Jay Allison, CPWA®
Executive Director, Market Manager
Phone:
(314) 889-9801(314) 889-9801
Welcome to the St. Louis Market!
Morgan Stanley
St. Louis Branch Office
You define success, we help you achieve it
7733 Forsyth Blvd
Ste 2100
Clayton, MO 63105
US
Branch:
(314) 863-2000(314) 863-2000
Branch Manager
Jay AllisonPhone:
(314) 889-9801(314) 889-9801
About Morgan Stanley St. Louis Branch
Old School Grit. New World Ideas.
Welcome to the Morgan Stanley St. Louis Market. We cater to successful individuals, families and institutions looking to build and preserve wealth, manage their tax burden, and create a legacy that can span generations.
Morgan Stanley has created a Wealth Management ecosystem with the ability to serve clients and corporations at virtually every stage of their financial journey. When you choose us, you’ll see what’s possible when you have “old school grit/new world ideas” working on your behalf. By providing comprehensive Wealth Management, we can work with you across advanced planning, tax management investing strategies, provide access to Morgan Stanley's private investments platform and lending services.
Our highly-experienced Financial Advisors can help advise your business as you explore growth objectives, exit strategies, and employee benefit offerings. Backed by the firm, we can give your company, your executives, and other employees access to a bespoke combination of solutions, including Retirement Plan Consulting, Equity Solutions, Executive Services, and Corporate Cash Solutions. And that’s just for starters.
We invite you to stop in or give us a call to discuss your sophisticated needs, aspirations and challenges. Together, we’ll forge a path that seeks to preserve your wealth and create potential new opportunities to help you get more out of life, do more for your family, and support the causes you care about the most.
Disclosures:
"Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY"
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Welcome to the Morgan Stanley St. Louis Market. We cater to successful individuals, families and institutions looking to build and preserve wealth, manage their tax burden, and create a legacy that can span generations.
Morgan Stanley has created a Wealth Management ecosystem with the ability to serve clients and corporations at virtually every stage of their financial journey. When you choose us, you’ll see what’s possible when you have “old school grit/new world ideas” working on your behalf. By providing comprehensive Wealth Management, we can work with you across advanced planning, tax management investing strategies, provide access to Morgan Stanley's private investments platform and lending services.
Our highly-experienced Financial Advisors can help advise your business as you explore growth objectives, exit strategies, and employee benefit offerings. Backed by the firm, we can give your company, your executives, and other employees access to a bespoke combination of solutions, including Retirement Plan Consulting, Equity Solutions, Executive Services, and Corporate Cash Solutions. And that’s just for starters.
We invite you to stop in or give us a call to discuss your sophisticated needs, aspirations and challenges. Together, we’ll forge a path that seeks to preserve your wealth and create potential new opportunities to help you get more out of life, do more for your family, and support the causes you care about the most.
Disclosures:
"Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY"
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Services Provided
- Succession PlanningFootnote1
- Legacy PlanningFootnote2
- Family Mission Statements
- Philanthropic GoalsFootnote3
- Next Generation EducationFootnote4
- Lending SolutionsFootnote5
- Cash Management SolutionsFootnote6
- Alternative InvestmentsFootnote7
- Insurance ServicesFootnote8
- Retirement PlanningFootnote9
- Saving for CollegeFootnote10
- Maintaining Cash Flow
Our Team at Morgan Stanley St. Louis Branch
Emily Kanefield
Executive Director, Branch Manager
Phone:
(636) 733-7602(636) 733-7602
Deon Pohlmann
Assistant Vice President, Risk Officer
Phone:
(314) 889-9817(314) 889-9817
Trisha Petroskus
Assistant Vice President, Business Service Manager
Phone:
(314) 889-0348(314) 889-0348
Joe Saadi
Executive Director, Regional Trust Specialist
Phone:
(314) 889-9815(314) 889-9815
Sarah Ott, CFP®, CPWA®
Vice President, Financial Planning Director
Phone:
(314) 889-4828(314) 889-4828
Lauren Hubert
Executive Director, Head of Client Coverage, Morgan Stanley Family Office
Phone:
(314) 889-4801(314) 889-4801
Rick Effer
Executive Director, Insured Solutions Director
Phone:
(314) 854-9335(314) 854-9335
Julia Franz
Executive Director, Planning Analyst, Family Office Resources
Phone:
(314) 889-4804(314) 889-4804
Greg Cole
Vice President, Private Banker
Phone:
(314) 889-9890(314) 889-9890
Brian Eichholz
Executive Director, Senior Ultra High Net Worth Specialist, Morgan Stanley Private Bank
Phone:
(314) 889-9808(314) 889-9808
About Jay Allison
Jay is an Executive Director and Market Manager for the St. Louis market that includes branches in Clayton, Chesterfield, and Edwardsville, IL. In total, the St. Louis market represents over 150 employees, $22Bn in Assets Under Management as of October, 30, 2004, and a broad array of businesses including Private Wealth Management, Wealth Management, Institutional Consulting Solutions and Morgan Stanley Family Office.
Since 2012, Jay has held multiple leadership positions at Morgan Stanley. Jay joined the firm as a financial advisor in the Kansas City market, after spending 6 years in executive recruiting for the life sciences industry. During his time as a Financial Advisor, he was named to the Pacesetter’s Club in 2014. In 2015, Jay stepped into the Business Development Manager role covering the Kansas City and Iowa/Nebraska markets. In 2017, Jay and his family moved to Dallas, TX to start his new assignment as the Central Region Senior Business Development Manager. In March 2020, Jay was announced as the Central Region Sales Manager. In February 2023, Jay joined Morgan Stanley’s Corporate and Institutional Solutions group to assist Morgan Stanley at Work in building out their retirement plan participant engagement program.
Jay received his BBA in Management from Fort Hays State University where he attended on a football scholarship, an MBA from the University of Kansas, and the CPWA® certification. Jay and his wife Lauren have three sons: James, Charlie, and William.
Since 2012, Jay has held multiple leadership positions at Morgan Stanley. Jay joined the firm as a financial advisor in the Kansas City market, after spending 6 years in executive recruiting for the life sciences industry. During his time as a Financial Advisor, he was named to the Pacesetter’s Club in 2014. In 2015, Jay stepped into the Business Development Manager role covering the Kansas City and Iowa/Nebraska markets. In 2017, Jay and his family moved to Dallas, TX to start his new assignment as the Central Region Senior Business Development Manager. In March 2020, Jay was announced as the Central Region Sales Manager. In February 2023, Jay joined Morgan Stanley’s Corporate and Institutional Solutions group to assist Morgan Stanley at Work in building out their retirement plan participant engagement program.
Jay received his BBA in Management from Fort Hays State University where he attended on a football scholarship, an MBA from the University of Kansas, and the CPWA® certification. Jay and his wife Lauren have three sons: James, Charlie, and William.
About Emily Kanefield
Emily is a Senior Vice President and Branch Manager within the St. Louis market, overseeing the Chesterfield, Missouri and Edwardsville, Illinois branches.
Emily began her career in Financial Services after graduating from the business school at Emory University with a degree in Business Administration and a minor in Dance. Emily started her career in 2008 in the Graduate Training Program with UBS Financial Services and held various roles throughout the headquarters in New York City. She returned home to St. Louis in 2012 where she served as the Complex Operations Manager and then the Associate Complex Manager for the Kansas Missouri Complex of UBS. In 2017, Emily joined Morgan Stanley as the Branch Manager in Chesterfield, Missouri and eventually including Edwardsville, Illinois.
Emily’s greatest passion lies in raising and nurturing her family, skills and commitment she extends to the advisors and teams she works with at Morgan Stanley. Emily and her husband Neil live in University City with their four amazing children, Leah, Davi, Miriam and Mendy. Emily is a runner, reader and passionate about education. She serves on the board of the Clayton Education Foundation.
Emily began her career in Financial Services after graduating from the business school at Emory University with a degree in Business Administration and a minor in Dance. Emily started her career in 2008 in the Graduate Training Program with UBS Financial Services and held various roles throughout the headquarters in New York City. She returned home to St. Louis in 2012 where she served as the Complex Operations Manager and then the Associate Complex Manager for the Kansas Missouri Complex of UBS. In 2017, Emily joined Morgan Stanley as the Branch Manager in Chesterfield, Missouri and eventually including Edwardsville, Illinois.
Emily’s greatest passion lies in raising and nurturing her family, skills and commitment she extends to the advisors and teams she works with at Morgan Stanley. Emily and her husband Neil live in University City with their four amazing children, Leah, Davi, Miriam and Mendy. Emily is a runner, reader and passionate about education. She serves on the board of the Clayton Education Foundation.
About Deon Pohlmann
Deon began her career in 2004 as a financial advisor for Edward Jones. After 7 years in the field, she transitioned into the home office as a field supervision director where she helped advisors incorporate compliance into their day to day operations. In 2019, she transitioned to Morgan Stanley where she is now the Risk Officer for the Clayton location. Deon has a passion for collaborating with teams and guiding financial advisors through the ever changing compliance and risk landscape to assure we are keeping our clients at the forefront of everything we do. Outside of work, she loves spending time outdoors with her daughter and crazy Belgian Malinois.
About Trisha Petroskus
Trisha Petroskus started in the industry over 25 years ago working in the home office, specifically, Operations and Compliance. She joined the Morgan Stanley Team in 2023 and is enjoying working with the field and the clients. Outside of work, Trisha has picked up the trend of pickleball. You will also find her either at the soccer or baseball fields or reading a book by the pool.
About Joe Saadi
Joseph Saadi is a Regional Trust Specialist for Morgan Stanley. Within the Trust Services Group, Joe is responsible for delivering the “Open Architecture” trustee platform, which consists of several unaffiliated third-party trust companies who serve in a fiduciary, agency or custodial role for high-net-worth and ultra-high-net-worth families. Joe and the Trust Services Group help Morgan Stanley Financial Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how their corporate trustee partners provide fiduciary services to clients. The process involves reviewing trust documents and statements as well as analyzing family dynamics. Joe then uses this information to help clients select one or more of Morgan Stanley’s corporate trustee partners to serve as trustee, co-trustee or administrative agent for client trust accounts.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
About Sarah Ott
Sarah Ott, CFP®, CPWA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Midwest Market. She is responsible for advanced planning consultations and coaching.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a Financial Advisor and Director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration with a concentration in Entrepreneurship. She holds her Certified Financial Planner® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, and attending concerts and sporting events.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a Financial Advisor and Director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration with a concentration in Entrepreneurship. She holds her Certified Financial Planner® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, and attending concerts and sporting events.
About Lauren Hubert
Lauren Hubert is an Executive Director within Morgan Stanley Family Office (MSFO) and Client Management Lead. Lauren focuses on delivering an extensive range of financial and administrative solutions to address the needs of Family Offices and deliver the breadth of Morgan Stanley. Prior to her role on the MSFO team, Lauren spent 11 years in Institutional Securities at Morgan Stanley where she worked on the FX Sales desk. Lauren covered many of the firm’s largest institutional relationships across asset managers and hedge funds. Lauren received a B.S. in Finance from the University of Pennsylvania’s Wharton School and an MBA from Columbia University.
About Rick Effer
Rick is an experienced senior level executive of sales & business development, marketing & brand strategy, and operations with thirty-six years of demonstrated success in the Financial Services and Consumer Package Goods industries.
As an Executive Director and Insured Solutions Director with Morgan Stanley, Rick is a subject matter expert for annuity, life insurance, property & casualty, long-term care, disability, private placements, structured settlements and captive insurance strategies, and supports financial advisors to manage mass affluent, high net worth and ultra-high net worth client risks.
Prior to joining Morgan Stanley, Rick was a senior partner with a 100 year old, self-clearing broker dealer. Before that, he "carried the bag" as a wholesaler with The Hartford and Sun Life Financial.
Rick's working career started with a fifteen year stint at Anheuser-Busch, where he held a variety of senior positions within the sales and marketing organization.
Rick holds an undergraduate degree in finance from the University of Notre Dame and a Master’s in Business Administration from Washington University. He lives in St. Louis with his wife, Diane, and their three children.
As an Executive Director and Insured Solutions Director with Morgan Stanley, Rick is a subject matter expert for annuity, life insurance, property & casualty, long-term care, disability, private placements, structured settlements and captive insurance strategies, and supports financial advisors to manage mass affluent, high net worth and ultra-high net worth client risks.
Prior to joining Morgan Stanley, Rick was a senior partner with a 100 year old, self-clearing broker dealer. Before that, he "carried the bag" as a wholesaler with The Hartford and Sun Life Financial.
Rick's working career started with a fifteen year stint at Anheuser-Busch, where he held a variety of senior positions within the sales and marketing organization.
Rick holds an undergraduate degree in finance from the University of Notre Dame and a Master’s in Business Administration from Washington University. He lives in St. Louis with his wife, Diane, and their three children.
About Julia Franz
Julia Franz’s primary role as Planning Analyst is working with ultra-high net worth Financial Advisors to create comprehensive wealth plans for their high-net worth clients. Prior to joining the Chicago Wealth Planning Center in 2011, Julia was a senior investment analyst for Northwestern Mutual Investment Services and senior case design analyst for New Century Planners.
Julia graduated from the University of Dayton with a Bachelor of Science degree, with a major in Market Research and minors in
Economics and Finance. She is currently pursuing the CERTIFIED FINANCIAL PLANNERTM designation.
Julia graduated from the University of Dayton with a Bachelor of Science degree, with a major in Market Research and minors in
Economics and Finance. She is currently pursuing the CERTIFIED FINANCIAL PLANNERTM designation.
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in Missouri.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University and he and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University and he and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
About Brian Eichholz
Brian Eichholz is an Ultra High Net Worth Specialist serving Morgan Stanley Wealth Management offices in the Mid America Region.
Ultra-High Net Worth (UHNW) Specialists partner with Private Bankers, Financial Advisors, and Private Wealth Advisors to develop a specialized approach for managing cash flow, liquidity, and financing needs for the unique structure of UHNW clients.
Brian began his career in financial services in 2003 and joined Morgan Stanley in 2016 as an Associate Region Manager. Prior to joining the firm, Brian held multiple management roles at Bank of America Merrill, including Market Executive for the Mid-America Region, Central Southeast Division Sales Performance Manager, and Midwest Region Manager.
Brian is a graduate of Truman State University, where he received a Bachelor of Science in Business Management. He lives in Wildwood, Missouri with his family. Outside of the office, Brian enjoys golf and watching his kids play sports.
Ultra-High Net Worth (UHNW) Specialists partner with Private Bankers, Financial Advisors, and Private Wealth Advisors to develop a specialized approach for managing cash flow, liquidity, and financing needs for the unique structure of UHNW clients.
Brian began his career in financial services in 2003 and joined Morgan Stanley in 2016 as an Associate Region Manager. Prior to joining the firm, Brian held multiple management roles at Bank of America Merrill, including Market Executive for the Mid-America Region, Central Southeast Division Sales Performance Manager, and Midwest Region Manager.
Brian is a graduate of Truman State University, where he received a Bachelor of Science in Business Management. He lives in Wildwood, Missouri with his family. Outside of the office, Brian enjoys golf and watching his kids play sports.
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Branch Address
7733 Forsyth Blvd
Ste 2100
Clayton, MO 63105
US
Branch:
(314) 863-2000(314) 863-2000
Fax:
(314) 854-5606(314) 854-5606
Details
Located on the 20th and 21st Floor of the Pierre Laclede Center. Receptionist is on the 21st Floor. Parking is available in the building and will be validated.
1Morgan 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.
2Morgan 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 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.
4Tax laws are complex and are subject to change. 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. 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 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
6Morgan 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
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Tax laws are complex and are subject to change. 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. 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.
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
2Morgan 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 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.
4Tax laws are complex and are subject to change. 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. 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 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
6Morgan 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
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Tax laws are complex and are subject to change. 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. 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.
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
CRC 6491812 04/2024