Robert M Johnston
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Manager, Senior Investment Management Consultant
Phone:
(813) 286-5644(813) 286-5644
Industry Award WinnerOur Mission Statement
Our passion is guiding clients with trusted advice and prudent planning, so they may focus on what matters most and experience a more abundant life.
Group Story
Johnston Hooks Group is a boutique wealth management practice within Morgan Stanley. We provide trusted advice and prudent planning with an emphasis on wealth protection strategies.
Our Clients
We work primarily with successful individuals, mutigenerational families, and business leaders, who understand the importance of professional money management and prudent planning. Our clients work hard and want their money to work even harder. We are dedicated to helping you build, protect, and transfer your wealth and will work to strengthen your family’s financial security for generations to come.
Our Philosophy
We develop a tailored strategy that lays out a clear path to your goals. Working together, we combine our collective wisdom and experience, along with the intellectual capital of Morgan Stanley, to deliver custom solutions. We filter vast amounts of information to focus on the important issues that affect you. The strategies we recommend are carefully structured to provide a solid foundation through various life, economic, and market cycles. We apply the principles of “seed, time, and harvest,” along with diversification, to our portfolio construction process.
Our Commitment
Finally, we deliver first-class service in a first-class way and take on a servant’s attitude toward helping clients. We come to work every day engaged in making a real difference in the lives of our clients.Click Here to view our brochure
Our Clients
We work primarily with successful individuals, mutigenerational families, and business leaders, who understand the importance of professional money management and prudent planning. Our clients work hard and want their money to work even harder. We are dedicated to helping you build, protect, and transfer your wealth and will work to strengthen your family’s financial security for generations to come.
Our Philosophy
We develop a tailored strategy that lays out a clear path to your goals. Working together, we combine our collective wisdom and experience, along with the intellectual capital of Morgan Stanley, to deliver custom solutions. We filter vast amounts of information to focus on the important issues that affect you. The strategies we recommend are carefully structured to provide a solid foundation through various life, economic, and market cycles. We apply the principles of “seed, time, and harvest,” along with diversification, to our portfolio construction process.
Our Commitment
Finally, we deliver first-class service in a first-class way and take on a servant’s attitude toward helping clients. We come to work every day engaged in making a real difference in the lives of our clients.Click Here to view our brochure
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process is Focused on You
1. Getting to Know You
Our process starts with getting to know you, discoveries made during our initial conversation will be the foundation of a "big picture strategy" based on who you are and where you want to go. The discovery process is vital in creating a goals-based plan that addresses a broad range of topics that will likely influence your future. By taking time and care to get to know our clients we make sure that we are the best fit for you.
2. Analyzing Your Needs
We begin with a review of your financial life and goals. We analyze income and cash flow needs along with balance sheet optimization, risk objectives, and legacy goals. We coordinate with outside advisors, including attorneys and CPAs, and consult with Morgan Stanley’s team of experts. Finally, we collaborate as a group to discuss the best solutions for meeting your needs.
3. Tailoring a Custom Plan
We use a goals-based approach that measures progress towards what is most important to you. While your plan is comprehensive, it focuses on your most important needs first. Ultimately, planning provides you with a roadmap to achieve your goals today and tomorrow.
4. Implementation
We execute your plan by utilizing the intellectual capabilities of our team and the vast resources of Morgan Stanley. Using our vision and wisdom, we help you to help grow, transfer, and protect your wealth.
5. Continuous Monitoring and Review
We are committed to regular meetings to review and keep you on track towards achieving your goals. Over time, we fine-tune your strategy to reflect ever-changing priorities in your life and current market conditions. We are committed to walk with you every step of the way.
Advice
We often collaborate with specialists within Morgan Stanley as well as other professionals within the industry who are considered experts in their field. We work closely with your accountant and attorney to gain the precise knowledge needed to effectively manage all aspects of your wealth.
Time is a Precious Commodity
We understand your time is valuable. We filter vast amounts of information to focus on the important issues affecting you. The strategies we recommend are carefully structured to provide a solid foundation through various life, economic and market cycles. We apply the principles of “seed, time, and harvest.”
Communication
We listen to you. Our conversations allow us to develop an understanding of you and your values. Once we understand your perspective, we take the time to explain complex strategies in simple terms so that you can make informed decisions to help achieve your goals.
Diversification
A disciplined investment process is critical to achieving your goals – especially in today’s complex market environment. Our portfolio construction process includes foundational, traditional, and alternative investments where appropriate. Our experience and belief is that properly diversified portfolios are best to weather the storms of the various market cycles.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Uncommon Service
Your priorities are our priorities. Successful wealth management begins with personalized service and attention. We pride ourselves on delivering first class service in a first class way. We are committed to developing a relationship that provides special value to you and your family for generations to come.
Neda Hooks, CFP® – Certified Financial Planner™
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated proficency in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Neda Hooks, CRPC® - Certified Retirement Planning Counselor
A CRPC® is dedicated to client-centric problem solving and is dedicated to offering clients a "road map to retirement"
A CRPC® will take into account the many different factors that affect your retirement planning, including:
• Meeting financial objectives
• Sources of retirement income
• Personal Savings
• Employer sponsored retirement plans
• Income taxes
• Retirement cash flow
• Asset management
• Estate planning
A CRPC® will take into account the many different factors that affect your retirement planning, including:
• Meeting financial objectives
• Sources of retirement income
• Personal Savings
• Employer sponsored retirement plans
• Income taxes
• Retirement cash flow
• Asset management
• Estate planning
CASH MANAGEMENT AND LENDING OFFERINGS
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
Explore the Full Suite of Offerings
Preferred Savings Program
Once you open a Morgan Stanley Brokerage Account, you can make the most of your idle cash with our competitive Preferred Savings Program.
Help Keep Your Cash Working for You
Morgan Stanley CashPlus Brokerage Account
Designed as a modern alternative to banking with the capabilities to help you access, move, and manage cash when you need it while enjoying exclusive benefits.
Click to Learn More
Preferred Certificates of Deposit (CDs)
Once you open a Morgan Stanley Brokerage Account, you can potentially grow your wealth with our competitive fixed rate Preferred Certificates of Deposit (CDs) offerings.
Lock in a Competitive Rate
Beyond Basic Borrowing
Most people borrow during the course of their lives. But it's important to be as strategic about borrowing as you are with the other areas of your financial life.
Help Keep Your Cash Working for You
Helping a Loved One Buy a Home
High home prices and mortgage rates are putting the dream of homeownership out of reach for many would-be buyers. Learn how you can help a loved one break into a tough market.
Ways to Help With a Home PurchaseLocation
Two Urban Centre
4890 W Kennedy Blvd., Ste. 700
Tampa, FL 33609
US
Direct:
(800) 326-4662(800) 326-4662
Meet Johnston Hooks Group
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(813) 286-5604(813) 286-5604
Patricia(Patti) Griffin
Senior Registered Client Service Associate
Phone:
(813) 286-5635(813) 286-5635
Cindy Huang Engle
Portfolio Associate, Financial Planning Specialist
Phone:
(813) 286-5670(813) 286-5670
About Robert M Johnston
- Licensed in Financial Services Industry since 2000
- Former Over-the-Counter Equities Trader at Raymond James
- BA – Business Administration from the University of Florida
- Alternative Investments Certification
- Consulting Group Advisor Certification
- Ruth Eckerd Hall Foundation, Clearwater, FL – Past Board member
- Professional Advisory Council on Planned Giving – Straz Center
- Series 7, 31, 55, 63 and 65 Licensed
- Life, Health and Variable Annuity Insurance Licensed
- Former Over-the-Counter Equities Trader at Raymond James
- BA – Business Administration from the University of Florida
- Alternative Investments Certification
- Consulting Group Advisor Certification
- Ruth Eckerd Hall Foundation, Clearwater, FL – Past Board member
- Professional Advisory Council on Planned Giving – Straz Center
- Series 7, 31, 55, 63 and 65 Licensed
- Life, Health and Variable Annuity Insurance Licensed
Securities Agent: MS, MN, DE, AZ, WI, CO, VA, NV, ME, MD, LA, IL, FL, UT, OR, NJ, NC, DC, VT, OK, NH, MI, HI, PA, MO, MA, CA, AR, AL, SC, GA, CT, WV, NY, RI, IN, WA, VI, TX, TN, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261792
NMLS#: 1261792
About Neda Hooks
As an Executive Director and Financial Advisor, Neda Hooks assists successful individuals, families, and business owners in making informed financial decisions through thoughtful planning and disciplined investment strategies. She believes that exceptional financial advice begins with understanding what matters most to each client and building a long-term plan designed to help them pursue their goals while navigating life’s inevitable changes.
Neda’s passion for financial planning is deeply personal. She immigrated to the United States from Iran with her family as a young child after her parents made the difficult decision to leave everything behind in pursuit of greater opportunity. Watching them rebuild their lives from the ground up taught her the importance of hard work, resilience, and preparing for the unexpected. Their commitment to planning for multiple scenarios, living below their means, investing for the future, and remaining steadfast through uncertainty shaped her own philosophy and ultimately inspired her career as a financial advisor. Today, she is dedicated to helping clients build financial confidence, protect what they’ve worked so hard to create, and prepare for whatever the future may bring.
Neda began her career as a financial advisor in 2007 and joined Morgan Stanley in 2010. She earned her Bachelor of Science in Finance from the University of South Florida and holds the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Retirement Planning Counselor℠ designation.
Outside of her practice, Neda is committed to serving her community. She serves on the Lakeland Regional Health Foundation Board, is a Women in Philanthropy Committee Member, and serves as Vice President of the Parent Teacher Organization at her children’s school.
When she’s not working with clients, Neda enjoys traveling with her husband, Hamilton, and their two children, exploring new cultures, visiting art museums around the world, and discovering the local cuisine wherever they go. An avid runner, she appreciates the discipline, consistency, and perseverance that both running and financial planning require.
Neda believes that true wealth is about creating freedom, opportunity, and peace of mind—for today and for generations to come.
Neda’s passion for financial planning is deeply personal. She immigrated to the United States from Iran with her family as a young child after her parents made the difficult decision to leave everything behind in pursuit of greater opportunity. Watching them rebuild their lives from the ground up taught her the importance of hard work, resilience, and preparing for the unexpected. Their commitment to planning for multiple scenarios, living below their means, investing for the future, and remaining steadfast through uncertainty shaped her own philosophy and ultimately inspired her career as a financial advisor. Today, she is dedicated to helping clients build financial confidence, protect what they’ve worked so hard to create, and prepare for whatever the future may bring.
Neda began her career as a financial advisor in 2007 and joined Morgan Stanley in 2010. She earned her Bachelor of Science in Finance from the University of South Florida and holds the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Retirement Planning Counselor℠ designation.
Outside of her practice, Neda is committed to serving her community. She serves on the Lakeland Regional Health Foundation Board, is a Women in Philanthropy Committee Member, and serves as Vice President of the Parent Teacher Organization at her children’s school.
When she’s not working with clients, Neda enjoys traveling with her husband, Hamilton, and their two children, exploring new cultures, visiting art museums around the world, and discovering the local cuisine wherever they go. An avid runner, she appreciates the discipline, consistency, and perseverance that both running and financial planning require.
Neda believes that true wealth is about creating freedom, opportunity, and peace of mind—for today and for generations to come.
Securities Agent: CO, MT, TN, NY, DE, NV, NJ, LA, AL, TX, MA, IL, FL, NC, MN, MI, DC, CA, PA, OK, NH, MO, ME, GA, CT, RI, VA, UT, OR, OH, MD, WV, SC, AZ, WI, WA, MS, IN, AR, VT, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1282482
CA Insurance License #: 0H78272
AR Insurance License #: 9471145
NMLS#: 1282482
CA Insurance License #: 0H78272
AR Insurance License #: 9471145
About Cindy Huang Engle
Cindy Huang Engle
Senior Registered Client Service Associate
Cindy was raised in China and moved to the US more than twenty five years ago. She has a Bachelor’s degree from Baruch College in New York and has worked in the financial industry for over twenty years. Cindy has experience in all aspects of finance including brokerage, trading, insurance and banking most recently as a relationship banker. Cindy is registered and shares our commitment to first class service.
Senior Registered Client Service Associate
Cindy was raised in China and moved to the US more than twenty five years ago. She has a Bachelor’s degree from Baruch College in New York and has worked in the financial industry for over twenty years. Cindy has experience in all aspects of finance including brokerage, trading, insurance and banking most recently as a relationship banker. Cindy is registered and shares our commitment to first class service.
Contact Robert M Johnston
Contact Neda Hooks
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Johnston Hooks Group 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
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 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.
4Morgan 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.
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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
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 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.
4Morgan 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.
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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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)
