Phone:
(580) 786-3101(580) 786-3101
Industry Award WinnerOur Mission Statement
We help people approach retirement with confidence and clarity by guiding them through the financial planning process to define, prioritize, and achieve their goals.
Our Story and Services
At the Bowling Legacy Group, we strive to help individuals and families prepare for retirement with confidence and clarity. Retirement is more than just a number-it's about having a plan designed to help support the life you want to live. Our role is to help you develop an approach for converting savings into a tax aware income strategy designed to help support your goals in retirement. We work toward this through a comprehensive financial planning process to help align your investments, cash flow and long-term objectives to help create a clearer path forward.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Wealth ManagementFootnote2
- Life InsuranceFootnote3
- Long-term Care InsuranceFootnote4
- Business PlanningFootnote5
- Cash Management and Lending ProductsFootnote6
- Certificates of DepositFootnote7
- Corporate Retirement PlansFootnote8
- Estate Planning StrategiesFootnote9
- Financial PlanningFootnote10
- 529 PlansFootnote11
- AnnuitiesFootnote12
- Asset Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Retirement Planning
Most of us have numerous goals, but none as important as securing a comfortable retirement. The Bowling Legacy Group is here to assist in creating a comprehensive approach to welath planinning for retirement. We believe that a successful retirement planning strategy must meet the following criteria:
Your plan should be customized to reflect what you care about most. It should address both the goals you hope to achieve and the risk of outliving your assets.
Your plan should address the shifting nature of issues and unknowns you face at different stages of your life.
Your plan should consider risks beyond market volatility—inflation, for example—that can make expenses more difficult to meet.
Your plan should seek to mitigate judgment and behavioral risks such as panic selling in difficult markets or overspending.
Your plan should seek to minimize taxes and fees.
Your plan should evaluate the appropriateness of hedging products such as annuities or other strategies that can reduce the risk you won't have sufficient income at retirement.
Your plan should be responsive to changes both in your life and the financial markets.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Location
2270 N Highway 81
Suite 112
Duncan, OK 73533
US
Direct:
(580) 251-9198(580) 251-9198
601 SW C Ave
Suite 100
Lawton, OK 73501
US
Direct:
(580) 354-7470(580) 354-7470
6305 Waterford Blvd.
Suite 240
Oklahoma City, OK 73118
US
Direct:
(405) 843-3326(405) 843-3326
Meet Bowling Legacy Group
Senior Vice President, Financial Advisor, Government Entity Specialist, Financial Planning Specialist, Portfolio Management Director
Phone:
(580) 354-7470(580) 354-7470
Phone:
(580) 354-7466(580) 354-7466
Shyrle Davis
Client Relationship Analyst
Phone:
(580) 786-3103(580) 786-3103
Amy Reyes
Client Relationship Analyst
Phone:
(580) 786-3109(580) 786-3109
About Ted L Bowling
Ted Bowling has 42 years of experience as a financial advisor and was named by Barron's as one of American's Top 1000 advisors in 2013. Ted opened his practice in 1982 focusing on individuals and families. Ted is a graduate of Wabash College in Crawfordsville, IN. He also has a Master of International Management from American Graduate School of International Management in Glendale, AZ. Ted is married to Nancy, has 5 children and 12 grandchildren.
Securities Agent: CO, PA, SC, OH, CA, WA, OK, MO, OR, TX, NY, MS, WI, NE, LA, TN, NH, NC, ME, FL, DC, AR, IL, NV, ND, GA, AL, NJ, MT, KS, ID, SD, NM, MI, MD, AZ, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1316543
CA Insurance License #: 0H41747
NMLS#: 1316543
CA Insurance License #: 0H41747
About Chad Rother
Chad Rother was born in the small town of Okarche, Oklahoma and was raised in Lawton. Chad began his journey towards being a financial advisor while working in his father’s family business for 14 years. Chad learned the ins and outs of running a small business and enjoyed the personal relationship with their customers. Equipped with invaluable knowledge and a strong desire to assist other business owners like his father, he ventured into the financial business world. Chad began as a financial advisor for Waddell and Reed and within two years, became district manager before moving to Morgan Stanley. He was able to acquire well-rounded experience in retirement plans, insurance, financial planning, and investment products during his time at Waddell and Reed.
In 2010, Chad joined Morgan Stanley as a Financial Advisor and believes in putting his clients’ interests first by helping them pursue their personal financial goals and objectives. Chad takes a holistic approach to wealth planning and focuses on retirement planning, investments, and comprehensive wealth management strategies for businesses, families, and individuals.
In 2008, Chad earned the Chartered Retirement Planning Counselor designation from the College of Financial Planning and most recently achieved Portfolio Management Director as well as Insurance Planning Director at Morgan Stanley.
Over the last 20 years, Chad has focused on earning the reputation of truly understanding his clients, their lives, their plans, their interests-seeking to achieve their financial goals and leave the legacy they desire. He takes great pride in doing what is best for his clients and aims to provide them with high quality service and guidance.
Chad currently resides in Cache, Oklahoma with his wife Tisha and two children. He is an active member of the Lawton Ambucs and has served as chairman, past president, board member, and ramp chairman for this local charity organization, whose mission is to create mobility and independence for people and children with disabilities. Chad is active in his church and currently serves on the finance committee. In his leisure time, Chad enjoys attending his kids baseball, basketball, and volleyball activities.
In 2010, Chad joined Morgan Stanley as a Financial Advisor and believes in putting his clients’ interests first by helping them pursue their personal financial goals and objectives. Chad takes a holistic approach to wealth planning and focuses on retirement planning, investments, and comprehensive wealth management strategies for businesses, families, and individuals.
In 2008, Chad earned the Chartered Retirement Planning Counselor designation from the College of Financial Planning and most recently achieved Portfolio Management Director as well as Insurance Planning Director at Morgan Stanley.
Over the last 20 years, Chad has focused on earning the reputation of truly understanding his clients, their lives, their plans, their interests-seeking to achieve their financial goals and leave the legacy they desire. He takes great pride in doing what is best for his clients and aims to provide them with high quality service and guidance.
Chad currently resides in Cache, Oklahoma with his wife Tisha and two children. He is an active member of the Lawton Ambucs and has served as chairman, past president, board member, and ramp chairman for this local charity organization, whose mission is to create mobility and independence for people and children with disabilities. Chad is active in his church and currently serves on the finance committee. In his leisure time, Chad enjoys attending his kids baseball, basketball, and volleyball activities.
Securities Agent: ND, MT, MO, GA, DC, AR, SD, SC, HI, CO, OR, NJ, NH, MS, MD, KS, WI, LA, CA, PA, IL, ID, FL, AL, WA, VA, OK, ME, TN, NY, NC, MI, OH, TX, AZ, NV, NM, NE, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2512760
NMLS#: 2512760
About Tisha Rother
Tisha was raised in Eakly, Oklahoma and graduated from Cameron University with a Bachelor of Science degree in Health and Physical Education where she was a member of the Lady Aggies basketball team and a recipient of the Presidential Leaders and University Scholars Scholarship. She later earned an Associate of Applied Science degree as a Physical Therapist Assistant from Southwestern Oklahoma State University.
Tisha spent 14 years serving others as a Physical Therapist Assistant in hospitals, long-term care facilities, and school settings before transitioning into the financial services industry in 2018. She spent six years as a Registered Client Service Associate at Morgan Stanley, gaining valuable experience supporting clients and developing a strong foundation in financial planning and client service.
Today, Tisha serves as a Financial Advisor helping individuals and families plan for their future and pursue their financial goals. She works alongside her husband, Chad Rother, who is also a Financial Advisor, as they work to build lasting relationships with their clients and guide them as they help plan, grow, and protect their wealth.
Outside of the office, Tisha enjoys spending time watching her kids participate in baseball and volleyball. She is an active member of her local church and is the proud mom to 2 German Shepherds and one sweet rescue dog.
Tisha spent 14 years serving others as a Physical Therapist Assistant in hospitals, long-term care facilities, and school settings before transitioning into the financial services industry in 2018. She spent six years as a Registered Client Service Associate at Morgan Stanley, gaining valuable experience supporting clients and developing a strong foundation in financial planning and client service.
Today, Tisha serves as a Financial Advisor helping individuals and families plan for their future and pursue their financial goals. She works alongside her husband, Chad Rother, who is also a Financial Advisor, as they work to build lasting relationships with their clients and guide them as they help plan, grow, and protect their wealth.
Outside of the office, Tisha enjoys spending time watching her kids participate in baseball and volleyball. She is an active member of her local church and is the proud mom to 2 German Shepherds and one sweet rescue dog.
Securities Agent: MD, OH, NH, NC, GA, CA, MT, NE, LA, DC, CO, SC, ND, TX, TN, PA, ID, NM, NJ, KS, AZ, OK, FL, AR, AL, WI, WA, VA, MO, ME, NY, NV, MS, MI; General Securities Representative; Investment Advisor Representative
About Shyrle Davis
Shyrle joined Morgan Stanley in October of 2013. Shyrle's 29 years of experience in the financial services industry are highlighted by the strong relationships she has built with clients and colleagues. Her focuses are in business administration, operations and estate document processing. Shyrle's attention to detail and care for creating a positive experience is seen when she is servicing our clients' needs, assisting prospective clients with the account opening process, facilitating clients' cash flow needs, and other special projects to enhance the client experience. Some of her many passions include walking her dogs and shopping. Most of her family live in the area where Shyrle was born and raised. She has one grown daughter that teaches first grade.
Contact Ted L Bowling
Contact Chad Rother
Contact Tisha Rother
Awards and Recognition
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Wealth Management
From Our Team
Iran Conflict: Seven Takeaways for Investors
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
What to Do If You Are Off Track on Your Goals
Article Image
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
Article Image
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Bowling Legacy Group today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
8When 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.
9Morgan 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.
10Morgan 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.
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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
8When 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.
9Morgan 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.
10Morgan 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.
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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
