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.Ĭheck the background of our Firm and Investment Professionals on FINRA's BrokerCheck*. 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 AGENCYĥMorgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. 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. 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.ĤMorgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. An investor could lose all or a substantial amount of his/her investment. 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.ģAlternative Investments are speculative and include a high degree of risk. 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. He is an avid cyclist and enjoys spending quality time with his family and being involved in the community.Īsset Allocation does not assure a profit or protect against loss in declining financial markets.ġMorgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.ĢWhen 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. Michael currently resides in Needham Massachusetts with his wife Jessica, their daughter Emory and their son Gabriel. In September 2000, he began his career at Lazard Freres & Co., where he focused on financial marketing. Michael Schwartz graduated from Syracuse University in May of 2000. Building on that understanding, he helps guide clients in making sound decisions regarding the allocation of their financial resources, while also seeking to ensure they are well informed about, and comfortable with, how those decisions may impact their futures and the futures of generations to come. The team becomes thoroughly familiar with clients, their families, their needs and their aspirations. Based in Wellesley Massachusetts, the Schwartz Group at Morgan Stanley focuses on assisting high net worth families by creating tailored financial plans. The result is individual tactical portfolios tailored specifically to each of his clients’ goals, risk parameters and time frames. He defines his investment process with a focus on investment research, security and manager selection, asset allocation and portfolio construction. Michael is an avid student of the capital markets. This helps ensure that each client’s tax-minimization, philanthropic and estate planning goals are reflected in the wealth management process. In addition, he oversees interactions with external tax and estate advisors to deliver a collaborative and unified strategy. As the Principal advisor on the team and a family wealth advisor, Michael focuses on helping clients create a carefully coordinated wealth strategy to navigate the complex multigenerational challenges of managing significant wealth.
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