Bobbi Presper, CFP®
First Vice President,
Financial Advisor,
Senior Portfolio Manager,
NFLPA Registered Institutional Player Financial Advisor
Direct:
(803) 343-8856(803) 343-8856
Toll-Free:
(800) 438-5570(800) 438-5570
My Mission Statement
Working with clients in helping them to achieve their financial goals while implementing prudent strategies to help better maximize and preserve legacy wealth
My Story
As a Financial Advisor, Bobbi leverages the significant institutional and consulting resources of Morgan Stanley* where she can bring comprehensive strategies to clients. She most enjoys working with people who are serious with regards to their investments—those who are willing to accept that they need assistance from a professional who will carefully consider their needs, goals and risk tolerance. She then provides clients with the direction and guidance needed to help achieve their goals.
Her mission is to assist clients and their families in achieving their financial goals and providing for an overall feeling of well-being. She seeks to achieve this by implementing prudent strategies to help maximize and preserve intergenerational wealth.
Bobbi has been a Financial Advisor with Morgan Stanley* (& it’s predecessor firms) in Columbia, SC since 1989. Originally from Philadelphia, PA, she graduated from Lake Erie College in Painesville, Ohio (near Cleveland) with a Bachelor of Arts degree in International Business and Italian & a minor in Equestrian Studies. A College For Financial Planning Certified Financial Planning graduate, Bobbi also holds Series 7, 63, 65 & 3 securities licenses, in addition to life and health insurance licenses. She enjoys bike-riding, travel & spending time with family and friends.
Her mission is to assist clients and their families in achieving their financial goals and providing for an overall feeling of well-being. She seeks to achieve this by implementing prudent strategies to help maximize and preserve intergenerational wealth.
Bobbi has been a Financial Advisor with Morgan Stanley* (& it’s predecessor firms) in Columbia, SC since 1989. Originally from Philadelphia, PA, she graduated from Lake Erie College in Painesville, Ohio (near Cleveland) with a Bachelor of Arts degree in International Business and Italian & a minor in Equestrian Studies. A College For Financial Planning Certified Financial Planning graduate, Bobbi also holds Series 7, 63, 65 & 3 securities licenses, in addition to life and health insurance licenses. She enjoys bike-riding, travel & spending time with family and friends.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Executive Benefit ServicesFootnote5
- Executive Financial ServicesFootnote6
- Estate Planning StrategiesFootnote7
- Philanthropic Services
- Sustainable InvestingFootnote8
- Cash ManagementFootnote9
- Trust AccountsFootnote10
- 401(k) Rollovers
- Lending Products
- 529 PlansFootnote11
- UGMA/UTMAFootnote12
- Alternative InvestmentsFootnote13
Securities Agent: VA, FL, MD, NC, CO, TN, WI, GA, OH, HI, CA, SC, NY, MS, CT, NV, NM, PA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274633
NMLS#: 1274633
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
I LOVE WHAT I DO!
In 2007 I read an article written by Dana Hammonds Shuler of the NFL Players Association (NFLPA). Considering how often women can be central in Players’ lives, Dana encouraged women Financial Advisors to get registered as NFLPA Registered Player Financial Advisors. This touched me. So I decided to get registered. Sports surround my life. My CPA husband is an avid sports fan and my daughter swam Division One at Pepperdine University. While there, she interned for an agency that works with high-profile clients including celebrities. After she graduated, she worked with a human performance company that coaches every level of athlete but is best-known for training NFL Players. This has given me a rare perspective. Her background helped me to appreciate the distinct challenges and time commitments professional athletes and entertainers can face, knowing that they could benefit from being able to rely on me for their wealth management needs. I am fully committed to planning for wealth optimization for my athlete and entertainer clients, who face unusual and unique challenges. As a result, a holistic and an integrated approach to financial planning and investing is necessary so that lifestyle needs can be funded during the peak-earnings years and well beyond. Having been an experienced Financial Advisor of over 35 years, living in a great college sports city and state, I have taken the time to educate myself on becoming a valuable Financial Advisor for players, coaches, athletes, entertainers and their loved ones.
Morgan Stanley’s Global Sports & Entertainment (GSE) division is an official Institutional Financial Advisor for the NFLPA. The NFLPA launched its Institutional Financial Advisors Registration Program in 2019, allowing players access to a list of Financial Advisors affiliated with leading financial institutions. Institutional participants of the program are selected based on their industry capabilities and range of service offerings that meet the specific needs of NFL Players. As an NFLPA Registered Institutional Player Financial Advisor, Morgan Stanley Global Sports & Entertainment has the oversight of the Financial Advisors, like myself, that have been designated to provide guidance to the members of the NFLPA. I have access to specialized resources to help address the career and financial needs of both current and past NFL players. I am open to discussing the potential of possibly working together and to gain from any insight you would be willing to share with me. Please feel free to reach out to plan for a mutually-convenient time to talk.
In 2007 I read an article written by Dana Hammonds Shuler of the NFL Players Association (NFLPA). Considering how often women can be central in Players’ lives, Dana encouraged women Financial Advisors to get registered as NFLPA Registered Player Financial Advisors. This touched me. So I decided to get registered. Sports surround my life. My CPA husband is an avid sports fan and my daughter swam Division One at Pepperdine University. While there, she interned for an agency that works with high-profile clients including celebrities. After she graduated, she worked with a human performance company that coaches every level of athlete but is best-known for training NFL Players. This has given me a rare perspective. Her background helped me to appreciate the distinct challenges and time commitments professional athletes and entertainers can face, knowing that they could benefit from being able to rely on me for their wealth management needs. I am fully committed to planning for wealth optimization for my athlete and entertainer clients, who face unusual and unique challenges. As a result, a holistic and an integrated approach to financial planning and investing is necessary so that lifestyle needs can be funded during the peak-earnings years and well beyond. Having been an experienced Financial Advisor of over 35 years, living in a great college sports city and state, I have taken the time to educate myself on becoming a valuable Financial Advisor for players, coaches, athletes, entertainers and their loved ones.
Morgan Stanley’s Global Sports & Entertainment (GSE) division is an official Institutional Financial Advisor for the NFLPA. The NFLPA launched its Institutional Financial Advisors Registration Program in 2019, allowing players access to a list of Financial Advisors affiliated with leading financial institutions. Institutional participants of the program are selected based on their industry capabilities and range of service offerings that meet the specific needs of NFL Players. As an NFLPA Registered Institutional Player Financial Advisor, Morgan Stanley Global Sports & Entertainment has the oversight of the Financial Advisors, like myself, that have been designated to provide guidance to the members of the NFLPA. I have access to specialized resources to help address the career and financial needs of both current and past NFL players. I am open to discussing the potential of possibly working together and to gain from any insight you would be willing to share with me. Please feel free to reach out to plan for a mutually-convenient time to talk.
Morgan Stanley named official partner of the NFLPA
The NFLPA and Morgan Stanley have partnered together to provide athletes with easy access to financial advisors that are dedicated to helping navigate their financial lives.
Learn more here
Financial Education for young Pros
Athletes and Entertainers have specific needs and concerns in their life. Watch our video to learn more about how we can assist you in addressing your unique needs and help you to feel confident in your financial life.
Watch our video here
Financial Tips for Unpredictable Careers
The careers of athletes and entertainers are both unique and uncertain, but with careful wealth planning I can help you prepare for the unexpected turns.
Learn more here
Building a dream team for your career
Everyone needs a strong group supporting them in order to be successful. Let’s talk about your goals and see how I can help you reach them.
Learn more hereWhy are credentials impactful? They demonstrate a depth of proficiency along with a commitment to ongoing education and advanced training, as well as a dedication to uncovering some of the finest solutions.
CFP® (Certified Financial Planner™) – Bobbi has earned the CFP® certification mark after undertaking a challenging accreditation process. Although frequently professionals may call themselves “financial planners,” only those who have fulfilled the rigorous requirements of the CFP Board can display the CFP® mark. It signifies a deep knowledge of topics such as the financial planning process, retirement planning, tax planning, and estate planning strategies. It also means she has a proficiency and ease when talking with your other outside advisors, such as your CPA and attorney.
National Football League Players Association (NFLPA) Registered Institutional Player Financial Advisor –Bobbi holds this designation from the NFLPA as a vetted Financial Advisor who meets the educational, experiential and regulatory standards established by the NFLPA, while submitting to due diligence checks and abiding by a code of conduct.
CFP® (Certified Financial Planner™) – Bobbi has earned the CFP® certification mark after undertaking a challenging accreditation process. Although frequently professionals may call themselves “financial planners,” only those who have fulfilled the rigorous requirements of the CFP Board can display the CFP® mark. It signifies a deep knowledge of topics such as the financial planning process, retirement planning, tax planning, and estate planning strategies. It also means she has a proficiency and ease when talking with your other outside advisors, such as your CPA and attorney.
National Football League Players Association (NFLPA) Registered Institutional Player Financial Advisor –Bobbi holds this designation from the NFLPA as a vetted Financial Advisor who meets the educational, experiential and regulatory standards established by the NFLPA, while submitting to due diligence checks and abiding by a code of conduct.
Education
Bachelor of Arts - International Business & Italian, 1982
Minor in Equestrian Studies
Lake Erie College
Painesville, OH
Dante Alighieri School for Foreigners
Florence, Italy
Kellett Riding School
Kill, County Kildare, Ireland
CERTIFIED FINANCIAL PLANNER™
CFP® Board
Washington, D.C.
CFP® Certification Professional Education
College for Financial Planning
Centennial, CO
Accredited Investment Fiduciary® (AIF®)
Fi360
Pittsburgh, PA
Life, Health, Long Term Care & Variable Annuity Insurance Licensed
Financial Planning Specialist Designation (FPS)
Minor in Equestrian Studies
Lake Erie College
Painesville, OH
Dante Alighieri School for Foreigners
Florence, Italy
Kellett Riding School
Kill, County Kildare, Ireland
CERTIFIED FINANCIAL PLANNER™
CFP® Board
Washington, D.C.
CFP® Certification Professional Education
College for Financial Planning
Centennial, CO
Accredited Investment Fiduciary® (AIF®)
Fi360
Pittsburgh, PA
Life, Health, Long Term Care & Variable Annuity Insurance Licensed
Financial Planning Specialist Designation (FPS)
Associations
NFLPA Registered Institutional Player Financial Advisor
Portfolio Management Institute (PMI)
Association of Professional Investment Consultants (APIC)
Pepperdine Parents Program (Former Member)
Pepperdine University
Malibu, CA
Richland County Public Library, Columbia, SC
Riverbanks Zoo, Columbia, SC
Our Lady of the Lake C.C., Chapin, SC
Hammond Skyhawk Parent Association (Former Member)
Carolina Aquatics Swim Team Parent (Former Member)
Portfolio Management Institute (PMI)
Association of Professional Investment Consultants (APIC)
Pepperdine Parents Program (Former Member)
Pepperdine University
Malibu, CA
Richland County Public Library, Columbia, SC
Riverbanks Zoo, Columbia, SC
Our Lady of the Lake C.C., Chapin, SC
Hammond Skyhawk Parent Association (Former Member)
Carolina Aquatics Swim Team Parent (Former Member)
Securities Licensing
Series 3 - Commodity Licensed
Series 6 - Investment Company Products/Variable
Contracts Representative
Series 7 - General Securities Representative
Series 9 & 10 - General Securities Sales Supervisor Qualified
Series 63 - Uniform State Exam
Series 65 - Investment Advisory Agent
Series 6 - Investment Company Products/Variable
Contracts Representative
Series 7 - General Securities Representative
Series 9 & 10 - General Securities Sales Supervisor Qualified
Series 63 - Uniform State Exam
Series 65 - Investment Advisory Agent
Awards
30 Years Loyal Service Award
Morgan Stanley
Century Council Member
Smith Barney
Morgan Stanley
Century Council Member
Smith Barney
Working Together
“In addition to Businesses and Non-profit organizations, many of my clients are high net-worth entrepreneurs, professionals, athletes, entertainers, and retirees who enjoy implementing a solid, sensible, well-balanced game-plan for striving to meet their goals and objectives. Perhaps the common thread is that my clients are open-minded, forward-thinking and goal-oriented people.
My clients and I enjoy working together. We share ideas and maintain an open line of communication. My clients know that I am readily accessible to them, prepared to assist them and dedicated to serving them. My clients hear from me on an on-going basis and I seek to establish and maintain a solid long-term relationship with them and their families.
The frequency of client meetings will vary depending on client interest. I encourage my clients to meet with me at least annually to review their investments. However, I am flexible and willing to adapt to what is appropriate for them. When we meet, I use a profile questionnaire to gather client data. I also ask that they bring any recent investment statements (including retirement plans), information on insurance, such as life, annuities and long-term care, a recent tax return and any trust documents, wills, powers of attorney and living wills with them. I tend towards developing a long-term relationship with my clients and I maintain information that I add to as I learn more about them. I will analyze and evaluate the qualitative and quantitative financial data. I develop and present them with their financial and investment recommendations. It is at this time that I will describe the scope of the engagement and the pricing. If it is agreed, we move forward with implementing the financial planning recommendations and I monitor them. The majority of my clients work with me in Advisory fee-based investing, which I encourage when appropriate. The financial planning that I provide consists of strategies to address overall wealth planning, retirement, retirement income planning, estate, education, lifestyle-management and insurance needs, such as life, annuities, and long-term care, primarily.
My key to success is to know that at the end of each day, I should feel good about what I have done, who I have served, about tomorrow and have a blissful balance in life in the process!”
Disclaimers:
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Morgan 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.
My clients and I enjoy working together. We share ideas and maintain an open line of communication. My clients know that I am readily accessible to them, prepared to assist them and dedicated to serving them. My clients hear from me on an on-going basis and I seek to establish and maintain a solid long-term relationship with them and their families.
The frequency of client meetings will vary depending on client interest. I encourage my clients to meet with me at least annually to review their investments. However, I am flexible and willing to adapt to what is appropriate for them. When we meet, I use a profile questionnaire to gather client data. I also ask that they bring any recent investment statements (including retirement plans), information on insurance, such as life, annuities and long-term care, a recent tax return and any trust documents, wills, powers of attorney and living wills with them. I tend towards developing a long-term relationship with my clients and I maintain information that I add to as I learn more about them. I will analyze and evaluate the qualitative and quantitative financial data. I develop and present them with their financial and investment recommendations. It is at this time that I will describe the scope of the engagement and the pricing. If it is agreed, we move forward with implementing the financial planning recommendations and I monitor them. The majority of my clients work with me in Advisory fee-based investing, which I encourage when appropriate. The financial planning that I provide consists of strategies to address overall wealth planning, retirement, retirement income planning, estate, education, lifestyle-management and insurance needs, such as life, annuities, and long-term care, primarily.
My key to success is to know that at the end of each day, I should feel good about what I have done, who I have served, about tomorrow and have a blissful balance in life in the process!”
Disclaimers:
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Morgan 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.
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Watch our video hereClient Service Team
Erik Kuschner - Registered Client Service Associate
Phone:
(704) 571-3210(704) 571-3210
Email:Erik.Kuschner@morganstanley.com
Erik delivers exceptional service and administrative support for the team and our clients. He handles our clients’ day-to-day financial needs, including account maintenance, trades, withdrawals, and money movement.
Prior to joining Morgan Stanley, Erik served as an equities trader at Wells Fargo.
He is a graduate of the James Madison University College of Business.
Prior to joining Morgan Stanley, Erik served as an equities trader at Wells Fargo.
He is a graduate of the James Madison University College of Business.
Michael Feld - Registered Client Service Associate
Phone:
(704) 442-3455(704) 442-3455
Email:Michael.Feld@morganstanley.com
Michael began his professional career as an intern with Morgan Stanley’s Scottsdale, Arizona branch. Upon earning his degree in Economics from Indiana University of Bloomington, he transitioned to a full-time role with Morgan Stanley in May 2023. At the start of 2024, Michael returned to his hometown of Charlotte, North Carolina, where he continues his career as an Associate with the firm. Outside of his professional pursuits, Michael has a passion for the culinary arts and is an avid scuba diving enthusiast.
Location
1320 Main St
Ste 800
Columbia, SC 29201
US
Direct:
(803) 343-8856(803) 343-8856
Toll-Free:
(800) 438-5570(800) 438-5570
Fax:
(843) 628-6715(843) 628-6715
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Jared M. Bush
Jared Bush is a Private Banker serving Morgan Stanley Wealth Management offices in the Carolinas.
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.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
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.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
NMLS#: 619654
Wealth Management
From My Desk
Bobbi Presper Named NFLPA Registered Institutional Player Financial Advisor
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact Bobbi Presper 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’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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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
10Morgan 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.
11Investors 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.
12Morgan 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.
13Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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’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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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
10Morgan 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.
11Investors 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.
12Morgan 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.
13Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
