Diversification does not guarantee a profit or protect against loss in a declining financial market.ħMorgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Because sustainability 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. 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.ĥInsurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.ĦThe returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. 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.
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Currently, Julien is studying Italian and can have normal conversations with native speakers.ġWhen 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. He has also produced music for artists and mastered/engineered their recordings for release. Julien can play the guitar, bass guitar, drums, and various horns. Julien has been with his high school sweetheart and fiancé, Raquel, for 11 years and together they have two fur babies, their cats Simba and Van Goh. He also enjoys cooking and playing soccer. Outside of work, Julien enjoys travelling and is almost always planning his next trip. Specialist in financial operations where he primarily focused on internal and external audit. Prior to joining Morgan Stanley in 2022, Julien has held other roles including, Product Specialist in the real estate industry as well as the car buying industry Account Transition Specialist assisting financial advisors with onboarding new clients, and Sr. He then went on to receive his MBA in Finance from Grand Canyon University. Julien graduated from Arizona State University in 2017, where he majored in Political Science and minored in Psychology. Julien is responsible for the supervision, management of Support Professionals and execution of all business and service functions within the Albuquerque branch. Julien Hall, Assistant Vice President – Wealth Management, serves as Business Service Officer for the Albuquerque, New Mexico Branch location.
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