Phone:
(205) 969-7029(205) 969-7029
Hirsch Giles Caine at Morgan Stanley
Direct:
(205) 969-7051(205) 969-7051
Toll-Free:
(800) 223-3758(800) 223-3758
Our Mission Statement
Working with you to help grow and preserve wealth for all your long-term goals
Hirsch Giles Caine
It is a pleasure and a privilege to help our clients plan and invest toward the achievement of their individual and family goals. Each client is unique and we tailor our approach to personal, family, business and estate management in careful recognition of the client's unique goals and objectives.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Asset Management
- Professional Portfolio ManagementFootnote4
- Fixed IncomeFootnote5
- 529 PlansFootnote6
- Cash Management and Lending ProductsFootnote7
- Estate Planning StrategiesFootnote8
- Trust AccountsFootnote9
- Life InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Cybersecurity for Every Age
With the ever-evolving landscape of cybercrime and technology, it's integral to the safety of our families to stay diligent in their personal cybersecurity habits. Please see below for personal cybersecurity habits as well as how you can keep your more vulnerable family members safe.
Security Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out the collection of practical takeaways best practices from our cybersecurity professionals.
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Maintain Good Cybersecurity Habits
Whether it’s strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more.
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Cybersecurity for Seniors
Senior citizens are regularly targeted by cyber criminals.
Learn how to help protect your elderly loved ones.
Read MoreLearn how to help protect your elderly loved ones.
Cybersecurity 101: Staying Safe at College
College students can be prime targets for cybercriminals due to their lack of knowledge about cyber threats, frequent use of social media and usage of multiple devices.
Read MoreCERTIFIED FINANCIAL PLANNER- WILLIAM H. CAINE
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. William's diverse skillsets can help can help clients navigate the complicated financial factors in their life. See below for more information about the CFP designation and how we can help:
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
Experience
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professional is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board's Code of Ethics. The Rules of Conduct require the CFP® professional to put the client's interest first at all times.
Live A Financially Educated Life
We believe ongoing financial education leads to a better understanding of how to manage your assets and preserve your wealth. To that end, we have provided several resources to help broaden the scope of what the firm has to offer.
Thoughts On The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Click Here For The Most Recent Episodes
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here For The Latest Report
On The Markets Report
Go through detailed market commentary from Morgan Stanley's leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here To Read The Latest Report
2025 Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Please refer to the document below for more information
Click Here To View The 2025 Tax TablesPlease refer to the document below for more information
Digital Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Digital Vault
In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault allows you to build a central, shared document library where all documents are stored using encryption.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Location
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35243
US
Direct:
(205) 969-7051(205) 969-7051
Toll-Free:
(800) 223-3758(800) 223-3758
Meet Hirsch Giles Caine
Phone:
(205) 969-7051(205) 969-7051
Phone:
(205) 969-7053(205) 969-7053
Barbara C. Walker
Portfolio Associate
Phone:
(205) 969-7077(205) 969-7077
About Richard Hirsch
Richard Hirsch brings a lifelong interest in investing to his role and his service to clients at Morgan Stanley. He started following the stock markets at the age of eight and took a short detour along the way to a career spanning four decades.
A graduate of Louisiana State University (LSU) with a degree in landscape architecture, he moved from Baton Rouge where he spent his childhood to the Birmingham area where he has lived since. His career in landscape architecture was cut short by an opportunity to work in financial services and he knew he had found a professional home.
Designing portfolios with the individualized touch he applies to the landscape projects he oversees from time to time for friends and family, Richard is careful to evaluate client goals within the framework of appropriate risk management.
Richard and his wife Eve are Vestavia Hills residents and are the parents of two adult sons.
A graduate of Louisiana State University (LSU) with a degree in landscape architecture, he moved from Baton Rouge where he spent his childhood to the Birmingham area where he has lived since. His career in landscape architecture was cut short by an opportunity to work in financial services and he knew he had found a professional home.
Designing portfolios with the individualized touch he applies to the landscape projects he oversees from time to time for friends and family, Richard is careful to evaluate client goals within the framework of appropriate risk management.
Richard and his wife Eve are Vestavia Hills residents and are the parents of two adult sons.
Securities Agent: GA, AK, MA, SC, AR, MS, NC, MN, KY, IL, KS, ID, AL, TX, CO, WA, TN, OH, FL, AZ, LA, DE, PA, VA, CA, NY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1404031
NMLS#: 1404031
About Tony Giles
Tony Giles has provided investment services and financial planning to individuals and families since 1995. Utilizing a portfolio design process centered on the client’s specific goals, he gives attention to management of both assets and liabilities.
In his first job at the age of 13, Tony was a radio announcer and continued to work in broadcasting through his high school years in central Florida and his college years at Snead State Community College and The University of Alabama. He was a radio and television talk show host after moving to Birmingham from Tuscaloosa. His career transition to financial services did not end his days with a microphone. He is the stadium announcer for football, men’s basketball and gymnastics at The University of Alabama.
He is an active member of the Vestavia Hills Baptist Church and has served the community through Children’s of Alabama, Habitat for Humanity, The Exceptional Foundation, Community Food Bank of Central Alabama, Foundations Early Learning and Family Center, the UAB Finance Advisory Committee, The Alabama Winds, Red Mountain Theatre Company, Hoover City Schools, Hoover Athletic Association and the Hoover Youth Sports Council.
Tony and his wife Lynn, an elementary school teacher, have two adult sons.
In his first job at the age of 13, Tony was a radio announcer and continued to work in broadcasting through his high school years in central Florida and his college years at Snead State Community College and The University of Alabama. He was a radio and television talk show host after moving to Birmingham from Tuscaloosa. His career transition to financial services did not end his days with a microphone. He is the stadium announcer for football, men’s basketball and gymnastics at The University of Alabama.
He is an active member of the Vestavia Hills Baptist Church and has served the community through Children’s of Alabama, Habitat for Humanity, The Exceptional Foundation, Community Food Bank of Central Alabama, Foundations Early Learning and Family Center, the UAB Finance Advisory Committee, The Alabama Winds, Red Mountain Theatre Company, Hoover City Schools, Hoover Athletic Association and the Hoover Youth Sports Council.
Tony and his wife Lynn, an elementary school teacher, have two adult sons.
Securities Agent: GA, DE, VA, KS, TX, SC, LA, ID, TN, CO, CA, WA, AK, OH, AL, AZ, MS, MN, MA, AR, PA, NC, FL, KY, IL, NY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274515
NMLS#: 1274515
About William H. Caine
William Caine has more than two decades experience in the financial services industry. He started his career in 2001 with UBS Financial Services in Atlanta, Georgia, and since 2004 has been a Financial Advisor with Morgan Stanley. With the vast resources of Morgan Stanley William works diligently to better understand and meet the needs of clients.
William is a CERTIFIED FINANCIAL PLANNER™, which means he has met the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. He also earned a Bachelor of Science in Financial Management from the University of Alabama.
Over the years William has served his community as an active member of St. Mary’s-On-the-Highlands Episcopal Church, past board member for the Mountain Brook City Schools Foundation and youth soccer coach. William and his wife Kelley, a real estate agent, have three daughters. In his free time, he enjoys a variety of outdoor activities, especially those including his dogs Winston and Pepper.
William is a CERTIFIED FINANCIAL PLANNER™, which means he has met the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. He also earned a Bachelor of Science in Financial Management from the University of Alabama.
Over the years William has served his community as an active member of St. Mary’s-On-the-Highlands Episcopal Church, past board member for the Mountain Brook City Schools Foundation and youth soccer coach. William and his wife Kelley, a real estate agent, have three daughters. In his free time, he enjoys a variety of outdoor activities, especially those including his dogs Winston and Pepper.
Securities Agent: PA, AL, VA, MA, ID, CA, TX, OH, NY, TN, LA, NC, AK, MO, GA, IL, FL, CO, WA, SC, MN, AZ, KS, KY, MS, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1639899
NMLS#: 1639899
About Barbara C. Walker
Barbara Walker is committed to helping ensure proper processing of the countless details which are very important to clients. Opening accounts, processing payments, researching holdings and managing correspondence are among the many services she provides.
Her entire career since her time as a student at UAB has been devoted to financial services. Along the way she served in bond accounting and safekeeping at a bank and as service manager for a Smith Barney branch which became a Morgan Stanley branch with the joint venture of the firms.
Barbara is a lifelong resident of Jefferson County. She and her husband Doug are parents of a young adult daughter.
Her entire career since her time as a student at UAB has been devoted to financial services. Along the way she served in bond accounting and safekeeping at a bank and as service manager for a Smith Barney branch which became a Morgan Stanley branch with the joint venture of the firms.
Barbara is a lifelong resident of Jefferson County. She and her husband Doug are parents of a young adult daughter.
Contact Richard Hirsch
Contact Tony Giles
Contact William H. Caine
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Whitney Syme
Associate Private Banker
Brandon Marsh, CPWA®
Financial Planning Director, Vice President
About Whitney Syme
Whitney Syme is an Associate Private Banker serving Morgan Stanley
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
NMLS#: 2277780
About Brandon Marsh
Brandon Marsh, CPWA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Alabama, Arkansas, and the Florida Panhandle. Brandon is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience lends delivering guidance and skilled focus to clients on a variety of areas of financial planning concerns.
Brandon holds an undergraduate degree in Business Administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a CPWA (Certified Private Wealth Advisor) designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama with his wife Hayley and two sons Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience lends delivering guidance and skilled focus to clients on a variety of areas of financial planning concerns.
Brandon holds an undergraduate degree in Business Administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a CPWA (Certified Private Wealth Advisor) designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama with his wife Hayley and two sons Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
5 Mistakes to Avoid in Retirement
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Hirsch Giles Caine 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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’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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Investors 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.
7Morgan 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
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 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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’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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Investors 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.
7Morgan 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
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 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
