Charles Rathmell, CFP®, CIMA®
Senior Vice President, Wealth Management,
Wealth Advisor,
Senior Investment Management Consultant
Direct:
(714) 674-4147(714) 674-4147
Toll-Free:
(800) 794-7682(800) 794-7682
My Mission Statement
My goal is to help you and your family achieve financial independence and empower you to leave a lasting legacy.
Chip's Story
Chip Rathmell is a Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Senior Vice President, Wealth Advisor, Senior Investment Management Consultant, and a second generation member of Morgan Stanley. He began his career at Morgan Stanley in 1993 and has been helping clients build and preserve their wealth by providing comprehensive wealth management strategies.
Chip focuses on developing and implementing financial plans for clients using risk and goal analysis, and asset allocation. He builds investment portfolios using an array of investment vehicles including institutional money managers, fixed income securities, equity securities, mutual funds, annuities, life insurance, alternative investments, and more.
Chip works with a range of clients including wealthy individuals, families, business owners, and executives, to support them with retirement planning. In addition to having access to Morgan Stanley's state-of-the-art resources and capabilities, Chip has access to world class economic analysts, as well as, tax and estate planning specialists. These resources allow him to assist investors in making educated and timely financial decisions. Chip also has extensive training and experience in analyzing an individual’s financial situation which provides him the ability to recommend a plan of action to help investors meet their near and long-term goals.
For Chip, being involved in his clients’ life journey and helping them navigate through challenges is most fulfilling. He is passionate about helping others improve their financial literacy and often shares his knowledge through lectures given to churches, business groups, clubs and other organizations. In addition, Chip and his family are involved with the Miracle League of North Orange County, a baseball league for people with various special needs.
Chip resides in Fullerton, California with his wife and enjoys spending time with his two children, fishing, woodworking, and photography. His son with Down syndrome has given him a unique perspective and life experience in navigating the obstacles and opportunities related to special needs planning. For Chip and his family, volunteering and making a difference is very important. They understand what it takes to build wealth from nothing and that helps keep them grounded.
If you would like to learn more about Chip's services, please feel free to contact him directly to discuss possible financial solutions for your goals.
Education:
• Bachelor of Arts in Business Administration - California State University, Fullerton
• CFP. Professional Education Program - College for Financial Planning - Centennial, Colorado
• Senior Consultants' Program - The Wharton School at the University of Pennsylvania
• Certified Investment management Analyst Designation (CIMA)
• Estate Planning Consultant Program - The American College - Bryn Mawr, Pennsylvania
Chip focuses on developing and implementing financial plans for clients using risk and goal analysis, and asset allocation. He builds investment portfolios using an array of investment vehicles including institutional money managers, fixed income securities, equity securities, mutual funds, annuities, life insurance, alternative investments, and more.
Chip works with a range of clients including wealthy individuals, families, business owners, and executives, to support them with retirement planning. In addition to having access to Morgan Stanley's state-of-the-art resources and capabilities, Chip has access to world class economic analysts, as well as, tax and estate planning specialists. These resources allow him to assist investors in making educated and timely financial decisions. Chip also has extensive training and experience in analyzing an individual’s financial situation which provides him the ability to recommend a plan of action to help investors meet their near and long-term goals.
For Chip, being involved in his clients’ life journey and helping them navigate through challenges is most fulfilling. He is passionate about helping others improve their financial literacy and often shares his knowledge through lectures given to churches, business groups, clubs and other organizations. In addition, Chip and his family are involved with the Miracle League of North Orange County, a baseball league for people with various special needs.
Chip resides in Fullerton, California with his wife and enjoys spending time with his two children, fishing, woodworking, and photography. His son with Down syndrome has given him a unique perspective and life experience in navigating the obstacles and opportunities related to special needs planning. For Chip and his family, volunteering and making a difference is very important. They understand what it takes to build wealth from nothing and that helps keep them grounded.
If you would like to learn more about Chip's services, please feel free to contact him directly to discuss possible financial solutions for your goals.
Education:
• Bachelor of Arts in Business Administration - California State University, Fullerton
• CFP. Professional Education Program - College for Financial Planning - Centennial, Colorado
• Senior Consultants' Program - The Wharton School at the University of Pennsylvania
• Certified Investment management Analyst Designation (CIMA)
• Estate Planning Consultant Program - The American College - Bryn Mawr, Pennsylvania
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Planning for Education FundingFootnote4
- Wealth ManagementFootnote5
- Asset Management
- Philanthropic Services
- 401(k) Rollovers
- Qualified Retirement PlansFootnote6
- 529 PlansFootnote7
- Planning for Individuals with Special Needs
- Professional Portfolio ManagementFootnote8
- Municipal BondsFootnote9
- Fixed IncomeFootnote10
- Exchange Traded FundsFootnote11
- Alternative InvestmentsFootnote12
- AnnuitiesFootnote13
Securities Agent: PA, ME, OH, NC, DC, MA, AR, HI, MN, NJ, NM, UT, TN, IL, ID, CT, AL, OK, NY, MD, GA, FL, MO, WI, AK, MI, TX, WY, CA, OR, AZ, CO, IN, MT, NV, VA, WA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262081
CA Insurance License #: 0B34933
NMLS#: 1262081
CA Insurance License #: 0B34933
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Services to You
No matter what you want to achieve, I will work with you to provide ongoing, comprehensive planning and advice to help you succeed.
I am here to provide a wide array of services centered on your financial goals. I’ll create a customize strategy to meet your needs and provide access to specialists as needed.
I am here to provide a wide array of services centered on your financial goals. I’ll create a customize strategy to meet your needs and provide access to specialists as needed.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it’s become increasingly difficult. I’ll help you create a well-rounded planning approach for retirement. I am here to help identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Making the Most of Your Retirement Savings
Estate Planning
Estate planning is a strategy designed to protect, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. It will help protect your legacy and those you care about most. As your advisor, I will work closely with you to explore factors that are relevant to existing and/or future estate structures and strategies. I will collaborate with you, your external tax and legal advisors to formulate tax and estate strategies.
Tax, Trust and Estate Planning Overview
Education Planning
529 Plans offer a tax-advantaged way to help save for education. Depending on the specific plan, you can choose from a range of investment strategies suited to your specific needs, objectives and time frame. I offer valuable expertise to help you incorporate an education savings plan into your overall investment strategy – while helping to minimize your tax liability and maintain your current lifestyle and long-term financial goals.
529 Plan Overview
Portfolio Management
I study investment trends and leverage the global resources of the firm to help you develop a personalized investment strategy. I’ll develop a customized portfolio to help meet your requirements for growth, income and wealth conservation within your risk constraints.
Portfolio Management Overview
Risk Management
I take a holistic approach to managing your finances by identifying risk outliers and understanding the impact of market scenarios. I leverage Morgan Stanley’s Portfolio Risk Platform and the risk analytics integrated into their proprietary platform applications to leverage dynamic risk insights across thousands of risk factors. I am able to instantly analyze an entire portfolio, including assets held elsewhere, which helps identify and mitigate your risk.
Introducing the New Portfolio Risk Platform
Planning for Individuals with Special Needs
Individuals planning for their own financial well-being or the financial well-being of a family member with special needs face several challenges. I am here to help you design a financial and estate plan that provides for special needs without:
- Depriving other family members of a meaningful inheritance
- Placing other family members in a position of responsibility that they may not be prepared or willing to assume
- Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
Planning for Individuals with Special Needs- Depriving other family members of a meaningful inheritance
- Placing other family members in a position of responsibility that they may not be prepared or willing to assume
- Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
Working With You
Discovery Process
I take time to fully understand you, your family, and your goals when it comes to leaving a legacy you can be proud of. Whether you’re funding education, managing insurance risks, or looking to purchase a home, I am here to consider all of your objectives beyond retirement planning when building your financial roadmap.
Forming Your Strategy
Using your life goals as our compass, I leverage Morgan Stanley’s Goals Based Planning System (GPS) to create a risk-balanced asset allocation and portfolio management strategy to help guide you towards success.
Implementing Your Plan
I pair extensive investment research and planning analysis with the resources of Morgan Stanley to provide prudent and proactive advice with the goal of encompassing changes that may impact our approach such as with personal circumstances and the financial environment.
Measuring Your Success
I maintain an open, ongoing dialogue to share metrics around your portfolio and the capital markets environment. Ultimately, I’ll measure your progress towards your planning goals of comfort, success, and well-being into and throughout retirement, and keep you updated along the way.
Digital Tools Available for You
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible. As a part of our services, these resources are readily available for all of our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – Access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – Sign up for digital access to all of your financial documents
• Manage Everyday Finances – Mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Learn More About MSO• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – Access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – Sign up for digital access to all of your financial documents
• Manage Everyday Finances – Mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Online Security Center
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do.
We also provide advice and best practices to safeguard your personal information external of the firm as well. To learn more about the measures we take in the face of a constantly evolving cyber threat landscape and how you can better protect yourself, please visit our Online Security Center.
Online Security CenterWe also provide advice and best practices to safeguard your personal information external of the firm as well. To learn more about the measures we take in the face of a constantly evolving cyber threat landscape and how you can better protect yourself, please visit our Online Security Center.
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
eDelivery
You shouldn't have to wait for important paperwork like statements, tax documents, or trade confirmations. With eDelivery, you'll get email notifications as soon as they're available on Morgan Stanley Online.
Spending and 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.
Learn More About Our Financial Management Tool
Portfolio Risk Platform - Aladdin
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 a holistic view to better enable risk to be effectively monitored and managed.
Watch This Video to Learn More
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Watch Video on Digital Vault
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have resources of MSO on the go.
Learn More About Our Mobile AppResources for You
2023 Federal Tax Table
In 2023, the IRS has implemented adjustments to the Federal Tax Table to account for inflation. To learn more about the change, click here.
2023 Federal Tax Table
2022 Federal Tax Table
Due to inflation, the IRS has adjusted the Federal Tax Table. For your convenience, Morgan Stanley has included both tables with the updated changes. For your comparison, you can find the 2022 tax table below.
2022 Federal Tax Table
Tax Filing Checklist
To effectively prepare, you should get organized
as early as possible, including gathering any necessary
tax documentation. To help, Morgan Stanley compiled a
checklist of steps you should consider as you begin the
2021 income tax filing process.
View Tax Filing Checklistas early as possible, including gathering any necessary
tax documentation. To help, Morgan Stanley compiled a
checklist of steps you should consider as you begin the
2021 income tax filing process.
Key Financial Data
Reference this document to manage your taxes and finances.
View Key Financial Data
Your Guide to Life & Money Playbook
The "Playbook: Your Guide to Life & Money" is a content series focused on providing highly actionable insights and advice that covers 10 major life milestones. Filled with articles, checklists, interviews, and helpful tips, the Playbook aims to empower you with the knowledge and tools needed to help achieve your goals: whether it's buying a home, starting a family, pursuing a passion, or giving back.
View Playbook
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible Morgan Stanley clients designed to deliver additional value beyond wealth management. The program provides access to exclusive offers and discounts from premium brands, as well as curated content from our partners and Morgan Stanley thought leaders.
Enroll in Reserved Living & Giving
Retirement Planning
Retirement planning is more than making the right investments. Align your financial goals to your lifestyle, today and all the days that follow. Learn how I can help you meet your retirement savings challenges with customized financial solutions.
View More Insights Here
A Simple Six-Step Retirement Checkup
When market volatility arises, checking in on your retirement plan may make a lot of sense.
A Simple Six-Step Retirement Checkup
Goals-Based Planning: Stay On Track
Don’t worry if your financial goals look out of reach now based on what you’ve saved. There are ways to adjust course that aren’t as difficult as you may think.
What to Do If You Are Off Track on Your Goals
Five Strategies to Use a Bonus or Raise
Have extra money coming in? Here are ways to put your money to work for you now, so you can potentially reap the rewards down the road.
Five Strategies to Use a Bonus or Raise
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.
Thoughts On The Market Podcast
Now, What's Next?
A podcast about what life after the pandemic might look like, and the opportunities for change that it presents.
Listen to Now, What's Next?Client Service Team
Tamara L Fischer - Portfolio Associate
Phone:
(714) 674-4129(714) 674-4129
Email:tammy.fischer@morganstanley.com
Tammy began working for Morgan Stanley in July 1991. She has considerable training and experience in operations and compliance. She has held numerous positions during her tenure with Morgan Stanley including receptionist, cashiering, wire operator, new accounts clerk, customer service associate, Branch Manager's assistant, Operations Manager and Compliance Officer. Her function is that of an administrative manager. She has the responsibility of seeing that all aspects of your account are handled properly. She assists with developing and implementing financial plans for clients using risk and goal analysis, and asset allocation.
Location
10 Pointe Dr
Suite 400
Brea, CA 92821
US
Direct:
(714) 674-4147(714) 674-4147
Toll-Free:
(800) 794-7682(800) 794-7682
Fax:
(714) 529-4272(714) 529-4272
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
Are You Prepared for Tax Day?
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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
Article Image
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
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Charles Rathmell today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6When 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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
12Alternative 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.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6When 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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
12Alternative 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.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
