Chris du Passage
Senior Vice President, Financial Advisor, Insurance Planning Director
Phone:
(985) 624-6921(985) 624-6921
The Walther-du Passage-Lobdell Group at Morgan Stanley
Direct:
(985) 624-6900(985) 624-6900
Our Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
About Us
With over 100 years of combined experience in financial services, the Walther-duPassage Group prides itself on offering some of the very best ideas and service to high net worth clients and their families throughout the Greater New Orleans area and beyond. We are a seasoned team of advisors that provides wealth management and retirement solutions for individual investors, small business owners and corporations.
Working together, we can help you to preserve, grow and distribute your wealth in a manner that is consistent with your goals. At Morgan Stanley, you’ll have access to some of the world’s most experienced and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices. We will use a combination of savings, investment and estate planning strategies to help you achieve your long term financial goals, while providing exceptional service and consistent communication along the way.
We aim to develop strong, lasting relationships with our clients. We know that the wide range of investment opportunities and planning strategies that impact your wealth are complex. Allow us to guide you and provide the valuable insight needed to help you make informed, confident decisions about your life, your family and your business.
Working together, we can help you to preserve, grow and distribute your wealth in a manner that is consistent with your goals. At Morgan Stanley, you’ll have access to some of the world’s most experienced and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices. We will use a combination of savings, investment and estate planning strategies to help you achieve your long term financial goals, while providing exceptional service and consistent communication along the way.
We aim to develop strong, lasting relationships with our clients. We know that the wide range of investment opportunities and planning strategies that impact your wealth are complex. Allow us to guide you and provide the valuable insight needed to help you make informed, confident decisions about your life, your family and your business.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- 401(k) Rollovers
- Corporate Retirement PlansFootnote4
- Executive Financial ServicesFootnote5
- Municipal BondsFootnote6
- AnnuitiesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Estate Planning StrategiesFootnote10
- Cash Management and Lending ProductsFootnote11
- Planning for Education FundingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs.
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is.
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is.
Develop
Establish a thorough understanding of your financial goals and objectives
Review
Evaluate and analyze your current financial situation
Indentify
Recognize and tailor solutions that can help you meet your individual needs
Implement
Execute your customized strategy, including personalized services and benefits
Strategy
Review your strategy, meeting periodically to discuss your goals and needs
Personal
Highly individualized and committed to helping you achieve financial success
Flexible
Responsive to changes in your life and in your priorities over time
Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
In the Press
Each year, Forbes publishes a ranking of the Best-In-State Wealth Management Teams, recognizing a select group of financial advisory teams from around the country. The Walther-du Passage-Lobdell Group is proud to announce that we have been named to Forbes Magazine’s 2025 list of America’s Best-In-State Wealth Management Teams, for the second consecutive year. We are deeply honored by this recognition, as it is a reflection of the professionalism, service and dedication we bring to every client relationship.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
View the List
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
View the ListINDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
J.W. holds this designation.
J.W. holds this designation.
Insurance Planning Director
Insurance Planning Directors have demonstrated a commitment to, and understanding of, holistic goals-based wealth management planning through the incorporation of insurance solutions into their practice as a foundational component of risk management.
Insurance and annuities can help clients plan for and guard against life’s hidden curves—helping protect their assets and their family’s well-being.
Chris holds this designation.
Insurance and annuities can help clients plan for and guard against life’s hidden curves—helping protect their assets and their family’s well-being.
Chris holds this designation.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Get Started
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click Here to Learn More
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click Here to Learn More
Aladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click Here to Learn More
2024 Tax Tables
Explore the 2024 tax tables to better prepare yourself for the upcoming tax year.
View 2024 Tax TablesVALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online(MSO) & MSMobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and a mobile phone number.
To learn more, click here
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
To learn more, click here
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Watch this video to learn more
Morgan Stanley Ideas
See the full archive of Morgan Stanley Ideas for our perspective on what's shaping the world today, and tomorrow.
Browse More Ideas
2024 Tax Tables
Explore the 2024 Tax Tables to better prepare yourself for the upcoming tax year.
View the 2024 Tax TablesLocation
1261 West Causeway Approach
Mandeville, LA 70471
US
Direct:
(985) 624-6900(985) 624-6900
Meet The Walther-du Passage-Lobdell Group
J.W. Lobdell, CFP®
First Vice President, Wealth Management, Financial Advisor
Phone:
(985) 624-6990(985) 624-6990
Camille Walther
Associate Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(985) 624-6977(985) 624-6977
Stacy LoCicero
Senior Registered Client Services Associate
Phone:
(985) 624-6922(985) 624-6922
Lindy Giambrone
Client Service Associate
Phone:
(985) 624-6911(985) 624-6911
About Chris du Passage
Born and raised in Brooklyn, New York, Chris has called Mandeville home since entering the financial services industry over 25 years ago. He currently serves as Senior Vice President of The Walther-du Passage-Lobdell Group at Morgan Stanley. Over the years, Chris has played a key role in developing and growing the group’s corporate retirement plan line of business. Chris holds Morgan Stanley’s Insurance Planning Director designation demonstrating his commitment to incorporating insurance solutions as a foundational component of his financial planning and risk management process.
Having traveled extensively throughout his life, Chris brings a unique skillset and background to the team. After studying law and earning a Bachelor of Science degree from Arizona State University, Chris transitioned into the food service industry, graduating from Johnson and Wales with a Culinary Arts degree. His entry into restaurant management eventually brought him to New Orleans where his wife, Angele, is originally from. Over time, Chris discovered his true calling as a financial advisor, joining Legg Mason in 1997. He’s been with Morgan Stanley and its predecessor firms ever since and, along with partner Jim Walther, formed the Walther-duPassage Group in 2007.
Chris and Angele are the proud parents of two boys, Jacques and Emerson. He is a fan of all types of music, and in his free time, Chris loves to travel, play golf and spend time with his family.
Having traveled extensively throughout his life, Chris brings a unique skillset and background to the team. After studying law and earning a Bachelor of Science degree from Arizona State University, Chris transitioned into the food service industry, graduating from Johnson and Wales with a Culinary Arts degree. His entry into restaurant management eventually brought him to New Orleans where his wife, Angele, is originally from. Over time, Chris discovered his true calling as a financial advisor, joining Legg Mason in 1997. He’s been with Morgan Stanley and its predecessor firms ever since and, along with partner Jim Walther, formed the Walther-duPassage Group in 2007.
Chris and Angele are the proud parents of two boys, Jacques and Emerson. He is a fan of all types of music, and in his free time, Chris loves to travel, play golf and spend time with his family.
Securities Agent: HI, AR, AL, OK, MD, GA, AZ, VA, TN, PR, NY, NE, MI, NC, CA, SC, CT, CO, MT, LA, DE, ID, NJ, MA, OR, OH, NM, IL, TX, SD, PA, MS, KY, IN, FL, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1297723
NMLS#: 1297723
About J.W. Lobdell
A North Shore native, J.W. began his career in financial services in 2001 with Legg Mason. In addition to his role as financial advisor, J.W. has spent time in various management and compliance roles in the Mandeville office during his 23-year tenure with Morgan Stanley and its predecessor firms. He is a a Vice President of The Walther-du Passage-Lobdell Group and as a CERTIFIED FINANCIAL PLANNER™, J.W. plays an integral role on the team, focusing on building custom retirement plans designed to help clients achieve their long-term financial goals.
J.W. is a third-generation alumnus of St. Paul’s High School in Covington, LA. He holds a Bachelor of Science in Economics from the University of New Orleans and also received his M.B.A. from UNO as well. He and his wife, Pattie, reside in Covington and are the proud parents of two sons, Walker and Alex. In his spare time, J.W. enjoys building and restoring classic sports cars, a favorite hobby that he’s shared with his father since childhood.
J.W. is a third-generation alumnus of St. Paul’s High School in Covington, LA. He holds a Bachelor of Science in Economics from the University of New Orleans and also received his M.B.A. from UNO as well. He and his wife, Pattie, reside in Covington and are the proud parents of two sons, Walker and Alex. In his spare time, J.W. enjoys building and restoring classic sports cars, a favorite hobby that he’s shared with his father since childhood.
Securities Agent: OR, CT, VA, MS, LA, ID, AR, AL, TX, SD, SC, OK, NE, MD, NC, MT, GA, FL, DE, CA, AZ, PR, PA, NJ, IN, CO, UT, NY, NM, KY, HI, TN, IL, OH, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1301115
NMLS#: 1301115
About Camille Walther
As a former attorney now financial advisor, Camille brings a unique perspective to helping clients navigate their financial journey. With a foundation built on integrity, professionalism and compassion, Camille is committed to providing the highest level of service.
Having transitioned from the legal field to finance, Camille understands the complexities and intricacies of both worlds, allowing her to offer comprehensive solutions tailored to client’s unique needs. Whether they are planning for retirement, navigating tax implications or strategizing for children’s education, Camille is here to help in every step of the way.
Beyond her professional endeavors, Camille’s greatest joy comes from her roles as a loving wife and devoted mother. Family is the heart of everything she does. It is this same dedication and commitment that she brings to her clients, ensuring that their financial goals align with their deepest values and aspirations. Camille joined the Walther-du Passage-Lobdell Group in 2019 and their group treats all clients as a valued member of their family.
Camille has lived in Covington, LA for over 30 years. She is an alumna of St. Scholastica Academy, Louisiana State University and LSU’s Paul M Hebert Law Center. She enjoys being involved in the local community and was honored to serve as the Treasurer of the Junior League of Greater Covington in 2022-2023.
Having transitioned from the legal field to finance, Camille understands the complexities and intricacies of both worlds, allowing her to offer comprehensive solutions tailored to client’s unique needs. Whether they are planning for retirement, navigating tax implications or strategizing for children’s education, Camille is here to help in every step of the way.
Beyond her professional endeavors, Camille’s greatest joy comes from her roles as a loving wife and devoted mother. Family is the heart of everything she does. It is this same dedication and commitment that she brings to her clients, ensuring that their financial goals align with their deepest values and aspirations. Camille joined the Walther-du Passage-Lobdell Group in 2019 and their group treats all clients as a valued member of their family.
Camille has lived in Covington, LA for over 30 years. She is an alumna of St. Scholastica Academy, Louisiana State University and LSU’s Paul M Hebert Law Center. She enjoys being involved in the local community and was honored to serve as the Treasurer of the Junior League of Greater Covington in 2022-2023.
Securities Agent: MD, AR, UT, TX, NY, KY, HI, OK, NM, MS, DE, AZ, PA, NJ, CO, AK, SD, OH, LA, ID, FL, PR, NC, IN, CT, MT, GA, SC, OR, NE, MI, MA, IL, VA, TN, CA, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1855520
NMLS#: 1855520
About Stacy LoCicero
Stacy brings nearly 30 years of experience in financial services to the team. A New Orleans native, she began her career with Legg Mason in 1989. As Senior Registered Client Service Associate, she is often the first point of contact for clients calling in with questions about their accounts. Stacy assists clients and advisors with various administrative tasks, such as opening accounts, transfers and ensuring that paperwork is properly filled out and processed. Stacy is Series 7 licensed and has been with The Walther-DuPassage Group since it was founded in 2007.
Stacy and her husband, Ray, moved to the North Shore in 2001 and now call Madisonville home. They are the proud parents of one son, Blake, who is currently enrolled at LSU. When she has free time, Stacy enjoys a relaxing boat ride along the Tchefuncte River, spending time with friends and family and taking in the rich culture of South Louisiana.
Stacy and her husband, Ray, moved to the North Shore in 2001 and now call Madisonville home. They are the proud parents of one son, Blake, who is currently enrolled at LSU. When she has free time, Stacy enjoys a relaxing boat ride along the Tchefuncte River, spending time with friends and family and taking in the rich culture of South Louisiana.
About Lindy Giambrone
Lindy Giambrone began her financial services career in 1998 with a background in the banking industry for 25 years.
Lindy was born and raised on the South Shore. She is a graduate from Ursuline Academy and holds a Bachelor of Science degree in Finance from the University of New Orleans. She holds an Accredited ACH Professional (AAP) certification since 2017.
Lindy resides in Mandeville with her son and twin daughters. She enjoys going to the beach, watching football, and spending time with her family.
Lindy was born and raised on the South Shore. She is a graduate from Ursuline Academy and holds a Bachelor of Science degree in Finance from the University of New Orleans. She holds an Accredited ACH Professional (AAP) certification since 2017.
Lindy resides in Mandeville with her son and twin daughters. She enjoys going to the beach, watching football, and spending time with her family.
Contact Chris du Passage
Contact J.W. Lobdell
Contact Camille Walther
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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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 The Walther-du Passage-Lobdell 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.
2Morgan 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
11Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
2Morgan 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
11Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
