Fiduciary Consulting Group
Family
Whether you’re starting a family, funding a child’s education or addressing health care needs, we’ll work with you to create a roadmap to your future and help you achieve—and protect—your goals.
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Products and Services for Families
529 Plans / Education Planning
Solutions for the many ways to save for a child's college education, including 529 College Savings Plans, Coverdell Education Savings Accounts and UGMA/UTMA.
Trust Services and Accounting
Helping pair appropriate third-party trustees with your clients' trust accounts as well as assistance selecting an appropriate advisory solution for managing trust assets.
Estate Planning
Addressing the needs of your estate from helping families handle wills and legal documents to legacy planning and gifting to helping with family governance and wealth plan protection.
Long Term Care Insurance
Helping clients protect their retirement portfolios by identifying a variety of long-term care solutions which provide security and peace of mind.
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We look forward to starting the conversation on how we can help.1Not all services are available in all jurisdictions
2Assets advised or under management as of 12/31/2024
3The ratio is as of 12/31/2024 and calculated based on total number of Fiduciary Consulting Group investment and support personnel
Investors 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.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley 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. To understand the differences between brokerage and advisory relationships, individuals should consult with a Financial Advisor, 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 and other legal matters.
OCIO services may be provided by Fiduciary Consulting Group or Wealth Management and Educational services are offered through Wealth Management
Morgan Stanley Institutional Investment Advisors LLC (MSIIA) is registered with Securities and Exchange Commission as an investment adviser under the Investment Advisers Act of 1940, as amended, which means Morgan Stanley Institutional Investment Advisors LLC is a fiduciary when providing investment advisory services. The Fiduciary Consulting Group is a separate business unit within Morgan Stanley Institutional Investment Advisors LLC (“MSIIA”).
When Morgan Stanley Institutional Investment Advisors LLC, its affiliates and consultants provide “investment advice” regarding a retirement plan account, Morgan Stanley Institutional Investment Advisors 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 Institutional Investment Advisors provides investment education or otherwise does not provide “investment advice”, Morgan Stanley Institutional Investment Advisors LLC will not be considered a “fiduciary” under ERISA and/or the Code.
The purpose of this website is for distribution of general information about our services and not a solicitation to deliver personalized investment advice. Not all services are available in all jurisdictions.
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. The strategies and/or investments discussed in this material may not be appropriate for all investors. Morgan Stanley Institutional Investment Advisors recommends that investors independently evaluate particular investments and strategies and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
The material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
Tax laws are complex and subject to change. Morgan Stanley Institutional Investment Advisors and its affiliates 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.
This website may include informational links to services provided by an affiliate of Morgan Stanley Institutional Investment Advisors, Morgan Stanley Smith Barney LLC. These links are provided only as a convenience. The inclusion of any link is not and does not imply sponsorship, endorsement, approval, investigation, verification. In no event shall Morgan Stanley Institutional Investment Advisors be responsible for the information contained on that site or your use of or inability to use such site. For additional information, please reach out to your Morgan Stanley Institutional Investment Advisors consultant.
Additional information about the Fiduciary Consulting Group is also available on the SEC’s website at: www.adviserinfo.sec.gov.
CRC4218634 04/2025
2Assets advised or under management as of 12/31/2024
3The ratio is as of 12/31/2024 and calculated based on total number of Fiduciary Consulting Group investment and support personnel
Investors 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.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley 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. To understand the differences between brokerage and advisory relationships, individuals should consult with a Financial Advisor, 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 and other legal matters.
OCIO services may be provided by Fiduciary Consulting Group or Wealth Management and Educational services are offered through Wealth Management
Morgan Stanley Institutional Investment Advisors LLC (MSIIA) is registered with Securities and Exchange Commission as an investment adviser under the Investment Advisers Act of 1940, as amended, which means Morgan Stanley Institutional Investment Advisors LLC is a fiduciary when providing investment advisory services. The Fiduciary Consulting Group is a separate business unit within Morgan Stanley Institutional Investment Advisors LLC (“MSIIA”).
When Morgan Stanley Institutional Investment Advisors LLC, its affiliates and consultants provide “investment advice” regarding a retirement plan account, Morgan Stanley Institutional Investment Advisors 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 Institutional Investment Advisors provides investment education or otherwise does not provide “investment advice”, Morgan Stanley Institutional Investment Advisors LLC will not be considered a “fiduciary” under ERISA and/or the Code.
The purpose of this website is for distribution of general information about our services and not a solicitation to deliver personalized investment advice. Not all services are available in all jurisdictions.
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. The strategies and/or investments discussed in this material may not be appropriate for all investors. Morgan Stanley Institutional Investment Advisors recommends that investors independently evaluate particular investments and strategies and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
The material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
Tax laws are complex and subject to change. Morgan Stanley Institutional Investment Advisors and its affiliates 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.
This website may include informational links to services provided by an affiliate of Morgan Stanley Institutional Investment Advisors, Morgan Stanley Smith Barney LLC. These links are provided only as a convenience. The inclusion of any link is not and does not imply sponsorship, endorsement, approval, investigation, verification. In no event shall Morgan Stanley Institutional Investment Advisors be responsible for the information contained on that site or your use of or inability to use such site. For additional information, please reach out to your Morgan Stanley Institutional Investment Advisors consultant.
Additional information about the Fiduciary Consulting Group is also available on the SEC’s website at: www.adviserinfo.sec.gov.
CRC4218634 04/2025
