Calvin Jacobs, CPWA®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(562) 901-4327(562) 901-4327
Barbara Fleming, CFP®
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director
Direct:
(562) 901-4378(562) 901-4378
Toll-Free:
(800) 755-5721(800) 755-5721
My Mission Statement
My mission is to prepare you and your loved ones for a financially confident future by implementing tailored financial plans.
Welcome!
Barbara Fleming is a Certified Financial Planner® and Portfolio Management Director. For over three decades, Barbara has been focusing on helping clients preserve, manage and build wealth.
Barbara's designation of Portfolio Management Director reflects her ability to help develop personalized investment strategies. The CFP® designation is a testament in her quest to offer clients comprehensive financial planning solutions. Her experience and credentials allow her to offer individuals, as well as corporate retirement funds, some of the finest in financial thinking, solutions and execution.
Additionally, Barbara has extensive experience working with government and school district employees regarding their retirement planning needs and investment programs.
Barbara is a graduate of California State University Long Beach with a Bachelors of Science Business Administration Finance Degree, and completed The Wharton School, University of Pennsylvania Senior Account Executive Program, Class VIII.
Outside of work, Barbara enjoys spending time with her grandchildren, her dog Chewy, participating in triathlon events, golfing, and supports various charities and philanthropic events. Three time Ironman finisher with more to come.
Barbara's designation of Portfolio Management Director reflects her ability to help develop personalized investment strategies. The CFP® designation is a testament in her quest to offer clients comprehensive financial planning solutions. Her experience and credentials allow her to offer individuals, as well as corporate retirement funds, some of the finest in financial thinking, solutions and execution.
Additionally, Barbara has extensive experience working with government and school district employees regarding their retirement planning needs and investment programs.
Barbara is a graduate of California State University Long Beach with a Bachelors of Science Business Administration Finance Degree, and completed The Wharton School, University of Pennsylvania Senior Account Executive Program, Class VIII.
Outside of work, Barbara enjoys spending time with her grandchildren, her dog Chewy, participating in triathlon events, golfing, and supports various charities and philanthropic events. Three time Ironman finisher with more to come.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Asset Management
- 401(k) Rollovers
- Planning for Education FundingFootnote3
- AnnuitiesFootnote4
- Estate Planning StrategiesFootnote5
- Exchange Traded FundsFootnote6
- Lending Products
- Long Term Care InsuranceFootnote7
- 529 PlansFootnote8
- Qualified Retirement PlansFootnote9
Securities Agent: NM, PA, OR, WA, VA, ID, CA, UT, SC, TX, NY, NV, MI, MD, WI, GA, HI, TN, OH, CO, NC, ME, FL, AZ, MN, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1326765
CA Insurance License #: 0A75707
NMLS#: 1326765
CA Insurance License #: 0A75707
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Manage Your Financial Life & Beyond
Reaching your goals often involves going beyond investment advice—we provide a wide array of offerings and services centered on you and customized to help meet your needs, and provide access to specialists to help pursue specific goals.
Goals Based Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Cash Flow and Liabilities Solutions
Morgan Stanley has a full suite of cash management and liability solutions for your needs.
Investment Strategies
If a client minimizes the impact of taxes on their portfolio, it can potentially boost their overall returns and help them build wealth over the long term. These strategies should be considered year-round and can be executed leveraging solutions available at Morgan Stanley.
Tax-Efficient Strategies
Insurance
We offer a robust suite of insurance and annuities solutions, in conjunction with our licensed insurance agency affiliates that can aid in safeguarding you and your loved ones. Learn how we can help you as part of our planning process.
Protection for the Unexpected
Philanthropy
Philanthropy is a great opportunity to bring family members together and give back to the community. But it comes with complications: hard decisions, unwanted solicitations from organizations, rising tension between family members who care about different causes.
The Pyramid of Giving
Impact Quotient(IQ)
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the environmental, social and governance (esg) considerations of their investment portfolios.
Sustainable Investing ToolFinancial Planning Process
1. Discover
Our relationship begins with a thorough understanding of your immediate needs, priorities and goals. I will learn what is important to you and your family and help prioritize your goals.
2. Create
I will develop a tailored plan to help you preserve and grow your wealth and achieve your goals. I will identify solutions to help you: Plan for Retirement, Manage Cash Flow needs, and sufficiently address Estate, Insurance, and Tax Planning needs.
3. Act
Next, I will help you implement the strategies we formulate together, taking into account any special circumstances.
4. Adjust
Achieving your goals requires vigilance and flexibility. I will help you monitor your progress and make adjustments as life evolves, and markets, and tax laws shift, all while priorities change.
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Allows you to conveniently and securely manage your account online or on your mobile device.
Learn more and log in
The Morgan Stanley Minute
Explore our 1-minute investment insights videos in this on-going series from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Weekly Report
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Watch this brief video on Digital Vault
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
For Any Stage of Your Life
Portfolio Risk Platform - Powered by Aladdin
Portfolio Risk Platform - Powered by Aladdin is a management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Watch this brief video on Portfolio Risk Platform
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.
Listen to the Latest EpisodePLANNING YOUR FUTURE
We will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, our team is equipped with the resources and the knowledge to help you accomplish your personal and financial goal.
Understanding your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
Learn more about 401k Strategies
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Simple retirement checkup
Impact of Taxes
The strategies that clients use when drawing down their retirement savings can have a significant impact on how much they’ll pay in taxes and may help them keep more of their returns. Each retiree’s situation is different, but your clients might consider a combination of several strategies.
Tax-Smart StrategiesLocation
3840 Kilroy Airport Way
Ste 400
Long Beach, CA 90806
US
Direct:
(562) 901-4378(562) 901-4378
Toll-Free:
(800) 755-5721(800) 755-5721
Fax:
(562) 239-2033(562) 239-2033
Meet My Team
Brandon Behrad
Registered Client Service Associate
Phone:
(562) 901-4325(562) 901-4325
About Calvin Jacobs
Calvin Jacobs joined Morgan Stanley in 2013. As a Certified Private Wealth Advisor® (CPWA®), Calvin’s practice focuses on helping clients preserve and grow their wealth through Tax-Efficient Investing, Estate Planning, and strategies like Tax-Loss Harvesting and Direct Indexing. Calvin draws on his own insight as well as Morgan Stanley’s global research to create a personalized wealth managed strategy tailored to clients’ needs, whether they are planning for retirement, managing corporate cash, or building long-term financial security.
Calvin graduated from Central Michigan University with a Bachelor of Science in Business Administration Degree in Personal Financial Planning in 2012. He also earned a Certified Private Wealth Advisor® (CPWA®) designation from The Investments & Wealth Institute. A native of Michigan, Calvin started his career working at State Farm Insurance, where he was in charge of sales for Property & Casualty and Life Insurance. He worked with clients on a routine basis, analyzing their financial and insurance needs.
Calvin specializes in working with high-net-worth individuals, business owners, and millennials who are focused on saving for retirement and optimizing their financial future. He currently holds his FINRA Series 7 and Series 66 Licenses, along with his Life, Health, and Variable Annuity License.
Calvin finds his greatest joy in spending time with his wife, Hailey, and their young son, Wolf, whether they’re exploring new destinations together or simply enjoying a quiet evening at home. An avid skier, Calvin looks forward to hitting the slopes each winter, embracing the thrill of fresh powder and crisp mountain air. When he’s not on the slopes, Calvin enjoys playing basketball, finding both competition and camaraderie on the court. Whether traveling to new places or staying active through sports, Calvin balances his professional expertise with a life full of adventure and cherished moments with his family.
NMLS # 1643902
Calvin graduated from Central Michigan University with a Bachelor of Science in Business Administration Degree in Personal Financial Planning in 2012. He also earned a Certified Private Wealth Advisor® (CPWA®) designation from The Investments & Wealth Institute. A native of Michigan, Calvin started his career working at State Farm Insurance, where he was in charge of sales for Property & Casualty and Life Insurance. He worked with clients on a routine basis, analyzing their financial and insurance needs.
Calvin specializes in working with high-net-worth individuals, business owners, and millennials who are focused on saving for retirement and optimizing their financial future. He currently holds his FINRA Series 7 and Series 66 Licenses, along with his Life, Health, and Variable Annuity License.
Calvin finds his greatest joy in spending time with his wife, Hailey, and their young son, Wolf, whether they’re exploring new destinations together or simply enjoying a quiet evening at home. An avid skier, Calvin looks forward to hitting the slopes each winter, embracing the thrill of fresh powder and crisp mountain air. When he’s not on the slopes, Calvin enjoys playing basketball, finding both competition and camaraderie on the court. Whether traveling to new places or staying active through sports, Calvin balances his professional expertise with a life full of adventure and cherished moments with his family.
NMLS # 1643902
Securities Agent: MN, WA, TX, SC, NJ, MI, GA, TN, OR, OK, ID, AZ, WI, VA, UT, PA, OH, NC, MO, CT, CO, NH, AR, MT, MS, ME, MA, FL, NM, ND, HI, CA, KS, NY, NV, MD; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0I52173
CA Insurance License #: 0I52173
About Brandon Behrad
Brandon grew up in Woodland Hills, CA and made his way to Orange County in 2016. He went to school at Cal State University Northridge and received a bachelor’s degree in Economics. He previously worked with LPL Financial for 5 years, helping service client accounts.
At home is his high-school sweetheart, Ghia, their 5-year-old son, Leo, nearly one-year-old daughter, Arlo, along with their two dogs, Penny and Kira. In their free time, they like spending time at the beach, dog park, or on a road trip exploring somewhere new. Brandon enjoys cooking, watching & playing sports, and hanging out with his family.
At home is his high-school sweetheart, Ghia, their 5-year-old son, Leo, nearly one-year-old daughter, Arlo, along with their two dogs, Penny and Kira. In their free time, they like spending time at the beach, dog park, or on a road trip exploring somewhere new. Brandon enjoys cooking, watching & playing sports, and hanging out with his family.
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
Megan Cornille
Private Banker
William Rica
Planning Associate
About Megan Cornille
Megan Cornille is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance, California with her family. Outside of the office, Megan enjoys running, traveling with her family and volunteering at her son’s school.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance, California with her family. Outside of the office, Megan enjoys running, traveling with her family and volunteering at her son’s school.
NMLS#: 606638
About William Rica
William Rica is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. William provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Rollins College and received the Financial Planning Specialist® designation from the College for Financial Planning. William is originally from Stuart, Florida and currently resides in Brooklyn, NY.
He earned his undergraduate degree from Rollins College and received the Financial Planning Specialist® designation from the College for Financial Planning. William is originally from Stuart, Florida and currently resides in Brooklyn, NY.
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
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 Barbara Fleming 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
