Jill Toomey, CFP®
Financial Planning Director, Vice President
Bryan Condra
Associate Vice President, Wealth Management,
Financial Advisor
Direct:
(202) 292-5449(202) 292-5449
My Mission Statement
Working with you to preserve and grow wealth for your long-term goals.
My Story and Services
As your Financial Advisor, I can help you define and meet your goals by delivering world class advice. 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 solutions.
I joined Morgan Stanley in November 2022 as a Financial Advisor. Prior to this role I worked as a Financial Consultant with E*TRADE helping clients create financial plans and manage equity compensation. I started in the industry as in intern with Scottrade, while attending University of Missouri-Kansas City. I grew up in Saint Louis, however, after relocating in 2016 I have grown to call the Washington DC area my home.
Throughout my career I have worked various roles, from educating self-directed investors, providing insurance solutions, and acting as a fiduciary. This gives me a unique perspective to provide a comprehensive, yet simple to understand solution for clients at any phase of their career or life.
Outside of work I enjoy staying active playing basketball, volleyball, and biking. Other hobbies include exploring local restaurants & breweries and attending local sporting events.
I joined Morgan Stanley in November 2022 as a Financial Advisor. Prior to this role I worked as a Financial Consultant with E*TRADE helping clients create financial plans and manage equity compensation. I started in the industry as in intern with Scottrade, while attending University of Missouri-Kansas City. I grew up in Saint Louis, however, after relocating in 2016 I have grown to call the Washington DC area my home.
Throughout my career I have worked various roles, from educating self-directed investors, providing insurance solutions, and acting as a fiduciary. This gives me a unique perspective to provide a comprehensive, yet simple to understand solution for clients at any phase of their career or life.
Outside of work I enjoy staying active playing basketball, volleyball, and biking. Other hobbies include exploring local restaurants & breweries and attending local sporting events.
Securities Agent: AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, CA, UT, VA, VI, VT, WA, WI, WV, WY, AK, AL, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 2453754
NMLS#: 2453754
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What is the Discovery Process? I invest the time to learn about you and your family, including your assets, liabilities, and risk exposures, so we can formulate strategies and customize the relationship to your needs. From our conversations, I focus on understanding what matters most to you, such as family priorities, liquidity needs, legacy goals, and any other key decision points. This helps ensure our work together is practical, responsive, and aligned with your long-term objectives, as well as consistent with the personalized approach highlighted on my practice page.
How do you approach the formulation of a Tax, Trust and Estate Strategy? Working with your tax and legal advisors, I can help to analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives. I aim to keep planning coordinated, so your investment decisions and estate planning decisions support one another. Where appropriate, we also discuss implementation considerations, such as timing, cash flow, and reporting, so the strategy is actionable and remains aligned with your broader wealth plan.
What does the Creation of Customized Strategic Asset Allocation involve? Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans. I look across the full picture, which includes taxable and tax-advantaged accounts, trusts, and other structures to help ensure the allocation is designed to be efficient as well as durable. This approach is intended to create a clear long-term roadmap that can be adjusted as your goals, family circumstances, and market conditions evolve.
What is meant by Integration of Tactical Asset Allocation? Before making adjustments, we analyze the impact of taxes and trading costs on potential returns. When tactical changes are appropriate, I focus on keeping them disciplined and aligned with your strategic plan rather than reactive to headlines. The goal is to be thoughtful about potential opportunities while preserving the integrity of your overall allocation and planning framework
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How is a Customized Wealth Strategy implemented? After comprehensive due diligence and analysis, strategies are chosen from our expansive investment platform. I work to translate the strategy into a clear, step-by-step implementation plan including sequencing, funding sources, and any other coordination needed with your other professionals if applicable. Throughout implementation, I emphasize transparency around trade-offs (risk, liquidity, taxes, and complexity) so decisions remain anchored to your objectives.
What does Ongoing Assessment include? We can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs as time goes on. I also monitor for life events, planning updates, and market or tax considerations that may warrant adjustments to keep you on track. Our ongoing process is designed to keep your plan current, cohesive, and aligned with the priorities we established together.
A Financial Plan Made For You
Our wealth management process at Morgan Stanley starts with you, your unique investment objectives, and your financial goals. Our holistic approach considers all aspects of your financial life to ensure they align with your goals and wealth management plan.
We understand that your goals may change over time, and your plan will evolve accordingly, adapting to the changing circumstances of your life. With the help of sophisticated analytic tools and the extensive resources of Morgan Stanley, we empower you to take control of your financial future and achieve your goals.
Below, you will find links to some of the tools we use to assist you in learning more about topics that impact your wealth. We invite you to visit these resources frequently to further your knowledge and understanding
We understand that your goals may change over time, and your plan will evolve accordingly, adapting to the changing circumstances of your life. With the help of sophisticated analytic tools and the extensive resources of Morgan Stanley, we empower you to take control of your financial future and achieve your goals.
Below, you will find links to some of the tools we use to assist you in learning more about topics that impact your wealth. We invite you to visit these resources frequently to further your knowledge and understanding
LifeView - Intelligent Planning
LifeView is a comprehensive suite of planning tools that we utilize to conduct in depth, goal-specific analysis for our clients. By taking into account all aspects of an individual's financial life, including investment and cash management needs, we can craft a realistic and integrated strategy. To initiate the process of creating a personalized strategy tailored to your long term goals, we invite you to complete the questionnaire and engage in a conversation with us.
Complete Questionnaire here
Goals Planning System
Morgan Stanley's Goals Planning System (GPS) is a cutting edge, integrated planning tool that harnesses the firm's extensive intellectual capital and capabilities. This intuitive and efficient platform allow us to swiftly evaluate whether a client is making profess towards their financial goals. Utilizing GPS, we can assess your financial trajectory and ensure that you are on track to achieve your desired outcomes.
Start Planning Here
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
Morgan Stanley offers a powerful spending and budgeting tool as a means of managing savings. This tool enables our advisors to efficiently monitor client cash flows across internal and external accounts, while also tracking spending patterns. By generating income and expense analyses, this tool empowers clients to make informed decisions about their spending behavior allowing for adjustments when necessary.
Start Using the Tool TodayValuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
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
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Total Wealth View
Giving your advisor a holistic picture of your financial profile will benefit you through more comprehensive financial planning. Easily link your external accounts by signing into Morgan Stanley Online or downloading the Morgan Stanley Mobile App.
Get Started
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the Latest Episode
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption. Access via signing in to Morgan Stanley Online.
Access Here
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the Most Recent Report
2025 Tax Table
Contained within this document is a wealth of information concerning the 2025 tax rate schedule, encompassing details such as education and health savings account limitations, retirement contribution and deduction ceilings, and various other relevant factors.
See 2025 Tax Table
Morgan Stanley Insights
On this page, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more from our firm’s top investment thinkers.
View our Content Library
eAuthorization
By using eAuthorization, it is no longer necessary to sign a physical Letter of Authorization (LOA) in order to approve a request for a wire transfer.
Learn More
eDelivery
eDelivery provides you with the ability to view statements and other firm documents electronically. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Access here
Pre and Post Divorce Expense Sheet
Utilizing our resources can assist you in effectively managing your budget both before and after going through a divorce.
View Here
Making Moves: Buying a Home
Acquiring your initial residence may be the most significant investment choice you'll make as an adult. Therefore. it is imperative to carefully consider all the relevant factors before committing to the decision.
Learn More
Morgan Stanley Millennial Retirement Guide
The Morgan Stanley millennial retirement guide serves as a guide to assist millennials in managing their finances, covering various topics including budgeting, investing and debt management
Read HereWorking with You
I work with individuals, families, and businesses owners in the Washington, D.C. area and around the country. My clients recognize the need for professional assistance in both guiding and managing the complexities of their wealth. I aim to provide a service that goes far beyond just investments. I strive to create a comprehensive blueprint fully customized for each client according to their goals and objectives, accounting for changes along the way. With planning as one of my core values, I strive to make my relationships multigenerational to aim towards long-term goals.
I aim to fully understand my clients across all aspects of their lives. Every client is unique. Whether your goals are modest or extravagant, your time frame is short or long, my mission is to help make these goals a reality. I do this by creating customized, comprehensive wealth management plans that go beyond just helping you protect and grow your assets. I aim to help you transition harmoniously through the many phases of your life. I have past experience of guiding clients through both the good and bad times, and Morgan Stanley offers a wealth of resources to aid in this process Together, we have the ability to collaborate and share our diverse ideas and perspectives to develop fresh, innovative solutions.
I aim to fully understand my clients across all aspects of their lives. Every client is unique. Whether your goals are modest or extravagant, your time frame is short or long, my mission is to help make these goals a reality. I do this by creating customized, comprehensive wealth management plans that go beyond just helping you protect and grow your assets. I aim to help you transition harmoniously through the many phases of your life. I have past experience of guiding clients through both the good and bad times, and Morgan Stanley offers a wealth of resources to aid in this process Together, we have the ability to collaborate and share our diverse ideas and perspectives to develop fresh, innovative solutions.
Protecting Your Income from the Unexpected
Your ability to earn an income may be one of your most valuable assets, but an accident or unforeseen illness can put that asset at risk. Here’s how to help protect it.
View here
Planning for the Rising Costs of Health Care
Health care costs are rising - especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
View Here
You're Ready for Retirement. Is Your Plan?
The market can influence your decision on when to retire. Learn how to help protect your nest egg, including the potential role of planning and insurance in retirement.
View Here
Insured Solutions: Protection for the Unexpected
At Morgan Stanley, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.
View Our Insured Solutions HubLocation
1747 Pennsylvania Ave NW
Ste 900
Washington, DC 20006
US
Direct:
(202) 292-5449(202) 292-5449
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
Mark Jansen
Family Office Resources Generalist
About Jill Toomey
Jill Toomey is a vice president and financial planning director serving Morgan Stanley Wealth Management and Private Wealth Management offices in the Washington D.C. market. Jill is responsible for helping financial advisors’ clients and prospects with their financial planning needs.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a financial advisor and as the Southeast region planning solutions specialist, covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her CERTIFIED FINANCIAL PLANNER™ designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a financial advisor and as the Southeast region planning solutions specialist, covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her CERTIFIED FINANCIAL PLANNER™ designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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.
Wealth Management
From My Desk
6 Financially Smart Ways to Start 2025
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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Bryan Condra 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.
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Investors 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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:
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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.
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*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.
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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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Investors 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
