial Planner, as well as a Certified Private Wealth Advisor, Certified Investment Management Analyst and Chartered Retirement Plan Counsellor. He makes full use of Morgan Stanley’s extensive financial planning platform to provide clients with an understanding of where they are in relation to their goals and what they must do to pursue those goals with greater efficiency.
Together, our team can help light your way toward a comfortable retirement, legacy for your loved ones or simply a more secure financial future for you and your family.
The team was founded by Stephen Mayrose and James Cook, two Morgan Stanley Financial Advisors who bring more than a combined 40 years of experience to every client we advise. Stephen is a Certified Financial Planner and Chartered Financial Analyst with a passion for the financial markets and a focus on portfolio construction and management. James is also a Certified Financial Planner, as well as a Certified Private Wealth Advisor, Certified Investment Management Analyst and Chartered Retirement Plan Counsellor. He makes full use of Morgan Stanley’s extensive financial planning platform to provide clients with an understanding of where they are in relation to their goals and what they must do to pursue those goals with greater efficiency.
Together, our team can help light your way toward a comfortable retirement, legacy for your loved ones or simply a more secure financial future for you and your family.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Why Choose the Twin Lights Group?
Our approach to advising clients is comprehensive. It involves investments, of course, but it goes far beyond to encompass virtually every dimension of your financial life. Specifically, you can look to us for advice and guidance to help you:
· Retire with confidence that you’ll be able to maintain your lifestyle and meet day-to-day expenses for the rest of your life
· Leave a meaningful legacy without excessive taxation or family conflict
· Finance a new home or other major acquisition at favorable terms
· Protect your family from long-term care expenses and loss of income due to death or disability
· Provide ongoing care for a special needs child
· Adapt financially to the loss of a spouse
· Send your children to college without depleting your retirement savings
· Understand the risks of employer stock ownership and the need to integrate your corporate benefits with the rest of your finances.
· Meet business needs with solutions that range from cash management to business succession planning
· Retire with confidence that you’ll be able to maintain your lifestyle and meet day-to-day expenses for the rest of your life
· Leave a meaningful legacy without excessive taxation or family conflict
· Finance a new home or other major acquisition at favorable terms
· Protect your family from long-term care expenses and loss of income due to death or disability
· Provide ongoing care for a special needs child
· Adapt financially to the loss of a spouse
· Send your children to college without depleting your retirement savings
· Understand the risks of employer stock ownership and the need to integrate your corporate benefits with the rest of your finances.
· Meet business needs with solutions that range from cash management to business succession planning
Certified Financial Planner (CFP®)
Certified Financial Planner (CFP®) designation, awarded by the Certified Financial Planner Board of Standards Inc. (CFP Board). CFP® professionals are rigorously trained in 72 areas of financial knowledge and must accrue thousands of hours of experience prior to earning their certification. With a CFP® professional, you get a financial planner partner committed to working in your best interest and the confidence that comes with building a comprehensive plan.
Learn more about CFP®
Chartered Financial Analyst (CFA®)
Attainment of the CFA Charter provides the tools necessary to look at an investor’s whole picture from both a macro and micro perspective, covering all asset classes, as well as portfolio management and wealth planning.
“The path to achieving the CFA Charter was the most challenging and rewarding undertaking of my professional life. The skills I developed have given me a better understanding of the capital markets, specifically as they affect our clients’ portfolios." - Stephen Mayrose
Why Hire a CFA Charterholder?“The path to achieving the CFA Charter was the most challenging and rewarding undertaking of my professional life. The skills I developed have given me a better understanding of the capital markets, specifically as they affect our clients’ portfolios." - Stephen Mayrose
Certified Private Wealth Advisor® (CPWA®)
Certified Private Wealth Advisor® (CPWA®) certification, a designation administered by the Investments and Wealth Institute and taught in conjunction with the University of Chicago Booth School of Business. Certified Private Wealth Advisor® professionals take a holistic and multi-disciplinary approach to wealth management that includes wealth strategies, estate planning, wealth transfer, behavioral finance, family dynamics, tax management, and legacy planning.
Learn more about CPWA® certification
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification, a designation administered by the Investments and Wealth Institute and taught in conjunction with the Yale School of Management. The CIMA® body of knowledge is uniquely designed to provide a useful and relevant balance of theory and practical knowledge. It goes well beyond the fundamentals, with deep dives into advanced portfolio management, portfolio construction, and risk management techniques.
Learn more about CIMA®A Dynamic Process
Our process is driven by a desire to always provide the advice and guidance most reflective of your goals with a focus on the immediate and ancillary effects of the decisions you make. Our engagement with your family is conducted as a series of open discussions designed to build a trusting relationship. We want to know how you feel about your wealth, how you built your wealth, and what you expect from the professional stewards of your wealth. Your total wealth may not just be the financial assets, but also the human and social capital that defines your family. As primary advisor to your family we will repeat this dynamic process to ensure continued confidence that you are truly planning your journey.
Discovery Conversation
Our initial meetings may be a general conversation regarding how we may help or an educational discussion regarding a specific topic such as retirement. We will have an informal discussion to uncover your goals and inventory your financial resources.
Analysis and Goal Prioritization
In this phase of the process we will produce a draft analysis of your current financial plans and overall financial condition. We will reiterate and discuss prioritizing your goals. As a draft analysis we will offer a deeper discussion regarding the strengths and weaknesses of the current plan in respect to achieving your goals.
Wealth Allocation and Planning Recommendations
At this stage we should have a thorough understanding of your goals and priorities and begin to examine strategies that would be tailored to achieving your goals. We want to find the approach that pursues your goals in a manner that is befitting of your family values and attitude towards wealth. Developing a strategy for allocating your wealth goes beyond an investment strategy to incorporate all resources and solutions available to your family. This allocation should consider insurance coverage, cash management, and non-liquid assets such as homes and private business interests.
This phase of the planning process is paramount to implementation of well thought and coordinated approach to managing your wealth.
This is the moment in the process you should to feel the confidence that you are working with the right financial advisor. If we have delivered then you should experience the comfort that comes with understanding your wealth and its purpose in achieving your happiness.
This phase of the planning process is paramount to implementation of well thought and coordinated approach to managing your wealth.
This is the moment in the process you should to feel the confidence that you are working with the right financial advisor. If we have delivered then you should experience the comfort that comes with understanding your wealth and its purpose in achieving your happiness.
Engagement and Implementation
Implementing the recommendations of your plan may involve multiple professional advisors. This may involve the engagement of estate planning attorneys, certified public accountants, insurance specialists, and private bankers, all operating in pursuit of your written and well thought comprehensive financial plan.
We would be there every step of the way as the dedicated advisors who understand not only the goals and solutions we seek to implement, but the nuanced reasons and family dynamics that helped to guide those decisions.
We would be there every step of the way as the dedicated advisors who understand not only the goals and solutions we seek to implement, but the nuanced reasons and family dynamics that helped to guide those decisions.
We would be there every step of the way as the dedicated advisors who understand not only the goals and solutions we seek to implement, but the nuanced reasons and family dynamics that helped to guide those decisions.
We would be there every step of the way as the dedicated advisors who understand not only the goals and solutions we seek to implement, but the nuanced reasons and family dynamics that helped to guide those decisions.
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20 Linden Place
Red Bank, NJ 07701
US
Direct:
(844) 410-1697(844) 410-1697
Meet Twin Lights Group
Phone:
(732) 224-3773(732) 224-3773
Marija Duzic
Portfolio Associate
Phone:
(844) 410-1697(844) 410-1697
About Stephen Mayrose
Stephen co-founded The Twin Lights Group and takes a lead role in the team’s portfolio construction and management efforts. A CFA® (Chartered Financial Analyst) Charterholder, Stephen studies financial markets, researches investment management organizations and works closely with Morgan Stanley’s Global Investment Committee to position clients appropriately for the goals they hope to achieve. He is also a CERTIFED FINANCIAL PLANNER™(CFP®) with a deep understanding of the role that investments play in a client’s overall financial plan. Clients call him regularly to discuss market conditions, economic outlooks, Federal Reserve decisions and other investment-oriented topics.
A native New Yorker, Stephen graduated from The University of Delaware and began his financial services career at PaineWebber in 1998. After building a successful practice, he joined Morgan Stanley in 2013 to provide his clients with more extensive resources and a wider variety of investment solutions. Stephen treasures the client relationships he’s developed over the years and the friendships he’s formed that go far beyond financial concerns.
As a CFA Charter holder, Stephen believes it is critical for him to stay informed about private wealth management issues and how they may affect his clients. As a result, he volunteers regularly with the CFA Society NY, a leading global forum for investment professionals. Specifically, Stephen has served as the Private Wealth Management Committee’s Chair and supported several key committees. In 2019, he was named the Society’s Volunteer of the Year.
When not working with his clients and striving to improve his professional skills, Stephen loves spending time with his wife Colleen and their three young children. He and Colleen are active in their Colts Neck community, volunteering with local charities, their church, and children’s schools and sports teams.
A native New Yorker, Stephen graduated from The University of Delaware and began his financial services career at PaineWebber in 1998. After building a successful practice, he joined Morgan Stanley in 2013 to provide his clients with more extensive resources and a wider variety of investment solutions. Stephen treasures the client relationships he’s developed over the years and the friendships he’s formed that go far beyond financial concerns.
As a CFA Charter holder, Stephen believes it is critical for him to stay informed about private wealth management issues and how they may affect his clients. As a result, he volunteers regularly with the CFA Society NY, a leading global forum for investment professionals. Specifically, Stephen has served as the Private Wealth Management Committee’s Chair and supported several key committees. In 2019, he was named the Society’s Volunteer of the Year.
When not working with his clients and striving to improve his professional skills, Stephen loves spending time with his wife Colleen and their three young children. He and Colleen are active in their Colts Neck community, volunteering with local charities, their church, and children’s schools and sports teams.
Securities Agent: IL, TN, GA, NJ, NV, MA, NH, TX, DE, MI, IN, MD, FL, PA, NY, MT, VA, WV, VT, DC, NC, SC, AZ, RI, CT, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1347343
NMLS#: 1347343
About James Cook
James E. Cook, CFP®, CIMA®, CPWA®, CRPC®
Vice President
Financial Advisor
James brings more than 20 years of financial services experience to every client he advises. As co-founder of The Twin Lights Group, he focuses primarily on comprehensive planning that encompasses virtually every aspect of his clients’ financial lives. He works with clients’ CPAs, attorneys, and other advisors in coordinating our team approach.
James began his career at Merrill Lynch and built a successful practice serving the needs of executives, business owners and professionals who were nearing retirement and often unaware of the options available to them. James understands the intricacies of the many options for qualified retirement plan distributions and enjoys building strategies to effectively manage those assets in retirement. James has helped many clients coordinate these plans along with their executive compensation programs to prepare for retirement. He enjoys educating future clients as they prepare for retirement down the road. In developing their wealth management plans he provides numerous high net worth clients with the guidance they need to plan their estates, understand the concepts of taxation, and leave meaningful legacies to their loved ones and communities.
A graduate of Rutgers with a BA in Economics, James has continuously strived to further his education by earning a number of prestigious industry credentials. Specifically, he earned the Certified Private Wealth Advisor (CPWA®) designation from the University of Chicago Booth School of Business and the Certified Investment Management Analyst (CIMA®) designation from Yale School of Management. He is also a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner and Chartered Retirement Plan Counsellor (CRPC®).
James resides in Lincroft, NJ. He stays active in his community and daily life. He volunteers his time and energy, and stays active skiing, playing basketball, doing triathlons, and struggling on the golf course.
Vice President
Financial Advisor
James brings more than 20 years of financial services experience to every client he advises. As co-founder of The Twin Lights Group, he focuses primarily on comprehensive planning that encompasses virtually every aspect of his clients’ financial lives. He works with clients’ CPAs, attorneys, and other advisors in coordinating our team approach.
James began his career at Merrill Lynch and built a successful practice serving the needs of executives, business owners and professionals who were nearing retirement and often unaware of the options available to them. James understands the intricacies of the many options for qualified retirement plan distributions and enjoys building strategies to effectively manage those assets in retirement. James has helped many clients coordinate these plans along with their executive compensation programs to prepare for retirement. He enjoys educating future clients as they prepare for retirement down the road. In developing their wealth management plans he provides numerous high net worth clients with the guidance they need to plan their estates, understand the concepts of taxation, and leave meaningful legacies to their loved ones and communities.
A graduate of Rutgers with a BA in Economics, James has continuously strived to further his education by earning a number of prestigious industry credentials. Specifically, he earned the Certified Private Wealth Advisor (CPWA®) designation from the University of Chicago Booth School of Business and the Certified Investment Management Analyst (CIMA®) designation from Yale School of Management. He is also a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner and Chartered Retirement Plan Counsellor (CRPC®).
James resides in Lincroft, NJ. He stays active in his community and daily life. He volunteers his time and energy, and stays active skiing, playing basketball, doing triathlons, and struggling on the golf course.
Securities Agent: MT, IL, NV, MO, IN, GA, FL, DC, TX, PA, NJ, KY, CA, CT, CO, VA, TN, MN, MD, WV, WA, OH, NH, DE, VT, SC, NY, NC, RI, OR, MA, ID, MI, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 557520
NMLS#: 557520
Contact Stephen Mayrose
Contact James Cook
Wealth Management
From Our Team
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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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
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- Impact Investing
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
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 Twin Lights 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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
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.
6When 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
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.
6When 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
