Senior Vice President, Financial Advisor, Corporate Retirement Director, Senior Portfolio Manager
Phone:
(337) 267-2539(337) 267-2539
Wright Fontenot Group at Morgan Stanley
Direct:
(337) 232-7160(337) 232-7160
Toll-Free:
(800) 662-3925(800) 662-3925
Our Mission Statement
By curating custom strategies with a commitment to excellence in service, we support our clients in the careful stewardship of assets for the next generation and beyond.
Our Story and Services
At the Wright Fontenot Group, we are an experienced team of professionals who value the hard work that you have put into building a career and creating a solid financial foundation for yourself and your family. Our team is dedicated to guiding you along the path toward your long-term goals so that you may enjoy your hard-earned wealth while also leaving the legacy you desire. We aim to work alongside you in managing your personal and professional financial life as it evolves over time. Our goal is to anticipate and respond strategically to new risks and emerging opportunities that may arise in your changing financial landscape.
Our team has developed a results-driven process that focuses on three critical components of a sound wealth management plan, which includes customized financial planning solutions, personalized financial guidance, and sound investment management strategies.
The combination of our specialized skills, industry experience and market insight enables our team to serve as the single point of contact for all of your wealth needs. In addition, we will work closely with your other professional advisors, such as your tax accountant or estate attorney, to integrate all aspects of your financial life into one cohesive plan.
Our refined process allows for the establishment of a coordinated projection of your financial picture over your lifetime. The result is a comprehensive plan that sets the framework for meeting your wealth management goals today and managing your legacy for the generations that may follow.
Our team has developed a results-driven process that focuses on three critical components of a sound wealth management plan, which includes customized financial planning solutions, personalized financial guidance, and sound investment management strategies.
The combination of our specialized skills, industry experience and market insight enables our team to serve as the single point of contact for all of your wealth needs. In addition, we will work closely with your other professional advisors, such as your tax accountant or estate attorney, to integrate all aspects of your financial life into one cohesive plan.
Our refined process allows for the establishment of a coordinated projection of your financial picture over your lifetime. The result is a comprehensive plan that sets the framework for meeting your wealth management goals today and managing your legacy for the generations that may follow.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Cash Management and Lending ProductsFootnote3
- 401(k) Rollovers
- Corporate Retirement PlansFootnote4
- Executive Financial ServicesFootnote5
- Estate Planning StrategiesFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Retirement PlanningFootnote9
- Business PlanningFootnote10
- Corporate Investment SolutionsFootnote11
- Alternative InvestmentsFootnote12
- Wealth PlanningFootnote13
- Trust ServicesFootnote14
- Philanthropic ManagementFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
With greater wealth comes greater complexity. Our team is specifically designed to support successful individuals who have accumulated a significant amount of wealth. Our typical client needs more sophisticated solutions, security, and first-class service.
Our approach to client service is simple – we put you at the center of everything we do. We recognize that getting to know you is essential to success, so we are focused on active listening and collaboration. The more we know about you, the better we understand your needs and what you want to accomplish by working with us.
Our approach to client service is simple – we put you at the center of everything we do. We recognize that getting to know you is essential to success, so we are focused on active listening and collaboration. The more we know about you, the better we understand your needs and what you want to accomplish by working with us.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Multi-generational Families
Our financial planning process for multi-generational families is a rigorous analysis of your lifestyle, tax obligations, future gifting plans and portfolio objectives. This analysis drives our strategy as it pertains to financial and estate planning for wealth preservation, tax optimization, asset allocation and investment decisions. Throughout the entirety of the relationship, we can work closely with your attorneys and accountants.
Professional Portfolio Management
We will devise and implement investment strategies and processes to help you meet your goals and constraints, construct and manage portfolios, making decisions on what and when to buy and sell investments.
Retirees
Developing a plan for retirement is essential. Working with an experienced advisor can help with making sure you are meeting your personal retirement needs. Retirement planning can be stressful, the advisors at Morgan Stanley are here to make this stressful process as easy as possible.
Cash Management & Lending Products
Cash Management & Lending Products can help with your overall investment strategy.
Pre-Retirees
Proper retirement planning requires us to anticipate the range of life events and financial obligations—both expected and potentially unexpected—that could impact your retirement plans and portfolio. As our clients progress from their early years in the workforce through their mid-careers and head toward retirement, we will be alongside you helping to plan and mitigate risks.
401K Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can ensure that there is no risky overlap or concentration insecurities. We can make taking required minimum distribution's easier. You also have the full suite of an open platform from which to choose investments from.
Corporate Executives
Working with executives comes with its own unique set of challenges. When investing Morgan Stanley knows that our clients want to keep as much as they can of what they earn. Our advisors are here to help you create a strategy that will minimize the taxes paid on investments.
Corporate Retirement Plans
We work with companies to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table to take this burden off of you.
Business Owners
Here at Morgan Stanley, we understand the unique circumstances that arise from owning your own business. Working with an experienced Advisor can help set you and your business up for success by helping to make smart investment decisions that will impact your business in a positive way.
INDIVIDUAL 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.
Step 1: Introductions
We begin with an informal conversation. This is your opportunity to learn about us, as we get to know you. We’ll then schedule a more in-depth discussion in your home or our offices – whichever you prefer – and ask you to bring important financial documents.
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, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView Questionnaire
Step 2: Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions, review the information you’ve prepared and define your priorities.
Retirement Planning
Most of us have numerous goals, but no goal is more important than securing a comfortable retirement. It is important to look at time horizon, Risk tolerance, and current savings to structure a sound retirement plan. Here are six simple steps to help you determine whether you are on track to meet your retirement needs.
Simple Six Step Retirement Checkup
Step 3: Analysis
Next, we review your current and future financial situation, identify any potential shortfalls and discuss the impact of unexpected life events. In this step, we may also reach out to your CPA and estate attorney to understand any existing strategies, so we can coordinate our efforts into one cohesive plan.
Estate Planning
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to the your future plans, preferences and goals.
Questions To Consider For Estate Planning
Step 4: Plan Development
Here, we prepare a comprehensive financial plan that addresses your specific needs and goals. We utilize a number of financial planning tools to develop your plan, which will include investment recommendations, as well as appropriate wealth management strategies to consider.
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters. Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to help better enable risk to be effectively monitored and managed.
Step 5: Presentation and Implementation
In this step, we present your plan and explain why we recommend each strategy. Once approved by you, we begin to implement the strategies. We believe in full transparency and will keep you involved each step of the way.
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting Tool
Step 6: Ongoing Service
We oversee your progress and regularly review the performance of your plan through ongoing calls and meetings. We may recommend adjustments over time, due to changing market conditions or changes in your personal circumstances, to help keep you on track towards achieving your goals.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money
Intelligent WithdrawalsValuable 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.
2024 Tax Tables
Explore the 2024 tax tables to better prepare yourself for the upcoming tax year.
View 2024 Tax Tables2023 Tax Tables
View the 2023 Tax Tables and additional information for the 2023 tax year.
View 2023 Tax Tables
Morgan Stanley Online (MSO) & MS Mobile
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
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
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
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Digital Vault
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
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDelivery
Morgan Stanley Minute
In this ongoing series of one-minute videos from our firm’s top investment thinkers, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
View our library of interesting content
eAuthorizations
eAuthorizations allow you to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App. eAuthorization is convenient, secure, and easy to use. You can authorize any transaction with one click and manage authorizations from anywhere using Morgan Stanley Online or Morgan Stanley Mobile.
eAuthorizations
Morgan Stanley Now What's Next Podcast
From satellite data technology used to solve some of the world's most complex problems to learning how not to follow the crowd when making decisions, the Morgan Stanley Now What's Next Podcast brings forward thinking innovations about the world of business, finance, technology and beyond.
Listen to the newest ideasLocation
400 E Kaliste Saloom Rd
Ste 1200
Lafayette, LA 70508
US
Direct:
(337) 232-7160(337) 232-7160
Toll-Free:
(800) 662-3925(800) 662-3925
Meet Wright Fontenot Group
Phone:
(337) 267-2543(337) 267-2543
Phone:
(337) 267-2545(337) 267-2545
Rebekah Hargroder, CIMA®, *Disclaimer: This role cannot solicit or provide investment advice
Registered Associate
Phone:
(337) 267-2520(337) 267-2520
James Landry
Registered Client Service Associate, Wealth Management
Phone:
(337) 267-2534(337) 267-2534
About André P. Fontenot
André brings over a decade of financial services and corporate retirement experience to the team and currently serves as Vice President. A graduate of the University of Louisiana at Lafayette, he holds a Bachelor’s degree in Business Management as well as a Master’s in Business Administration.
As financial advisor, André is committed to gaining a complete understanding of the goals, dreams and concerns of his clients. Taking into consideration each client’s unique financial situation, including previous investment experience, risk parameters and time frame, he works closely with clients to develop a wealth management strategy that is tailored to meet their objectives.
A CHARTERED RETIREMENT PLANS SPECIALIST™, André also serves as the group’s Corporate Retirement Director and has played an integral role in developing and growing this line of business for Wright Fontenot Group. His responsibilities include the design, implementation and monitoring of retirement plans, such as 401(k)’s, for small businesses and corporations. André and fellow team members also assist these companies and their employees by offering insight and guidance on choosing the most suitable investment solutions.
André and his wife are the proud parents of three children. As passionate Ragin Cajuns fans and sports fans, the family enjoys attending various ULL sporting events throughout the year, especially football games. In his free time André also likes to hunt, fish and spend time with loved ones.
Professional Details
-2008 - Present: Morgan Stanley*
Financial Advisor, Lafayette, LA
-2006 - 2008: Smith International
Operations Manager, Shreveport, LA
-2002 - 2006: Frank's Casing & Rental Tools
Project Manager, Lafayette, LA
-2007: Masters - Business Administration
University of Louisiana at Lafayette
-2004: B.S. - Business Management
University of Louisiana at Lafayette
-Series 3, 7, 31 & 66 Licensed
-Life & Health Insurance Licensed
As financial advisor, André is committed to gaining a complete understanding of the goals, dreams and concerns of his clients. Taking into consideration each client’s unique financial situation, including previous investment experience, risk parameters and time frame, he works closely with clients to develop a wealth management strategy that is tailored to meet their objectives.
A CHARTERED RETIREMENT PLANS SPECIALIST™, André also serves as the group’s Corporate Retirement Director and has played an integral role in developing and growing this line of business for Wright Fontenot Group. His responsibilities include the design, implementation and monitoring of retirement plans, such as 401(k)’s, for small businesses and corporations. André and fellow team members also assist these companies and their employees by offering insight and guidance on choosing the most suitable investment solutions.
André and his wife are the proud parents of three children. As passionate Ragin Cajuns fans and sports fans, the family enjoys attending various ULL sporting events throughout the year, especially football games. In his free time André also likes to hunt, fish and spend time with loved ones.
Professional Details
-2008 - Present: Morgan Stanley*
Financial Advisor, Lafayette, LA
-2006 - 2008: Smith International
Operations Manager, Shreveport, LA
-2002 - 2006: Frank's Casing & Rental Tools
Project Manager, Lafayette, LA
-2007: Masters - Business Administration
University of Louisiana at Lafayette
-2004: B.S. - Business Management
University of Louisiana at Lafayette
-Series 3, 7, 31 & 66 Licensed
-Life & Health Insurance Licensed
Securities Agent: HI, ME, LA, OK, DE, AR, NM, NY, AL, TX, ID, CO, TN, NH, NC, MS, MA, FL, GA, AZ, WA, CA, VA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1404007
NMLS#: 1404007
About V. Dean Wright
Dean brings a lifetime of experience to his role as a wealth management professional. For over 15 years, he has worked with highly successful professionals, corporate executives and retirees, providing personalized advice through a disciplined approach. His diverse background in tax management and finance enables him to help clients understand the intricate details of their wealth. He focuses on what is most important to each family, so he can develop a customized plan to build, preserve and transition their wealth.
After earning his Bachelor of Science degree in Accounting from Louisiana State University, Dean maintained a successful accounting career, where he spent the majority of his time serving local corporations. It was during this experience that he began to desire a more client-focused role. Aligning his skills with his passion to help people solve their financial challenges, Dean set out to become a Financial Advisor. In 2004, he embarked on a career at Morgan Stanley and has been a vital member of the firm ever since.
Dean is committed to providing comprehensive wealth management advice that goes beyond investing to include financial planning, insurance products, and estate planning and preservation strategies. He also brings extensive experience and knowledge regarding fixed income investments and is often called upon by fellow team members to offer input and insight on topics related to fixed income solutions.
A Crowley native, Dean is a passionate LSU Tiger fan and an active member of the Tiger Athletic Foundation. He also enjoys playing golf and spends most of his free time with his grandchildren.
Professional Details
-2004 - Present: Morgan Stanley*
Financial Advisor | Lafayette, LA
-1984 - 2004: Acadian Ambulance Service, Inc.
Vice President - Controller | Lafayette, LA
-1979 - 1984: Offshore Logistics, Inc.
Corporate Accountant | Lafayette, LA
-1978: B.S. - Accounting
Louisiana State University
-Series 7, 63 & 65 licensed
-Life and Health Insurance Licensed
-Member, Tiger Athletic Foundation - Louisiana State University
After earning his Bachelor of Science degree in Accounting from Louisiana State University, Dean maintained a successful accounting career, where he spent the majority of his time serving local corporations. It was during this experience that he began to desire a more client-focused role. Aligning his skills with his passion to help people solve their financial challenges, Dean set out to become a Financial Advisor. In 2004, he embarked on a career at Morgan Stanley and has been a vital member of the firm ever since.
Dean is committed to providing comprehensive wealth management advice that goes beyond investing to include financial planning, insurance products, and estate planning and preservation strategies. He also brings extensive experience and knowledge regarding fixed income investments and is often called upon by fellow team members to offer input and insight on topics related to fixed income solutions.
A Crowley native, Dean is a passionate LSU Tiger fan and an active member of the Tiger Athletic Foundation. He also enjoys playing golf and spends most of his free time with his grandchildren.
Professional Details
-2004 - Present: Morgan Stanley*
Financial Advisor | Lafayette, LA
-1984 - 2004: Acadian Ambulance Service, Inc.
Vice President - Controller | Lafayette, LA
-1979 - 1984: Offshore Logistics, Inc.
Corporate Accountant | Lafayette, LA
-1978: B.S. - Accounting
Louisiana State University
-Series 7, 63 & 65 licensed
-Life and Health Insurance Licensed
-Member, Tiger Athletic Foundation - Louisiana State University
Securities Agent: MS, MA, CA, NM, AR, WA, DE, CO, OK, NH, ID, FL, AZ, ME, HI, NC, AL, GA, VA, TN, LA, TX, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1404019
NMLS#: 1404019
About Robert Shelton
Securities Agent: LA, DE, CA, TN, MS, NY, ME, HI, CO, AZ, VA, MA, GA, FL, AL, NH, NC, AR, TX, ID, WA, OK, NM; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2424155
NMLS#: 2424155
About Rebekah Hargroder
Rebekah joined Morgan Stanley in February of 2019 and currently serves as a Registered Associate for the team. Originally from Opelousas, Rebekah is a graduate of the University of Louisiana-Lafayette where she earned her Bachelor’s degree in Finance. Rebekah spent time with a local tax law firm before making the transition to financial services.
As a Registered Associate, Rebekah’s areas of focus include various aspects related to financial planning, portfolio maintenance and practice management. She plays an integral role in assisting the team and their clients with goals planning and portfolio construction as well as product research and risk analysis. Rebekah currently carries the Series 7 and Series 66 licenses and is also certified in Life, Health and Variable Annuity Insurance.
In her free time, Rebekah enjoys gardening and spending time with friends and family, especially with her beloved niece and nephew.
As a Registered Associate, Rebekah’s areas of focus include various aspects related to financial planning, portfolio maintenance and practice management. She plays an integral role in assisting the team and their clients with goals planning and portfolio construction as well as product research and risk analysis. Rebekah currently carries the Series 7 and Series 66 licenses and is also certified in Life, Health and Variable Annuity Insurance.
In her free time, Rebekah enjoys gardening and spending time with friends and family, especially with her beloved niece and nephew.
About James Landry
James was born and raised in New Iberia, LA and graduated from Catholic High School. He went on to receive his bachelor’s degree in finance from The University of Louisiana at Lafayette. James began his career at Morgan Stanley in April of 2022, where he received his Series 7 and Series 66 Licenses- to further help clients with their financial needs.
James is an avid sports fan, attending Saints, Pelicans, Astros, and Ragin’ Cajun events. He enjoys exercise of all kinds including hiking, lifting weights, and Brazilian Ju Jitsu. James' goal is to offer the very best client service and leave clients feeling like they’re in the best hands for all of their wealth management needs.
James is an avid sports fan, attending Saints, Pelicans, Astros, and Ragin’ Cajun events. He enjoys exercise of all kinds including hiking, lifting weights, and Brazilian Ju Jitsu. James' goal is to offer the very best client service and leave clients feeling like they’re in the best hands for all of their wealth management needs.
Contact André P. Fontenot
Contact V. Dean Wright
Contact Robert Shelton
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
Article Image
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.
Ready to start a conversation? Contact Wright Fontenot Group today.
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.
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 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
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products 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.
9When 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.
10Morgan 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.
11Morgan 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.
12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
13Morgan 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.
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.
14Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
15Products 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.
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
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 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
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products 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.
9When 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.
10Morgan 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.
11Morgan 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.
12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
13Morgan 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.
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.
14Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
15Products 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.
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)
