Kristina Shifflett
Private Banker
Jamie Stallings
First Vice President,
Financial Advisor,
Portfolio Manager,
Insurance Planning Director
Direct:
(757) 259-7129(757) 259-7129
My Mission Statement
Serving as your single point of contact
for all your financial needs,
we help build and preserve your wealth
to help strengthen your family's financial success
for generations to come.
for all your financial needs,
we help build and preserve your wealth
to help strengthen your family's financial success
for generations to come.
My Story and Services
As your Morgan Stanley financial advisor, I believe it's important to invest my time to understand what goals you're working toward before you invest your money. Working closely with you and your CPA, attorney, and other professionals, I can help determine the most appropriate financial strategy for you and your family. I can also help with your retirement savings so you have more options when you retire, regardless of what you decide to do.
At Morgan Stanley, the strategies we offer and the solutions we recommend are based on what's most important to you. Once we understand your priorities, we can help you identify specific financial goals and develop strategies to help you work toward achieving them.
I started my career as a financial advisor in 2013 in Williamsburg, VA. Prior to this, I served my country in the United States Navy for 21 years, retiring as a Senior Chief Petty Officer, I have deployed around the world more than six times over.
I attended Ashford University and graduated Summa Cum Laude in 2013 with a Bachelor's degree in Business.
My wife, Amanda, and I have been married for 29 years and have two children; a daughter, Shelby, and a son, Zachary. Originally from Indianapolis, IN, we moved to Williamsburg and have called it our home since 2003.
Relationships are key, and in my view, meeting face to face builds strong relationships. We can meet when it's convenient for you because we recognize the challenging needs of your business and your lives.
We provide the investments, services, and tools our clients need to work toward their financial future.
At Morgan Stanley, the strategies we offer and the solutions we recommend are based on what's most important to you. Once we understand your priorities, we can help you identify specific financial goals and develop strategies to help you work toward achieving them.
I started my career as a financial advisor in 2013 in Williamsburg, VA. Prior to this, I served my country in the United States Navy for 21 years, retiring as a Senior Chief Petty Officer, I have deployed around the world more than six times over.
I attended Ashford University and graduated Summa Cum Laude in 2013 with a Bachelor's degree in Business.
My wife, Amanda, and I have been married for 29 years and have two children; a daughter, Shelby, and a son, Zachary. Originally from Indianapolis, IN, we moved to Williamsburg and have called it our home since 2003.
Relationships are key, and in my view, meeting face to face builds strong relationships. We can meet when it's convenient for you because we recognize the challenging needs of your business and your lives.
We provide the investments, services, and tools our clients need to work toward their financial future.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Trust ServicesFootnote2
- Wealth ManagementFootnote3
- Wealth PlanningFootnote4
- Qualified Retirement PlansFootnote5
- Professional Portfolio ManagementFootnote6
- Planning for Education FundingFootnote7
- Trust AccountsFootnote8
- Municipal BondsFootnote9
- Long Term Care InsuranceFootnote10
- Life InsuranceFootnote11
- Fixed IncomeFootnote12
- Financial PlanningFootnote13
- Estate Planning StrategiesFootnote14
- Asset Management
- Certificates of DepositFootnote15
- 529 PlansFootnote16
- AnnuitiesFootnote17
- Divorce Financial AnalysisFootnote18
Securities Agent: CT, CA, SC, AR, TN, PA, MI, ID, TX, NY, NH, NC, ME, MD, IN, DC, VA, RI, NJ, MS, HI, AL, WI, NV, KY, AZ, OR, NE, LA, GA, WV, CO, UT, OH, WA, NM, MA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1920553
NMLS#: 1920553
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Important Updates for 2025
We would like to ensure you are up to date on the following changes for the year ahead. Please let us know if you have any questions!
2025 Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
Disclosures LinkSource: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
401(k) and IRA limit increases for 2025
The amount individuals can contribute to their 401(k) plans in 2025 will increase to $23,500 - up from $23,000 for 2024. The limit on annual contributions to an IRA remains at $7,000.
Click Here to Read More
Income Tax Brackets for 2025
Depending on your taxable income, you can end up in one of seven different federal income tax brackets – each with its own marginal tax rate.
2025 Tax Tables
IRS Tax Inflation Adjustments for 2025
Learn more about the 2025 tax inflation adjustments for tax year 2025. The annual exclusion for gifts increases to $19,000 in 2025 from $18,000 in 2024.
More InformationKEY LIFE EVENTS
Navigate life's journey though key milestones like marriage and retirement. Our tailored financial articles ensures each step is smoother and more fulfilling.
Please let us know if you need anything or have any questions.
Please let us know if you need anything or have any questions.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. We will help you plan and prepare for the financial components that a new child might introduce to your lives.
Baby, Budgets and Buying a House
Education
Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.
Ways to Pay for Education
Marriage
There are few events more exciting than tying the knot with the person you love. Managing your wealth is a critical component to maintaining a long, fruitful marriage. Also, helping fund your child's wedding is a goal for many parents and grandparents.
Questions to Ask Your Partner
Divorce
Divorce is a stressful ordeal that is seldom easy. In can be very difficult to brave this battle alone. If necessary, we will help guide you through the priorities and issues that need to be settled to ensure that your needs are met with care and respect.
Planning for a New Beginning
Retirement
Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
Develop Your Retirement Roadmap
Death
We know how difficult losing a loved one can be. We are here to help you navigate the decisions to be made following the death of your spouse or other family member.
Navigating Decisions After Death of Loved OneVALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have curated the following resources that support our wealth management philosophy and investment strategies. We’ve provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
We have curated the following resources that support our wealth management philosophy and investment strategies. We’ve provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
Podcast: Thoughts On The Market
Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, provides perspectives on the forces that are shaping the market as he leads a discussion on the latest trends in the financial marketplace.
Click Here to Listen to the Podcast
Podcast: Morgan Stanley Ideas
The Morgan Stanley Ideas Podcast shares revealing stories about the world of business, finance, technology and beyond.
Click Here to Listen to the Podcast
Research: Global Investment Committee Weekly Report
Global Investment Committee member Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here to Read the ReportAre You Prepared for Tax Day?
The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.
Read MoreMANAGING YOUR MONEY IN THE 21ST CENTURY
Please find below links to resources you may find useful as you familiarize yourself with the Morgan Stanley Wealth Management platforms. If you have any questions, feel free to reach out to a member of the team.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Morgan Stanley Online
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
Sign Up
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
E-Authorization
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Esign
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Click Here to Learn More
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Digital Vault
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Total Wealth View
Goals Planning System (GPS)
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.
Goals Based PlanningClient Service Team
Corrie Goodwin - Senior Registered Client Associate
Phone:
(757) 259-7127(757) 259-7127
Email:Corrie.Goodwin@morganstanley.com
Corrie is a native of Rhode Island and graduated from Mount Ida College in Newton, Massachusetts. Upon graduation she moved to Florida to begin her career as a Licensed Funeral Director. Corrie understands the value in listening to client’s needs and the importance of detailed planning.
Corrie’s dedication to her community extended into years of volunteer work with the local hospice including her role as camp counselor for the annual children’s bereavement camp. Corrie also served as President for her Rotary Club twice and is a Paul Harris Fellow recipient. After 14 years in the funeral service industry, she decided to change careers, and joined Morgan Stanley in 2019 as a Registered Service Associate. Corrie and her husband William, a Navy Seabee, moved to Williamsburg in 2010 and have two children together. As a family they enjoy hiking, traveling and fossil hunting.
Corrie’s dedication to her community extended into years of volunteer work with the local hospice including her role as camp counselor for the annual children’s bereavement camp. Corrie also served as President for her Rotary Club twice and is a Paul Harris Fellow recipient. After 14 years in the funeral service industry, she decided to change careers, and joined Morgan Stanley in 2019 as a Registered Service Associate. Corrie and her husband William, a Navy Seabee, moved to Williamsburg in 2010 and have two children together. As a family they enjoy hiking, traveling and fossil hunting.
Anne Bouley - Portfolio Associate
Phone:
(804) 644-1104(804) 644-1104
Email:Anne.Bouley@morganstanley.com
Anne is a Portfolio Associate and began her career with the predecessor firm of Morgan Stanley in 1985. After spending five years in our Roanoke, Virginia office as Operations Manager, she returned to Richmond. Anne's multifaceted duties include assuring a high level of quality client service and coordinating the team's overall day to day operation. She is a graduate of Virginia Tech in Blacksburg, Virginia where she holds a Bachelor of Science Degree. Anne's extensive knowledge helps her provide personal comprehensive assistance and she welcomes the opportunity to serve our clients and their families.
Anne and her husband, Mike, live in Quinton, Virginia with their two rescue dogs. She is the mother of an adult daughter and has two grandchildren as well. When not working, Anne enjoys quilting, music and jewelry making.
Anne and her husband, Mike, live in Quinton, Virginia with their two rescue dogs. She is the mother of an adult daughter and has two grandchildren as well. When not working, Anne enjoys quilting, music and jewelry making.
Madeline C. Walsh - Team Administrator
Phone:
(757) 259-7128(757) 259-7128
Madeline is the Team Administrator and began at Morgan Stanley in 2024 as an Intern for The Wave Group. Currently, she is studying Finance and Economics at The College of William and Mary, planning to graduate in June 2026. At the Raymond A. Mason School of Business, she enjoys working as a Peer Educator for the Bruan Financial Literacy Program and Graphic Designer for the Boehly Center for Excellence in Finance.
She is originally from Washington, DC. When not working or in class, Madeline enjoys singing for her acapella group, playing guitar, running, boating, and horseback riding.
She is originally from Washington, DC. When not working or in class, Madeline enjoys singing for her acapella group, playing guitar, running, boating, and horseback riding.
Location
437 W Duke Of Gloucester Street
Williamsburg, VA 23185
US
Direct:
(757) 259-7129(757) 259-7129
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
Katie Thompson, CFP®
Financial Planning Director, Vice President
Kate Rives
Planning Associate
About Kristina Shifflett
Kristina Shifflett is a Private Banker serving Morgan Stanley Wealth Management offices in North Carolina and Virginia.
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.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
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.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
NMLS#: 1709833
About Katie Thompson
Katie Thompson is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southern Virginia. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Katie began her career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to her current position, she served as a Financial Planning Coordinator and, later, an Investment Executive at a regional financial services firm.
Katie graduated from the University of Richmond and holds her CERTIFIED FINANCIAL PLANNER™ designation. She and her family live in Richmond, Virginia. Outside of work, Katie enjoys gardening, reading, and cooking.
Katie began her career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to her current position, she served as a Financial Planning Coordinator and, later, an Investment Executive at a regional financial services firm.
Katie graduated from the University of Richmond and holds her CERTIFIED FINANCIAL PLANNER™ designation. She and her family live in Richmond, Virginia. Outside of work, Katie enjoys gardening, reading, and cooking.
About Kate Rives
Kate Rives is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Kate provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from The University of Georgia and received the Financial Planning Specialist® designation from the College for Financial Planning. Kate is originally from Memphis, Tennessee and currently resides in Alpharetta, Georgia.
She earned her undergraduate degree from The University of Georgia and received the Financial Planning Specialist® designation from the College for Financial Planning. Kate is originally from Memphis, Tennessee and currently resides in Alpharetta, Georgia.
Wealth Management
From My Desk
Are You Prepared for Tax Day?
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
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
Are You Prepared for Tax Day?
Article Image
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
Article Image
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
Article Image
Ready to start a conversation? Contact Jamie Stallings today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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 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 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
14Morgan 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.
15Investors 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.
16Investors 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.
17Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley 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 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
14Morgan 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.
15Investors 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.
16Investors 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.
17Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
