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. We are dedicated to our wealth management and investment approach as well as our individualized service model.
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
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 is a Senior Vice President and Financial Planning Specialist with the 5 Rivers group based out of Mobile, Alabama. After attending the University of Alabama, Leigh was determined to help folks become financially independent. Leigh’s approach to this was quite simple, become a great listener and understand your clients on a deeper level. These core values have helped Leigh excel in her role and develop meaningful relationships over time.
Leigh’s focus is on helping new and existing clients with all phases of their financial lives. She uses an organized, systematic approach to understanding your needs and goals, and customizes a unique portfolio. Every plan is designed to put you on the path to reach the goals you envisioned and live put your dream.
Leigh’s commitment to her community can be shown in a multitude of ways. Leigh sits on the board for the Big Sisters of South Alabama and is also an active member of numerous charitable organizations including the United Way of South Alabama Women's Initiative as well as the University of Alabama Alumni Organization Nationally and in Baldwin County. She is a strong supporter of One Purse Orlando Florida which empowers survivors of sex trafficking to build healthy and sustainable lives. In addition, she supports the arts - Friends of the Saenger Theatre in Mobile, Alabama and Dr. Phillips Performing Arts in Orlando, Florida. Lastly, Leigh is a member of Lake Baldwin Church in Orlando, Florida, and a member of 2 Parrothead groups in the community supporting the PHIP Foundation.
Outside of work, Leigh enjoys spending time at the beach and vacationing to tropical areas. Leigh also likes to attend concerts and Broadway shows.
Leigh’s focus is on helping new and existing clients with all phases of their financial lives. She uses an organized, systematic approach to understanding your needs and goals, and customizes a unique portfolio. Every plan is designed to put you on the path to reach the goals you envisioned and live put your dream.
Leigh’s commitment to her community can be shown in a multitude of ways. Leigh sits on the board for the Big Sisters of South Alabama and is also an active member of numerous charitable organizations including the United Way of South Alabama Women's Initiative as well as the University of Alabama Alumni Organization Nationally and in Baldwin County. She is a strong supporter of One Purse Orlando Florida which empowers survivors of sex trafficking to build healthy and sustainable lives. In addition, she supports the arts - Friends of the Saenger Theatre in Mobile, Alabama and Dr. Phillips Performing Arts in Orlando, Florida. Lastly, Leigh is a member of Lake Baldwin Church in Orlando, Florida, and a member of 2 Parrothead groups in the community supporting the PHIP Foundation.
Outside of work, Leigh enjoys spending time at the beach and vacationing to tropical areas. Leigh also likes to attend concerts and Broadway shows.
Securities Agent: NH, MS, AK, LA, IL, GA, DC, AL, TX, TN, OH, MN, KS, ID, CA, NC, WY, CO, AZ, FL, AR, WA, OR, NM, MT, CT, NY, MI, MD, WI, VA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1265318
NMLS#: 1265318
About Paul A. Russell
Our mission is to develop a comprehensive understanding of each client's ambitions, liquidity needs, time horizon and risk tolerance in order to design and implement a personalized investment strategy to help them achieve their financial objectives.
Our clients include high net worth individuals and families as well as private businesses and corporate retirement plans.
My career as a financial advisor began in 1992 when I took a position with a regional investment firm. In 2009, I decided to join Morgan Stanley Wealth Management to utilize the extensive capabilities and resources available within the firm. I am CERTIFIED FINANCIAL PLANNER™ professional and a Chartered Retirement Plans Specialist℠. Both designations were attained through The College for Financial Planning.
I volunteer my time working with Big Brothers Big Sisters of South Alabama, The Rotary Club of Mobile, as well as Gulf Coast Multiple Sclerosis Avengers. I am also an active member in The Rotary Club of Mobile, The Red Elephant Club of Mobile and various social organizations in the community.
My wife, Kelsey and I have three sons, William, Lawler and Matt. I enjoy tennis, guitar, fishing and running.
Areas of focus: 401(k) Rollovers, 529 Plans, Alternative Investments, Annuities, Asset Management, Estate Planning Strategies, Fixed Income, Life Insurance, Long Term Care Planning, Qualified Retirement Plans.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. 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.
Our clients include high net worth individuals and families as well as private businesses and corporate retirement plans.
My career as a financial advisor began in 1992 when I took a position with a regional investment firm. In 2009, I decided to join Morgan Stanley Wealth Management to utilize the extensive capabilities and resources available within the firm. I am CERTIFIED FINANCIAL PLANNER™ professional and a Chartered Retirement Plans Specialist℠. Both designations were attained through The College for Financial Planning.
I volunteer my time working with Big Brothers Big Sisters of South Alabama, The Rotary Club of Mobile, as well as Gulf Coast Multiple Sclerosis Avengers. I am also an active member in The Rotary Club of Mobile, The Red Elephant Club of Mobile and various social organizations in the community.
My wife, Kelsey and I have three sons, William, Lawler and Matt. I enjoy tennis, guitar, fishing and running.
Areas of focus: 401(k) Rollovers, 529 Plans, Alternative Investments, Annuities, Asset Management, Estate Planning Strategies, Fixed Income, Life Insurance, Long Term Care Planning, Qualified Retirement Plans.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. 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.
Securities Agent: FL, DC, WY, NM, MD, CA, WI, MI, KS, CT, AZ, WA, AL, TN, NC, AK, VA, NH, LA, IL, AR, OR, 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
Selena's goal is to help clients develop an increased comfort level. Understanding clients and developing strategies to best help them reach their financial goals has always been a passion for Selena.
Selena attended Faulkner University for Undergraduate while graduating with a degree in Business Administration. After her time at Faulkner, Selena attended the University of Alabama for her Postgraduate and earned a degree in Consumer Sciences with a focus on financial planning. In addition, Selena is also a certified financial planner.
Selena started in the industry in 1999 and joined Morgan Stanley in 2002. Over the years, Selena has worked in branch operations, team support and most recently service management. As an advisor, Selena has the opportunity to fulfill her passion and assist clients through education, offering solutions and making financial decisions.
NMLS# 2452730
Selena attended Faulkner University for Undergraduate while graduating with a degree in Business Administration. After her time at Faulkner, Selena attended the University of Alabama for her Postgraduate and earned a degree in Consumer Sciences with a focus on financial planning. In addition, Selena is also a certified financial planner.
Selena started in the industry in 1999 and joined Morgan Stanley in 2002. Over the years, Selena has worked in branch operations, team support and most recently service management. As an advisor, Selena has the opportunity to fulfill her passion and assist clients through education, offering solutions and making financial decisions.
NMLS# 2452730
Securities Agent: CT, FL, VA, TN, LA, AR, TX, SC, MT, MD, OH, NC, ID, MS, MN, GA, AZ, AL, NM, IL, DC, CO, OR, 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 brings a wealth of experience in financial planning and investment strategies. He is a Mobile native and a Graduate of Murphy High School. Upon graduation from the Virginia Military Institute (VMI), Hayden served as an Infantry Officer in the United States Army. He obtained his Master of Science in Financial Planning from the University of Alabama and has also earned the CFP® Certification. He and his wife, Anna, reside in Mobile with their one-year-old daughter, Hudson Grace, and two English Labradors, Mattie and Trooper. Outside of the office, Hayden remains active in the United States Army Reserve and various civic organizations.
Securities Agent: NH, AZ, AR, NY, VA, MS, AL, TN, SC, OH, MD, LA, IL, ID, AK, TX, NM, MN, NC, DC, KS, CO, OR, MT, CT, WY, WA, MI, GA, FL, CA, WI; 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
Wealth Management
From Our Team
How to Teach Your Kids About Money
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact 5 Rivers Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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
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 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.
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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)
