Roger D Achtermann
Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Management Director, Insurance Planning Director
Phone:
(703) 739-3688(703) 739-3688
Eric V Goodson, CFP®
Senior Vice President, Wealth Management,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Financial Planning Specialist,
Portfolio Management Director
Direct:
(703) 739-3684(703) 739-3684
Toll-Free:
(800) 336-5405(800) 336-5405
My Mission Statement
Striving to be a trusted partner, committed to helping clients navigate their financial journey with confidence and piece of mind
Welcome
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who clients are and the financial forces at work in their life. It means helping clients understand and respond effectively to these forces. And it means helping to invest assets in a way that reflects the realities of a client's life and the uniqueness of their goals.
I am committed to building a relationship of trust by working closely with you, defining your objectives, exploring alternatives and choosing the strategies most appropriate for you. My goal is for you to come to regard me as a valued resource and professional who really listens to your particular needs, helping you make better decisions on any financial issue.
I have the honor and pleasure of serving a diverse, nationwide client base which includes successful professionals, corporate executives, entrepreneurs, non-profit organizations, corporations, and individuals and families with substantial and complex assets. The common thread is their desire to work closely with a sophisticated team that never stops thinking about them.
I pride myself on developing long-lasting relationships with clients that often span generations. I work extremely hard to instill the feeling that they are firmly at the center of everything I do.
As a member of The Alexandria Group at Morgan Stanley, I have access to the experience of my team and the ability to offer access to a platform of world class solutions to help clients secure their financial future.
I am committed to building a relationship of trust by working closely with you, defining your objectives, exploring alternatives and choosing the strategies most appropriate for you. My goal is for you to come to regard me as a valued resource and professional who really listens to your particular needs, helping you make better decisions on any financial issue.
I have the honor and pleasure of serving a diverse, nationwide client base which includes successful professionals, corporate executives, entrepreneurs, non-profit organizations, corporations, and individuals and families with substantial and complex assets. The common thread is their desire to work closely with a sophisticated team that never stops thinking about them.
I pride myself on developing long-lasting relationships with clients that often span generations. I work extremely hard to instill the feeling that they are firmly at the center of everything I do.
As a member of The Alexandria Group at Morgan Stanley, I have access to the experience of my team and the ability to offer access to a platform of world class solutions to help clients secure their financial future.
Services Include
Securities Agent: MD, SC, UT, DC, WV, MI, NY, KS, GA, MN, AL, VA, PA, MT, AR, WA, TN, OH, NJ, IL, DE, AZ, TX, OR, NM, NC, MA, KY, CT, CO, ME, HI, CA, VT, NV, NH, ND, IN, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1411230
NMLS#: 1411230
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Discover: It's All About You
Learning about you is crucial before we can provide you with advice. That's why we begin with a process that is centered on you. Guided by a robust discovery process, we gain an understanding of your life - the people, activities, things and ideas that are important to you - including your needs and aspirations. Once we understand your life goals, we develop a truly personalized wealth strategy.
Create: A Personalized Plan to Address Your Goals
Using our suite of tools we can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Act: Implementing Financial Solutions
We tailor our product and investment recomendations to meet the needs uncovered in the weatlh planning process. We determine appropriate strategies for helping to protect and grow your wealth, including preserving your assets for your heirs.
Adjust: Helping to Keep You on Track as Life Changes
Over time, your needs and priorities evolve. Meanwhile, markets shift, interest rates fluctuate and tax laws change. That's why building and monitoring your wealth strategy should be a continual process, adjusting and adapting to your changing circumstances.
Prepared For Anything
The Morgan Stanley process begins with you, your investment objectives, and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Goals Planning System (GPS)
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Working together we can uncover your needs, manage risk, and build a customized plan to help you reach your financial goals. GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
To learn more, watch this video:
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView Questionnaire
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters. Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to help better enable risk to be effectively monitored and managed.
Portfolio Risk Platform – Powered by Aladdin
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Intelligent WithdrawalsAwards & Designations
CERTIFIED FINANCIAL PLANNER™
As a CERTIFIED FINANCIAL PLANNER™ (CFP®) I can help you create and maintain a comprehensive, goals-based financial plan. Financial planning is a dynamic process that involves more than just investments. Through my rigorous training, I have extensive knowledge to be able to deliver you thoughtful advice and recommendations for decisions involving money to help ensure it aligns with your objectives.
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to issuance of the award.
https://mgstn.ly/3WT0Yi7
https://mgstn.ly/3WT0Yi7
2019-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2019. 2020, 2021, 2022, and 2023) These awards were determined through an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following periods:
2019 Award - 12/31/18 - 8/9/19
2020 Award - 1/27/20 - 8/21/20
2021 Award - 1/4/21 - 7/23/21
2022 Award - 1/10/22 - 8/26/22
2023 Award - 1/9/23 - 7/31/23
https://www.morganstanley.com/disclosures/awards-disclosure.html
2019 Award - 12/31/18 - 8/9/19
2020 Award - 1/27/20 - 8/21/20
2021 Award - 1/4/21 - 7/23/21
2022 Award - 1/10/22 - 8/26/22
2023 Award - 1/9/23 - 7/31/23
https://www.morganstanley.com/disclosures/awards-disclosure.html
2024 Barron's Top 250 Private Wealth Management Teams
Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
https://mgstn.ly/3WT0Yi7
https://mgstn.ly/3WT0Yi7
About Me
Since 2000, I have enjoyed professionally advising investors with a wide variety of needs and goals. I understand that the families and businesses with whom I work can sometimes face a variety of complex tax, estate planning, and financial issues. To best address these diverse situations, I take a holistic approach when creating your financial plan, addressing all of the relevant areas of personal finance, including retirement planning, investment management, tax planning strategies, wealth accumulation, cash flow generation, insurance, and estate planning strategies. I strive to serve as a reliable resource for clients’ financial questions and to instill confidence that the strategy put into place will help them to meet their life goals.
I am a graduate of The Georgetown University Center for Professional Development, where I earned an Executive Certificate in Financial Planning by successfully completing rigorous coursework in all aspects of financial planning. As a CERTIFIED FINANCIAL PLANNERTM (CFP®) practitioner, I’m committed to abiding by a strict code of professional conduct, known as the CFP® Board’s Code of Ethics and Professional Responsibility. As an undergraduate, I received a Bachelor’s of Science degree in Aerospace Engineering from Virginia Tech. My experience, training, and the world class resources of Morgan Stanley provide me the tools to help find solutions for the most complex cases.
I live in Clifton, VA with my wife and elementary school age son and daughter. In our free time, we love being outdoors and experiencing the many beautiful parks our area has to offer, as well as trying new restaurants around the city.
I am a graduate of The Georgetown University Center for Professional Development, where I earned an Executive Certificate in Financial Planning by successfully completing rigorous coursework in all aspects of financial planning. As a CERTIFIED FINANCIAL PLANNERTM (CFP®) practitioner, I’m committed to abiding by a strict code of professional conduct, known as the CFP® Board’s Code of Ethics and Professional Responsibility. As an undergraduate, I received a Bachelor’s of Science degree in Aerospace Engineering from Virginia Tech. My experience, training, and the world class resources of Morgan Stanley provide me the tools to help find solutions for the most complex cases.
I live in Clifton, VA with my wife and elementary school age son and daughter. In our free time, we love being outdoors and experiencing the many beautiful parks our area has to offer, as well as trying new restaurants around the city.
Location
333 John Carlyle St
Suite 650
Alexandria, VA 22314
US
Direct:
(703) 739-3684(703) 739-3684
Toll-Free:
(800) 336-5405(800) 336-5405
Fax:
(703) 683-5940(703) 683-5940
Meet My Team
David Williams
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(703) 739-3693(703) 739-3693
Sandra Guerrant
Assistant Vice President, Director of Business Strategy
Phone:
(703) 739-3687(703) 739-3687
Tony Natale
Wealth Management Analyst
Phone:
(703) 739-3664(703) 739-3664
Michael J. Hartary
Senior Registered Associate
Phone:
(703) 535-8344(703) 535-8344
About Roger D Achtermann
For over 34 years, I’ve had the privilege of working closely with clients to help them reach their financial goals. I will strive to earn your trust by listening closely to your unique needs, learning about your situation, and tailoring investment solutions to meet the challenges you face.
In recent years, I’ve made it a priority to expand my business to support my clients’ sense of social responsibility and charitable ambitions. My goal is to translate their good intentions into tailored investment strategies that align with their social values and philanthropic goals.
Throughout my career, I’ve completed extensive studies in investment analysis and financial planning. I earned my undergraduate degree with honors from Colgate University in 1982, followed by a master’s degree from Virginia Tech.
When I’m not helping clients, I enjoy hiking, biking, gardening, and birding. However, I most enjoy spending time with my wife of 36 years, Jo Anna; our adult sons, Ben and Sam; and our good friends.
I’ve learned that raising a family presents many joys, but it also creates many challenges and aspirations that depend on one’s finances. My personal experience combined with my professional training, the skill of our talented and dedicated team at The Alexandria Group at Morgan Stanley and the extensive resources of Morgan Stanley all serve as valuable assets for helping our clients navigate and meet their own challenges and goals.
Securities Agent: CO, UT, MD, TN, WA, MN, VT, MA, NV, AL, MI, AZ, ME, WV, ND, NH, NM, NY, OK, NJ, TX, CT, DC, GA, FL, IL, IN, KY, HI, AR, VA, SD, SC, PA, OR, OH, NC, MT, MS, LA, ID, DE, CA, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1416422
In recent years, I’ve made it a priority to expand my business to support my clients’ sense of social responsibility and charitable ambitions. My goal is to translate their good intentions into tailored investment strategies that align with their social values and philanthropic goals.
Throughout my career, I’ve completed extensive studies in investment analysis and financial planning. I earned my undergraduate degree with honors from Colgate University in 1982, followed by a master’s degree from Virginia Tech.
When I’m not helping clients, I enjoy hiking, biking, gardening, and birding. However, I most enjoy spending time with my wife of 36 years, Jo Anna; our adult sons, Ben and Sam; and our good friends.
I’ve learned that raising a family presents many joys, but it also creates many challenges and aspirations that depend on one’s finances. My personal experience combined with my professional training, the skill of our talented and dedicated team at The Alexandria Group at Morgan Stanley and the extensive resources of Morgan Stanley all serve as valuable assets for helping our clients navigate and meet their own challenges and goals.
Securities Agent: CO, UT, MD, TN, WA, MN, VT, MA, NV, AL, MI, AZ, ME, WV, ND, NH, NM, NY, OK, NJ, TX, CT, DC, GA, FL, IL, IN, KY, HI, AR, VA, SD, SC, PA, OR, OH, NC, MT, MS, LA, ID, DE, CA, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1416422
Securities Agent: HI, GA, CA, AR, PA, NJ, CT, VA, TX, OR, OH, ND, DC, MI, MA, DE, MT, NY, NC, WV, VT, NH, KY, AZ, AL, SC, ME, KS, IN, IL, FL, WA, MN, CO, UT, TN, NV, NM, MD; General Securities Representative; Investment Advisor Representative
About David Williams
A native of Virginia Beach, I relocated to northern Virginia in 2006 after completing my undergraduate degree in political science at James Madison University ("Go Dukes!") to pursue a career in counterterrorism. After spending over a decade in the defense and intelligence realm, I decided to enter the financial services industry in 2018. A drive to help individuals and their families build and preserve wealth precipitated this change, and ultimately led me to Morgan Stanley; it has been a welcome and rewarding endeavor thus far.
As your trusted advisor, my mission is to help you develop, refine, and ultimately achieve your financial goals and objectives. I strive to understand what's important to you and your family, and to help you create a road map for financial success. Leveraging the skills and abilities of the Alexandria Group and Morgan Stanley, I can make actionable investment recommendations based on a combination of data and other factors important to you.
When I am not engaged with clients or my team, I enjoy traveling domestically and abroad, attending sporting events, and broadening my musical horizons.
Securities Agent: MI, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1764853
As your trusted advisor, my mission is to help you develop, refine, and ultimately achieve your financial goals and objectives. I strive to understand what's important to you and your family, and to help you create a road map for financial success. Leveraging the skills and abilities of the Alexandria Group and Morgan Stanley, I can make actionable investment recommendations based on a combination of data and other factors important to you.
When I am not engaged with clients or my team, I enjoy traveling domestically and abroad, attending sporting events, and broadening my musical horizons.
Securities Agent: MI, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1764853
Securities Agent: CA, UT, OH, MT, CO, AZ, VT, TX, SC, PA, NC, MN, KY, GA, WV, WA, TN, OR, NJ, NH, MD, MA, IL, HI, NV, ND, MI, AL, VA, KS, IN, AR, NY, NM, MS, ME, DE, CT, FL, DC; General Securities Representative; Investment Advisor Representative
About Sandra Guerrant
For more than 18 years, I’ve enjoyed working with Roger and helping his clients. I have supported The Alexandria Group’s advisors, Roger and Eric, since its inception in 2009, handling all administrative responsibilities and client service with dedication and efficiency.
Our clients deserve to receive exceptional service, and as Senior Registered Associate I play a central role in helping The Alexandria Group to deliver it. I am licensed and qualified to handle client requests to buy and sell securities, manage accounts, and direct new client service initiatives. I take pride in the level of customer service I’ve provided to our clients and the long relationships we’ve built in the years I’ve worked with Roger and Eric.
I attended Mary Washington College and received a Bachelor’s of Arts degree from the University of South Florida. When not working, I enjoy experiencing the fantastic artistic and cultural opportunities our area offers with my husband, family, and friends.
Our clients deserve to receive exceptional service, and as Senior Registered Associate I play a central role in helping The Alexandria Group to deliver it. I am licensed and qualified to handle client requests to buy and sell securities, manage accounts, and direct new client service initiatives. I take pride in the level of customer service I’ve provided to our clients and the long relationships we’ve built in the years I’ve worked with Roger and Eric.
I attended Mary Washington College and received a Bachelor’s of Arts degree from the University of South Florida. When not working, I enjoy experiencing the fantastic artistic and cultural opportunities our area offers with my husband, family, and friends.
About Tony Natale
In October 2017, I joined Morgan Stanley and the Alexandria Group as an intern, after studying mathematics and economics at Syracuse University. I transitioned into a full-time role in May 2018 – joining the team as a Client Service Associate. In May 2022 I transitioned to my current role as a Wealth Management Analyst. My goal is to learn as much as I can as quickly as I can. In doing so, I hope I can provide a high-level of support to my team and service to our clients.
I recently moved to Falls Church and have enjoyed becoming more familiar with the DC area. In my free time, I enjoy learning about entrepreneurship and exploring the growing field of eSports.
I recently moved to Falls Church and have enjoyed becoming more familiar with the DC area. In my free time, I enjoy learning about entrepreneurship and exploring the growing field of eSports.
About Michael J. Hartary
I began my career in financial services in 1991 after taking an investing course in college. Thirty years later, with twelve of those being at Morgan Stanley, I have truly deepened my knowledge of this industry. My passion is helping our clients navigate their life experiences and attaining their financial goals. I pride myself on my ability to share the knowledge I’ve gained over the years with our clients and our advisors and I do so in a concise, digestible way.
I received my Bachelor of Science degree from Mary Washington College in Fredericksburg, VA and earned an MBA from the Keller Graduate School of Management while working full time. I currently hold my Series 7, 9, 10, and 66 licenses.
In my spare time I enjoy hiking, biking, kayaking, birding and gardening and I’m passionate about sustainability.
I received my Bachelor of Science degree from Mary Washington College in Fredericksburg, VA and earned an MBA from the Keller Graduate School of Management while working full time. I currently hold my Series 7, 9, 10, and 66 licenses.
In my spare time I enjoy hiking, biking, kayaking, birding and gardening and I’m passionate about sustainability.
Wealth Management
Global Investment Office
Portfolio Insights
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 Eric V Goodson 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
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.
8When 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.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
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.
8When 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.
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Awards Disclosures
CRC 6491812 (04/2024)
