Senior Vice President, Financial Advisor, Senior Portfolio Manager, Family Wealth Advisor
Phone:
(775) 982-8644(775) 982-8644
Wohletz/Schug Group at Morgan Stanley
Direct:
(775) 982-8644(775) 982-8644
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
Our Story and Services
“Am I on pace to retire on time?”
“Will I outlive my money?”
“How do I leave a lasting legacy for my family?”
We find the answers to these questions and many more for our clients. The Wohletz/Schug Group is a team of dedicated Financial Advisors in the Northern Nevada area focused on helping our clients achieve their goals. We help individuals, families, local businesses, and non-profits by providing comprehensive financial planning suited to their needs. We take the time to get to know each client and truly care about their financial life. We make sure we completely understand your situation and customize a comprehensive financial plan to help you achieve your goals.
A major area of focus for us is helping families leave a lasting legacy. An often overlooked aspect is the transfer of values from parents to children and the generations that follow. Providing straightforward, no nonsense advice can give them the confidence and peace of mind to live a more fulfilling life. We make sure we are there to help every generation on the way to a better financial future.
We take pride in servicing many local community organizations and non-profits. We take the time to understand what the organization needs, and then construct a proper investment plan to help get them there. By establishing specific guidelines and utilizing multiple accounts we help them achieve short, intermediate, and long-term goals.
We would love to set connect and learn about your financial goals.
Please contact Leonard at 775-982-8644 or Leah at 775-823-8625
“Will I outlive my money?”
“How do I leave a lasting legacy for my family?”
We find the answers to these questions and many more for our clients. The Wohletz/Schug Group is a team of dedicated Financial Advisors in the Northern Nevada area focused on helping our clients achieve their goals. We help individuals, families, local businesses, and non-profits by providing comprehensive financial planning suited to their needs. We take the time to get to know each client and truly care about their financial life. We make sure we completely understand your situation and customize a comprehensive financial plan to help you achieve your goals.
A major area of focus for us is helping families leave a lasting legacy. An often overlooked aspect is the transfer of values from parents to children and the generations that follow. Providing straightforward, no nonsense advice can give them the confidence and peace of mind to live a more fulfilling life. We make sure we are there to help every generation on the way to a better financial future.
We take pride in servicing many local community organizations and non-profits. We take the time to understand what the organization needs, and then construct a proper investment plan to help get them there. By establishing specific guidelines and utilizing multiple accounts we help them achieve short, intermediate, and long-term goals.
We would love to set connect and learn about your financial goals.
Please contact Leonard at 775-982-8644 or Leah at 775-823-8625
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
THE PLANNING PROCESS
To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. The Wohletz/Schug Group at Morgan Stanley uses a four-step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.
1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Monitor: Continually track progress so that you know where you stand relative to your goals and adjust to changing needs and circumstances.
The team's years of experience combined with Morgan Stanley’s state of the art technology, intellectual capital and extensive resources enables them to create customized, holistic plans that consist of:
- Professional Portfolio Management
- Advanced Risk Analytics
- Tax Mitigation Strategies
- Estate Planning Strategies
- Philanthropic and Legacy Planning
- Liquidity and Borrowing Needs
- Hedging and Monetization Strategies for Concentrated Equity Positions
The Wohletz/Schug Group believes in regular communication, scheduled progress updates and continuous monitoring of plans to help ensure that clients remain on track toward meeting their goals.
1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Monitor: Continually track progress so that you know where you stand relative to your goals and adjust to changing needs and circumstances.
The team's years of experience combined with Morgan Stanley’s state of the art technology, intellectual capital and extensive resources enables them to create customized, holistic plans that consist of:
- Professional Portfolio Management
- Advanced Risk Analytics
- Tax Mitigation Strategies
- Estate Planning Strategies
- Philanthropic and Legacy Planning
- Liquidity and Borrowing Needs
- Hedging and Monetization Strategies for Concentrated Equity Positions
The Wohletz/Schug Group believes in regular communication, scheduled progress updates and continuous monitoring of plans to help ensure that clients remain on track toward meeting their goals.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
LifeView QuestionnaireGoals Planning System
Our Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More About GPSWealth of Knowledge
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Read More
Mid-Year Financial Planning Checklist
Changes in the market or shifts in your personal circumstances may require adjustments to your financial plan. Here’s a mid-year checklist to help get you started.
Read More
Help Simplify Your Life through Financial Consolidation
Suffering from “account sprawl” because you have accounts with many different financial institutions? New options can help.
Learn More
A Simple Six-Step Retirement Checkup
Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.
Learn More
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
What Should I Do With My Money Podcast
Matching real people, asking real questions about their money, with experienced Financial Advisors. You’ll hear answers to important questions like: Is now the right time to buy a house? What to do if your business fails? How should I be saving to cover the cost of college? How much do I really need to retire and am I on track? Join us as our guests share their stories around life's major moments. And hear the difference a conversation can make.
Listen to the Latest Episode
Thoughts on the Market Podcast
Perspectives on the forces shaping markets.
Listen to the Latest EpisodeMODERN WEALTH 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 that we offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Wealth Tool
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online and Total Wealth View, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Learn More
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More about our Planning Tools
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk PlatformUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
Online
Location
5390 Kietzke Lane
Suite 200
Reno, NV 89511
US
Direct:
(775) 982-8644(775) 982-8644
Meet Wohletz/Schug Group
First Vice President, Wealth Management, Financial Advisor, Certified Divorce Financial Analyst, Portfolio Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(775) 823-8625(775) 823-8625
Jennifer Zimmerman
Group Director
Phone:
(775) 823-8632(775) 823-8632
About Leonard R. Wohletz III
I have been a Financial Advisor with Morgan Stanley serving individuals, high net worth families, non-profits and corporations since 1998. Along with my partner on The Wohletz, Schug Group, I help my clients make the best decisions possible for their individual needs and goals. We focus on providing individually tailored advice and solutions to our clients in a customized manner based upon their specific and unique situations. We do this by providing: Financial Planning, Retirement Planning, Estate Planning Strategies, Insurance Planning and Investment selection and Management.
One major area of focus for us is helping families leave a lasting legacy. An often overlooked aspect is the transfer of values from parents to children and the generations that follow. Providing straightforward no nonsense advice can give them the confidence and peace of mind to live a more fulfilling life.
Outside of work, I enjoy giving back to the community. Currently, I am a board member of the Northern Nevada Children's Cancer Foundation and on the Board of Trustees and the Investment Committee of the University of Nevada Foundation. Previously, I was the Chairman of the Board of the Better Business Bureau of Northern Nevada, President of the University of Nevada Young Alumni Association and a board member of the University of Nevada Alumni Council.
I am a Reno Native and earned a Bachelor of Science majoring in Economics at the University of Nevada Reno in 1998. My wife Lori and I have two wonderful daughters and live in Southwest Reno. Together, we enjoy hiking, skiing and spending time together at Lake Tahoe. We are also diehard fans of Nevada Wolf Pack Athletics.
I welcome the opportunity to get to know you and your specific needs and concerns to determine whether we might be of value for you and your family.
Please contact me at (775) 982-8644 or Leonard.wohletz@morganstanley.com to begin a dialogue.
One major area of focus for us is helping families leave a lasting legacy. An often overlooked aspect is the transfer of values from parents to children and the generations that follow. Providing straightforward no nonsense advice can give them the confidence and peace of mind to live a more fulfilling life.
Outside of work, I enjoy giving back to the community. Currently, I am a board member of the Northern Nevada Children's Cancer Foundation and on the Board of Trustees and the Investment Committee of the University of Nevada Foundation. Previously, I was the Chairman of the Board of the Better Business Bureau of Northern Nevada, President of the University of Nevada Young Alumni Association and a board member of the University of Nevada Alumni Council.
I am a Reno Native and earned a Bachelor of Science majoring in Economics at the University of Nevada Reno in 1998. My wife Lori and I have two wonderful daughters and live in Southwest Reno. Together, we enjoy hiking, skiing and spending time together at Lake Tahoe. We are also diehard fans of Nevada Wolf Pack Athletics.
I welcome the opportunity to get to know you and your specific needs and concerns to determine whether we might be of value for you and your family.
Please contact me at (775) 982-8644 or Leonard.wohletz@morganstanley.com to begin a dialogue.
Securities Agent: SC, CO, NC, MD, DE, VA, MT, MO, MI, TX, AZ, WA, OR, MA, ID, FL, OH, NY, UT, PA, GA, AL, NV, NJ, CA, AR, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288023
CA Insurance License #: 0D28957
NMLS#: 1288023
CA Insurance License #: 0D28957
About Leah H. Jacobson Schug
I began my career in Wealth Management in 2011 and have been a Financial Advisor at Morgan Stanley since 2014. As a member of the Wohletz/Schug Group, I help individuals and families plan out their financial lives. As a Financial Advisor, my job is to be a financial guide and bring peace of mind to my client’s financial lives. I deeply care about my clients and take the time to get to know the ins and outs of your life. Whether this includes managing your retirement, funding a child’s education, or helping you leave a lasting legacy, I tailor my advice to each client based on their unique goals.
I attended St Mary’s College of California and received a Bachelor’s degree in Sociology and Anthropology. Since then I have received the Certified Divorce Financial Analyst designation. As a CDFA®, I understand the financial complexities that come with going through a divorce and am here to help you manage your finances effectively throughout the process. I have served as a leader and presenter of the nationally recognized Second Saturday Divorce Workshop program since 2015, helping hundreds of people navigate the financial aspects of Divorce. I am also a member of the Nevada Collaborative Divorce Professionals who work with families to resolve disputes through cooperative strategies to dissolve a marriage with less stress, time and expense. I have also earned my CERTIFIED FINANCIAL PLANNER™ designation. Being a CFP® means I fully understand the value of having a sound financial plan in place. I make sure I take the time to truly get to know your entire situation and goals, and then set out a financial plan designed to take you there.
Outside of work I enjoy skiing, kayaking and hiking throughout Northern Nevada and Northern California. My family and I have been lucky to call the Sierra Nevada’s home for decades.
I attended St Mary’s College of California and received a Bachelor’s degree in Sociology and Anthropology. Since then I have received the Certified Divorce Financial Analyst designation. As a CDFA®, I understand the financial complexities that come with going through a divorce and am here to help you manage your finances effectively throughout the process. I have served as a leader and presenter of the nationally recognized Second Saturday Divorce Workshop program since 2015, helping hundreds of people navigate the financial aspects of Divorce. I am also a member of the Nevada Collaborative Divorce Professionals who work with families to resolve disputes through cooperative strategies to dissolve a marriage with less stress, time and expense. I have also earned my CERTIFIED FINANCIAL PLANNER™ designation. Being a CFP® means I fully understand the value of having a sound financial plan in place. I make sure I take the time to truly get to know your entire situation and goals, and then set out a financial plan designed to take you there.
Outside of work I enjoy skiing, kayaking and hiking throughout Northern Nevada and Northern California. My family and I have been lucky to call the Sierra Nevada’s home for decades.
Securities Agent: OH, CA, TN, AR, PA, HI, VA, TX, SC, NY, MT, RI, NJ, MI, IN, ID, NV, NC, AK, WA, AZ, OR, DE, MO, MD, FL, CO, AL, MA, UT, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1295644
CA Insurance License #: 0H98429
NMLS#: 1295644
CA Insurance License #: 0H98429
Contact Leonard R. Wohletz III
Contact Leah H. Jacobson Schug
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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 Wohletz/Schug 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
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 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
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 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
CRC 6491812 (04/2024)