Cherie A Bond, CDFA®
Managing Director, Wealth Management,
Financial Advisor,
Financial Planning Specialist,
Alternative Investments Director,
Lending Specialist
Direct:
(847) 784-6450(847) 784-6450
Toll-Free:
(800) 269-9505(800) 269-9505
My Mission Statement
I build and preserve the wealth of high-net-worth individuals and families.
My Story
I'm a Managing Director with the Bond Wise Group at Morgan Stanley Wealth Management. With over twenty-seven years of experience in the industry, including nineteen years with the firm, I manage over $700 million in assets as of May 2021. I'm a member of the prestigious President's Club, consisting of some of the top Financial Advisors in the firm.
Since 2017, I've been named annually to Forbes' List of America's Top Women Advisors, which is dedicated to the top 200 female financial advisors in the country. The list is based on advisors that are leading the way in offering best practices and providing a high-quality experience for clients.
Since 2018, I have also been named annually to the Working Mother's list of Top Wealth Adviser Moms. This listing recognizes a select group of individuals who, while pursuing careers as successful Financial Advisors, also juggle the responsibilities of having one or more children living at home.
Since 2018, I have been named to Forbes' first inaugural Best-In-State Wealth Advisors List. This list highlights advisors across the country who were nominated by their firms, and then researched, interviewed and assigned a ranking by Forbes within their respective states.
My main focus is to build and protect the wealth of high net-worth individuals and families. I provide asset management advice and comprehensive counseling regarding wealth preservation, wealth transfer strategies, risk management, financial independence, and retirement planning.
I'm a graduate of Miami University and hold a B.S. in Business with a Finance major. I also serve as the President of the Westmoreland Employee Scholarship Foundation. I currently live in Winnetka, IL.
Named as one of Forbes Best-In-State Wealth Management Teams in 2023-2024
Source: Forbes (Awarded Jan 2023, Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/23.
Named as one of Forbes "Top 250 Women Wealth Advisors" in 2021
2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Named as one of Forbes "Best-In-State Wealth Advisors” in 2018, 2020, 2021, 2022, 2023, & 2024
2018, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2018, April 2020, April 2021, April 2022, April 2023, April 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Named as one of Forbes Top Women Wealth Advisors Best-In-State in 2022, 2023 & 2024
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022, Feb 2023, & Feb 2024) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/23.
Working Mothers Top Wealth Advisor Moms in 2019-2021
2019-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Since 2017, I've been named annually to Forbes' List of America's Top Women Advisors, which is dedicated to the top 200 female financial advisors in the country. The list is based on advisors that are leading the way in offering best practices and providing a high-quality experience for clients.
Since 2018, I have also been named annually to the Working Mother's list of Top Wealth Adviser Moms. This listing recognizes a select group of individuals who, while pursuing careers as successful Financial Advisors, also juggle the responsibilities of having one or more children living at home.
Since 2018, I have been named to Forbes' first inaugural Best-In-State Wealth Advisors List. This list highlights advisors across the country who were nominated by their firms, and then researched, interviewed and assigned a ranking by Forbes within their respective states.
My main focus is to build and protect the wealth of high net-worth individuals and families. I provide asset management advice and comprehensive counseling regarding wealth preservation, wealth transfer strategies, risk management, financial independence, and retirement planning.
I'm a graduate of Miami University and hold a B.S. in Business with a Finance major. I also serve as the President of the Westmoreland Employee Scholarship Foundation. I currently live in Winnetka, IL.
Named as one of Forbes Best-In-State Wealth Management Teams in 2023-2024
Source: Forbes (Awarded Jan 2023, Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/23.
Named as one of Forbes "Top 250 Women Wealth Advisors" in 2021
2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Named as one of Forbes "Best-In-State Wealth Advisors” in 2018, 2020, 2021, 2022, 2023, & 2024
2018, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2018, April 2020, April 2021, April 2022, April 2023, April 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Named as one of Forbes Top Women Wealth Advisors Best-In-State in 2022, 2023 & 2024
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022, Feb 2023, & Feb 2024) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/23.
Working Mothers Top Wealth Advisor Moms in 2019-2021
2019-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Services Include
- Planning for Education FundingFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Wealth ManagementFootnote6
- Alternative InvestmentsFootnote7
- Asset Management
- Estate Planning StrategiesFootnote8
- Financial PlanningFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Structured ProductsFootnote12
- Wealth PlanningFootnote13
Securities Agent: LA, PA, NV, HI, MI, SD, NM, CT, MA, WA, SC, NY, OH, NC, VA, NJ, IN, GA, WI, MD, TN, OR, KY, UT, DC, IL, ID, CO, FL, KS, AR, TX, MN, MO, IA, AZ, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285056
NMLS#: 1285056
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
National Recognition:
Cherie Bond
Forbes America's Top Women Advisors
2021
2021 Forbes America's Top Women Advisors (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com 2021. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021 Forbes America's Top Women Advisors (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com 2021. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2018, 2020, 2021, 2022, 2023, 2024
2018, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2018, April 2020, April 2021, April 2022, April 2023, April 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2018, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2018, April 2020, April 2021, April 2022, April 2023, April 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Top Women Wealth Advisors Best-In-State List
2022, 2023, 2024
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022, Feb 2023, & Feb 2024) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/23.
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022, Feb 2023, & Feb 2024) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/23.
Working Mothers Top Wealth Advisor Moms
2018, 2019, 2020, 2021
2018-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2018-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
WORKING WITH YOU
As your life changes, not only does your financial strategy become more complex, but also your options for implementing it increase. At The Bond Wise Group, we use a goal-based process that measures success by how you’re progressing toward meeting the goals most important to you. This thoughtful approach enables us to design and implement solutions to help guide you in achieving and maintaining financial success.
Step 1: Understanding You
We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve. Next, we review your current future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
Step 2: Tailoring a Solution for Your Specific Goals
Here, we'll prepare a comprehensive wealth management plan that address your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Step 3: Implementing Your Plan
With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer your wealth, while remaining aligned with your personal goals and aspirations.
Step 4: Monitoring Results Against Your Goals
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your financial advisors, The Bond Wise Group can help you achieve your financial goals.
Financial Planning
We want to gather and analyze your goals, assets, liabilities, and other important information. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving, and living.
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Retirement Planning
This is paramount and ensuring a successful retirement. We bring an intense focus on this process. You have worked hard to get where you at. Now it is up to us helping you live the retirement you have always dreamed of.
401(k) Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can make sure that there is no risk overlap or concentration insecurities. We can make taking required minimum distributions easier. You also have the full suite of an open platform from which to choose investments from.
Trust & Estate Planning
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. Our team at The Bond Wise Group regularly reviews your finances with you and coordinates with your estate attorney to help make sure that we meet your wishes in the most efficient and cost-effective way possible.
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax-smart strategies for your financial plan. These strategies include: preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.
DIGITAL RESOURCES
Digital technology is about how people communicate, consume, do business and travel. Our comprehensive suite of digital tools helps enhance various aspects of your financial life. Here are a few of the technologies we offer to our clients.
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App even provides clients with access to their accounts in just a few taps. Log into Morgan Stanley Online through the link below.
Learn More About MSO
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind. Total Wealth View makes it easy for our clients to plan their investments, and asset allocation. Check out Total Wealth View in your Morgan Stanley Online account.
To learn more about Total Wealth View, click here
Financial Management Tools
Managing multiple financial accounts across different firms can get complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place. Spending and budgeting gives you peace of mind to make the best decisions for your financial plans. Learn more about Morgan Stanley’s spending and budgeting tools through the link below.
Learn more about financial management tools
Goals Planning System
A holistic Goals Planning System (GPS) approach to wealth management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, we evaluate the investment strategy to make sure clients are on track. Watch the GPS preview video below to learn more.
To learn more about GPS, watch this video
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online. Check out Morgan Stanley’s online security center using the link below.
Learn more about Online Security CenterLocation
2700 Patriot Blvd
Suite 150
Glenview, IL 60026
US
Direct:
(847) 784-6450(847) 784-6450
Toll-Free:
(800) 269-9505(800) 269-9505
Fax:
(224) 677-2302(224) 677-2302
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Cherie A Bond today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Investors 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative 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.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Structured 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.
13Morgan 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.
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
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Investors 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative 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.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Structured 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.
13Morgan 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.
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
CRC 6491812 (04/2024)
