Penny Dillon
Wealth Management Associate
Phone:
(509) 455-6067(509) 455-6067
Kathy M Pearson, C(k)P, CRPS®, QPFC, CAIA
Senior Vice President,
Financial Advisor,
Corporate Retirement Director,
CHARTERED RETIREMENT PLANS SPECIALIST,
Certified 401(k) Professional,
Financial Wellness Director,
Alternative Investments Director,
Qualified Plan Financial Consultant
Direct:
(509) 455-7733(509) 455-7733
Toll-Free:
(800) 521-0509(800) 521-0509
My Mission Statement
My mission is to ensure individuals, families, business owners and executives are financially secure so they can enjoy peace of mind today and during retirement.
2025 Forbes Top Women Wealth Advisors Best-In-State. Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24.
2025 Forbes Top Women Wealth Advisors Best-In-State. Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24.
Welcome
For me, retirement planning is more than providing my clients with investment advice; it means helping them maintain and secure the financial independence they’ve worked so hard to achieve. Working with my clients as they progress to and achieve retirement is the foundation for my practice, and something I am highly passionate about.
As a Chartered Retirement Plan Specialist (CRPS®), holder of the C(k)P designation, Corporate Retirement Director and Financial Wellness Director with Morgan Stanley, I cover the full retirement spectrum – working with businesses to meet their retirement plan objectives as well as helping individuals and families manage and secure their financial futures.
My unique blend of skills and education, combined with my work with business owners, retirement plan sponsors, and Private Wealth clients, gives me a broad perspective and background to address an array of financial issues.
Along with my trusted associate, Penny Dillon, we ensure our clients receive exceptional client service with a highly personalized touch. Our philosophy is “life is meant to be lived”, and we truly enjoy assisting our clients to achieve their life goals and dreams through their financial success.
As a Chartered Retirement Plan Specialist (CRPS®), holder of the C(k)P designation, Corporate Retirement Director and Financial Wellness Director with Morgan Stanley, I cover the full retirement spectrum – working with businesses to meet their retirement plan objectives as well as helping individuals and families manage and secure their financial futures.
My unique blend of skills and education, combined with my work with business owners, retirement plan sponsors, and Private Wealth clients, gives me a broad perspective and background to address an array of financial issues.
Along with my trusted associate, Penny Dillon, we ensure our clients receive exceptional client service with a highly personalized touch. Our philosophy is “life is meant to be lived”, and we truly enjoy assisting our clients to achieve their life goals and dreams through their financial success.
Services Include
- Wealth ManagementFootnote1
- Corporate Retirement PlansFootnote2
- Retirement PlanningFootnote3
- Business PlanningFootnote4
- Professional Portfolio ManagementFootnote5
- Financial PlanningFootnote6
- Institutional ServicesFootnote7
- 401(k) Rollovers
- Alternative InvestmentsFootnote8
- Endowments and FoundationsFootnote9
- Estate Planning StrategiesFootnote10
- Philanthropic Services
- Planning for Education FundingFootnote11
- Trust AccountsFootnote12
- Structured Settlement Annuities
Securities Agent: IL, DE, SD, PA, MN, LA, ID, WY, VI, TN, NV, ND, MA, AK, VT, OH, NM, DC, AR, WA, OK, NJ, MD, VA, NY, NH, MS, KY, FL, CT, WI, UT, TX, IN, GA, CO, WV, MT, MI, KS, IA, AZ, SC, RI, OR, HI, CA, AL, NE, NC, MO, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1301239
CA Insurance License #: 4139207
NMLS#: 1301239
CA Insurance License #: 4139207
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Bio
Kathy M. Pearson started her career at Smith Barney in 2006 in Clarkston, Washington. She then moved to Spokane, Washington, in 2008, where she began managing her own book of business. Her practice focuses primarily on retirement planning for individuals and their families, businesses and business owners, nonprofits, and foundations.
Kathy completed the Chartered Retirement Plan Specialist curriculum, currently holding the CRPS® designation and serves as a Corporate Retirement Director with Morgan Stanley. Kathy is also a Financial Wellness Director and an Alternative Investments Director at Morgan Stanley. In May 2019, Kathy attended The Retirement Advisor University, through the UCLA Anderson School of Management Executive Education program, earning the C(k)P designation. Kathy maintains her FINRA Series 7, Series 63 and Series 65 licenses, and is also life insurance licensed in Washington and Idaho.
Most recently, Kathy was named to the 2025 Forbes Top Women Wealth Advisors Best-In-State. Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
Kathy currently lives in Spokane with her family, and spends her spare time biking, hiking, reading books, enjoying friends and most of all spending time with her family. Kathy is heavily involved with her community and is passionate about devoting her time to local causes. Kathy currently dedicates time to the Community Colleges of Spokane Foundation, where she started serving on the finance committee in 2018. She then joined its Board of Directors in 2019 and also serves on the Executive Committee as President of the board. She was also on the Board at Ronald McDonald House from 2009-2014, where she helped establish the Teen Board.
*Forbes Top Women Wealth Advisors and Top Women Best-In-State Wealth
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
Kathy completed the Chartered Retirement Plan Specialist curriculum, currently holding the CRPS® designation and serves as a Corporate Retirement Director with Morgan Stanley. Kathy is also a Financial Wellness Director and an Alternative Investments Director at Morgan Stanley. In May 2019, Kathy attended The Retirement Advisor University, through the UCLA Anderson School of Management Executive Education program, earning the C(k)P designation. Kathy maintains her FINRA Series 7, Series 63 and Series 65 licenses, and is also life insurance licensed in Washington and Idaho.
Most recently, Kathy was named to the 2025 Forbes Top Women Wealth Advisors Best-In-State. Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
Kathy currently lives in Spokane with her family, and spends her spare time biking, hiking, reading books, enjoying friends and most of all spending time with her family. Kathy is heavily involved with her community and is passionate about devoting her time to local causes. Kathy currently dedicates time to the Community Colleges of Spokane Foundation, where she started serving on the finance committee in 2018. She then joined its Board of Directors in 2019 and also serves on the Executive Committee as President of the board. She was also on the Board at Ronald McDonald House from 2009-2014, where she helped establish the Teen Board.
*Forbes Top Women Wealth Advisors and Top Women Best-In-State Wealth
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
Credentials
- Chartered Retirement Plan Specialist - CRPS®
- Certified 401(k) Professional - C(k)P
- Corporate Retirement Director at Morgan Stanley
- Financial Wellness Director at Morgan Stanley
- Alternative Investments Director at Morgan Stanley
- Life Insurance Licensed - WA, ID
- FINRA Series 7, 63, 65
Our Clients
Our passion lies in working with clients who seek the same kind of long-term, fully engaged relationships we value.
Our approach to client service is simple – we put you at the center of everything we do.
Our approach to client service is simple – we put you at the center of everything we do.
Individuals & Families
We understand the complex needs of affluent families and are highly experienced in creating customized, comprehensive financial plans across numerous tax and estate structures.
Our financial planning process for families includes a thorough review of your life and portfolio objectives. This analysis drives our strategy for financial & estate planning, asset allocation and investment decisions.
Our financial planning process for families includes a thorough review of your life and portfolio objectives. This analysis drives our strategy for financial & estate planning, asset allocation and investment decisions.
Corporate Retirement Plans
The foundation of our practice is built around retirement, for both individuals and businesses. As a Chartered Retirement Plan Specialist (CRPS) and Corporate Retirement Director at Morgan Stanley, I work with many businesses to meet their retirement plan objectives.
We can help you build and manage your company retirement plan, and have the experience to understand the specific challenges you face.
We can help you build and manage your company retirement plan, and have the experience to understand the specific challenges you face.
Those in Financial Transition
We strive to successfully lead our clients through major life changes smoothly. We are loyal advocates who do some of our best work during periods of transition and uncertainty.
Whether you are approaching retirement, selling a business, changing careers, or about to go through a divorce, we will ensure you are effectively positioned to move forward with clarity and confidence.
Whether you are approaching retirement, selling a business, changing careers, or about to go through a divorce, we will ensure you are effectively positioned to move forward with clarity and confidence.
Business Owners
We work with successful individuals who manage a sole proprietorship, small business or larger company. We create customized financial plans based on the goals they have for their business, their family and themselves.
We offer the best of both worlds: a dedicated team highly skilled in comprehensive financial planning and hands-on investment management.
We offer the best of both worlds: a dedicated team highly skilled in comprehensive financial planning and hands-on investment management.
Covering the Retirement Spectrum
As a Chartered Retirement Plan Specialist (CRPS®), holder of the C(k)P designation and Corporate Retirement Director with Morgan Stanley, I cover the full retirement spectrum – working with businesses to meet their retirement plan objectives as well as helping individuals and families manage and secure their financial future.
We are proud to work with several business owners on their company retirement plans to put themselves and their employees in position for long-term financial success. Our style is welcoming and approachable, making it easy to understand the details of your company plan and the strategies we recommend.
Over the years, we have learned that a specific, proven process is critical for our clients to succeed:
We are proud to work with several business owners on their company retirement plans to put themselves and their employees in position for long-term financial success. Our style is welcoming and approachable, making it easy to understand the details of your company plan and the strategies we recommend.
Over the years, we have learned that a specific, proven process is critical for our clients to succeed:
- Step 1: Outline fiduciary responsibilities for plan sponsors
- Step 2: Analyze current investment offerings and plan design
- Step 3: Evaluate participation data and plan liabilities
- Step 4: Assess third-party relationships, including service providers, CPAs and record-keepers
- Step 5: Educate business owners and plan participants on financial planning and investing
- Step 6: Maintain a consistent dialogue and continually assess the retirement plan
Our Suite of Digital Tools & Resources
Morgan Stanley Online & MS Mobile App
Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App have a variety of features beyond viewing your account balance and activity that you should take advantage of, including:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Morgan Stanley Online- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Cybersecurity
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
CybersecurityThe firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Total Wealth View
We launched a tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love.
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.
Digital VaultThe 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.
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.
View The Thoughts On The Markets Podcast
Morgan Stanley's Plan Sponsor Insights
Morgan Stanley's Plan Sponsor Insights is a quarterly newsletter for Retirement Plan Sponsors covering a wide array of relevant topics, including insights into the COVID-19 vaccine rollout as it relates to your employees, how to meaningfully engage a multigenerational workforce when it comes to preparing for retirement, and what it will take to overcome racial disparity in retirement savings.
View the Latest Morgan Stanley Plan Sponsor Insights
Financial Wellness
Through the combination of Morgan Stanley's workplace solutions and Kathy's experience as a Financial Wellness Director at Morgan Stanley, we help give employees the confidence to take charge of their finances – and their future. By improving your employees’ financial wellness, you can benefit from a more productive workforce.
Learn More About Financial Wellness
Washington D.C. Update - 2022
The Washington Update newsletter addresses retirement plan legislative and regulatory updates, and was developed to help readers navigate through the intricacies of the policymaking process and to stay abreast of the latest developments in Washington.
View the Latest Washington Update NewsletterLocation
717 W Sprague Ave
Suite 500
Spokane, WA 99201
US
Direct:
(509) 455-7733(509) 455-7733
Toll-Free:
(800) 521-0509(800) 521-0509
Fax:
(509) 838-8968(509) 838-8968
Meet My Team
About Penny Dillon
Penny is a Wealth Management Associate that has been with Morgan Stanley since 2007. Penny had the opportunity to start working with Kathy in 2009, and has not looked back. She ensures a seamless client experience by facilitating a smooth account opening and transfer process and partners with Kathy to address more complex client issues and financial goals planning for our clients. While Penny is often the first line of contact for our clients, she also coordinates our operational responsibilities and prepares client account proposals and performance review reports.
Penny currently holds her FINRA Series 7, Series 63 and Series 66 licenses. She began her career in the financial services industry in 2005 and holds a Bachelor of Arts Degree in Business Administration - Finance from Washington State University. Prior to working at Morgan Stanley, Penny was an Account Services Specialist at M Holdings Securities, Inc., in Portland, OR.
Penny was born and raised in the Pacific Northwest and currently lives in Spokane, WA with her husband and children. In her free time, Penny enjoys attending her son’s school and sporting events as well as spending time at Loon Lake in the summer.
Penny currently holds her FINRA Series 7, Series 63 and Series 66 licenses. She began her career in the financial services industry in 2005 and holds a Bachelor of Arts Degree in Business Administration - Finance from Washington State University. Prior to working at Morgan Stanley, Penny was an Account Services Specialist at M Holdings Securities, Inc., in Portland, OR.
Penny was born and raised in the Pacific Northwest and currently lives in Spokane, WA with her husband and children. In her free time, Penny enjoys attending her son’s school and sporting events as well as spending time at Loon Lake in the summer.
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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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Kathy M Pearson today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
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.
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 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.
8Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
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.
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 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.
8Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
