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Spooner Group at Morgan Stanley
May 19, 2020 | Freya Allen Shoffner, Esquire | Main Office

Spooner Group at Morgan Stanley

QUARTERLY MEMO
TO CLIENTS AND FRIENDS
SPRING 2020.*
© Morgan Stanley Smith Barney LLC. Member SIPC.

This is long. So please be patient.
I've written these quarterly memos for many years, in good times and bad, in bull markets and bear markets. In all the panics I've worked in and through, each time,commentators have trumpeted that society would be changed dramatically and perhaps forever.
This time is different. Because every corner of American life will be transformed. In many cases however, the changes may very well be beneficial and transformative in positive ways. Before we get to those many changes, let me back up a bit and talk about previous
panics that I've observed...

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Freya Allen Shoffner, Esquire featured Professional Speaker, Presenter, Professor.
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*The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley
Wealth Management or its affiliates. All opinions are subject to change without notice. Neither the information
provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past
performance is no guarantee of future results.
The Dow Jones Industrial Average is a price-weighted average of 30 blue-chip stocks that are generally the leaders in
their industry. An investment cannot be made directly in a market index.
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