Phone:
(949) 809-1334(949) 809-1334
Ascend Pacific Group at Morgan Stanley
Direct:
(949) 955-7500(949) 955-7500
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
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.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Qualified Retirement PlansFootnote4
- Corporate Retirement PlansFootnote5
- Retirement PlanningFootnote6
- Executive Financial ServicesFootnote7
- Life InsuranceFootnote8
- AnnuitiesFootnote9
- Cash ManagementFootnote10
- Trust ServicesFootnote11
- 529 PlansFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Core Capabilities
We, the Ascend Pacific Group at Morgan Stanley, offers an extensive suite of Financial Management and Holistic Investment Planning Solutions to Institutions , Families, Business Owners, Executives and more. We are your dedicated team of Financial Advisory Professionals who strive to help our clients make their goals a reality and simplify the complexities of your financial life by offering a comprehensive suite of services to meet your needs.
Wealth Management
At Morgan Stanley Wealth Management, we utilize exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. We provide a range of solutions to meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex and portfolios require close monitoring to remain within intended parameters.
Financial Planning
Your goals, assets, liabilities, and other important information are gathered and analyzed. We then use our perspective and experience to leverage the global resources of the firm to help you develop a personalized investment strategy. We'll develop a customized portfolio designed to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
Risk Analysis
We take a holistic approach to managing your finances by identifying risk outliers and understanding the impact of market scenarios. We leverage Morgan Stanley's Portfolio Risk Platform and the risk analytics integrated into their proprietary platform applications to leverage risk insights across thousands of risk factors. We are able to instantly analyze an entire portfolio, including assets held elsewhere, which helps identify and mitigate your risk.
Corporate Retirement Plans
Our team works closely with plan sponsors and clients to cultivate strong relationships and create innovative retirement plan solutions. Backed by the power of Morgan Stanley, we can help you gain confidence and efficiency in your plan management with a strong team, comprehensive services, and fiduciary support. Our goal is to design and help you administer a retirement plan that helps you last a lifetime and beyond!
MORGAN STANLEY AT WORK SOLUTIONS FOR YOUR BUSINESS
Utilizing the powerful Morgan Stanley at Work platform, the Ascend Pacific Group at Morgan Stanley is able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions which include Retirement Solutions, Financial Wellness and Equity Solutions.
- 401(k) and 403(b) Plans
- Pension Plans
- Non-Qualified Deferred Compensation Plans
- IRAs
- Plan Competitiveness and Fiduciary Risk Management
- Investment Selection and Monitoring
- Employee Retirement Readiness
- Plan Evaluation: We provide a needs assessment, perform benchmarking and run provider searches to help you ensure your plan is set up to achieve its goals.
- Investment Management: We help produce investment policy statements, lead investment selection and perform investment monitoring to give your employees access to money management resources.
- Plan Management: Through lead issue resolution, fiduciary audit and fee analysis, we help streamline administration and make sure your plan stays in compliance.
- Plan Participation: We provide content, seminars, and strategic planning resources to educate, engage and excite your employees about preparing for retirement.
Retirement Plan Solutions
Take care of tomorrow, so your employees can take charge of today.
Our Retirement Solutions help your company and employees maximize their benefits and make informed decisions about the future.
Financial Wellness
Inspire your employees to achieve their goals, wherever they are on their journey. Our Financial Wellness offering helps your employees reduce financial stress and build resiliency, so they can be more confident at work and in life.
Retirement Plan Consulting and Solutions
Speak with us to let us help you create, design, and plan our your retirement step by step, goal by goal.
Christopher Soto, Chartered Retirement Plans Specialist®
Senior Vice President, Financial Advisor, Corporate Retirement Director
Adrian Zuloaga, Certified Financial Planner®
Vice President, Financial Advisor
We serve a full spectrum of plan types including:
Dedicated Support and Guidance, Backed by Experience
More services. Lighter administrative load. We offer plan sponsors solutions to help reduce their fiduciary burden and simplify management.
Comprehensive Services, Made Simple
We offer the tools, advice and support you need to manage your retirement program with confidence from every angle.
As a Chartered Retirement Plans Specialists® & Certified Financial Planners®, we are committed to provide workplace solutions through Morgan Stanley at Work to help employees thrive across three verticals: equity solutions, financial wellness, and retirement plans. We bring in corporate solutions to empower companies in their management of these programs and, ultimately, to support their employees through their financial journeys.
Our mission is to assist your company in elevating your workplace financial solutions to the next level and support your employees on their financial journeys, understanding their individual life stages and addressing their timely needs, no matter where they are in their life or career. Discover our workplace financial solutions deliver powerful tools, guidance, and education to help your company and your employees thrive.
- Defined Contribution Consulting
- Solutions-Oriented Plans
- Fiduciary Investment Oversight
- Recordkeeping and Plan Design
- Portfolio Construction
- Wealth Management Services
- Education
- Financial Guidance
- Perks
- Student Loan Repayment
- College Savings
- Student Loan Refinancing
- Equity Compensation Services
- Equity Award Analysis
- Specialized Solutions
Retirement Solutions
Retirement Services maintains relationships with service providers to offer an array of product solutions for retirement plans of all sizes. We also have relationships with investment-only providers who offer value-added tools and resources. Some of our services include:
Deferred Compensation
With Morgan Stanley at Work, we have access to a range of Nonqualified Deferred Compensation plan services and will help guide your company in picking the ones that best fit the needs of your company and employees.
We can help review and evaluate available plan designs and informal funding strategies through a needs-based assessment, provide manager selection support and investment-related insights to help informally fund a non-qualified deferred compensation plan, and provide participants with plan education through a Morgan Stanley Financial Advisor.
Financial Wellness
The more knowledgeable employees are in their finances, the more confident they can be in work and life. That's why we include Financial Wellness with every service we provide.
Through a powerful combination of education, digital tools and financial guidance from our professionals, Financial Wellness is designed to address the unique needs of employees and empower their financial journey at every stage, giving employees the confidence to take charge of their finances. These services include:
Saving and Giving
Saving and Giving benefits can make a real difference in employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Companies can show that they are committed to employees' priorities with leading-edge solutions that help them chart a path toward financial well-being. These services include:
Executive Services
While business leaders are busy driving change for a company, our Executive Services team provides specialized expertise in equity compensation so they can keep taking the company to new heights. At Morgan Stanley, we can provide a dedicated team provides concierge-level support for executives' equity compensation, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, helping them navigate their complex financial needs with greater confidence and certainty. Some of our services include:
Location
1901 Main Street
Ste 700
Irvine, CA 92614
US
Direct:
(949) 955-7500(949) 955-7500
Meet Ascend Pacific Group
Phone:
(949) 809-1335(949) 809-1335
Phone:
(949) 809-1394(949) 809-1394
Victor Bui
Client Service Associate
Phone:
(949) 809-1336(949) 809-1336
Bethany Hsi
Client Service Associate
Phone:
(949) 809-1387(949) 809-1387
About Chris Soto
Our team focuses on Qualified Retirement Plans. Specifically we help with: Plan Design, Fiduciary Services, Installation, Maintenance, Investment Recommendations, Employee Education and Administration. We advise over 100 Plans such as: 401(k)s, Profit Sharing, Cash Balance, 457/403(b) and Simple IRAs.
With currently over $500 million under management and more than a decade of experience, we have earned the designation of Institutional Plan Fiduciary Consultant through Morgan Stanley Wealth Management. In addition, I have received my Chartered Retirement Plan Specialist (CRPS) designation.
We are well versed in compliance with ERISA & DOL and managing investment practices which reduce Plan Sponsor liability.
Lastly, we help our clients with Business Succession Planning and Business Sales Strategies. We also have the ability to work with Morgan Stanley affiliates to offer clients access to Wealth Planning, Private Banking, Trust and Fiduciary Services, and Insurance.
When not in the office, I really enjoy spending time with my family, travelling with my wife Crystal and our toddler Sophie.
With currently over $500 million under management and more than a decade of experience, we have earned the designation of Institutional Plan Fiduciary Consultant through Morgan Stanley Wealth Management. In addition, I have received my Chartered Retirement Plan Specialist (CRPS) designation.
We are well versed in compliance with ERISA & DOL and managing investment practices which reduce Plan Sponsor liability.
Lastly, we help our clients with Business Succession Planning and Business Sales Strategies. We also have the ability to work with Morgan Stanley affiliates to offer clients access to Wealth Planning, Private Banking, Trust and Fiduciary Services, and Insurance.
When not in the office, I really enjoy spending time with my family, travelling with my wife Crystal and our toddler Sophie.
Securities Agent: VA, AR, WA, NY, CA, WI, TX, PA, MD, MA, UT, FL, OH, NC, KY, CO, OR, DC, AZ, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2515209
CA Insurance License #: 0F04202
NMLS#: 2515209
CA Insurance License #: 0F04202
About Me
I help Build, Preserve, Manage and Transition Wealth through Values-based Planning and Investment Management.
As a CFP®, I believe in values-based Planning. This means working with a CFP® professional who will understand you and will take the step & process of learning what is important to you and your family. This could be related to Money, Investing, Retirement, Financial Parenting, Career Goals, Philanthropy, Asset Preservation and more.
I have my beautiful wife, Brittany and my two young kids Luca and Micah. We enjoy tennis, softball, surfing, golf, live concerts when we can. It seems that these days may last forever but it won't. I know what it feels like to consider and worry for their futures through day and night. This is why I dedicated my career to helping families and business owners make smart decisions about their money and provide confidence in their financial future.
If you have any of the following needs, I can help:
-Growing your net worth & assets
-Retiring with independence and financial confidence
-Developing an investment, savings and accumulation plan
-Developing strategies to help maximize wealth transfer* to heirs while nurturing responsible stewardship of that wealth
-College Education Funding (529 Plans)
-IRA & 401(k)
As a CFP®, I believe in values-based Planning. This means working with a CFP® professional who will understand you and will take the step & process of learning what is important to you and your family. This could be related to Money, Investing, Retirement, Financial Parenting, Career Goals, Philanthropy, Asset Preservation and more.
I have my beautiful wife, Brittany and my two young kids Luca and Micah. We enjoy tennis, softball, surfing, golf, live concerts when we can. It seems that these days may last forever but it won't. I know what it feels like to consider and worry for their futures through day and night. This is why I dedicated my career to helping families and business owners make smart decisions about their money and provide confidence in their financial future.
If you have any of the following needs, I can help:
-Growing your net worth & assets
-Retiring with independence and financial confidence
-Developing an investment, savings and accumulation plan
-Developing strategies to help maximize wealth transfer* to heirs while nurturing responsible stewardship of that wealth
-College Education Funding (529 Plans)
-IRA & 401(k)
Securities Agent: MA, NC, PA, OH, NV, WI, AZ, FL, WA, TX, CO, VA, OR, NY, KY, DC, CA, MD, AR, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 2513667
CA Insurance License #: 0I18223
NMLS#: 2513667
CA Insurance License #: 0I18223
About DJ Sobrepena
As a financial advisor who brings over 15 years of experience in financial services, my focus is on making finance easy to understand and approachable. My skill set covers a wide range of areas from tailored retirement plans to providing investment advice.
When working with corporate retirement plans, my goal is to collaborate closely with sponsors to best understand their company’s retirement needs and implement strategies that enhance retirement offerings and participant experience. Hand-in-hand with this is working to ensure that the plan meets all criteria regarding fiduciary responsibilities, while minimizing exposure to liabilities.
My financial experience allows me to develop individual wealth management plans designed to meet my clients’ short and long-term financial goals and aspirations.
It’s important to me to stay abreast of industry trends and regulations to ensure that my clients benefit from the highest caliber of service and support. By building strong relationships founded on trust and integrity, I endeavor to serve as a reliable advisor in their financial journey, guiding them toward long-term success.
Outside of work, I enjoy spending time outdoors with my wife (Christina) and kids (Dylan and Ruby) and helping to coach their basketball and soccer teams.
When working with corporate retirement plans, my goal is to collaborate closely with sponsors to best understand their company’s retirement needs and implement strategies that enhance retirement offerings and participant experience. Hand-in-hand with this is working to ensure that the plan meets all criteria regarding fiduciary responsibilities, while minimizing exposure to liabilities.
My financial experience allows me to develop individual wealth management plans designed to meet my clients’ short and long-term financial goals and aspirations.
It’s important to me to stay abreast of industry trends and regulations to ensure that my clients benefit from the highest caliber of service and support. By building strong relationships founded on trust and integrity, I endeavor to serve as a reliable advisor in their financial journey, guiding them toward long-term success.
Outside of work, I enjoy spending time outdoors with my wife (Christina) and kids (Dylan and Ruby) and helping to coach their basketball and soccer teams.
Securities Agent: MD, NV, MA, WI, DC, VA, OH, FL, CA, TX, CO, AR, WA, PA, OR, NC, NY, KY, AZ, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 2540420
CA Insurance License #: 0F78732
NMLS#: 2540420
CA Insurance License #: 0F78732
Contact Chris Soto
Contact Adrian Zuloaga
Contact DJ Sobrepena
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
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Ascend Pacific Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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’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.
4When 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.
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.
6When 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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
11Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
12Investors 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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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’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.
4When 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.
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.
6When 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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
11Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
12Investors 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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
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Awards Disclosures
CRC 6491812 (04/2024)
