Charlie Wixson
Financial Advisor, Financial Planning Specialist
Phone:
(202) 292-5487(202) 292-5487
Catherine Joyce, CIMA®
Senior Vice President,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(202) 292-5347(202) 292-5347
My Mission Statement
Client
Clients are at the center of everything we do. Our reputation is built on a foundation of communication and trust.
Process
Our commitment to understanding each client’s unique financial life allows us to establish a personalized strategy to preserve and grow multigenerational wealth.
Research
Our disciplined research process is centered on understanding the importance of long-term structural trends that drive asset performance. By leveraging the resources of a global firm, we are able to provide comprehensive solutions for our clients.
Team
Our team of experienced investment professionals pairs intellectual capital with dedicated personal service to help clients achieve financial wellbeing.
Clients are at the center of everything we do. Our reputation is built on a foundation of communication and trust.
Process
Our commitment to understanding each client’s unique financial life allows us to establish a personalized strategy to preserve and grow multigenerational wealth.
Research
Our disciplined research process is centered on understanding the importance of long-term structural trends that drive asset performance. By leveraging the resources of a global firm, we are able to provide comprehensive solutions for our clients.
Team
Our team of experienced investment professionals pairs intellectual capital with dedicated personal service to help clients achieve financial wellbeing.
My Story and Services
With a deep-seated passion for finance and a dedication to helping others achieve their financial goals, I have built a distinguished career as a financial advisor at Morgan Stanley. My journey in the financial world began over 35 years ago, driven by a relentless pursuit of excellence and a commitment to delivering personalized financial solutions. Throughout my career, I have navigated the complexities of the financial markets, gaining invaluable insights and experience that I now leverage to benefit my clients.
At the core of our practice is a client-centric approach, where understanding your unique financial goals and needs is paramount. We offer a comprehensive suite of services, including personalized investment strategies, retirement planning, risk management, and wealth preservation. My expertise spans across various financial instruments and market conditions, ensuring that your portfolio is tailored to optimize growth while mitigating risks. Whether you are planning for retirement, seeking to grow your wealth, or looking to secure your financial future, we are here to provide the guidance and expertise you need to achieve your goals.
Educating Clients and Multi-Generational Wealth
Education is a cornerstone of our practice. I believe in empowering our clients with the knowledge and tools they need to make informed financial decisions. Through regular updates, personalized consultations, and educational resources, we ensure that you are always informed about your financial options and strategies. Additionally, we specialize in multi-generational wealth planning, helping families to build and preserve wealth across generations. By understanding the unique dynamics and goals of each family, we create tailored strategies that ensure financial security and prosperity for both current and future generations.
Securities Agent: OH, NM, NH, VA, MD, RI, MA, WA, DC, KY, PA, NV, NJ, FL, ID, DE, SC, OR, MI, TX, ME, IL, GA, AZ, AL, CO, NC, CA, WV, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262322
NMLS#: 1262322
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A holisitic process, with you at the center of every decision
As a Financial Advisor, my mission is to help clients make some of life's most critical choices, as well as appropriate decisions for where they are and where they want to go. Leveraging a sophisticated suite of analytical tools and decades of industry experience, my goal is for my clients to feel a sense of peace knowing that their financial plan is on track and in trusted hands.
Together, we will build a purposeful financial plan that reduces decision fatigue, defines clear buckets for where to invest and creates a roadmap forward, including systems to put as much as possible on autopilot.
Together, we will build a purposeful financial plan that reduces decision fatigue, defines clear buckets for where to invest and creates a roadmap forward, including systems to put as much as possible on autopilot.
Discovery Process
We begin with an organic discovery process of uncovering you and your family's most pertinent values, personal and financial circumstances, and pressing concerns to determine how I can add value. We will explore the lifestyle you enjoy and hope to lead in the future, key relationships, and the legacy you would like to leave behind for those who matter most to you. Collecting this information will enable us to capture your complete financial picture.
Analysis and Presentation
Based on our initial conversation, I will develop a tailored and cohesive financial plan that balances your attitudes as an investor, risks and opportunities in your profile, and an analysis of the financial markets. With your input, I will then present appropriate investment options and wealth management recommendations that work in tandem to protect, optimize, and grow your wealth.
Implementing Your Plan
Upon your approval, I will work diligently to ensure a seamless implementation of the various elements of your financial plan, finetuning each part to adjust for changing circumstances. Wherever appropriate, I will consult with other professional individuals in your trusted circle and suggest that you seek additional advice from subject matter experts on particularly complex issues.
Measuring Your Success
With ongoing communication at the core of my client relationships, I am committed to keeping you abreast of any changing market conditions and delivering performance metrics, ultimately making certain that your plan continues to align with your goals and your timeline. I will keep a high degree of communication with you to ensure that your concerns and requests are being addressed in a timely manner.
Financial Literacy and Empowerment
Financial literacy is crucial for making informed and confident financial decisions on behalf of yourself and your loved ones. By leveraing trusted and credible sources, you can navigate financial challenges wisely and recognize how your own emotional biases impact your decision making. As a wealth management team, one our our responsibilities is to educate our clients. However, there are many ways for you to take this initiative yourself, in addition to the support of your Financial Advisor.
To help you get started, we are sharing a list of exceptional reads from our own personal collection, covering a variety of topics ranging from behavioral finance to personal development.
Investing and Finance
- Value Investing Today - Charles H. Brandes
- The Intelligent Investor - Benjamin Graham
- The Truth About Crypto - Ric Edelman
- Markets, Mobs, and Mayhem - Robert Menschel
- Martin Zweig's Winning on Wall Street - Martin Zweig
- Winning the Loser's Game - Charles D. Ellis
- Parson's Dictionary of Financial Investment Terms - John Downes, Jordan Elliot Goodman
- Big Money Thinks Small - Joel Tillinghast
- The Future of Investors - Jeremy Siegel
- A Random Walk Down Wall Street - Burton Malkiel
- The Successful Investor - William J. O'Niel
- Beyond Diversification: What Every Investor Needs to Know About Asset Allocation - Sebastien Paige
- Shut Up and Keep Talking: Lessons on Life and Investing from the Floor of the New York Stock Exchange - Bob Pisani
- How to Invest: Masters on the Craft - David Rubenstien
Behavioral Finance and Psychology
- The Behavior Gap - Carl Richards
- Blink - Malcolm Gladwell
- The Geometry of Wealth - Brian Portnoy
- Who Moved My Cheese - Spencer Johnson
- Thinking Fast and Slow - Daniel Kahneman
- 5 Mistakes Every Investor Makes - Peter Mallouk
- Your Money Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Finanial Independence - Vicki Robin and Joe Dominguez
- Same as Ever: A Guide to What Never Changes - Morgan Housel
Women and Finance
- Smart Women Finish Rich - David Bach
- Get Good with Money: Ten Steps to Becoming Financially Whole - Tiffany Aliche
Retirement and Estate Planning
- Social Security Strategies: How to Optimize Retirement Benefits - William Meyer and William R. Reichenstein
- Don't Retire, Rewire! - Jeri Sedlar and Rick Miners
Family Wealth Education
- Millionaire Next Door - Thomas J. Stanley
- Family Wealth: Keeping it in the Family - James Hughes
- Wealth and Families - Charles Collier
- The Business of Family - Linda Davis Taylor
- Rich Dad Poor Dad - Robert Kiyosaki
History of the Market
- Manias, Panics, and Crashes - Robert Z. Aliber & Charles P. Kindleberger
- The Great Crash, 1929 - John Kenneth Galbraith
- The Big Short - Michael Lewis
- Flash Voice - Michael Lewis
Miscellaneous
- Oil 101 - Morgan Downey
- Six Billion Shoppers - Porter Erisman
- Woe is I - Patricia T. O'Conner
- Chip War - Chris Miller
SOUND INVESTING PRINCIPLES VS. HUMAN NATURE
"The difference between successful people and others is not a lack of strength, not a lack of knowledge, but rather a lack of will." - Warren Buffet
Have you heard the expression, "Buy low, sell high"? It's a fundamental principle in investing, and it's about recognizing opportunities where assets are undervalued. Interestingly, when the market drops, prices often become depressed, presenting a perfect opportunity to buy low.
So why do investors often rush to sell during market downturns? Isn't that the ideal time to buy, according to this longstanding strategy?
The answer lies in understanding Behavioral Investing. Emotions often drive investment decisions, leading to actions that may not align with logic, or your financial plan. Fear of further losses during a market decline can prompt investors to sell even though they know that the stock market is ultimately self-correcting, and volatility is both inevitable and surmountable.
Our Team has studied the concept of Behavioral Investing extensively. One of the most important things we do for our clients is provide a logical, systematic response to changing conditions. We provide a guiding hand during the regular market volatility that is almost certain to occur during any long-range investment cycle.
Emotions are part of being human, and we all respond to them. However, we work with our clients to help ensure that they don't make any investment decisions, or any other financial choice, based on emotions rather than logic.
So why do investors often rush to sell during market downturns? Isn't that the ideal time to buy, according to this longstanding strategy?
The answer lies in understanding Behavioral Investing. Emotions often drive investment decisions, leading to actions that may not align with logic, or your financial plan. Fear of further losses during a market decline can prompt investors to sell even though they know that the stock market is ultimately self-correcting, and volatility is both inevitable and surmountable.
Our Team has studied the concept of Behavioral Investing extensively. One of the most important things we do for our clients is provide a logical, systematic response to changing conditions. We provide a guiding hand during the regular market volatility that is almost certain to occur during any long-range investment cycle.
Emotions are part of being human, and we all respond to them. However, we work with our clients to help ensure that they don't make any investment decisions, or any other financial choice, based on emotions rather than logic.
MODERN WEALTH TOOLS AND ADDITIONAL RESOURCES
Our goal at Morgan Stanley is simple: “To be the firm with some of the most talented advisors in the industry who leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to help them to achieve their life goals.” The Firm strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible. Please browse a few of our digital tools and modern wealth resources below:
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! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn More
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Learn More
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
Online Security Center
Safeguarding your assets and information is one of our highest priorities, but you can also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals. Then explore a few of the ways we help protect you.
Learn More
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn More
Financial Literacy and Wealth Education
Morgan Stanley has financial literacy resources for every age, wealth level and type of organization to help you support your clients and their families. We can help provide information to help build healthy financial habits and spark meaningful discussions.
Learn More
Morgan Stanley Total Tax 365
Tax management that is integrated into your investment process 365 days a year is an essential part of growing your wealth. That’s why we offer access to a broad range of tax solutions to help you maximize your after-tax wealth.
Learn More
GIC On the Markets
The Global Investment Committee's Lisa Shalett headlines this monthly look at markets, asset class performance and fixed income.
Learn More
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.
Learn More
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
Learn MoreLocation
1747 Pennsylvania Ave NW
Ste 900
Washington, DC 20006
US
Direct:
(202) 292-5347(202) 292-5347
Fax:
(202) 403-3607(202) 403-3607
Meet My Team
Molly Bray
Portfolio Associate
Phone:
(202) 292-5349(202) 292-5349
Deborah S. Duvall
Client Service Associate
Phone:
(202) 292-5348(202) 292-5348
About Charlie Wixson
Charlie Wixson joined Morgan Stanley after a successful internship with Catherine’s team. As a financial advisor, he provides comprehensive investment management and wealth planning to our clients.
Charlie’s approach focuses on creating a financial plan that serves as a foundation to each client’s investment strategy. He collaborates with individuals and families to understand their values and priorities in order to tailor solutions uniquely suited to them.
Charlie graduated from the University of Georgia – Terry College of Business with a Bachelors in Business Administration majoring in Finance. Outside of the office, you can find Charlie spending time outdoors hiking, fishing, and golfing.
Charlie’s approach focuses on creating a financial plan that serves as a foundation to each client’s investment strategy. He collaborates with individuals and families to understand their values and priorities in order to tailor solutions uniquely suited to them.
Charlie graduated from the University of Georgia – Terry College of Business with a Bachelors in Business Administration majoring in Finance. Outside of the office, you can find Charlie spending time outdoors hiking, fishing, and golfing.
Securities Agent: NC, GA, PA, NY, WA, NM, ME, IL, MD, FL, CO, VA, CT, AZ, KY, VI, UT, NJ, RI, OH, NV, AL, WV, SC, MI, DE, CA, TX, OR, NH, MA, ID, DC; General Securities Representative; Investment Advisor Representative
About Molly Bray
Molly Bray is a Portfolio Associate with Morgan Stanley. With over a decade of experience, Molly forges strong relationships with clients and plays an integral role in her team’s ability to guide them towards achieving their financial goals.
Prior to joining Morgan Stanley in 2008, Molly earned her Bachelors in Mathematics from the University of Virginia. She also completed an MBA from Georgetown University while continuing her career at Morgan Stanley. Molly works to support every aspect of the client relationship while providing them with a first-class service that they’ve come to associate with her team. Collaborating with others to find solutions to complex problems has always driven Molly, and she finds purpose in treating every relationship as a long term endeavor.
Molly currently resides in Alexandria with her husband, Abraham and her son, Samuel. When she is not in the office, Molly enjoys participating in the culinary arts, exploring the great outdoors with her family, and rediscovering her love of the fine arts particularly drawing and painting.
Prior to joining Morgan Stanley in 2008, Molly earned her Bachelors in Mathematics from the University of Virginia. She also completed an MBA from Georgetown University while continuing her career at Morgan Stanley. Molly works to support every aspect of the client relationship while providing them with a first-class service that they’ve come to associate with her team. Collaborating with others to find solutions to complex problems has always driven Molly, and she finds purpose in treating every relationship as a long term endeavor.
Molly currently resides in Alexandria with her husband, Abraham and her son, Samuel. When she is not in the office, Molly enjoys participating in the culinary arts, exploring the great outdoors with her family, and rediscovering her love of the fine arts particularly drawing and painting.
About Deborah S. Duvall
Debbie began working with Catherine in 1991, and has grown with the team. She brings a unique perspective to client service. By utilizing a lifetime of acquired skills and personal relationships, Debbie is able to assist in many facets of our clients’ financial lives. She has tenacious problem solving skills and also brings strong technology capabilities to the team in her active role of research due diligence.
Outside of work, Debbie enjoys participating in outdoor activities such as swimming, kayaking, and tennis as well as gardening and rock climbing. Most of all, she enjoys spending time with her family. Debbie is family focused and feels fortunate to be a part of a team that gives her the opportunity to have a successful career while allowing her to be what she loves most – a mom. She lives in Pasadena, Maryland with her husband and three daughters, and recently became a foster mom.
Outside of work, Debbie enjoys participating in outdoor activities such as swimming, kayaking, and tennis as well as gardening and rock climbing. Most of all, she enjoys spending time with her family. Debbie is family focused and feels fortunate to be a part of a team that gives her the opportunity to have a successful career while allowing her to be what she loves most – a mom. She lives in Pasadena, Maryland with her husband and three daughters, and recently became a foster mom.
Hear from Our Clients
Catherine Joyce has guided my Morgan Stanley portfolio for many years. Since my retirement, she and I together with Charlie Wixson have regular conversations. They provide astute and personalized advice, and educate me about the financial markets as appropriate for my circumstances. They have built a financial plan that guides my financial activities and shepherd the financial strategy enabling me to relax and enjoy life in retirement. They are great and I would highly recommend them to others.
Martina
Verified ClientDecember 5, 2024
Catherine Joyce has been our financial advisor for over twenty years. Catherine (and her wonderful and devoted team!) has provided consistently thoughtful financial guidance and always advised with our best interests at heart. As we have transitioned into retirement in the past 2 years, we find ourselves in as secure a financial future as anyone can have these days due to Catherine. Most importantly, Catherine has become a cherished friend and true member of our family!
Jack and Pam
Verified ClientMarch 6, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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
Sean W. Ruediger
Private Banker
Jill Toomey, CFP®
Financial Planning Director, Vice President
About Sean W. Ruediger
Sean Ruediger is a Private Banker serving Morgan Stanley’s Wealth Management offices in Washington D.C. and Maryland.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
NMLS#: 1192383
About Jill Toomey
Jill Toomey, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s 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.
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.
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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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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.
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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Ready to start a conversation? Contact Catherine Joyce today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
