![]() ![]() An investor could lose all or a substantial amount of his/her investment. 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.ģInsurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.ĤAlternative Investments are speculative and include a high degree of risk. 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. ![]() 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.ĢTax laws are complex and are subject to change. 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. Morgan Stanley does not provide tax or legal advice. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit Tax laws are complex and subject to change. ![]() 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. This strategy involves identifying low cost and tax efficient exchange-traded funds (ETFs) and mutual funds to construct a low correlated conservative investment allocation.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. Now at Court Investment Services, Ryan assists clients and trusted professional partners in managing their assets through a proactive customer service model and customized “process driven” investment approach that adheres to court directives. Morgan Stanley acquired Smith Barney shortly thereafter and Ryan was promoted to First Vice President and Portfolio Management Director in Newport Beach. He moved on to Merrill Lynch in Newport Beach, working in operations as an associate, and later joined Smith Barney to pursue his goal of working in portfolio management. Ryan started his career with Washington Mutual Bank, while attending the University of California, Irvine. Having worked in the financial services industry for nearly two decades, Ryan has firsthand experience working in banks, national investment firms or “wirehouses” and Registered Investment Advisory firms (RIA’s) prior to starting his own RIA.
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