James N. Holzapfel
Managing Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(240) 513-3510(240) 513-3510
The Holzapfel Group at Morgan Stanley
Our Mission Statement
Experienced wealth management team dedicated to helping families and institutions achieve their goals through thoughtful planning, tailored investment solutions, and world class service.
Our Story and Services
Services Include
- Retirement PlanningFootnote1
- Wealth ManagementFootnote2
- Trust ServicesFootnote3
- Qualified Retirement PlansFootnote4
- Professional Portfolio ManagementFootnote5
- Long Term Care InsuranceFootnote6
- Cash Management and Lending ProductsFootnote7
- Endowments and FoundationsFootnote8
- Alternative InvestmentsFootnote9
- Sustainable InvestingFootnote10
- Structured ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy customized to your needs. In our experience working with clients we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family, whether you're planning for retirement, purchasing a home, or living out your golden years, we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass we create a risk-balanced strategy to map a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis while utilizing Morgan Stanley's full suite of resources to help ensure swift decisive action in all market scenarios.
Measuring Your Plan
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory away from or towards your goals. Our ultimate mission is your success and well-being.
Financial Planning
Providing quality investment advice begins with developing a thorough understanding of our clients financial needs and goals, then preparing a plan to accommodate these needs.
We’re staffed with two CERTIFIED FINANCIAL PLANNER™ professionals that are experienced in developing plans and investment strategies that are:
We’re staffed with two CERTIFIED FINANCIAL PLANNER™ professionals that are experienced in developing plans and investment strategies that are:
1: Personal
Highly individualized and committed to helping you achieve financial success.
2: Flexible
Responsive to changes in your life and in your priorities over time.
3: Comprehensive
Covering a broad array of investment products and services with preferred benefits tied to your account specifics.
Financial Planning Analysis
To begin your complimentary financial planning analysis please click the link below:
Financial Planning QuestionaireMedia and Research
The Holzapfel Group strives to make complex financial ideas more digestible so that our clients understand the work we do on their behalf to plan for their financial future. We are firm believers of giving our clients 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.
Global Investment Committee Weekly Research Report
A weekly publication headlined by The Global Investment Committee's Lisa Shalett and her weekly look at markets, asset class performance and fixed income. Check out the latest edition here:
GIC Weekly
The Morgan Stanley Minute
Explore our 1-minute investment insights videos in this on-going series from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime, and more.
Watch Here
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen Here
Wealth Management Insight Audiocasts
Wealth Management Insights provides you with the latest investment advice from thought leaders within Wealth Management Investment Resources (WMIR). They provide their latest thinking on various market topics in 3-5 minute audiocasts.
Listen HereLocation
1185 Imperial Drive, Ste 102
Trilogy Professional Center II
Hagerstown, MD 21740
US
Direct:
(833) 920-2313(833) 920-2313
Meet The Holzapfel Group
K. Richard Holzapfel, CFP®
First Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(240) 513-3510(240) 513-3510
William C. "Tad" Holzapfel, CFP®
Vice President, Financial Advisor
Phone:
(240) 513-3510(240) 513-3510
About James N. Holzapfel
For more than 45 years, Jim has earned the confidence and trust of clients by addressing their complex financial needs. Jim is particularly adept at helping clients plan for the next stage of their lives, often finding ways to replace earned income with retirement income. He applies sound financial principles to service individuals, business entities, retirement plans and foundations.
Jim earned a degree from the University of Maryland School of Business and completed the three-year Securities Industry Institute® (SII) at the Wharton School of Business. Jim joined Kidder, Peabody & Co., a predecessor firm to Wells Fargo Advisors, in 1971. In 2020 Jim and his team joined Morgan Stanley. Based in Hagerstown, Maryland, Jim has been a long-time supporter of the community. Board affiliations include leadership in area charitable foundations, committee designations and historical enterprises. Jim and his wife have four children; his sons Richie and Tad are partners in the Holzapfel Group at Morgan Stanley. Jim enjoys playing golf and tennis.
Jim has earned numerous firm, industry, and civic awards for his professionalism and expertise:
Barron's Top 1,200 Financial Advisors, 2020
Barron's Top 1,000 Financial Advisors, 2019, 2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010
Forbes Best-In-State Wealth Advisor: 2020, 2019, 2018
Financial Times – Top 400 Financial Advisors, 2017
Jim earned a degree from the University of Maryland School of Business and completed the three-year Securities Industry Institute® (SII) at the Wharton School of Business. Jim joined Kidder, Peabody & Co., a predecessor firm to Wells Fargo Advisors, in 1971. In 2020 Jim and his team joined Morgan Stanley. Based in Hagerstown, Maryland, Jim has been a long-time supporter of the community. Board affiliations include leadership in area charitable foundations, committee designations and historical enterprises. Jim and his wife have four children; his sons Richie and Tad are partners in the Holzapfel Group at Morgan Stanley. Jim enjoys playing golf and tennis.
Jim has earned numerous firm, industry, and civic awards for his professionalism and expertise:
Barron's Top 1,200 Financial Advisors, 2020
Barron's Top 1,000 Financial Advisors, 2019, 2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010
Forbes Best-In-State Wealth Advisor: 2020, 2019, 2018
Financial Times – Top 400 Financial Advisors, 2017
Securities Agent: FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, LA, DC, DE, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2176397
NMLS#: 2176397
About K. Richard Holzapfel
Richie's career in the finance industry began in 2010. After two years as a registered associate with Morgan Stanley, Richie became a Financial Advisor with the Holzapfel Investment Group of Wells Fargo Advisors in 2012. In 2020 Richie and his team joined Morgan Stanley.
In 2017 Richie obtained his CERTIFIED FINANCIAL PLANNER™ certification and in 2018 and 2019 Richie was named as a Forbes Top Next-Gen Wealth Advisor.**
Richie received his B.A. in Economics from Hampden-Sydney College in central Virginia where he was part of a nationally ranked tennis team and led fundraising efforts during his senior year. Active in the local community, Richie is a member of The Greater Hagerstown Committee, a board member of The Arc of Washington County, and a 2015 graduate of Leadership Washington County. Richie and his wife live in Hagerstown and have two sons, one daughter, a golden retriever, and a newfoundland. In his free time, he enjoys spending time with family, listening to music, and playing golf and tennis.
In 2017 Richie obtained his CERTIFIED FINANCIAL PLANNER™ certification and in 2018 and 2019 Richie was named as a Forbes Top Next-Gen Wealth Advisor.**
Richie received his B.A. in Economics from Hampden-Sydney College in central Virginia where he was part of a nationally ranked tennis team and led fundraising efforts during his senior year. Active in the local community, Richie is a member of The Greater Hagerstown Committee, a board member of The Arc of Washington County, and a 2015 graduate of Leadership Washington County. Richie and his wife live in Hagerstown and have two sons, one daughter, a golden retriever, and a newfoundland. In his free time, he enjoys spending time with family, listening to music, and playing golf and tennis.
Securities Agent: MI, MA, CA, AL, WA, VT, VA, SC, MN, ME, NY, GA, MD, WV, OH, NV, IL, FL, DE, TX, DC, CT, CO, NH, OR, KS, UT, OK, NJ, NC, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2178441
NMLS#: 2178441
About William C. "Tad" Holzapfel
Prior to joining the team in September of 2017, Tad spent three years as a performance analyst with Cambridge Associates, LLC in Arlington, VA. Tad graduated with academic distinction from the Virginia Military Institute with a BA in Economics and Business and was a member of Omicron Delta Epsilon – International Honor Society in the field of Economics.
In 2019 Tad obtained his CERTIFIED FINANCIAL PLANNER™ certification and is Series 7 and 66 registered. He is a 2019 graduate of Leadership Washington County, volunteers with Big Brothers Big Sisters Washington County, and currently serves on the board of the Maryland Symphony Orchestra.
Tad lives in Hagerstown and during his free time enjoys spending time with his friends, staying active, and supporting the Maryland Terrapins.
In 2019 Tad obtained his CERTIFIED FINANCIAL PLANNER™ certification and is Series 7 and 66 registered. He is a 2019 graduate of Leadership Washington County, volunteers with Big Brothers Big Sisters Washington County, and currently serves on the board of the Maryland Symphony Orchestra.
Tad lives in Hagerstown and during his free time enjoys spending time with his friends, staying active, and supporting the Maryland Terrapins.
Securities Agent: AL, SC, MI, IL, GA, NY, NJ, DC, FL, OH, NV, MA, NC, ME, KS, OR, NH, CO, UT, VT, PA, OK, MD, WA, DE, WV, VA, TX, MN, CT, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2226321
NMLS#: 2226321
About Karen Dattilio
A veteran of the securities industry, Karen joined the team in 1986 and manages client service to an exceptional standard. Karen is highly skilled in working with clients and addressing their needs, and is also adept at business development and administration.
Karen holds associate degrees in accounting and marketing from Hagerstown Business College, and is Series 7 and 66 registered. Karen and her husband have two children.
Karen holds associate degrees in accounting and marketing from Hagerstown Business College, and is Series 7 and 66 registered. Karen and her husband have two children.
About Kristen Thomas
Kristen joined the team in 2016 and assists in all aspects of client service and administration. Having worked in the luxury hotel industry and as a Special Assistant in Nashville and Washington, D.C., Kristen developed an exceptional client service standard that she applies to her work today.
Kristen graduated from James Madison University in Harrisonburg, VA. She and her husband live in Boonsboro.
Kristen graduated from James Madison University in Harrisonburg, VA. She and her husband live in Boonsboro.
About Bonnie Yetter
Bonnie joined the team in 2021 with over 14 years of experience providing exceptional customer service and working diligently to meet client needs. Bonnie began her career in wealth management in December 2007 and served as a Senior Registered Client Associate until April 2019 when she accepted a position as an Associate Complex Manager.
Bonnie attended Frostburg University earning a Bachelor of Science degree in Business Administration in May 2000. Bonnie currently holds her Series 7, 9, 10, 63 and 65 Securities Licenses.
Bonnie currently resides in Clear Spring with her two dogs Frankie and Floyd. She volunteers in her community for the Clear Spring American Legion Auxiliary and was a past board member of The Parent Child Center in Hagerstown. In her free time she enjoys cooking, outdoor activities, traveling, reading and spending time with her twin sons Ryan and Eric as well as family and friends.
Bonnie attended Frostburg University earning a Bachelor of Science degree in Business Administration in May 2000. Bonnie currently holds her Series 7, 9, 10, 63 and 65 Securities Licenses.
Bonnie currently resides in Clear Spring with her two dogs Frankie and Floyd. She volunteers in her community for the Clear Spring American Legion Auxiliary and was a past board member of The Parent Child Center in Hagerstown. In her free time she enjoys cooking, outdoor activities, traveling, reading and spending time with her twin sons Ryan and Eric as well as family and friends.
Contact James N. Holzapfel
Contact K. Richard Holzapfel
Contact William C. "Tad" Holzapfel
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of GreeneryLink Opens in New Tab
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 The Holzapfel 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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’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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Morgan 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.
9Alternative 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 DisclosuresLink Opens in New Tab
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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’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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Morgan 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.
9Alternative 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 DisclosuresLink Opens in New Tab
CRC 6491812 (04/2024)
