Amit Michael Kapil - Morgan Stanley Smith Barney Financial Advisor

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Declining revenues and rising expenses aren’t the only risks your business faces. I can help you identify risks of which you might not be aware that can affect the future stability of your business and security of your family.

A risk review covers such key areas as Business Continuity, Employee Benefits, Business Insurance and Operational Risk. When I uncover issues, I offer strategies to help you address them.

Morgan Stanley Smith Barney and it’s Financial Advisors do not provide tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.

Not all of the insurance products discussed above are available through Morgan Stanley Smith Barney and its licensed insurance agency affiliates

For clients whose account is carried by Morgan Stanley Smith Barney LLC, insurance products are offered in conjunction with Morgan Stanley Insurance Services Inc. For clients whose account is carried by Citigroup Global Markets Inc., Morgan Stanley Smith Barney offers insurance products in conjunction with SBHU Life Agency, Inc.

Since life, long-term card, and disability income insurance are medically underwritten, clients should not cancel their current policy(ies) until their new policy is in force. A change to their current policy may incur charges, fees, and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. Clients should consult with their own tax advisors regarding their potential tax liability on surrenders.

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For an Investment Plan as unique as your needs, click on Request an Appointment or call me.
An individually managed account is a customized portfolio primarily of stocks and/or bonds, and cash, that employs the services of a professional portfolio manager.

This 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.

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*Includes years at Smith Barney, affiliates and predecessor firms.

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and CFP (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA, Certified Investment Management Analyst (with graph element)®, and Certified Investment Management Analyst.