Associate Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Manager
Phone:
(602) 954-5756(602) 954-5756
Arcadia-Biltmore Group at Morgan Stanley
Direct:
(480) 922-7810(480) 922-7810
Toll-Free:
(800) 528-6083(800) 528-6083
Our Mission Statement
Our mission is to guide and support you on the path to your aspirations by providing expert financial planning and personalized strategies.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial planning is the roadmap to your financial future, helping you set goals and make informed decisions. Here's a look at my planning process and how we'll work together.
Step 1: Introduction
We begin with an informal discussion to understand your financial concerns and determine how we can add value. If you agree to move forward, we'll schedule our next meeting and request important financial information.
Step 2: Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We'll also review the documents you've prepared and define your priorities.
Step 3: Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow and preserve your wealth.
Step 4: Implementation
In this step, we'll present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we will initiate the investment recommendations and begin to implement the additional strategies we've discussed. These often encompass risk management and estate planning.
Step 5: Ongoing Service
Committed to premium service, our focus is on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. We acknowledge that markets and personal needs evolve over time, so we'll set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Awards and Designations
Our accolades showcase our commitment to your financial success.
Certified Financial Planner™ (CFP®)
The CFP® designation is awarded to advisors with skiled focus in the areas of Education, Investment, Tax, Retirement, Estate, and Insurance planning. Professionals with their CFP® must have years of experience in financial planning services and pass a comprehensive exam before they are awarded this designation. A CFP® is held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CLTC® Certification for Long-Term Care
The CLTC® Certification for Long-Term Care educates professionals in the fields of insurance, financial services, law and accounting about the severe consequences a need for care over an extended period of years would have, not on their client, but on the emotional, physical and financial wellbeing of those the client loves. The goal is to give these professionals the proper skill set to discuss those consequences, offer a plan to mitigate them, and when appropriate, recommend long-term care insurance as a funding source for that plan.
[Source: Certification For Long-Term Care (ltc-cltc.com)]
Accredited Domestic Partnership AdvisorSM - ADPA®
The Accredited Domestic Partnership AdvisorSM, or ADPA® program, is the only designation program of its kind that prepares financial professionals to address the unique planning needs specific to unmarried, coupled persons. This designation helps gain an understanding of how planning differences for domestic partners compared to legally married couples manifest themselves in the individual domains of financial planning.
[Source: Accredited Domestic Partnership Advisor | CFFP - A Kaplan Company (kaplanfinancial.com)]
Chartered Retirement Plans SpecialistSM - CRPS®
A Chartered Retirement Plans Specialist (CRPS®) designation is for professionals whose primary focus is the design and administration of retirement plans. CRPS holders can assist private and for-profit businesses as well as non-profit organizations and governmental bodies. They are knowledgeable about various types of plans, including 401(k) and SEP plans. And they can help make sure plans are set up and managed in compliance with the applicable regulations.
Check here for the latest events and seminars happening at Morgan Stanley.
Trump’s Next 100 Days and Beyond: Outlook for Institutional Investors
Join us on Wednesday, April 16th for a conversation hosted by Jeremy France, Head of Morgan Stanley Institutional Consulting Solutions, our panelists include: Lisa Shalett, Chair of the Global Investment Committee and Chief Investment Officer for Morgan Stanley Wealth Management and Monica Guerra, Head of US Policy for Morgan Stanley Wealth Management.
As President Donald Trump approaches his first 100 days in office, we'll take a closer look at the regulatory issues impacting institutions and the market outlook for institutions.
Please reach out if you are interested in attending
Time: 4:00 p.m. - 5:00 p.m. ET
Location: Virtual
LGBTQ+ Allies
The Arcadia-Biltmore Group at Morgan Stanley focuses on celebrating, assisting and engaging with the diverse LGBTQ+ Community in Arizona and throughout the country.
Money and Marriage for LGBTQ+ Couples: What to Know
Members of the LGBTQ+ Community can face unique financial considerations when tying the knot. With this checklist, we can help you plan for a financially secure life after saying "I do."
The Growing Demand for LGBTQ+ Investment Opportunities
A growing population of investors who openly identify or align with the LGBTQ+ community and generational shifts in wealth are creating opportunities for asset managers and financial advisors to meet demand for investments tailored to LGBTQ+ equity.
The Power of Pride
Like the community it supports, our networking group for LGBTQ+ employees and their supporters has come a long way in the 13+ years since it was launched.
Location
14850 N Scottsdale Rd
Suite 600
Scottsdale, AZ 85254
US
Direct:
(480) 922-7810(480) 922-7810
Toll-Free:
(800) 528-6083(800) 528-6083
Meet Arcadia-Biltmore Group
Phone:
(480) 922-7810(480) 922-7810
About Paul Malin
The first phase of Paul’s business life consisted of progressing roles in marketing and business development in medical companies. The companies included Pfizer, Baxter and Allergan. Paul has an MBA in the Key Executive Program from Pepperdine University in Malibu California and a Bachelor’s in English from Washington and Lee University in Lexington, Virginia. In 2012, he became a CFP® certificant and, since then, Paul has earned the Certified in Long-term Care (CLTC) and the Accredited Domestic Partnership AdvisorSM designations.
Paul has over thirty years of industry experience in medical industry. His progressive roles included instructor responsibilities in professional education courses for surgeons and management responsibilities that included participation in an IPO and presentations to investment bankers. Paul has had the pleasure to bring employees on board and regrettably, also participated in the reduction in force that meant separation from service. He has seen first-hand the emotional impact of unexpected disruptions that occur in life and guides his clients through these passages of time.
In his practice, Paul draws upon his combined life and professional experience to help guide clients through the many challenges that are part of the financial planning cycle, including:
• Diversification of a concentrated stock portfolio*
• Maximizing defined benefit plan options
• Advice in transitioning to a new job
• Healthcare planning issues
Paul believes in a holistic approach to personal finance – and is concerned with everything that could impact you. He is open to clients that are seeking a supportive relationship from their finance professionals.
Initial consultations are complimentary as we explore if we are a good fit for your needs.
*Diversification does not guarantee a profit or protect against loss in a declining financial market.
Paul has over thirty years of industry experience in medical industry. His progressive roles included instructor responsibilities in professional education courses for surgeons and management responsibilities that included participation in an IPO and presentations to investment bankers. Paul has had the pleasure to bring employees on board and regrettably, also participated in the reduction in force that meant separation from service. He has seen first-hand the emotional impact of unexpected disruptions that occur in life and guides his clients through these passages of time.
In his practice, Paul draws upon his combined life and professional experience to help guide clients through the many challenges that are part of the financial planning cycle, including:
• Diversification of a concentrated stock portfolio*
• Maximizing defined benefit plan options
• Advice in transitioning to a new job
• Healthcare planning issues
Paul believes in a holistic approach to personal finance – and is concerned with everything that could impact you. He is open to clients that are seeking a supportive relationship from their finance professionals.
Initial consultations are complimentary as we explore if we are a good fit for your needs.
*Diversification does not guarantee a profit or protect against loss in a declining financial market.
Securities Agent: AL, AZ, CA, CO, GA, IL, KS, LA, MA, MI, MN, MO, MT, NJ, NV, OR, SD, TX, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253248
CA Insurance License #: 0F79183
NMLS#: 1253248
CA Insurance License #: 0F79183
About Nick Hasselkus
With over 24 years as a financial professional, Nick helps clients define and strive to meet their financial goals by delivering a vast array of resources in the way that is most appropriate for how they wish to invest and what they want to achieve. Working together Nick can help you preserve and ultimately grow your wealth before retirement, then assist with various income needs throughout retirement. Under his direction, you will have access to some of the worlds most seasoned and respected investment managers, a premier trading and execution platform coupled with a full spectrum of investment choices. Areas of focus include:
• Retirement Planning
• Family Legacy Planning
• Estate Planning Strategies
• Trust Services
• College Planning
• Gifting
• Long-Term Care
• Insurance Planning
• Cash Management
• Lending Solutions
Working together alongside your other trusted advisors, such as Estate Planning Attorneys, Divorce Attorneys and Certified Public Accountants is the best way to help ensure/develop a comprehensive plan for your financial future.
On a personal note: Nick originally resided in Southern California and now makes his home in Scottsdale, Arizona since 1993. He is an active father of an outstanding college-bound daughter and in his free-time he enjoys traveling the world. Nick is an active member in the Harley-Davidson, Scuba Diving and Skiing communities. Over the years, he has trained and crossed the finish line of numerous Half/Full Marathons and Triathlons in various cities throughout the United States. Locally, he enjoys hiking the mountains here in the “Valley of the Sun” and the various social events Arizona has to offer every year. Before becoming a family-man, Nick was a uniformed volunteer with both the Los Angeles County Sheriff’s Department, as well as, the Maricopa County Sheriff’s Office until his career and family life filled the calendar!
• Retirement Planning
• Family Legacy Planning
• Estate Planning Strategies
• Trust Services
• College Planning
• Gifting
• Long-Term Care
• Insurance Planning
• Cash Management
• Lending Solutions
Working together alongside your other trusted advisors, such as Estate Planning Attorneys, Divorce Attorneys and Certified Public Accountants is the best way to help ensure/develop a comprehensive plan for your financial future.
On a personal note: Nick originally resided in Southern California and now makes his home in Scottsdale, Arizona since 1993. He is an active father of an outstanding college-bound daughter and in his free-time he enjoys traveling the world. Nick is an active member in the Harley-Davidson, Scuba Diving and Skiing communities. Over the years, he has trained and crossed the finish line of numerous Half/Full Marathons and Triathlons in various cities throughout the United States. Locally, he enjoys hiking the mountains here in the “Valley of the Sun” and the various social events Arizona has to offer every year. Before becoming a family-man, Nick was a uniformed volunteer with both the Los Angeles County Sheriff’s Department, as well as, the Maricopa County Sheriff’s Office until his career and family life filled the calendar!
Securities Agent: WV, MI, IN, GA, CA, VT, NV, TN, AZ, SD, OR, KS, NJ, DE, CO, TX, MN, AL, MO, IL, HI, FL, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1288243
NMLS#: 1288243
Contact Paul Malin
Contact Nick Hasselkus
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Nikki Ranck
Private Banker
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Arcadia-Biltmore 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
Morgan 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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Morgan 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
7Investors 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.
8Investors 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
Morgan 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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Morgan 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
7Investors 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.
8Investors 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
CRC 6491812 (04/2024)
