Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(309) 671-2862(309) 671-2862
Bork Sutton Group at Morgan Stanley
Our Mission Statement
The Bork Sutton Group is devoted to providing long-term value by servicing our client’s interests first and building a sustainable future through the proper mobilization of capital. Our team prides itself for acting with integrity and we believe that character is not a commodity that can be purchased. Together, we drive innovation and constantly search for the best ways to preserve and grow wealth.
Our Story and Services
Our focus is to provide you, your family and your business with transformational advice about: Asset Management, Liability Management and Legacy Planning.
We will provide ”thought leadership” to guide you toward achieving outcomes you desire for your Family, Business and Charitable endeavors. Our team works closely with you, as we provide innovative solutions for the multi-dimensional aspects of your financial affairs. We will design customized strategies to help manage and preserve your wealth.
We are committed to serving as your family’s Chief Financial Officer (CFO) to guide you through both ordinary and unforeseen events of life.
You can expect access to our entire team, firm resources, and ongoing due-diligence, with world-class service, as we work to provide you with sound financial advice and leadership.
We will provide ”thought leadership” to guide you toward achieving outcomes you desire for your Family, Business and Charitable endeavors. Our team works closely with you, as we provide innovative solutions for the multi-dimensional aspects of your financial affairs. We will design customized strategies to help manage and preserve your wealth.
We are committed to serving as your family’s Chief Financial Officer (CFO) to guide you through both ordinary and unforeseen events of life.
You can expect access to our entire team, firm resources, and ongoing due-diligence, with world-class service, as we work to provide you with sound financial advice and leadership.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Trust AccountsFootnote3
- Sustainable InvestingFootnote4
- Professional Portfolio ManagementFootnote5
- Planning for Education FundingFootnote6
- Financial PlanningFootnote7
- 401(k) Rollovers
- Estate Planning StrategiesFootnote8
- Certificates of DepositFootnote9
- Alternative InvestmentsFootnote10
- Precious MetalsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
As your life and career evolve, so do your goals. We help answer your critical financial questions and adopt your strategy to meet your changing needs. Here are just some of the questions we help our clients answer every day:
Will I be able to retire on my current timetable?
Where will my retirement income come from? Will my 401(K) plan be enough?
Can we afford a vacation home?
Can my family manage my assets without me?
How much should I save on cost of education?
Can I help mu child with a start-up business idea?
What is best approach for talking to our children about our family wealth?
How do I help my children and their families prepare for the financial futures?
Will I be able to retire on my current timetable?
Where will my retirement income come from? Will my 401(K) plan be enough?
Can we afford a vacation home?
Can my family manage my assets without me?
How much should I save on cost of education?
Can I help mu child with a start-up business idea?
What is best approach for talking to our children about our family wealth?
How do I help my children and their families prepare for the financial futures?
COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2024 federal tax tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Retirement
Leading up to and through retirement, Bork Sutton Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Professional Asset Management
Your contributions are professionally managed and invested, allowing for potential growth of assets. In our Investing with Impact Pools, assets have the potential to grow tax-free, and generate positive environmental and social impact.
CYBERSECURITY RESOURCE CENTER
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Online Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Family Office Cybersecurity
Family Offices are particularly vulnerable to cyber threats and the dangers of ransomware are real. Consider these best practices to protect your information and assets in an increasingly complex digital world.
Cloud Computing
As companies accelerate the move to cloud computing, cybersecurity challenges have intensified. Learn how two key software markets are poised to converge to mitigate new threats.
Protecting your Smart Devices
Smart devices, we can’t live without them. But they can present security risks. Here’s how to protect yourself:
Cryptocurrency Scams
Cryptocurrency is attracting a lot of attention lately—including from cybercriminals. Learn more about this digital currency, as well as some popular scams being perpetrated by fraudsters.
Cybersecurity for College Students
College students may not be too concerned about being a target for hackers. Find out why cybercriminals may prey on students and how they can protect themselves.
Protecting your Digital Footprint
Worried about how much of your personal information is available online? See how you can manage your digital footprint.
Phone Security
Do you pay as much attention to protecting the security of your phone as your computer? Find out why you should.
Legacy Planning
Managing your family's wealth is so much more than simply reaching a desired return. To learn more about how we at Morgan Stanley help you leave a legacy that lasts, beyond just the numbers, please view the video above.
Location
211 Fulton St
Ste 500A
Peoria, IL 61602
US
401 Main Street
Suite 1000
Peoria, IL 61602
US
Direct:
309671286230967128423096712848309671286230967128423096712848
Meet Bork Sutton Group
About Michael Bork
About Michael Bork
Michael Bork graduated from Arizona State University with a Bachelor’s of Science degree in Business Administration. Michael is a product of an entrepreneurial home, where his family operated and owned a thriving small business that inspired him to pursue a profession in wealth management. His natural interests led him to starting his career at Morgan Stanley in 1985.
A Senior Vice President, Financial Planning Specialist, and Financial Advisor, Michael embodies the core values of the firm and can be described by his clientele as committed, thorough, responsive, innovative, and reliable. His modern approach to wealth planning allows him to explore, advise, and invest his client’s assets, while tracking their progress with a focus on achieving greater results.
Michael believes that one of his secrets to success is his ability to listen intently to his client’s needs, while also considering the wealth of their future generations. He and his team’s use of Morgan Stanley’s resources provides them with the necessary tools to conduct comprehensive planning and tracking of results to manage asset allocations, for achieving client goals.
“Developing minds and changing lives can be so rewarding,” he denotes. A theology that fuels his and his wife’s passion and interests surrounding philanthropy, specifically in the areas of feeding the disenfranchised, medical research and performing arts fields. Organizations such as Feed America, Invictus Woods, the Peoria Art Guild, and Heartland Festival Orchestra have all benefited from the Bork family’s generous support.
Michael Bork graduated from Arizona State University with a Bachelor’s of Science degree in Business Administration. Michael is a product of an entrepreneurial home, where his family operated and owned a thriving small business that inspired him to pursue a profession in wealth management. His natural interests led him to starting his career at Morgan Stanley in 1985.
A Senior Vice President, Financial Planning Specialist, and Financial Advisor, Michael embodies the core values of the firm and can be described by his clientele as committed, thorough, responsive, innovative, and reliable. His modern approach to wealth planning allows him to explore, advise, and invest his client’s assets, while tracking their progress with a focus on achieving greater results.
Michael believes that one of his secrets to success is his ability to listen intently to his client’s needs, while also considering the wealth of their future generations. He and his team’s use of Morgan Stanley’s resources provides them with the necessary tools to conduct comprehensive planning and tracking of results to manage asset allocations, for achieving client goals.
“Developing minds and changing lives can be so rewarding,” he denotes. A theology that fuels his and his wife’s passion and interests surrounding philanthropy, specifically in the areas of feeding the disenfranchised, medical research and performing arts fields. Organizations such as Feed America, Invictus Woods, the Peoria Art Guild, and Heartland Festival Orchestra have all benefited from the Bork family’s generous support.
Securities Agent: IA, UT, OH, NM, MD, LA, KS, ID, CT, AR, MA, CA, RI, OR, OK, NY, WY, WI, WA, NJ, FL, VT, TX, TN, SD, NC, MO, MI, GA, DC, CO, MN, IN, IL, VA, ME, AZ, PA, SC, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1262214
NMLS#: 1262214
About Jeremy Sutton
Jeremy Sutton received his Bachelor’s of Science in Marketing from Illinois State University, and began his career in business working for Fortune 500 company, where he underwent their world-class sales training program. It was there that he gained a plethora of experience in both sales and financing. That experience helped him directly transition into his next calling as a Family Wealth Advisor.
Jeremy started in the financial services industry in 2006 at Smith Barney, who was later acquired by Morgan Stanley in 2010. As a Senior Vice President and Financial Advisor, Jeremy is passionate about his clients and strives to go above and beyond to service their needs while growing, preserving and distributing their wealth. Because of their reluctance to take on just any client, Jeremy and his team are able to build closer, more intimate, relationships with their households. His business and investing approach is designed around helping families meet and exceed their financial goals.
While he has become friends with many of his clients, Jeremy spends the majority of his leisure time with his wife Lesley, and their five children. The adventurous bunch enjoy outdoor activities together such as camping, canoeing, hiking, fishing, snowboarding, and golfing. Jeremy is also actively involved in several community organizations through his local church.
When asked what drives him, Jeremy notes, “I have always been fascinated by the financial markets. I began investing at an early age and knew that my career would end up in finance. I truly believe in the benefit that I, and my office, provide to our clients.”
Jeremy started in the financial services industry in 2006 at Smith Barney, who was later acquired by Morgan Stanley in 2010. As a Senior Vice President and Financial Advisor, Jeremy is passionate about his clients and strives to go above and beyond to service their needs while growing, preserving and distributing their wealth. Because of their reluctance to take on just any client, Jeremy and his team are able to build closer, more intimate, relationships with their households. His business and investing approach is designed around helping families meet and exceed their financial goals.
While he has become friends with many of his clients, Jeremy spends the majority of his leisure time with his wife Lesley, and their five children. The adventurous bunch enjoy outdoor activities together such as camping, canoeing, hiking, fishing, snowboarding, and golfing. Jeremy is also actively involved in several community organizations through his local church.
When asked what drives him, Jeremy notes, “I have always been fascinated by the financial markets. I began investing at an early age and knew that my career would end up in finance. I truly believe in the benefit that I, and my office, provide to our clients.”
Securities Agent: NV, PA, TX, WV, MA, WI, WA, VA, TN, SD, SC, OR, OK, NY, NM, NC, MO, MN, MI, ME, MD, LA, IN, IL, ID, IA, GA, FL, DC, CT, CO, CA, AZ, AR, RI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2170776
NMLS#: 2170776
Contact Michael Bork
Contact Jeremy Sutton
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Bork Sutton Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
4The 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8Morgan 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.
9Investors 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.
10Alternative 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.
11Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
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
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.
3Morgan 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.
4The 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8Morgan 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.
9Investors 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.
10Alternative 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.
11Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
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
CRC 6491812 (04/2024)
