Maricris Felicidario
International Private Banker
Arturo Karakowsky, CFP®
Managing Director, Wealth Management,
Financial Advisor,
Family Wealth Director,
Alternative Investments Director,
International Client Advisor
Direct:
(713) 966-2139(713) 966-2139
Toll-Free:
(800) 666-6069(800) 666-6069
My Mission Statement
Customized investment and financial strategies for clients like you
Welcome
As your Financial Advisor, I 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 I can help you to preserve and grow your wealth. You will 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.
Arturo has been named to:
-Barron’s Top 250 Private Wealth Management Teams ranking
2024-2025 Barron’s Top 250 Private Wealth Management Teams ranking
Source: Barron's.com (Awarded May 2024 & May 2025) Data compiled by Barron's based on time period from Jan 2023-Dec 2023 & Jan 2024-Dec 2024.
Arturo has been named to:
-Barron’s Top 250 Private Wealth Management Teams ranking
2024-2025 Barron’s Top 250 Private Wealth Management Teams ranking
Source: Barron's.com (Awarded May 2024 & May 2025) Data compiled by Barron's based on time period from Jan 2023-Dec 2023 & Jan 2024-Dec 2024.
Securities Agent: HI, LA, WI, NE, MS, MN, MD, WY, NM, ID, FL, CO, CA, WA, PR, NJ, AZ, VA, NC, KY, KS, IN, GA, MO, DE, AL, NH, UT, OR, NV, MT, IL, CT, TN, SD, NY, MI, IA, AR, TX, PA, OK, DC, SC, OH, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261944
CA Insurance License #: 0H37221
NMLS#: 1261944
CA Insurance License #: 0H37221
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
Arturo Karakowsky joined the firm in 2007 after moving from Monterrey, Mexico where he was born and raised. Since then Arturo has been promoted to Managing Director and holds designations as a Family Wealth Director, Alternative Investments Director and International Client Advisor. Arturo is fluent in English, Spanish and Hebrew and his clients include both domestic and international High Net Worth individuals and business owners. He utilizes the robust investment platforms and products Morgan Stanley offers, while delivering his clients with the best execution and service possible.
Arturo completed the prerequisite courses for the CFP® at Rice University and passed the exam in June 2010, becoming a Certified Financial Planner®, thus enabling him to service a client market that expects this certification. He seeks to create a financial strategy that is tailored to each individual client's risk and investment profile. He works with the highest integrity to provide top quality service for his clients.
Arturo is passionate in staying connected and involved in the local community. He is currently involved in The Shlenker School, Camp Young Judaea, The Emery Weiner School, and Congregation Brith Shalom. Arturo, his wife Debbie, and their four children live in Houston, Texas.
2023-2024 Forbes America's Top Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024-2025 Barron’s Top 250 Private Wealth Management Teams ranking
Source: Barron's.com (Awarded May 2024 and May 2025) Data compiled by Barron's based on time period from Jan 2023-Dec 2023 and Jan 2024-Dec 2024.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017-2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017-2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Arturo completed the prerequisite courses for the CFP® at Rice University and passed the exam in June 2010, becoming a Certified Financial Planner®, thus enabling him to service a client market that expects this certification. He seeks to create a financial strategy that is tailored to each individual client's risk and investment profile. He works with the highest integrity to provide top quality service for his clients.
Arturo is passionate in staying connected and involved in the local community. He is currently involved in The Shlenker School, Camp Young Judaea, The Emery Weiner School, and Congregation Brith Shalom. Arturo, his wife Debbie, and their four children live in Houston, Texas.
2023-2024 Forbes America's Top Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024-2025 Barron’s Top 250 Private Wealth Management Teams ranking
Source: Barron's.com (Awarded May 2024 and May 2025) Data compiled by Barron's based on time period from Jan 2023-Dec 2023 and Jan 2024-Dec 2024.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017-2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017-2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Awards
- 2023-2024 Forbes America's Top Wealth Management Teams
- 2024-2025 Barron’s Top 250 Private Wealth Management Teams ranking
- 2018-2026 Forbes Best-In- State Wealth Advisors
- 2017-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Designations
- Series 7 - General Securities Representative
- Series 66 - Combined Investment Advisory Agent & Uniform State Exam
- Insurance Licensed
- Financial Planning Associate Designation
- Series 31 - Managed Futures
Personalized Process
As your dedicated Financial Advisors, my goal is to help tailor a personalized financial strategy which fits your unique needs. Through decades of working with clients, I have developed a step-by-step approach to service:
1. Discovery Process
We take the time to fully understand you and your family – whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
2. Forming Your Strategy
Our team works with you to assess various scenarios and advise you on the appropriate strategies designed to help meet those goals. Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to helping achieve your success.
3. Implementing Your Plan
We look across multiple accounts and products to identify the combination that helps you invest tax efficiently and meet your spending needs. We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to help ensure swift decisive action in all market scenarios.
Our Suite of Digital Tools & Research
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise, and easily digestible content. The links below offer insight into the modern market and economic landscape.
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise, and easily digestible content. The links below offer insight into the modern market and economic landscape.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO). Log in quickly, view spending activity, and deposit checks conveniently using the Morgan Stanley Mobile App.
Learn More About MSO
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Access Digital Vault
Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read This Week's Report
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
MS Reserved Insights
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Read Reserved Insights Articles
Tax Efficient Strategies
Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth. Here are some strategies to consider.
Guide to Tax-Efficient PlanningWealth Management Virtual Events
Get insights from Morgan Stanley's thought leaders, industry trailblazers, and influential voices on what's shaping the markets and economy today.
Client Service Team
Cory Martay - Assistant Vice President, Consulting Group Analyst
Phone:
(713) 966-2140(713) 966-2140
Email:Cory.Martay@morganstanley.com
Carmen Sohn - Portfolio Associate
Phone:
(713) 966-2147(713) 966-2147
Email:Carmen.Sohn@morganstanley.com
Erica Gonzalez - Consulting Group Analyst
Phone:
(713) 966-2175(713) 966-2175
Email:erica.gonzalez@morganstanley.com
With dedicated experience in international business since 2007, Erica brings a wealth of experience to our team at Morgan Stanley. Born and raised in the vibrant border town of El Paso, Texas, she embodies the unique blend of cultures and perspectives that define our interconnected global economy. Fluent in both English and Spanish, Erica is committed to providing comprehensive financial solutions tailored to meet the diverse needs of our clients.
Diana De Leon - International Registered Client Service Associate
Phone:
(713) 966-2156(713) 966-2156
Email:Diana.DeLeon@morganstanley.com
Shavon Kelley - Assistant Vice President, Group Director
Phone:
(713) 966-2199(713) 966-2199
Email:Shavon.Kelley@morganstanley.com
Shavon Kelley joined Morgan Stanley in 2025 as a Group Director. With over 25 years of experience in the financial industry, she takes pride in helping clients navigate their financial journeys with confidence and clarity. Shavon focuses on managing client relationships and brings a deep understanding of the wealth management process and its long-term impact.
A proud native of Houston, Shavon is the mother of two sons. Outside of work, she is passionate about giving back to her community and finds joy in serving others through meaningful acts of service.
A proud native of Houston, Shavon is the mother of two sons. Outside of work, she is passionate about giving back to her community and finds joy in serving others through meaningful acts of service.
Sandra Blair - Senior Client Service Associate
Phone:
(713) 966-2102(713) 966-2102
Email:Sandra.C.Blair@morganstanley.com
Location
2800 Post Oak Blvd
Ste 3200
Houston, TX 77056
US
Direct:
(713) 966-2139(713) 966-2139
Toll-Free:
(800) 666-6069(800) 666-6069
Fax:
(713) 966-6808(713) 966-6808
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
About Maricris Felicidario
Maricris Felicidario is an International Private Banker serving Morgan Stanley Wealth Management offices in Texas and Arizona.
International Private Bankers partner with Financial Advisors and International Client Advisors (ICAs) to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maricris began her career in financial services in 1997 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, she was a Senior Wealth Management Banker at Merrill Lynch. She also served as a Premier Client Manager at Bank of America.
Maricris lives in Houston, Texas. Outside of the office, she enjoys writing, photography, and traveling.
International Private Bankers partner with Financial Advisors and International Client Advisors (ICAs) to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maricris began her career in financial services in 1997 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, she was a Senior Wealth Management Banker at Merrill Lynch. She also served as a Premier Client Manager at Bank of America.
Maricris lives in Houston, Texas. Outside of the office, she enjoys writing, photography, and traveling.
NMLS#: 620169
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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 Arturo Karakowsky today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
3Morgan 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
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.
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 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 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.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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.
3Morgan 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
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.
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 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 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.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
CRC 4665150 (8/2025), 4763067 (9/2025)
