John Hudgens
Financial Advisor
Phone:
(501) 622-3208(501) 622-3208
Brad Hudgens, CIMA®
Managing Director, Wealth Management,
Wealth Advisor,
Senior Portfolio Manager
Direct:
(501) 622-3206(501) 622-3206
Toll-Free:
(800) 473-4033(800) 473-4033
My Mission Statement
To become and remain our clients' most trusted advisor through excellence in advice and service. We are not all things to all people, but we want to be everything to our clients.
My Story and Services
Brad Hudgens, President's Club Member, 2024
Morgan Stanley Wealth Management President's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President's Club membership is no guarantee of future performance.
Brad Hudgens is a native of Hot Springs and returned to the Spa City over twenty years ago. He is a Managing Director of Morgan Stanley, as well as a Senior Investment Management Consultant, along with his duties as Financial Advisor. Brad is also a Certified Investment Management Analyst (CIMA) through the Investment and Wealth Institute as well as a Lending Specialist through Morgan Stanley. He is a Forbes Best-in-State Wealth Advisor for the past four years and this past year has been add as a member of Morgan Stanley's prestigious President's Club.
Brad began his career in Little Rock. After several years with Merrill Lynch, he migrated into management. He spent a brief time living in New York City, before managing investment complexes in Minneapolis, Dallas, and St. Louis. Brad is an executive graduate of University of Pennsylvania's Wharton School of Business, which he achieved while working in Minneapolis.
He has served on numerous philanthropic boards, including Hot Springs National Park Rotary (former president and Rotarian of the Year), Boy Scouts of America's Quapaw Council, Arkansas Community Foundation (former board chairman), Arkansas Hospice Foundation, First United Methodist Church, Hot Springs Chamber of Commerce and Mid America Museum Foundation Board to name a few.
Brad's hobbies include culinary reviews in a state-wide magazine, tennis, pickleball, puns, traveling and cooking. He is married to Stacy Haggard Hudgens and has two children: Dr. Allison Hudgens Dinehart (Dr. Matt Dinehart) and John Hudgens (Justina).
As your Financial Advisor, Brad and his team can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, He can help you to preserve and grow your wealth. You will have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Securities Agent: DC, AZ, VT, UT, NJ, NC, KS, IA, AR, WI, NM, HI, IN, KY, CA, TX, TN, OH, MS, MN, MA, DE, CT, AL, NY, MO, LA, GA, FL, VA, OK, IL, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1406554
AR Insurance License #: 6917224
NMLS#: 1406554
AR Insurance License #: 6917224
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & Recognitions
Forbes Best-In-State Wealth Advisor
Forbes presents the Best-In-State Wealth Advisor award to advisors who demonstrate great dedication to improving the lives of their clients. Recipients are nominated by their firm and then have their practice deeply analyzed by Forbes to answer one important question, “Is this someone that can offer impact, and we would recommend to a friend or family member?”
Years Awarded: 2024, 2023, 2022, 2021, 2020, & 2019
2024, 2023, 2022, 2021, 2020, & 2019 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2024, 2022, 2021, 2020, & 2019). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
Years Awarded: 2024, 2023, 2022, 2021, 2020, & 2019
2024, 2023, 2022, 2021, 2020, & 2019 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2024, 2022, 2021, 2020, & 2019). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
Certified Investment Management Analyst® CIMA®
The CIMA® certification indicates a financial advisor who has completed the rigorous education process offered by the Investments and Wealth Institute and has a proven track record of ethical conduct. They have also maintained their certification through two years of continuing education.
Working As a True Team
A tremendous part of what I do stems from the great work Shannon, Tricia, and Brenda do every day for our clients. They truly represent the backbone of what we do in our efforts to be everything to our clients. Below, you can see what each of them do specifically to help our clients day in and day out. In addition to what they do in the office, you can learn more about Shannon, Tricia, and Brenda by reading their bios in the "Meet My Team" section as well.
- Morgan Stanley Online
- Liquidity Access Line applications
- Beneficiary forms processing
- Power Of Attorney forms processing
- Funds Transfer Setup and Money Movement
- Marketing/Advertising
- Class Actions
- Equity Commission Discounts
- Expenses
- Team Building
- Community Involvement
- Retirement Disbursements
- New Accounts
- Unified Estates
- Checking account services
- Insurance and Annuities
- Facility Management
- RPM/VIPS
- 401k Plans
- IPOs and Cash Availability to Invest
- Client investment objectives
- Annual client reviews
- Portfolio grouping
- Financial planning
- Rollover analyses
- Mortgage services
- Goal setting
- Technology and communication efforts
- Scheduling for Brad, client events, and third-party vendors
Shannon Allen Handles And Provides Support For...
Tricia Rosson Handles...
Brenda Bahena Works With Brad In An Advisory Role Where She Handles...
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide you with comprehensive investing and planning solutions for your individual goals. Contact your Financial Advisor to start the conversation.
Learn More About GPS
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Spending & Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending & Budgeting Tool
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started TodayMedia, Research, and what we're doing
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape. Furthermore, take a peek of our lives outside the office and what we’ve been up to in our first newsletter.
Steps that May Reduce Your Taxes on Your Income and Portfolio
A key strategy for boosting long-term investment returns is being smart about tax efficiency.
Read The Article Here
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio InsightsLocation
4262 Central Ave
Ste A
Hot Springs, AR 71913
US
Direct:
(501) 622-3206(501) 622-3206
Toll-Free:
(800) 473-4033(800) 473-4033
Fax:
(501) 624-6311(501) 624-6311
Meet My Team
Shannon L. Allen
Client Service Associate
Phone:
(501) 622-3216(501) 622-3216
Tricia Rosson
Registered Client Service Associate
Phone:
(501) 622-3298(501) 622-3298
Brenda Bahena
Wealth Management Associate
Phone:
(501) 622-3233(501) 622-3233
About John Hudgens
John Bradford Hudgens is a native of Hot Springs, AR where he graduated from Lakeside High School. John was highly active in the Hot Springs community, achieving his Eagle Scout ranking, serving as Student Counsel President, and winning a 5A Tennis State Championship. John then received his undergraduate education at Southern Methodist University in Dallas, TX where he graduated Summa Cum Laude in Finance and Economics. John also holds a Master of Business Administration from University of Texas at Austin, McCombs School of Business. John remains active in his hobbies- tennis, hiking, camping, cooking, and hunting. He and his wife, Justina, recently relocated from Austin, TX. They are thrilled to be back in the wonderful community of Hot Springs.
Securities Agent: GA, TN, MN, UT, LA, KY, IL, FL, DC, NJ, MO, KS, IN, CT, IA, CO, OH, NY, NC, MA, AL, VT, VA, OK, AR, WI, NM, DE, CA, AZ, TX, MS, HI; General Securities Representative; Investment Advisor Representative
About Shannon L. Allen
Shannon Allen joined Team Hudgens in May 2022 eager to embrace a new industry. She is a first generation college graduate, determined to break the cycle and change the trajectory of future generations. Shannon earned her bachelor’s degree from the University of Arkansas at Fort Smith , majoring in Organizational Leadership with a Marketing emphasis. Her career background is primarily in healthcare as an administrative professional with over 16 years of experience in a broad range of disciplines. In the last two years she developed a sincere interest in this industry and began taking actionable steps to position herself for this opportunity.
Shannon is a Hot Springs native, graduating high-school from Christian Ministries Academy where her two children (Gideon and Scarlett) now attend. Just out of high-school she obtained and maintains her license in cosmetology. They are active members of Christian Ministries Church. She has volunteered serving meals for Hettie Lou Brooks Women’s Seminars for nearly three decades, participating in fund raisers for Our Promise Cancer Resources, and raising funds for a new school playground in memory of her late twin sister(also a CMA alum with two daughters enrolled there).
Shannon is a fan of laughter who enjoys cuddling with her dog Tucker, watching any sport her son plays, and being outdoors - hiking, running 5Ks with her kids, 4-wheeler adventures, or sitting around a campfire with friends & family. She is driven by an innate desire to be challenged and expand her skillset - adding value in this arena while working towards becoming a registered representative and serving our team/community, while advancing the mission of Henry Sturgis Morgan to provide “…only first class business… in a first class way ”.
Shannon is a Hot Springs native, graduating high-school from Christian Ministries Academy where her two children (Gideon and Scarlett) now attend. Just out of high-school she obtained and maintains her license in cosmetology. They are active members of Christian Ministries Church. She has volunteered serving meals for Hettie Lou Brooks Women’s Seminars for nearly three decades, participating in fund raisers for Our Promise Cancer Resources, and raising funds for a new school playground in memory of her late twin sister(also a CMA alum with two daughters enrolled there).
Shannon is a fan of laughter who enjoys cuddling with her dog Tucker, watching any sport her son plays, and being outdoors - hiking, running 5Ks with her kids, 4-wheeler adventures, or sitting around a campfire with friends & family. She is driven by an innate desire to be challenged and expand her skillset - adding value in this arena while working towards becoming a registered representative and serving our team/community, while advancing the mission of Henry Sturgis Morgan to provide “…only first class business… in a first class way ”.
About Tricia Rosson
Tricia Rosson joined our team in December 2021. She received her Bachelor of Science in Business Sales and Sales Management from Western Governor’s University. She has 18 years of experience in the financial industry, obtaining her series 7, series 66, series 63, and Life and Health licensures and joins us from Wells Fargo in Hot Springs where she was a Financial Advisor.
Her professional interests include helping clients achieve all aspects of preparedness and planning. Tricia resides in the Hot Springs area on her farm with an array of animals. She has several horses and enjoys trail riding when she has time. Tricia has 2 children (Logan and Courtney) and 3 grandchildren (Asher, Carsten, and Elizabeth) that she enjoys spending time with as frequently as possible.
Tricia embodies our core value that is “put clients first”. She is driven by her desire to improve processes that ensure the best possible client care and cultivate relationships with our clients to better understand their individual needs and goals. She loves planning client focused events and looks forward to every opportunity to engage in person.
Her professional interests include helping clients achieve all aspects of preparedness and planning. Tricia resides in the Hot Springs area on her farm with an array of animals. She has several horses and enjoys trail riding when she has time. Tricia has 2 children (Logan and Courtney) and 3 grandchildren (Asher, Carsten, and Elizabeth) that she enjoys spending time with as frequently as possible.
Tricia embodies our core value that is “put clients first”. She is driven by her desire to improve processes that ensure the best possible client care and cultivate relationships with our clients to better understand their individual needs and goals. She loves planning client focused events and looks forward to every opportunity to engage in person.
About Brenda Bahena
Brenda Bahena joined Team Hudgens at Morgan Stanley in February 2022. She quickly achieved Series 7 and Series 66 licensures and works closely alongside Brad in an advisory role. Brenda obtained her Bachelor’s from Henderson State University in 2018, majoring in Accounting and Business Management.
Brenda is originally from De Queen, Arkansas. After working in the hospitality industry for 6 years, she moved to Hot Springs in 2011 to open her first restaurant, Viña Morita. Brenda is a blessed mother of three, EJ, Jerry, and Cecilia. When she is not working or spending time with her family and friends, Brenda enjoys being outdoors, volunteering with her church and community, dancing, and cooking, especially from her Mexican heritage.
Brenda loves listening to stories and learning about others. She takes pride in carefully helping clients consider their investment strategies and risk boundaries. Being a first-generation college graduate has empowered her to help the next generation attain a roadmap to financial success and is what remains in the forefront of her mind when visiting with clients to prepare a customized financial plan that suits their individual needs.
Brenda is originally from De Queen, Arkansas. After working in the hospitality industry for 6 years, she moved to Hot Springs in 2011 to open her first restaurant, Viña Morita. Brenda is a blessed mother of three, EJ, Jerry, and Cecilia. When she is not working or spending time with her family and friends, Brenda enjoys being outdoors, volunteering with her church and community, dancing, and cooking, especially from her Mexican heritage.
Brenda loves listening to stories and learning about others. She takes pride in carefully helping clients consider their investment strategies and risk boundaries. Being a first-generation college graduate has empowered her to help the next generation attain a roadmap to financial success and is what remains in the forefront of her mind when visiting with clients to prepare a customized financial plan that suits their individual needs.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Whitney Syme
Associate Private Banker
Grace Kennedy
Planning Associate
About Whitney Syme
Whitney Syme is an Associate Private Banker serving Morgan Stanley
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
NMLS#: 2277780
About Grace Kennedy
Grace Kennedy is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Grace provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Auburn University and received the Financial Planning Specialist® designation from the College for Financial Planning. Grace is originally from Johns Creek, Georgia and currently resides in Johns Creek, Georgia.
She earned her undergraduate degree from Auburn University and received the Financial Planning Specialist® designation from the College for Financial Planning. Grace is originally from Johns Creek, Georgia and currently resides in Johns Creek, Georgia.
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
From My Desk
The Rules of Housing Affordability Have Changed
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Brad Hudgens today.
1Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7When 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.
8Investors 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
Morgan 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, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7When 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.
8Investors 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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
