Phone:
(580) 786-3101(580) 786-3101
Bowling Legacy Group at Morgan Stanley
Our 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 11 members, including 5 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
2023 Tax Tables
Click here to learn more
Understanding IRA Required Minimum Distributions
Click here to learn more
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
Phone:
(580) 786-3106(580) 786-3106
Senior Vice President, Financial Advisor, Government Entity Specialist, Financial Planning Specialist, Portfolio Management Director, Insurance Planning Director
Phone:
(580) 354-7470(580) 354-7470
Phone:
(580) 786-3107(580) 786-3107
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Manager, Certified Investment Management Analyst
Phone:
(972) 774-6515(972) 774-6515
Jessi Nippert
Financial Advisor
Phone:
(918) 586-7073(918) 586-7073
Lindsey Loredo
Financial Advisor
Phone:
(918) 586-7072(918) 586-7072
Shyrle Davis
Client Service Associate
Phone:
(580) 786-3103(580) 786-3103
Megan Schieber
Registered Client Service Associate
Phone:
(580) 786-3108(580) 786-3108
Tisha Rother
Registered Client Service Associate
Phone:
(580) 354-7466(580) 354-7466
Amy Reyes
Phone:
(580) 786-3109(580) 786-3109
Megan Lederer
Phone:
(580) 786-3097(580) 786-3097
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: NJ, MT, KS, ID, SD, NM, MI, MD, AZ, VA, PA, TX, NY, MS, WI, NE, LA, CO, TN, NH, NC, ME, FL, DC, AR, SC, OH, CA, WA, OK, MO, OR, NV, ND, GA, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1316543
CA Insurance License #: 0H41747
NMLS#: 1316543
CA Insurance License #: 0H41747
About Dustin Stanton
Securities Agent: NV, SD, MO, NE, OH, NJ, AR, WI, VT, IN, MI, AL, SC, NH, KS, FL, WA, TX, CO, NY, ME, VI, VA, AZ, TN, OR, OK, NC, GA, NM, MS, MD, LA, ID, CA, PA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 508293
NMLS#: 508293
About Chad Rother
Securities Agent: OK, CO, NJ, NH, MS, MD, KS, WI, LA, CA, TX, AZ, OH, PA, ID, FL, AL, WA, VA, ME, NV, NM, NE, IN, TN, ND, MT, MO, GA, DC, AR, OR, NY, NC, MI, SD, SC, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2512760
NMLS#: 2512760
About Ann Nash
Securities Agent: WI, WA, NE, ND, NC, MT, MD, KS, ID, VT, TX, TN, FL, SC, PA, OH, MI, IN, PR, NM, LA, CO, VI, VA, SD, ME, CA, OK, NY, NH, IL, AZ, AL, OR, GA, MS, MO, DC, NV, NJ, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 582519
NMLS#: 582519
About Connor Howell
Securities Agent: IN, LA, MA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, KS, ID, MD, ME, AL, AR, AZ, CA, CO, CT, FL, GA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1934158
NMLS#: 1934158
About Jessi Nippert
Meet Jessi, a passionate financial advisor and leading member of The Nippert-Loredo Group at Morgan Stanley.
I began my career as an advisor in 2007, right in my hometown of Tucson, AZ. Through personal experience, I've learned firsthand how solid financial planning and investment advice can truly make or break a family's financial future.
In my early 20s, I went through a stressful family financial experience that had a profound impact on me. It was during that time that I became dedicated to helping other families navigate their finances and avoid similar hardships. I firmly believe in the power of a holistic approach to financial management and planning, recognizing that every aspect of one's financial life is interconnected.
One of my areas of specialization lies in insurance planning for small business owners, farmers, and ranchers. Having grown up in a rodeo-involved family, I understand the unique challenges and risks faced by these individuals. I'm committed to providing tailored insurance solutions that protect their livelihoods and valuable assets.
To further enhance my expertise, I hold the portfolio management designation from Morgan Stanley. This enables me to create and manage customized investment portfolios for my clients. I take pride in giving them the opportunity to maximize returns while minimizing risks, ensuring their financial future is well-protected.
In addition to my portfolio management designation, I've also obtained my Certified Divorce Financial Analyst (CDFA) designation. This specialized knowledge allows me to offer valuable insights and support to clients navigating the financial complexities of divorce, ensuring they make informed decisions for their financial well-being.
Outside of my professional life, my family and I are heavily involved in the rodeo community. My daughter Alli is about to embark on her first year at Kansas State University on a rodeo scholarship, and I couldn't be prouder. My youngest daughter, Kashe, is also following closely in her big sister's footsteps. Together with my husband Garrison, we run a ranch in Copan, which brings us immense joy and fulfillment.
With my expertise, dedication, and genuine care for your financial well-being, you can trust me to provide exceptional guidance and support. I'm here to help you navigate different complexities and achieve your financial goals. Let's start this journey together by scheduling a complimentary consultation.
I began my career as an advisor in 2007, right in my hometown of Tucson, AZ. Through personal experience, I've learned firsthand how solid financial planning and investment advice can truly make or break a family's financial future.
In my early 20s, I went through a stressful family financial experience that had a profound impact on me. It was during that time that I became dedicated to helping other families navigate their finances and avoid similar hardships. I firmly believe in the power of a holistic approach to financial management and planning, recognizing that every aspect of one's financial life is interconnected.
One of my areas of specialization lies in insurance planning for small business owners, farmers, and ranchers. Having grown up in a rodeo-involved family, I understand the unique challenges and risks faced by these individuals. I'm committed to providing tailored insurance solutions that protect their livelihoods and valuable assets.
To further enhance my expertise, I hold the portfolio management designation from Morgan Stanley. This enables me to create and manage customized investment portfolios for my clients. I take pride in giving them the opportunity to maximize returns while minimizing risks, ensuring their financial future is well-protected.
In addition to my portfolio management designation, I've also obtained my Certified Divorce Financial Analyst (CDFA) designation. This specialized knowledge allows me to offer valuable insights and support to clients navigating the financial complexities of divorce, ensuring they make informed decisions for their financial well-being.
Outside of my professional life, my family and I are heavily involved in the rodeo community. My daughter Alli is about to embark on her first year at Kansas State University on a rodeo scholarship, and I couldn't be prouder. My youngest daughter, Kashe, is also following closely in her big sister's footsteps. Together with my husband Garrison, we run a ranch in Copan, which brings us immense joy and fulfillment.
With my expertise, dedication, and genuine care for your financial well-being, you can trust me to provide exceptional guidance and support. I'm here to help you navigate different complexities and achieve your financial goals. Let's start this journey together by scheduling a complimentary consultation.
Securities Agent: MI, MO, OK, OH, MD, AL, CO, AR, WI, WA, VA, TN, NM, LA, GA, TX, KS, SD, SC, NC, MS, PA, NJ, ME, FL, CA, AZ, NY, NH, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 2465050
NMLS#: 2465050
About Lindsey Loredo
Meet Lindsey, a seasoned financial advisor with over a decade of experience in the financial services industry.
I started my journey in 2009, driven by the belief that financial planning is not a one-size-fits-all situation. As a dedicated professional, I strive to provide personalized strategies that cater to the unique needs and aspirations of each client I serve.
Regular reviews and open communication are at the heart of my approach. I understand that life can throw unexpected challenges along the road to financial success. By maintaining regular check-ins with my clients, I ensure that we can make necessary adjustments whenever their plans encounter bumps in the road. Adaptability and proactive management are essential in helping my clients stay on track towards their goals.
I focus on working with women investors and under-served individuals and families, including minorities, the LGBTQ community, rural communities, and working class families. Recognizing the unique challenges faced by these groups, I am committed to creating a safe and inclusive space where everyone feels heard, understood, and empowered to take control of their financial future.
Supported by my team, Jessi Nippert holds a portfolio management designation from Morgan Stanley, we are able to create customized portfolios that we trade on a discretionary basis. This allows us to maximize investment opportunities while navigating market fluctuations and capitalizing on emerging trends.
Outside of my professional life, I find joy in spending time with my family in our home in Owasso. Alongside my husband, daughter Ava, son London, and our furry family members - three dogs and two cats - we enjoy traveling, exploring the outdoors, and running our crafting business.
When you choose me as your financial advisor, you can expect a compassionate and experienced professional who will go the extra mile to understand your goals, provide personalized guidance, and empower you to make informed financial decisions. Let's take the first step towards a brighter financial future by scheduling a complimentary consultation. I look forward to working with you.
I started my journey in 2009, driven by the belief that financial planning is not a one-size-fits-all situation. As a dedicated professional, I strive to provide personalized strategies that cater to the unique needs and aspirations of each client I serve.
Regular reviews and open communication are at the heart of my approach. I understand that life can throw unexpected challenges along the road to financial success. By maintaining regular check-ins with my clients, I ensure that we can make necessary adjustments whenever their plans encounter bumps in the road. Adaptability and proactive management are essential in helping my clients stay on track towards their goals.
I focus on working with women investors and under-served individuals and families, including minorities, the LGBTQ community, rural communities, and working class families. Recognizing the unique challenges faced by these groups, I am committed to creating a safe and inclusive space where everyone feels heard, understood, and empowered to take control of their financial future.
Supported by my team, Jessi Nippert holds a portfolio management designation from Morgan Stanley, we are able to create customized portfolios that we trade on a discretionary basis. This allows us to maximize investment opportunities while navigating market fluctuations and capitalizing on emerging trends.
Outside of my professional life, I find joy in spending time with my family in our home in Owasso. Alongside my husband, daughter Ava, son London, and our furry family members - three dogs and two cats - we enjoy traveling, exploring the outdoors, and running our crafting business.
When you choose me as your financial advisor, you can expect a compassionate and experienced professional who will go the extra mile to understand your goals, provide personalized guidance, and empower you to make informed financial decisions. Let's take the first step towards a brighter financial future by scheduling a complimentary consultation. I look forward to working with you.
Securities Agent: IL, FL, TX, SD, NJ, WA, AR, NE, MI, CO, AZ, AL, NY, MS, WI, PA, OH, NC, ME, KS, CA, OK, NM, NH, MD, GA, TN, SC, VA, MO, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2465051
NMLS#: 2465051
About Shyrle Davis
Shyrle joined Morgan Stanley in October of 2013. Shyrle's 27 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 Megan Schieber
Megan Schieber is a Registered Client Service Associate with Morgan Stanley. Prior to joining the firm in 2023, Megan was a Client Service Associate with Stanton and Associates at Merrill Lynch for 2.5 Years. During this time, she earned the Series 7 and 66 certifications, providing her with more industry knowledge and experience. She also worked as a Financial Center Manager at Bank of America for 5 years. She graduated from Oklahoma State University with her bachelor’s degree in management and marketing. Megan lives in Charleston, SC with her husband, Ryan, and their 2 children, James and Audrey.
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 Dustin Stanton
Contact Chad Rother
Contact Ann Nash
Contact Connor Howell
Contact Jessi Nippert
Contact Lindsey Loredo
Wealth Management
From Our Team
2024 Global Economic Midyear Outlook
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Portfolio Insights
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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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
2024 Global Economic Midyear Outlook
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
5 Steps to Create a Budget
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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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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.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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*.
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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
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.
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.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
