Adam J. Hall, CFP®
Financial Advisor, Global Sports & Entertainment Associate Director, Workplace Advisor - Equity Compensation, Institutional Consultant, Government Entity Specialist, CERTIFIED FINANCIAL PLANNER™
Phone:
(813) 227-2127(813) 227-2127
Adam J. Hall, CFP®, QPFC
Financial Advisor,
Global Sports and Entertainment Associate Director,
Workplace Advisor - Equity Compensation,
Institutional Consultant,
Government Entity Specialist,
CERTIFIED FINANCIAL PLANNER®,
Qualified Plan Financial Consultant
Direct:
(813) 227-2127(813) 227-2127
Industry Award WinnerMy Mission Statement
Leveraging Morgan Stanley’s global resources, technology, and intellectual capital to deliver a world class Wealth Management experience that efficiently advances our clients toward their investing goals.
Welcome!
Adam is a Financial Advisor with The Graystone Consulting Tampa team at Morgan Stanley and holds the Series 7 & 66 Licenses as well as the 215 Insurance License for Life, Health, and Variable Annuities. Adam has also earned the CERTIFIED FINANCIAL PLANNER™ certification and focuses on comprehensive goals-based financial planning, career transition & retirement planning, and estate planning strategies.
As a Workplace Advisor with a specialty in Equity Compensation, Adam helps analyze equity compensation strategies for Restricted Stock, Stock Units, Stock Options, Stock Appreciation Rights, and Employee Stock Purchase Plans.
Adam is also a Qualified Plan Financial Consultant (QPFC) who focuses on the design, implementation, and administration of qualified retirement plans for businesses and organizations. The QPFC designation represents experience in retirement plan regulations, investment strategies, and employee education.
By utilizing the full global resources of Morgan Stanley, Adam is able to leverage technology and intellectual capital to help clients achieve their goals. He evaluates and tailors each scenario based on client risk tolerance, investment objectives and time horizon. Process segments include portfolio risk & volatility analysis, diversifying concentrated or appreciated stock positions, customizing asset allocations, investment manager research and tax efficient investing.
Adam enjoys building strong client relationships based on a foundation of trust and communication. With a unique personalized service model, his team delivers a world class Wealth Management experience designed to encompass all needs of clients.
As a Workplace Advisor with a specialty in Equity Compensation, Adam helps analyze equity compensation strategies for Restricted Stock, Stock Units, Stock Options, Stock Appreciation Rights, and Employee Stock Purchase Plans.
Adam is also a Qualified Plan Financial Consultant (QPFC) who focuses on the design, implementation, and administration of qualified retirement plans for businesses and organizations. The QPFC designation represents experience in retirement plan regulations, investment strategies, and employee education.
By utilizing the full global resources of Morgan Stanley, Adam is able to leverage technology and intellectual capital to help clients achieve their goals. He evaluates and tailors each scenario based on client risk tolerance, investment objectives and time horizon. Process segments include portfolio risk & volatility analysis, diversifying concentrated or appreciated stock positions, customizing asset allocations, investment manager research and tax efficient investing.
Adam enjoys building strong client relationships based on a foundation of trust and communication. With a unique personalized service model, his team delivers a world class Wealth Management experience designed to encompass all needs of clients.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- 529 PlansFootnote3
- UGMA/UTMAFootnote4
- 401(k) Rollovers
- Endowments and FoundationsFootnote5
- Trust AccountsFootnote6
- Stock Plan ServicesFootnote7
- Stock Option PlansFootnote8
- Cash Management and Lending ProductsFootnote9
- AnnuitiesFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Donor Advised Funds
- Foreign ExchangeFootnote13
- Fixed IncomeFootnote14
- Municipal BondsFootnote15
- Corporate BondsFootnote16
- Certificates of DepositFootnote17
- Alternative InvestmentsFootnote18
- Divorce Financial AnalysisFootnote19
- Retirement PlanningFootnote20
- Planning for Education FundingFootnote21
- Estate Planning StrategiesFootnote22
- Corporate Retirement PlansFootnote23
Securities Agent: WY, NM, FL, DC, SD, MO, KY, AR, WA, VA, PA, NY, UT, MN, MA, DE, AZ, TN, OK, ND, ME, IN, MS, LA, CA, WI, VT, RI, NJ, GA, CO, AL, WV, SC, NV, TX, OH, IA, CT, OR, NC, MI, MD, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1785350
CA Insurance License #: 4047050
NMLS#: 1785350
CA Insurance License #: 4047050
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Digital Tools
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Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning ToolsArticles
As a former professional athlete, I know the importance of having a trusted advisor to help prepare you for your future. As a Financial Advisor, I have the tools to help make your dreams a reality. Below are articles from the Global Sports and Entertainment division that I find interesting and helpful.
Financial Solutions for Prospective Pros
GSE offers lending options through Morgan Stanley Commercial Financial Services LLC to help athletes navigate their path to their first signing bonus or professional paycheck.
Click here to read more
Manage Your Cybersecurity Like a Pro
While you might want to emulate an all-star player on the field, it's just as important to handle your cybersecurity like a seasoned professional.
Click here to read more
Build a Dream Team For Your Career
Assembling a team of trusted professionals to manage your career—and your money—is essential to help put you in the best position to thrive. Here’s how to do it.
Click here to read more
The Path from Athlete to Entrepreneur
Many athletes think about what they’ll do after sports, some choosing to become entrepreneurs. Learn how a trusted Financial Advisor can help plan for success.
Click here to read more
Equity Endorsement Deals: Tips for Pros
Star athletes and entertainers are now inking endorsement deals that include equity compensation. Here’s what to consider when determining whether this approach makes sense for you.
Click here to read more
Forbes: Adam Hall's Work Ethic During Lengthy NHL Career Is Serving Him Well As A Financial Adviser
Click Here To Read ArticleTampa Bay Lightning - Life After Hockey: Adam Hall
Click Here To Read ArticlePhiladelphia Flyers - Where Are They Now: Adam Hall
Click Here To Read ArticleUSA Hockey: Adam Hall Carries Work Ethic, Hockey Memories into Finance Career
Click Here To Read ArticlePress Release: Adam Hall Receives Global Sports and Entertainment Associate Director Designation
Click Here To Read ArticlePress Release: Adam Hall Earns Designation of Workplace Advisor – Equity Compensation at Morgan Stanley
Click Here To Read ArticlePress Release: Adam J. Hall Receives CERTIFIED FINANCIAL PLANNER Certification
Click Here To Read ArticleLeadership
Recognized for his leadership, Adam has served on multiple groups & committees throughout his career. He was elected by his peers to serve as an Executive Board Member of the NHL Players Association during Collective Bargaining Agreement negotiations with the NHL. He has spoken at Players’ Association conferences and mentors MBA students as part of The University of Tampa’s Lowth Entrepreneurship Center, Entrepreneurs-In-Residence Program. He is an active member of the Michigan State Alumni Association, USA Hockey Alumni and NHL Alumni Association.
Community Involvement
His belief in giving back to the community and helping others led Adam to get involved with numerous charitable initiatives across the country and also locally in the Tampa Bay/St. Petersburg region including the Tampa Bay Lightning Foundation, Garth Brooks’ Teammates for Kids Foundation and the National Pediatric Cancer Foundation. He is currently on the Board of Directors for After-School All-Stars and the Advisory Board for The First Tee of Tampa Bay.
Location
100 N Tampa St
Ste 3000
Tampa, FL 33602
US
Direct:
(813) 227-2127(813) 227-2127
Fax:
(813) 283-9494(813) 283-9494
Meet My Team
About Adam J. Hall
Adam is a Financial Advisor with Morgan Stanley and holds the Series 7 & 66 Licenses as well as the 215 Insurance License for Life, Health, and Variable Annuities. Adam has earned the CERTIFIED FINANCIAL PLANNER™ certification and focuses on comprehensive goals-based financial planning, career transition & retirement planning, and estate planning strategies. Segments of his process include portfolio risk & volatility analysis, diversifying concentrated or appreciated stock positions, customizing asset allocations, investment manager research, and tax efficient investing. As a Workplace Advisor with a specialty in Equity Compensation, Adam helps analyze equity compensation strategies for Restricted Stock, Stock Units, Stock Options, Stock Appreciation Rights, and Employee Stock Purchase Plans.
Adam joined the firm in 2018 after a 15-year professional hockey career. Originally from Kalamazoo, Michigan, Adam graduated from Ann Arbor Pioneer High School while playing Ice Hockey for Team USA. He continued on to play all four years at Michigan State University, where he earned his Bachelor’s Degree in Finance. Adam was drafted 2nd Round, 52nd overall, in the 1999 National Hockey League draft by the Nashville Predators. He went on to play for six other teams in the NHL including the New York Rangers, Minnesota Wild, Pittsburgh Penguins, Tampa Bay Lightning, Carolina Hurricanes and Philadelphia Flyers. During that time, Adam was selected to play for Team USA during 5 World Championships. He also played in Finland, Germany and Switzerland in addition to numerous other countries around the world.
Adam has served as an Executive Board Member of the NHL Players Association during Collective Bargaining Agreement negotiations with the NHL. He has spoken at Players’ Association conferences and mentored MBA students. He is an active member of the Michigan State Alumni Association, USA Hockey Alumni and NHL Alumni Association. Adam is involved with numerous charitable initiatives across the country and also locally in the Tampa Bay region. He is currently on the Board of Directors for After-School All-Stars and the Advisory Board for The First Tee of Tampa Bay. Adam enjoys all sports, golfing, fishing, tennis and traveling. He resides in Tampa, Florida with his wife and their two children.
Securities Agent: AL, KY, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1785350
Adam joined the firm in 2018 after a 15-year professional hockey career. Originally from Kalamazoo, Michigan, Adam graduated from Ann Arbor Pioneer High School while playing Ice Hockey for Team USA. He continued on to play all four years at Michigan State University, where he earned his Bachelor’s Degree in Finance. Adam was drafted 2nd Round, 52nd overall, in the 1999 National Hockey League draft by the Nashville Predators. He went on to play for six other teams in the NHL including the New York Rangers, Minnesota Wild, Pittsburgh Penguins, Tampa Bay Lightning, Carolina Hurricanes and Philadelphia Flyers. During that time, Adam was selected to play for Team USA during 5 World Championships. He also played in Finland, Germany and Switzerland in addition to numerous other countries around the world.
Adam has served as an Executive Board Member of the NHL Players Association during Collective Bargaining Agreement negotiations with the NHL. He has spoken at Players’ Association conferences and mentored MBA students. He is an active member of the Michigan State Alumni Association, USA Hockey Alumni and NHL Alumni Association. Adam is involved with numerous charitable initiatives across the country and also locally in the Tampa Bay region. He is currently on the Board of Directors for After-School All-Stars and the Advisory Board for The First Tee of Tampa Bay. Adam enjoys all sports, golfing, fishing, tennis and traveling. He resides in Tampa, Florida with his wife and their two children.
Securities Agent: AL, KY, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1785350
Securities Agent: WY, NM, FL, DC, SD, MO, KY, AR, WA, VA, PA, NY, UT, MN, MA, DE, AZ, TN, OK, ND, ME, IN, MS, LA, CA, WI, VT, RI, NJ, GA, CO, AL, WV, SC, NV, TX, OH, IA, CT, OR, NC, MI, MD, IL; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 4047050
CA Insurance License #: 4047050
Awards and Recognition
Barron's Top 100 Institutional Consulting Teams
Barron's Top 100 Institutional Consulting Teams Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Wealth Management
Global Investment Office
Portfolio Insights
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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
Rational Investing in an Age of Uncertainty
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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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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
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Adam J. Hall today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan 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
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
17Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
18Alternative 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.
19Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients 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.
20When 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.
21When 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.
22Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
23When 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan 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
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
17Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
18Alternative 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.
19Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients 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.
20When 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.
21When 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.
22Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
23When 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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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
