Jessie Hawkins
Senior Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(805) 278-3682(805) 278-3682
Toll-Free:
(800) 767-0170(800) 767-0170
My Mission Statement
My goal is to provide you with a personalized and robust financial planning experience that caters to your unique needs, no matter the scale or complexity of your goals.
My Story
I have had the pleasure of calling the Ojai Valley and Ventura County my home for over 30 years. My focus on family and community is an integral part of how I help my clients. Since 2004 I have helped many local families, corporations and individuals accomplish their financial goals while keeping abreast of the constantly changing markets and business environment.
After graduating from Nordhoff High School in Ojai I was accepted to attend Brown University in Providence, Rhode Island. I had the opportunity to play college football while at Brown and was awarded First Team All-Ivy League and First Team All-New England, as well as the MVP of the Brown University Football team as a Senior Defensive End. After graduating from Brown University with a Bachelor’s Degree in Business Economics I decided to return to Ventura County and take a position with Smith Barney in 2004.
My education background in Business Economics gives me an understanding of economic theory, as well as the practical aspects of finance that are so necessary to accurately asses today’s ever changing economy. From day one of my practice I have worked to provide the most robust comprehensive financial planning experience I can for my clients, no matter how big or small their goals may be.
Throughout my career, I have been actively involved in my community, serving with various organizations to make a difference in the lives of those around me. I’m proud to have served as a Board Member for the United Way of Ventura County, as well as a local alumni representative for the Brown Alumni Association. In addition, I dedicated my time to coaching football at Nordhoff High School in Ojai, CA from 2008-2011, and have continued to stay active with fundraising for the program after the conclusion of my coaching career.
As a lifelong resident of the Ojai Valley, I’m deeply invested in the community and its people. My wife Libby and I purchased our home in Ojai in April 2015 and we plan to reside there with our three children, daughters Ava and Maisy, and son Quentin, for the foreseeable future. As a financial advisor, I understand the importance of financial planning for families and am passionate about helping my clients achieve their financial goals.
I believe in a personalized approach to financial planning and work closely with each of my clients to create customized financial plans tailored to their unique needs and goals. With years of experience and a deep commitment to my community, I’m well-equipped to help you navigate the complexities of financial planning and achieve the peace of mind that comes from knowing you’re on the right track.
After graduating from Nordhoff High School in Ojai I was accepted to attend Brown University in Providence, Rhode Island. I had the opportunity to play college football while at Brown and was awarded First Team All-Ivy League and First Team All-New England, as well as the MVP of the Brown University Football team as a Senior Defensive End. After graduating from Brown University with a Bachelor’s Degree in Business Economics I decided to return to Ventura County and take a position with Smith Barney in 2004.
My education background in Business Economics gives me an understanding of economic theory, as well as the practical aspects of finance that are so necessary to accurately asses today’s ever changing economy. From day one of my practice I have worked to provide the most robust comprehensive financial planning experience I can for my clients, no matter how big or small their goals may be.
Throughout my career, I have been actively involved in my community, serving with various organizations to make a difference in the lives of those around me. I’m proud to have served as a Board Member for the United Way of Ventura County, as well as a local alumni representative for the Brown Alumni Association. In addition, I dedicated my time to coaching football at Nordhoff High School in Ojai, CA from 2008-2011, and have continued to stay active with fundraising for the program after the conclusion of my coaching career.
As a lifelong resident of the Ojai Valley, I’m deeply invested in the community and its people. My wife Libby and I purchased our home in Ojai in April 2015 and we plan to reside there with our three children, daughters Ava and Maisy, and son Quentin, for the foreseeable future. As a financial advisor, I understand the importance of financial planning for families and am passionate about helping my clients achieve their financial goals.
I believe in a personalized approach to financial planning and work closely with each of my clients to create customized financial plans tailored to their unique needs and goals. With years of experience and a deep commitment to my community, I’m well-equipped to help you navigate the complexities of financial planning and achieve the peace of mind that comes from knowing you’re on the right track.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Fixed IncomeFootnote2
- AnnuitiesFootnote3
- Wealth ManagementFootnote4
- Professional Portfolio ManagementFootnote5
- Retirement PlanningFootnote6
- Qualified Retirement PlansFootnote7
- Planning for Education FundingFootnote8
- 401(k) Rollovers
- Lending Products
- 529 PlansFootnote9
- Business PlanningFootnote10
- Sustainable InvestingFootnote11
- Alternative InvestmentsFootnote12
Securities Agent: WV, GA, VT, TX, WA, KY, IN, FL, NH, MS, MI, DC, CO, AZ, WY, NJ, MN, NY, ME, IL, HI, MA, MO, VA, OK, NC, ID, CA, AR, OR, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1278981
CA Insurance License #: 0E78822
NMLS#: 1278981
CA Insurance License #: 0E78822
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
FINANCIAL PLANNING WITH ME
What are your hopes and dreams?
Our approach to wealth planning focuses on what is most meaningful to you. Whether meeting with you for the first time or reviewing your progress and life goals, this is our priority.
Leveraging our vast resources, we can work with you to create a personalized wealth strategy. Our approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you achieve and protect your goals.
Our approach to wealth planning focuses on what is most meaningful to you. Whether meeting with you for the first time or reviewing your progress and life goals, this is our priority.
Leveraging our vast resources, we can work with you to create a personalized wealth strategy. Our approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you achieve and protect your goals.
1. Discovery Phase
Here, we will take the time to learn more about you and your family to gain insight into your entire financial situation. This includes your goals, values, dreams, and special concerns or challenges.
2. Creating a Strategy
With the information you provide from the Discovery Phase and your risk tolerance, we will take a deep dive into your investment portfolio, assets, and liabilities to create a detailed roadmap for your future.
3. Custom Asset Allocation
When we agree upon a strategy, we will put together a custom strategic asset allocation that mirrors the risk and return components necessary to help achieve your specific goals.
4. Wealth Strategy Implementation
After our detailed effort and due diligence, we will implement your investment plan. Individual investments will be selected from Morgan Stanley’s global investment platform.
5. Tactical Decision Integration
To build on your long term, strategic investment plan, we will actively monitor for short term market distortions and opportunities to add incremental value.
6. Ongoing Assessment
On an ongoing basis, we will review and update your plan to help ensure that we adapt to your specific planning needs, goals, market conditions and investment performance.
OUR SUITE OF DIGITAL TOOLS
Digital technology is focused on how people communicate, consume, transact, and travel. Our comprehensive suite of digital tools are designed to help every aspect of your financial situation. Here are a few of the technologies we 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! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that awards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. 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 on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Log into Digital Vault
Online Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the Web.
Learn more about the Online Security Center
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. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDeliveryINFORMATIONAL TOOLS AND RESOURCES
Financial education is important to our investment strategy and leads to better long-term decisions. We believe it is our duty to provide you with relevant information about managing your wealth effectively. We have accumulated the resources below to reinforce the investment strategies and concepts of our practice.
5 Ways to Discover Opportunities in Alternative Strategies
In today’s environment, where past-cycle playbooks may prove ineffective, alternative investments may serve a key role in your portfolio.
Here are 5 themes to consider regarding alternative investments
The Millennial and Gen Z Guide to a Sweet Retirement
The power of time can be helpful for young investors to grow an impressive portfolio.
Click here to learn how Millennials and Gen Z Investors can manage their retirement
Estate Planning Essentials: 7 Key Steps
Discussing the end of life and what happens to your assets is never an easy conversation to have, especially with family. But this type of planning is essential if you hope to ease what can be a difficult process for the people you love and to ensure that your wishes are respected.
Learn more about Estate Planning
Your Equity Compensation Can Help You Reach Your Life's Goals
Owning equity in the company you work for makes you more than an employee, it makes you a shareholder. Here’s how to better understand and use your equity compensation so you can achieve your goals.
Click here to learn more about Equity Compensation
How Affluent Families Can Plan for Hidden Risks
Hidden risks abound. For affluent families, this can mean unwanted financial exposure. A simple risk assessment can go a long way to closing these gaps.
Learn how affluent families can plan for hidden risks
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Learn more about financial literacy
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, 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.
Check Out the Latest Episode
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out the Latest EpisodeWHAT WE'RE UP TO
Get a Sense of Who We Are
We value exceptional service to our clients and giving back to our community. Feel free to click through our photo carousel and read more about what we have been up to lately.
Photo Descriptions
- Photo 1: Jessie's "Best of Ojai 2023 Gold Winner" recognition that was featured in the Ojai Valley News publication.
- Photo 2: Serena with her husband and children on Thanksgiving 2024
- Photo 3: Back to School 2024 photo of Jessie's kids.
- Photo 4: Jessie and Serena showing off a "fun" team picture during their headshot photoshoot.
- Photo 5: Jessie's "Best of Ojai 2022 Gold Winner" recognition that was featured in the Ojai Valley News publication.
- Photo 6: Jessie celebrating his 20th work anniversary with Morgan Stanley.
- Photo 7: Jessie and Serena celebrating Jessie's 18th work anniversary while posing in front of "Our Core Values."
- Photo 8: Serena Tobias featured in Times Square for her Field Service Champions recognition.
- Photo 9: Global Giving Back Champions Announcement in Times Square.
- Photo 10: Serena Tobias featured in Times Square for Global Giving Back Champions recognition.
- Photo 11: Serena with her husband and kids 13th year volunteering at 30th annual conejo valley community holiday Christmas dinner sponsored by temple adat elohim.
Best of Ojai 2023 Gold Winner
In October of 2023, Jessie received the "Best of Ojai 2023 Gold Winner" award from the Ojai Valley News publication.
Best of Ojai Gold Winner
Source: Ojai Valley News (October 2023) Data compiled by Ojai Valley News based on time period from 07/17/2023 – 08/07/2023. Evaluation process was conducted by survey of Ojai Valley News readers.
Happy Thanksgiving from Serena and her family
Serena pictured with her husband and children celebrating Thanksgiving.
First Day of School 2024
Jessie sends his kids off to school. You can see Maisy, Ava, and Quentin excited to learn. Looks like some future financial advisors to me!
Best of Ojai 2022 Gold Winner
In December of 2022, Jessie received the "Best of Ojai 2022 Gold Winner" award from the Ojai Valley News publication.
Best of Ojai 2022 Gold Winner
Source: Ojai Valley News (Awarded December 2022) Data compiled by Ojai Valley News based on time period from 09/01/2022 – 09/30/2022. Evaluation process was conducted via online survey.
18 Years with Morgan Stanley
In August of 2022, Jessie celebrated 18 years of excellent service and commitment to his clients.
Happy 40th Birthday Jessie
In June of 2022, Jessie celebrates his 40th birthday with friends, family, and clients.
Field Service Champions
In 2021, Serena was recognized as a Field Service Champion. She received this recognition by being active with her local synagogue, the LGBTQ community, helping the homeless with Harbor House, hosting movie nights for her neighbors, and even jumping into action to help families during the Woolsey fire.
Her efforts don't stop there. Serena serves as co-chair of her complex's Diversity Council, where she ensures there is awareness and complex involvement with Diversity and Inclusion Activities. She also created a Women's Career Summit for Support Professionals to help them better understand their career opportunities at Morgan Stanley.
Global Giving Back Champions
In 2021, Serena was recognized as a Global Giving Back Champion. She was given this recognition because of her efforts to better her community. Serena has been working with a homeless shelter at her local synagogue since 2001 and was the Homeless Shelter Committee Chair since 2006. For the past 20 years Serena has volunteered by cooking hot breakfasts and dinners numerous times a year, along with making bagged lunches for those with food insecurities. She has donated everything from socks and books, to fresh fruit and monetary donations in the San Fernando Valley, Thousand Oaks, and Oxnard.
Lending Specialist Designation
In June of 2021, Jessie furthered his knowledge by earning his Lending Specialist Designation to better serve his clients.
Promotion to Senior Vice President
Through Jessie's constant commitment to his clients and excellent service, he was promoted to Senior Vice President in January of 2021.
Promotion to First Vice President
Congratulations to Jessie for being promoted to First Vice President in January of 2020.
Client Service Team
Serena Behar Tobias - Portfolio Associate
Phone:
(805) 278-3663(805) 278-3663
Email:serena.tobias@morganstanley.com
Serena Tobias is a Portfolio Associate at Morgan Stanley Wealth Management. Her primary focus is assisting clients in all operational needs. She began her career in the financial industry in 1986 as a cashier, back when the DOW Jones Industrial Average was only 1548.17 points and joined Morgan Stanley as a Senior Registered Client Service Associate in 2008. She joined Jessie’s team in 2017.
Serena is currently a Complex Coach for the Woodland Hills Complex and has been a member of the National Service Advisory Council, as well as having chaired the Woodland Hills Complex Diversity and Inclusion Council from 2021-2023.
Serena received her Associate of Arts degree at Orange Coast College and attended University of California at Irvine. Serena and her husband, Gil, have been married since 1990 and have two adult children, Joshua, and Jacob. She lives in Agoura Hills and takes pride in contributing to local food banks and serving on her synagogue’s homeless shelter committee. In her spare time, she enjoys cooking, camping, going to live theater and playing Maj Jong.
Serena is currently a Complex Coach for the Woodland Hills Complex and has been a member of the National Service Advisory Council, as well as having chaired the Woodland Hills Complex Diversity and Inclusion Council from 2021-2023.
Serena received her Associate of Arts degree at Orange Coast College and attended University of California at Irvine. Serena and her husband, Gil, have been married since 1990 and have two adult children, Joshua, and Jacob. She lives in Agoura Hills and takes pride in contributing to local food banks and serving on her synagogue’s homeless shelter committee. In her spare time, she enjoys cooking, camping, going to live theater and playing Maj Jong.
Location
300 E. Esplanade Dr, 10th
10th Floor
Oxnard, CA 93036
US
Direct:
(805) 278-3682(805) 278-3682
Toll-Free:
(800) 767-0170(800) 767-0170
Fax:
(805) 278-3677(805) 278-3677
Wealth Management
From My Desk
Sample LifeView Goal Analysis
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?
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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
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Jessie Hawkins today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
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.
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 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Investors 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.
10Morgan 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.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Alternative 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.
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
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
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.
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 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Investors 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.
10Morgan 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.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Alternative 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.
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Awards Disclosures
CRC 6491812 (04/2024)
