Phone:
(580) 786-3101(580) 786-3101
Industry Award WinnerOur Mission Statement
For every client we serve, our team's mission is to give you a high-quality financial plan, that is built with the appropriate investments to help you achieve your goals.
Our Story and Services
At the Bowling Legacy Group at Morgan Stanley, our deep-rooted experience, spanning over two centuries combined, is dedicated to empowering your financial journey. We are a cohesive team of 13 members, including 8 Financial Advisors, all working diligently to prioritize what's best for you.
In today's ever-evolving financial landscape, it's crucial to have a trusted partner to navigate it with. That's why, in 2023, we united under a single banner: to create a clear roadmap tailored to your aspirations. We want to equip you with the knowledge and insight to make confident financial decisions, each step of the way.
Our client-centric four-step process ensures that your financial strategy isn't just personalized but also agile and responsive:
1. Discovery: Understanding your unique story and aspirations.
2. Analysis & Recommendation: Harnessing our collective expertise to design strategies that align with your goals.
3. Implementation: Activating a plan tailored to your vision.
4. Reviewing Objectives: Continual assessment to ensure we're on track to meet your evolving needs.
Being a part of the Morgan Stanley family amplifies our promise. Not only do we offer an expansive range of products beyond traditional investments, but we also provide access to industry's top-tier analysts and experts. Your financial aspirations deserve nothing less than the best, and we're here to deliver just that.
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.
Resources
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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, Insurance Planning Director
Phone:
(580) 354-7470(580) 354-7470
Shyrle Davis
Client Service Associate
Phone:
(580) 786-3103(580) 786-3103
Tisha Rother
Registered Client Service Associate
Phone:
(580) 354-7466(580) 354-7466
Amy Reyes
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: CA, WA, VA, OK, ME, NV, NM, NE, IN, ND, MT, MO, GA, DC, AR, TX, AZ, OH, PA, ID, FL, AL, IL, NY, NC, MI, SD, SC, HI, CO, OR, NJ, NH, MS, MD, KS, WI, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2512760
NMLS#: 2512760
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.
About Tisha Rother
Tisha was raised in the small town of Eakly, Oklahoma where she attended Eakly High School. After high school, she attended Cameron University in Lawton where she was awarded the Presidential Leaders and University Scholars Scholarship and was a member of the Lady Aggie Basketball team for two years. She graduated with her Bachelor of Science degree in Health and Physical Education from Cameron University in 2002. After graduation, Tisha continued her education and in 2004 earned her Associate in Applied Sciences degree for the Physical Therapist Assistant from Southwestern Oklahoma State University. Upon graduation, Tisha worked at Comanche County Memorial Hospital as a physical therapist assistant for two years. Tisha continued her physical therapy career working with the geriatric population in various facilities throughout the community for several years. Tisha then took a position with Lawton Public Schools treating special needs children and providing physical therapy services. After nine years with LPS and fourteen years as a PTA, Tisha decided to take a different career path. She entered the financial business world in 2018 working alongside her husband, Chad Rother. She has since completed her Series 7 and Series 66 licenses and is employed as a Registered Client Service Associate. Tisha spends most of her free time at baseball fields and in gymnasiums watching her kids participate in basketball, volleyball, and baseball. Tisha is active in her local church and is the proud dog mom of three energetic German Shepherds.
Contact Ted L Bowling
Contact Chad 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
What's it like to work with a Morgan Stanley 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
Overcoming Your 5 Biggest Retirement Challenges
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
Rational Investing in an Age of Uncertainty
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)