Jan Paul (JP) Ferrer, CFP®, CRPC®
Senior Vice President,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®
Direct:
(312) 419-3535(312) 419-3535
Toll-Free:
(800) 621-2842(800) 621-2842
My Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
About Us
JP received his bachelor’s in business administration from Robert Morris University and worked for 14 years in the management industry before transitioning over into the financial sector where he now advises and develops customized wealth management plans for individuals, their families, and their businesses.
JP is a Senior Vice President and Portfolio Management Director at Morgan Stanley. With over 25 years of financial services experience, he holds multiple certifications and has earned the prestigious designations of Certified Financial Planner™ (CFP®) and Chartered Retirement Planning Counselor (CRPC®). At current, he manages assets for clients from around the world.
As a community leader and entrepreneur, he also utilizes his talents to help provide jobs for weavers and farmers in the Philippines via his social venture, Ambension, in collaboration with the Chicagoland Gawad Kalinga supporters. JP was inducted into the Filipino Youth Leadership Program (FYLPro) in 2014 by the Philippine Ambassador to the United States, Honorable Jose Cuisia. JP is very passionate about empowering women, and he utilizes his talents to help provide jobs for women vis his social enterprise. He also was installed as Chaplain of the Hinsdale Lodge 934 for 2024-2025 year and given a Lodge Builder award by the Worshipful Master for his contribution above and beyond the minimal requirement.
JP enjoys fishing, volunteering in local town initiatives based around fine art, as well as fundraising for youth scholarships.
Other Memberships:
• Filipino Young Leaders Program
• Freemason - Hinsdale Lodge 934
• The Philippine American Chamber of Greater Chicago
• The Federation of Philippine American Chambers of Commerce
• The Philippine Engineers Scientists Organization (PESO)
• International Society of Filipinos in Finance and Accounting (ISFFA)
• Philippine American Cultural Foundation (PACF)
• Tinley Park-Frankfort Rotary Club
JP is a Senior Vice President and Portfolio Management Director at Morgan Stanley. With over 25 years of financial services experience, he holds multiple certifications and has earned the prestigious designations of Certified Financial Planner™ (CFP®) and Chartered Retirement Planning Counselor (CRPC®). At current, he manages assets for clients from around the world.
As a community leader and entrepreneur, he also utilizes his talents to help provide jobs for weavers and farmers in the Philippines via his social venture, Ambension, in collaboration with the Chicagoland Gawad Kalinga supporters. JP was inducted into the Filipino Youth Leadership Program (FYLPro) in 2014 by the Philippine Ambassador to the United States, Honorable Jose Cuisia. JP is very passionate about empowering women, and he utilizes his talents to help provide jobs for women vis his social enterprise. He also was installed as Chaplain of the Hinsdale Lodge 934 for 2024-2025 year and given a Lodge Builder award by the Worshipful Master for his contribution above and beyond the minimal requirement.
JP enjoys fishing, volunteering in local town initiatives based around fine art, as well as fundraising for youth scholarships.
Other Memberships:
• Filipino Young Leaders Program
• Freemason - Hinsdale Lodge 934
• The Philippine American Chamber of Greater Chicago
• The Federation of Philippine American Chambers of Commerce
• The Philippine Engineers Scientists Organization (PESO)
• International Society of Filipinos in Finance and Accounting (ISFFA)
• Philippine American Cultural Foundation (PACF)
• Tinley Park-Frankfort Rotary Club
Services Include
- Certificates of DepositFootnote1
- 529 PlansFootnote2
- Business PlanningFootnote3
- Corporate Retirement PlansFootnote4
- Estate Planning StrategiesFootnote5
- Executive Benefit ServicesFootnote6
- Executive Financial ServicesFootnote7
- Lending Products
- AnnuitiesFootnote8
- LGBT+ Planning ServicesFootnote9
- Alternative InvestmentsFootnote10
- Defined Contribution PlansFootnote11
- Financial PlanningFootnote12
- Life InsuranceFootnote13
- Long Term Care InsuranceFootnote14
- Stock Option PlansFootnote15
Securities Agent: KY, CO, OH, NV, NC, MO, IN, AL, SD, PR, NY, MN, DE, WY, WV, UT, NM, AZ, AR, AK, TX, SC, NJ, NE, MD, IL, DC, WI, VI, PA, LA, VA, VT, TN, OR, MI, MA, ID, IA, WA, RI, MS, FL, CA, OK, NH, ND, MT, ME, KS, HI, GA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1371436
NMLS#: 1371436
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Valued Clients
My practice is built on the development of deep enduring relationships and the delivery of comprehensive wealth management services. I work with a broad range of clients who value the advice we carefully craft to help them achieve their financial goals and preserve their wealth.
Customized Goals and Plans
The goals often involve events that change your life in meaningful ways:
1. Starting a family
2. A new job or career change
3.Planning for and enjoying retirement
4. Relocating to a different city, state or country
5.The divorce or inheritance.
Goals Planning1. Starting a family
2. A new job or career change
3.Planning for and enjoying retirement
4. Relocating to a different city, state or country
5.The divorce or inheritance.
Our Clients
1. Successful individuals and multiple generations of families
2. Professionals and business owners
3. Women seeking guidance for themselves and their families
4. Individuals faced with major life events that might impact their financial well-being: such as divorce, loss of a spouse or inheritance
5. Referrals from existing clients or industry professionals
Online Financial Tools2. Professionals and business owners
3. Women seeking guidance for themselves and their families
4. Individuals faced with major life events that might impact their financial well-being: such as divorce, loss of a spouse or inheritance
5. Referrals from existing clients or industry professionals
Reserved Living and Giving
Clients with $1 million + in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
About Reserved Living and Giving
Offers for Clients
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more. Curated Insights and articles spanning such topics as Family, Lifestyle, Health, Planning and Giving Back.
Reserved Living and Giving OffersONLINE TOOLS AND FEATURES AVAILABLE TO YOU
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, and smart. As a part of our services, these resources are readily available to all of our clients. Learn more about each tool and feature to see how it can easily help you manage and secure your financial journey.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Learn about MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn about Online Security
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery to securely save, print, send, and receive documents at any time.
Enroll in eDelivery
Morgan Stanley Online (MSO) App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
Learn about MSO App
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Watch Video
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Watch VideoLEGACY PLANNING
Financial planning customized to your family's needs is essential to the preservation of wealth. Keeping the next generation informed is key to their future financial goals.
Spending & Budgeting
The Spending and Budgeting tool helps you manage your cash flow across all of your accounts at Morgan Stanley, as well as those held at outside financial institutions.
Graduating College: A Whole New World
Graduating college is an important step forward, to help ensure you are prepared for what's ahead, it is important to understand how your financial decisions today can impact your opportunities tomorrow.
Starting Your First Job: What You Didn’t Learn In School
Starting a new job is a crucial first step toward finding a career that gets you out of bed in the morning and inspires you to grow.
Saying "I Do" To a Prenup?
There's more to consider than flower arrangements and food courses before your wedding day, it's also important to think about how to manage money as a couple. The big questions on fiancés' minds are whether they should join finances and sign a prenup agreement before they say, "I do".
Why Your Home Can Be a Retirement Asset
Preparing for retirement means building a nest egg that will sustain your lifestyle long after you decide to stop working. It can be a daunting task if you only consider your investment portfolio and other sources of income, such as Social Security, while overlooking another important asset: the equity you have in your home.
A Parent's Guide to Talking to Your Kids about Money
Teaching kids about financial insecurity without making them feel anxious is difficult. Go too far and it can create unnecessary anxiety in a young child, which can also lead to poor decision making later.
Family Dynamics and Conflict Resolution
Through proactive planning and honest communication, you can navigate the complexities of family matters to preserve a happy and healthy home.
NextGen Videos
An educational short video series on Goal Setting and Budgeting; Credit and Debt Management; and Introduction to Investing that demonstrates basic strategies as a starting point.
Planning Your Future
I will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is retirement planning, transitioning into retirement, or managing your assets while in retirement, I am equipped with the resources and knowledge to help you accomplish your personal and financial goals.
Understanding Your Savings Vehicle
When it comes to retirement savings, the most important thing is to get started. Although retirement may seem far away, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
401(k) strategies
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it is critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Log in to MSO
The Psychological Transition Into Retirement
We can help you understand why it is important to be emotionally, not just financially, ready for retirement. Where ever you are in your journey, the roadmap could help you focus on your goals.
Retirement Roadmap
Impact of Taxes
The strategies you use when drawing down your retirement savings can have significant impact on how much you will pay in taxes and may help you keep more of the returns. Each retiree's situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Savings Vehicles
6 Money Moves to Make in the Decade Before Retirement
Your last decade in the workforce can help set you up for success when you're ready to retire. Discover the steps we can take together to help ensure your golden years are what you intend them to be.
6 Money-Making Retirement StrategiesClient Service Team
Nicole E. Williams - Portfolio Associate
Phone:
(312) 419-3381(312) 419-3381
Email:Nicole.Williams@morganstanley.com
Nicole started as a part time floater at Smith Barney in 2006. She was later given the opportunity as a full time client service associate. While working as a CSA she received her Bachelors in Professional Studies and Paralegal Certificate from Roosevelt University. She then went on to receive her Masters in Risk and Compliance from Loyola University. During this time Smith Barney merged with Morgan Stanley and Nicole continued her career with Morgan Stanley. She later earned her Series 7 and 66 licenses and was recently promoted from Sr Registered Associate to Portfolio Associate. During her time with Morgan Stanley she was appointed to lead the Recruit Transition Team which oversees the transition of financial advisors to Morgan Stanley. Nicole enjoys working with her clients and some have become like family. She values and understands the specific needs of each client and strives to offer the best client experience.
Nicole is married and enjoys spending time with her family. Her favorite past time is cheering for her youngest son at his Volleyball games and traveling with the team. Nicole also enjoys volunteering at her son’s high school, Victor J. Andrew as a concession stand director with the Booster Club. She strongly believes in family involvement in her local community and holds her volunteer work close to her heart.
Nicole is married and enjoys spending time with her family. Her favorite past time is cheering for her youngest son at his Volleyball games and traveling with the team. Nicole also enjoys volunteering at her son’s high school, Victor J. Andrew as a concession stand director with the Booster Club. She strongly believes in family involvement in her local community and holds her volunteer work close to her heart.
Location
233 S Wacker Dr
Ste 8600
Chicago, IL 60606
US
Direct:
(312) 419-3535(312) 419-3535
Toll-Free:
(800) 621-2842(800) 621-2842
Fax:
(312) 419-3515(312) 419-3515
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Jan Paul (JP) Ferrer today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Investors 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
4When 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.
5Morgan 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11When 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Investors 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
4When 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.
5Morgan 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
