Jonathan Dayton, CFP®, ChFC®, CLU®, RICP®
Executive Director, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director,
Senior Investment Management Consultant,
Family Wealth Advisor
Direct:
(512) 275-3207(512) 275-3207
Toll-Free:
(800) 234-1940(800) 234-1940
My Mission Statement
Our Team utilizes a broad range of planning techniques and investment solutions to implement a plan to help you grow and preserve your wealth.
About Me
FOCUSING ON:
• Comprehensive Wealth Planning
• Tax efficient discretionary portfolios to help grow and preserve wealth
• Straight forward, personalized solution-based advice for busy individuals and families
DISTINCTIONS
• Named as a Twin Cities Five Star Wealth Manager Award - Twin Cities Business Magazine (2015, 2014, 2013, and 2012)
• Named as a Central Texas Five Star Wealth Manager - by Texas Monthly Magazine (2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024)
• Named on Forbes Magazine Best-in-State Advisor list (2019, 2020, 2021, 2022, 2023, 2024)
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 04/17/2011 through 10/14/2011
2013 Award - 04/17/2012 through 10/14/2012
2014 Award - 04/17/2013 through 10/14/2013
2015 Award - 04/17/2014 through 10/14/2014
2016 Award - 12/8/2015 through 05/20/2016
2017 Award - 10/27/2016 through 05/23/2017
2018 Award - 10/30/2017 through 05/21/2018
2019 Award - 10/15/2018 through 04/26/2019
2020 Award - 09/30/2019 through 04/17/2020
2021 Award - 09/14/2020 through 04/30/2021
2022 Award - 09/20/2021 through 04/8/2022
2023 Award - 09/20/2022 through 04/8/2023
Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
• Comprehensive Wealth Planning
• Tax efficient discretionary portfolios to help grow and preserve wealth
• Straight forward, personalized solution-based advice for busy individuals and families
DISTINCTIONS
• Named as a Twin Cities Five Star Wealth Manager Award - Twin Cities Business Magazine (2015, 2014, 2013, and 2012)
• Named as a Central Texas Five Star Wealth Manager - by Texas Monthly Magazine (2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024)
• Named on Forbes Magazine Best-in-State Advisor list (2019, 2020, 2021, 2022, 2023, 2024)
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 04/17/2011 through 10/14/2011
2013 Award - 04/17/2012 through 10/14/2012
2014 Award - 04/17/2013 through 10/14/2013
2015 Award - 04/17/2014 through 10/14/2014
2016 Award - 12/8/2015 through 05/20/2016
2017 Award - 10/27/2016 through 05/23/2017
2018 Award - 10/30/2017 through 05/21/2018
2019 Award - 10/15/2018 through 04/26/2019
2020 Award - 09/30/2019 through 04/17/2020
2021 Award - 09/14/2020 through 04/30/2021
2022 Award - 09/20/2021 through 04/8/2022
2023 Award - 09/20/2022 through 04/8/2023
Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Services Include
- Planning for Education FundingFootnote1
- Executive Financial ServicesFootnote2
- Professional Portfolio ManagementFootnote3
- Exchange Traded FundsFootnote4
- Retirement PlanningFootnote5
- Financial PlanningFootnote6
- 401(k) Rollovers
- Estate Planning StrategiesFootnote7
- Wealth ManagementFootnote8
- Asset Management
- UGMA/UTMAFootnote9
- 529 PlansFootnote10
- Long Term Care InsuranceFootnote11
- Philanthropic Services
- Trust AccountsFootnote12
Securities Agent: CO, WI, NJ, IL, FL, AZ, TN, OK, NY, AK, IA, AR, SC, MT, MI, CA, TX, SD, NH, MO, IN, NV, DC, KY, ND, MN, KS, NC, WY, WA, PA, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1252987
NMLS#: 1252987
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
EDUCATION, LICENSES, AND TRAINING
• Bachelor of Science in Business, 1994 - double major Finance and Economics, University of Minnesota, Minneapolis, MN
• CERTIFIED FINANCIAL PLANNER practitioner (2004)
• Chartered Financial Consultant professional designation (2007)
• Chartered Life Underwriter professional designation (2011)
• Retirement Income Certified Professional (2016)
• Family Wealth Advisor (2018)
• Insurance Planning Director (2020)
• Registered Representative, NYSE/FINRA (1995)
• American College - Estate Planning Consultant (course 2006)
BUSINESS EXPERIENCE
1998 - Present: Morgan Stanley
Bloomington, MN and Austin, TX
1995 - 1998: Merrill Lynch
Financial Consultant
Minneapolis, MN
1989 - 1997: United States Marine Corps Reserve
Military Police Officer (Persian Gulf War Veteran)
• Bachelor of Science in Business, 1994 - double major Finance and Economics, University of Minnesota, Minneapolis, MN
• CERTIFIED FINANCIAL PLANNER practitioner (2004)
• Chartered Financial Consultant professional designation (2007)
• Chartered Life Underwriter professional designation (2011)
• Retirement Income Certified Professional (2016)
• Family Wealth Advisor (2018)
• Insurance Planning Director (2020)
• Registered Representative, NYSE/FINRA (1995)
• American College - Estate Planning Consultant (course 2006)
BUSINESS EXPERIENCE
1998 - Present: Morgan Stanley
Bloomington, MN and Austin, TX
1995 - 1998: Merrill Lynch
Financial Consultant
Minneapolis, MN
1989 - 1997: United States Marine Corps Reserve
Military Police Officer (Persian Gulf War Veteran)
Personal Interests
Personal Interests
Jon and Lori reside in The Hills, TX with their Labrador Retriever (Ruby) and English Setter (Bobbi). They spend the summer months in the Twin Cities. In his free time, he enjoys coaching, hunting/fishing, dog training, sporting clays, scuba diving, reading, and traveling.
Community Associations
• Portfolio Management Institute – Board Member
• Veterans of Foreign Wars, American Legion, and Morgan Stanley Veteran Employee Network
• University of Texas Trap & Skeet Team Coach; NRA, NSSA, and NSCA Shooting Instructor
• Austin Woods and Waters (Board Member), Ducks Unlimited, and Pheasants Forever
• Waterloo Retriever Club (TX) and Lake Country Retriever Club (MN)
Jon and Lori reside in The Hills, TX with their Labrador Retriever (Ruby) and English Setter (Bobbi). They spend the summer months in the Twin Cities. In his free time, he enjoys coaching, hunting/fishing, dog training, sporting clays, scuba diving, reading, and traveling.
Community Associations
• Portfolio Management Institute – Board Member
• Veterans of Foreign Wars, American Legion, and Morgan Stanley Veteran Employee Network
• University of Texas Trap & Skeet Team Coach; NRA, NSSA, and NSCA Shooting Instructor
• Austin Woods and Waters (Board Member), Ducks Unlimited, and Pheasants Forever
• Waterloo Retriever Club (TX) and Lake Country Retriever Club (MN)
Client Service Team
Cheryl Cosgray - Senior Registered Service Associate
Phone:
(512) 275-3115(512) 275-3115
Email:cheryl.cosgray@morganstanley.com
Cheryl joined Jon's team in 2022. She has 25 years of investment industry experience in both operations and client support roles. She focuses on assisting our team and clients with the administrative and service aspects of our business.
Cheryl is your point-of-contact for all areas of client service, including statements, account activity, checks, tax information, and general account support.
Cheryl is your point-of-contact for all areas of client service, including statements, account activity, checks, tax information, and general account support.
Lori Shinnick - Associate Vice President, Business Development Associate
Phone:
(512) 275-3213(512) 275-3213
Email:lori.shinnick@morganstanley.com
Lori is a graduate of Southwest Minnesota State University with majors in Political Science and Business Administration. Lori has over 15 years industry experience within various roles and brings a diverse background and knowledge of the industry to the team.
Lori acts as chief operating officer for the team. In this role, she focuses on analysis, assisting clients, and providing technical support for our business. She is a resource dedicated to assisting you with scheduling annual strategy meetings, MS Online/MS App questions, and a variety of service activities.
Lori acts as chief operating officer for the team. In this role, she focuses on analysis, assisting clients, and providing technical support for our business. She is a resource dedicated to assisting you with scheduling annual strategy meetings, MS Online/MS App questions, and a variety of service activities.
Location
8701 Bee Caves Rd
Ste 300
Austin, TX 78746
US
Direct:
(512) 275-3207(512) 275-3207
Toll-Free:
(800) 234-1940(800) 234-1940
Fax:
(512) 879-9131(512) 879-9131
Wealth Management
From My Desk
Cybersecurity Resources
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
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 Jonathan Dayton today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
2Morgan 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.
3Morgan 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.
4An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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 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.
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
10Investors 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
2Morgan 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.
3Morgan 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.
4An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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 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.
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
10Investors 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
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
CRC 6491812 (04/2024)
