Leigh J. Parks
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(251) 470-1066(251) 470-1066
5 Rivers Group at Morgan Stanley
Direct:
(251) 470-1072(251) 470-1072
Toll-Free:
(855) 347-5823(855) 347-5823
Our Mission Statement
We help our clients achieve financial independence through a disciplined wealth management approach. Our commitment to an individualized service model ensures that each client receives tailored strategies aligned with their unique goals and values.
Helping You Plan Today for the Lifestyle You and Your Family Want Tomorrow
What keeps you up at night? Do you have the confidence that your retirement income will sustain you for the rest of your life? Do you wonder about your children or grandchildren? Will they be able to fulfill their American Dream as successfully as you have?
5 Rivers Group at Morgan Stanley is a multi-generational team, who share one characteristic ~ a passion for helping clients work towards their financial goals; the confidence that comes from knowing you have a comprehensive financial plan tailored specifically to you and your family. We take the time to understand who you are as a person and an investor as well as the financial aspirations you hold for yourself and your family.
5 Rivers, 5 Professionals, 1 Goal
The name of our team reflects our affection for where we were born, raised and continue to live. It also represents a confluence of multi-generational professionals, each with a different skillset, different perspective, and different personality, creating something greater than the sum of its parts, not dissimilar to the five rivers of our region that each add fresh water to the vastness of the Mobile Bay.
Our team works collectively to help bring you one step closer to financial security. We set you on track to help you retire with confidence. We strive to calm the matters that keep you up at night. We work hard to bring you the confidence that comes with knowing your next generation is in good hands, and on their way towards their own American Dream. Our team helps you build a plan you can follow, helping you make informed, confident decisions in today's complex financial markets.
5 Rivers Group at Morgan Stanley is a multi-generational team, who share one characteristic ~ a passion for helping clients work towards their financial goals; the confidence that comes from knowing you have a comprehensive financial plan tailored specifically to you and your family. We take the time to understand who you are as a person and an investor as well as the financial aspirations you hold for yourself and your family.
5 Rivers, 5 Professionals, 1 Goal
The name of our team reflects our affection for where we were born, raised and continue to live. It also represents a confluence of multi-generational professionals, each with a different skillset, different perspective, and different personality, creating something greater than the sum of its parts, not dissimilar to the five rivers of our region that each add fresh water to the vastness of the Mobile Bay.
Our team works collectively to help bring you one step closer to financial security. We set you on track to help you retire with confidence. We strive to calm the matters that keep you up at night. We work hard to bring you the confidence that comes with knowing your next generation is in good hands, and on their way towards their own American Dream. Our team helps you build a plan you can follow, helping you make informed, confident decisions in today's complex financial markets.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who do we work with?
Our passion for our clients and their success is the cornerstone of our practice. We come to work every day engaged in making a difference, with every decision focused on doing the right thing for our clients, custom-tailored to their specific situation.
Our clients include:
1) Affluent individuals seeking financial guidance to help them be able to retire comfortably
2) Multigenerational families hoping to preserve, grow, and transfer their wealth to the next generation without excessive taxes or family conflict
3) Business owners striving to attract and retain talented employees with attractive retirement and deferred compensation plans
4) Widowed and divorced individuals seeking to rebuild their lives and regain their financial equilibrium
5) Retirees seeking solutions to keep them from outliving their money
2) Multigenerational families hoping to preserve, grow, and transfer their wealth to the next generation without excessive taxes or family conflict
3) Business owners striving to attract and retain talented employees with attractive retirement and deferred compensation plans
4) Widowed and divorced individuals seeking to rebuild their lives and regain their financial equilibrium
5) Retirees seeking solutions to keep them from outliving their money
Take a look into our detailed process
We take a boutique-style approach to our service platform which is customized to meet your specific needs and preferences. All of us at the 5 Rivers Group take great pride in the service we provide our clients, and we are as dedicated to our individualized service model as we are to our wealth management and investment approach.
Discovery
1) Our process begins with in depth conversations. We learn all about you, your dreams, values, risk tolerance and other factors that will influence the plan we develop for you.
Plan Formulation
2) We use your input to create a holistic plan that is customized with recommendation specific to you and go beyond just your investments. We encompass both sides of your personal balance sheet and every aspect of your financial life. Every new client gets a new financial plan, and a custom portfolio is created from there.
Plan Implementation
3) We create a custom strategy for you that is process driven, not product driven. Morgan Stanley's vast resources enable us to access professionals in disciplines as varied as private banking, insurance, and estate planning to address any needs your plan uncovers.
Monitoring and Evaluation:
4) As you would expect, we believe that ongoing communication and strategy meetings are a vital component of our business. As you move through the different stages of your financial life, your financial needs change but we remain a constant, providing viable solutions that fit you and your goals. We diligently monitor your plan and portfolio to help make certain your assets are positioned to meet your changing circumstances, as well as fluctuating market conditions. With clarity and transparency comes confidence.
Valuable Resources
Our comprehensive suite of digital resources are designed to help enhance every aspect of your financial life. These resources are meant to transform complex financial analysis and research into concise and easily digestible content.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Check out the latest report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Check out the latest report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check out the latest episode
A Parent's Guide to Talking to Your Kids About Money
Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.
Click here for more
You Can't Manage Portfolio Risk Without Seeing The Big Picture
What if there were a resource that could show you where your investment exposures are and how they might affect your returns in different scenarios?
Click here for more
6 Money Questions to Ask Your Partner Before You Commit
Thinking of taking the next step with someone special? Head off money headaches by talking about your finances first.
Click here for more
What's Your Relationship with Wealth
Before engaging in family wealth-planning conversations, you may want to examine your own feelings and attitudes about wealth. Here are some questions you can ask yourself.
Click here for more
Innovative Ways to Pay for Education
A 529 plan is a great way to invest for future education costs, but there are also other options to raise the funds you need.
Click here for more
Top 5 Mistakes Investors Make in a Market Sell-Off
Whether it is panic selling, hiding out in cash, or trading frantically during volatile markets, investors tend to make several mistakes that can hurt them long-term. Know how to spot—and avoid—the most common bad behaviors.
Click here for more
Stock Market Outlook: Reasons for Optimism
What will 2023 bring for stocks? Investment Management’s Andrew Slimmon says the first half could surprise to the upside and to watch value stocks and Asia ex-Japan for opportunities.
Click here for moreDigital Resources
Here at 5 Rivers Group, we utilize the Modern Wealth Tools that Morgan Stanley provides to enhance our client's financial goals. Below are some of the resources we use every day to provide you with the best level of service.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that clients can take advantage of. Read more below on what some of these advantages are.
Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Total Wealth View
Portfolio Risk Platform (Aladdin)
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative tool used by several of the world's largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Manage Your Risk
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
View Digital Vault
CashPlus Brokerage Account
The many associated benefits including, the exclusivity of the account, ability to get cash at banks, ATM fee waivers, double FDIC coverage via our two FDIC insured banks (MSPBNA and MSBNA), Platinum American Express, Identity and Credit Protection from Experian and more.
CashPlus VideoLocation
11 N Water St
Suite 16290
Mobile, AL 36602
US
Direct:
(251) 470-1072(251) 470-1072
Toll-Free:
(855) 347-5823(855) 347-5823
Meet 5 Rivers Group
Paul A. Russell, CFP®, CRPS®
Executive Director, Wealth Management, Financial Advisor, Insurance Planning Director
Phone:
(251) 470-2302(251) 470-2302
Phone:
(251) 470-1084(251) 470-1084
Hayden Whetstone, CFP®
Financial Advisor
Phone:
(251) 470-1065(251) 470-1065
RaeAnn Stabler
Vice President, Wealth Management Associate
Phone:
(251) 470-1072(251) 470-1072
Kellie Eck
Portfolio Associate, Financial Planning Specialist
Phone:
(251) 470-1067(251) 470-1067
About Leigh J. Parks
Leigh J. Parks is a Senior Vice President and Financial Planning Specialist with the 5 Rivers Group. Leigh has built her career on a simple but powerful philosophy: listen well, understand deeply, and put clients first. Her ability to connect on a personal level has been the cornerstone of her success, helping clients navigate their financial lives with clarity and confidence.
With a comprehensive approach, Leigh supports individuals and families through all stages of their financial journey. She takes time to understand each client’s unique needs and goals, then designs customized strategies to help turn their vision into reality. Her process is thoughtful, organized, and grounded in the belief that every financial plan should empower people to live out their dreams.
Leigh is equally passionate about giving back to her community. She serves on the board of Big Brothers Big Sisters of the Central Gulf Coast and is actively involved with numerous philanthropic organizations, including the United Way of South Alabama Women’s Initiative, Campus Crusade for Christ, Heart of Orlando Younglife. She also supports One Purse in Orlando, Florida, which helps survivors of sex trafficking rebuild their lives, and is a patron of the arts through her involvement Dr. Phillips Center for the Performing Arts in Orlando. Leigh is also a member of the Towns Around Biloxi Parrothead Club, supporting the PHIP Foundation and local community efforts.
When she’s not working, Leigh enjoys spending time at her second home in Orlando with her grandchildren, keeping active at Orange Theory, and attending live music events and Broadway productions.
With a comprehensive approach, Leigh supports individuals and families through all stages of their financial journey. She takes time to understand each client’s unique needs and goals, then designs customized strategies to help turn their vision into reality. Her process is thoughtful, organized, and grounded in the belief that every financial plan should empower people to live out their dreams.
Leigh is equally passionate about giving back to her community. She serves on the board of Big Brothers Big Sisters of the Central Gulf Coast and is actively involved with numerous philanthropic organizations, including the United Way of South Alabama Women’s Initiative, Campus Crusade for Christ, Heart of Orlando Younglife. She also supports One Purse in Orlando, Florida, which helps survivors of sex trafficking rebuild their lives, and is a patron of the arts through her involvement Dr. Phillips Center for the Performing Arts in Orlando. Leigh is also a member of the Towns Around Biloxi Parrothead Club, supporting the PHIP Foundation and local community efforts.
When she’s not working, Leigh enjoys spending time at her second home in Orlando with her grandchildren, keeping active at Orange Theory, and attending live music events and Broadway productions.
Securities Agent: MD, WI, VA, AK, SC, OR, NH, MS, LA, IL, GA, DC, AL, TX, TN, OH, MN, KS, ID, CA, NC, WY, CO, AZ, FL, AR, WA, MA, NM, MT, CT, NY, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1265318
NMLS#: 1265318
About Paul A. Russell
Paul Russell is an Executive Director with 5 Rivers Group at Morgan Stanley. He specializes in helping clients define and pursue their financial goals through comprehensive financial planning, portfolio construction, investment selection, and risk management strategies, including insurance solutions.
Paul earned a Bachelor of Science degree in Commerce and Business Administration with a major in Finance from the University of Alabama in 1991. He began his career as a financial advisor in 1992 with a regional investment firm, joined Morgan Stanley in 2009, and was instrumental in the founding of 5 Rivers Group in 2015.
He is a CERTIFIED FINANCIAL PLANNER™ professional and has also earned the Chartered Retirement Plan Specialist SM designation from the College for Financial Planning and the Insurance Planning Director designation from Morgan Stanley.
Paul and his wife, Kelsey, reside in Mobile, Alabama, and are proud parents of three grown sons—William, Lawler, and Matt. He is an active member of the Rotary Club of Mobile, the Red Elephant Club of Mobile, and other local civic and social organizations. Outside of work, Paul enjoys tennis, fishing, hunting, and playing guitar.
Paul earned a Bachelor of Science degree in Commerce and Business Administration with a major in Finance from the University of Alabama in 1991. He began his career as a financial advisor in 1992 with a regional investment firm, joined Morgan Stanley in 2009, and was instrumental in the founding of 5 Rivers Group in 2015.
He is a CERTIFIED FINANCIAL PLANNER™ professional and has also earned the Chartered Retirement Plan Specialist SM designation from the College for Financial Planning and the Insurance Planning Director designation from Morgan Stanley.
Paul and his wife, Kelsey, reside in Mobile, Alabama, and are proud parents of three grown sons—William, Lawler, and Matt. He is an active member of the Rotary Club of Mobile, the Red Elephant Club of Mobile, and other local civic and social organizations. Outside of work, Paul enjoys tennis, fishing, hunting, and playing guitar.
Securities Agent: NM, DC, WY, MD, CA, WI, OR, MI, KS, FL, CT, AZ, WA, AL, TN, NC, AK, VA, NH, LA, IL, AR, MA, TX, SC, OH, NY, MT, MN, CO, MS, ID, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278953
NMLS#: 1278953
About Selena Hemphill
With over two decades of experience in the financial services industry, Selena Hemphill is dedicated to helping clients feel confident and informed about their financial decisions. Her approach centers on building strong, trusting relationships and crafting personalized strategies to support each client’s long-term goals.
Selena began her career in 1999 and joined Morgan Stanley in 2002. She has gained experience across branch operations, team support, and service management before transitioning to her current role as a financial advisor—where she is able to combine her technical experience with her passion for education and client service.
Selena earned her graduate degree in Consumer Sciences with a concentration in Financial Planning from the University of Alabama. She is a CERTIFIED FINANCIAL PLANNER® professional, committed to upholding the highest standards of financial planning.
Outside of her professional life, Selena is deeply rooted in her faith, family, and community. Her husband, a retired member of the United States Coast Guard, and their two children—a high school-aged son and a daughter attending the University of South Alabama—are her greatest joy. Selena loves traveling with her family, playing tennis, and actively serving in her community through volunteer work. She also supports several charities that are personally meaningful to her, reflecting her belief in making a difference where it matters most.
NMLS# 2452730
Selena began her career in 1999 and joined Morgan Stanley in 2002. She has gained experience across branch operations, team support, and service management before transitioning to her current role as a financial advisor—where she is able to combine her technical experience with her passion for education and client service.
Selena earned her graduate degree in Consumer Sciences with a concentration in Financial Planning from the University of Alabama. She is a CERTIFIED FINANCIAL PLANNER® professional, committed to upholding the highest standards of financial planning.
Outside of her professional life, Selena is deeply rooted in her faith, family, and community. Her husband, a retired member of the United States Coast Guard, and their two children—a high school-aged son and a daughter attending the University of South Alabama—are her greatest joy. Selena loves traveling with her family, playing tennis, and actively serving in her community through volunteer work. She also supports several charities that are personally meaningful to her, reflecting her belief in making a difference where it matters most.
NMLS# 2452730
Securities Agent: CT, FL, OR, DC, CO, VA, TN, LA, AR, TX, SC, MT, MD, OH, NC, ID, MS, MN, GA, AZ, AL, NM, IL, MA, NH, MI, WY, NY, CA, AK, WI, WA, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2452730
NMLS#: 2452730
About Hayden Whetstone
Hayden is a dedicated financial professional who brings both technical expertise and real-world experience to the table, helping clients make informed, confident decisions about their financial future. With a strong background in financial planning and investment strategy, Hayden takes pride in building long-term relationships based on trust, transparency, and results.
As a native of Mobile and a graduate of Murphy High School, Hayden understands the values and priorities of the families and professionals he serves. He earned his undergraduate degree from the Virginia Military Institute and went on to serve as an Infantry Officer in the United States Army, where he developed a deep commitment to discipline, integrity, and service—qualities that continue to shape his approach to financial advising.
To strengthen his expertise, Hayden completed a Master of Science in Financial Planning from the University of Alabama and earned the CERTIFIED FINANCIAL PLANNER™ designation, the gold standard in financial planning. Whether you're planning for retirement, building your wealth, or navigating a major life transition, Hayden offers thoughtful, personalized guidance every step of the way.
Outside the office, Hayden continues his service in the United States Army Reserve and is actively involved in civic organizations throughout Mobile. He and his wife Anna are proud to raise their daughter, Hudson Grace, in midtown Mobile alongside their two British Labradors, Mattie and Trooper.
When you work with Hayden, you’re not just getting financial advice—you’re gaining a partner who’s committed to helping you achieve peace of mind and long-term success.
As a native of Mobile and a graduate of Murphy High School, Hayden understands the values and priorities of the families and professionals he serves. He earned his undergraduate degree from the Virginia Military Institute and went on to serve as an Infantry Officer in the United States Army, where he developed a deep commitment to discipline, integrity, and service—qualities that continue to shape his approach to financial advising.
To strengthen his expertise, Hayden completed a Master of Science in Financial Planning from the University of Alabama and earned the CERTIFIED FINANCIAL PLANNER™ designation, the gold standard in financial planning. Whether you're planning for retirement, building your wealth, or navigating a major life transition, Hayden offers thoughtful, personalized guidance every step of the way.
Outside the office, Hayden continues his service in the United States Army Reserve and is actively involved in civic organizations throughout Mobile. He and his wife Anna are proud to raise their daughter, Hudson Grace, in midtown Mobile alongside their two British Labradors, Mattie and Trooper.
When you work with Hayden, you’re not just getting financial advice—you’re gaining a partner who’s committed to helping you achieve peace of mind and long-term success.
Securities Agent: AK, AR, NY, MS, AL, TN, SC, OH, MD, LA, IL, ID, TX, NM, MN, NC, DC, OR, KS, CO, MA, MT, CT, WY, WA, GA, FL, CA, WI, NH, VA, AZ, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 2368670
NMLS#: 2368670
About RaeAnn Stabler
RaeAnn is a Vice President and Wealth Management Associate. She joined Morgan Stanley in 1994. During her tenure with the firm, she has held many positions Registered Client Service Associate, Senior Complex Service Manager and a Legal Department Associate to name a few.
She joined 5 Rivers Group in 2013. Her experience and knowledge of the industry makes her valuable in giving our client’s world– class service, taking the time to get to know each one on a more personal level.
RaeAnn is a graduate of Mississippi State University with a B.S. in Accounting. She has her Series 7, 8, 65, 66 and insurance license. She is a member of Big Brothers Big Sisters of the Central Gulf Coast and a lifetime member of Thomas Hospital’s Auxiliary.
Outside of the office, she enjoys spending time with her husband, Rick, their children and eight grandchildren. She also enjoys cooking, reading and walking.
She joined 5 Rivers Group in 2013. Her experience and knowledge of the industry makes her valuable in giving our client’s world– class service, taking the time to get to know each one on a more personal level.
RaeAnn is a graduate of Mississippi State University with a B.S. in Accounting. She has her Series 7, 8, 65, 66 and insurance license. She is a member of Big Brothers Big Sisters of the Central Gulf Coast and a lifetime member of Thomas Hospital’s Auxiliary.
Outside of the office, she enjoys spending time with her husband, Rick, their children and eight grandchildren. She also enjoys cooking, reading and walking.
About Kellie Eck
Kellie is a Portfolio Associate and Financial Planning Specialist at the firm. She joined Morgan Stanley and the financial services industry in 2019. Prior to this role, Kellie spent 20 years in the technology field and uses those skills to assist clients when using the digital platforms. Her technology experience makes her a valuable resource when adapting clients to the new way of doing business.
Kellie is a graduate of the University of South Alabama in Computer and Information Sciences and obtains her Series 7 and Series 66 licenses. She is married with two children and enjoys watching them play sports and taking many family trips throughout the year.
Kellie is a graduate of the University of South Alabama in Computer and Information Sciences and obtains her Series 7 and Series 66 licenses. She is married with two children and enjoys watching them play sports and taking many family trips throughout the year.
Contact Leigh J. Parks
Contact Paul A. Russell
Contact Selena Hemphill
Contact Hayden Whetstone
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529 Plans: A Powerful Tool to Save for Education
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Financial Planning for Life After Selling a Business
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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. 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. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. 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. 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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. 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. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. 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. 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. 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.
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 AGENCY
5When 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. 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. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. 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. 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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. 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. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. 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. 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.
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The 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.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
