Christopher Kearon
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(610) 408-1904(610) 408-1904
Kearon Ashcroft Wealth Management at Morgan Stanley
Direct:
(610) 408-1929(610) 408-1929
Toll-Free:
(877) 874-9498(877) 874-9498
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Welcome
At The Kearon Ashcroft Wealth Management Group, we know it takes a deep understanding of our clients’ lifestyles and long-term goals to create financial strategies that strive to provide stability and security for the future. Whether it is sending children to a specific school, building a dream vacation home or passing assets to the next generation we are here to help.
We are a distinctive team of dedicated professionals who believe that our clients are entitled to a different kind of working relationship; a relationship unlike any they have encountered at other firms. A relationship committed to helping them achieve a more rewarding life experience.
Our team offers customized financial strategies for our clients’ unique objectives. With a passionate focus on our clients’ goals, we create strategies to help navigate the realities of the markets ups and downs. With our combined experience and market perspective, we are able to offer quality guidance and exceptional service.
2019, 2020, 2021, 2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Chris's President's Club
Morgan Stanley Wealth Management President’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President’s Club membership is no guarantee of future performance.
Tim's Pacesetter's Club
Source: Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
We are a distinctive team of dedicated professionals who believe that our clients are entitled to a different kind of working relationship; a relationship unlike any they have encountered at other firms. A relationship committed to helping them achieve a more rewarding life experience.
Our team offers customized financial strategies for our clients’ unique objectives. With a passionate focus on our clients’ goals, we create strategies to help navigate the realities of the markets ups and downs. With our combined experience and market perspective, we are able to offer quality guidance and exceptional service.
2019, 2020, 2021, 2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Chris's President's Club
Morgan Stanley Wealth Management President’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President’s Club membership is no guarantee of future performance.
Tim's Pacesetter's Club
Source: Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Awards and Recognition:
- Christopher J. Kearon - Named to the 2019, 2020, 2021, 2022, & 2023 Forbes Best-In-State Wealth Advisors
- Christopher J. Kearon – Named to Morgan Stanley’s President’s Club 2023 & 2024
- Tim Calio – Named to Morgan Stanley's Pacesetter's Club 2024
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Alternative InvestmentsFootnote4
- Lending Products
- Estate Planning StrategiesFootnote5
- Trust ServicesFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Sustainable InvestingFootnote9
- 529 PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
KEY LIFE EVENTS
Whether you have been married recently, saving for a child’s education or caring for loved ones, most major life events have financial implications for them. Trying to make the right financial decisions while juggling work and family responsibilities can feel overwhelming. But with proper guidance and careful planning, we can help you reach these milestones confidently and help maintain financial stability for years to come.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. We will help you plan and prepare for the financial components that a new child might introduce to your lives.
How To Prepare Financially For Starting A Family
Education
Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.
Education Planning Center
Business
Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. We help them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Planning for Life After Selling a Business
Marriage
There are few events more exciting than tying the knot with the person you love. Managing your wealth is a critical component to maintaining a long, fruitful marriage. Also, helping fund your child's wedding is a goal for many parents and grandparents.
Questions to Ask Your Partner
Retirement
Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
Develop Your Retirement Roadmap
Death
We know how difficult losing a loved one can be. We are here to help you navigate the decisions to be made following the death of your spouse or other family member.
Navigating Decisions After Death of Loved OneModern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
LifeView
LifeView is a suite of planning tools that creates a realistic, integrated strategy meant to incorporate aspects of an individual’s financial life, including investments and cash management needs. It also provides progress-to-goals reporting which illustrate complex planning strategies.
Access the LifeView Client Profile Form
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 useful resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning, and convenient connectivity.
Learn more about Total Wealth View
MS Reserved
Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
Learn more about Goals-Based Planning
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Learn more about the Portfolio Risk Platform
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 World Wide Web.
Learn more about the Online Security Center
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 a catastrophe or serious illness, disability, or death. Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. The Digital Vault allows you to construct a central, shared document library where all documents can be stored using encryption.
Log into your Digital VaultPrivate Investments
Alternative Investments in Private Equity, Debt and Real Estate Funds, and Stock & Real Estate Exchange funds offer potential portfolio diversification from publicly traded investments.
Alternative Investments: Innovative Strategies for Asset Allocation
Morgan Stanley launched its alternative investment business in 1977 with the founding of Morgan Stanley Real Estate and Morgan Stanley Managed Futures. Today, the firm is a global leader in alternative investments, offering a comprehensive suite of products that encompasses both proprietary and third-party managers. Our goal is to use Morgan Stanley's comprehensive strategies, diverse talent and global resources to provide flexible and distinctive investment opportunities to help you achieve your goals.
An Overview of Morgan Stanley's Alternative Investment Platform
Private Equity
With investment opportunities, generally in privately held companies, that are not available through traditional public markets, private equity may offer both attractive long-term return potential and the opportunity for diversification through historically low correlation to traditional strategies.
Click Here to Learn More
1031 Commercial Real Estate Exchange
The Global Investment Manager Analysis (GIMA) team engages with a broad array of investment managers to identify high-quality strategies for your portfolio. 1031 Exchanges can help potentially defer capital gains tax, increase purchasing power in the replacement property, reset the depreciation clock, and capitalize on the value of your appreciated assets.
Click Here to Learn More
Private Real Estate
Private real estate is an investment in the active management of institutional quality real estate properties for the purpose of generating current income and/or long-term appreciation.
Click Here to Learn MoreLocation
899 Cassatt Rd
Ste 100
Berwyn, PA 19312
US
Direct:
(610) 408-1929(610) 408-1929
Toll-Free:
(877) 874-9498(877) 874-9498
Meet Kearon Ashcroft Wealth Management
Phone:
(610) 408-1960(610) 408-1960
Brian Kearon
Phone:
(610) 408-1903(610) 408-1903
Tim Calio
Financial Advisor
Phone:
(610) 408-1924(610) 408-1924
Rebecca I. Kearon
Client Service Associate
Phone:
(610) 408-1962(610) 408-1962
Kelsey Crawford
Assistant Vice President, Wealth Management Associate
Phone:
(610) 408-1942(610) 408-1942
About Christopher Kearon
Christopher Kearon is a highly experienced Financial Advisor and Executive Director at Morgan Stanley who works in the firm's Berwyn, Pennsylvania office. He and his team focus primarily on creating holistic financial plans for a broad range of high net worth individuals to help them pursue their unique and varied long-term financial goals.
A Financial Advisor since 1985, Chris has worked in every economic and market environment since then, most notably the 1987 stock market crash, the period of rising interest rates in the 1990's, the 'Tech Wreck' of the early 2000's, the 2008 financial crisis and more recently, the Covid economic shutdown and resulting inflationary environment. This extensive experience, he believes, gives him the ability to help clients remain calm and focused on their plan during periods of market and economic uncertainty.
Chris describes himself as a "financial quarterback" because he and his team set up each client’s game plan in the form of a carefully constructed financial strategy. They regularly monitor each plan’s progress and maintain contact with clients periodically to help ensure they are “on track” in pursuit of their objectives.
Chris’s financial planning approach, which includes a comprehensive discovery process, has been so effective during more than 35+ years in the securities industry that he now serves the financial needs of the children of many clients whose financial plans he developed many years, and in some cases decades, ago.
Chris is among a select group of professionals at the firm entrusted to manage portfolios with discretionary authority through its Portfolio Management program. For busy people, or those who neither have the time nor expertise to track the many nuances of the market, this approach affords them more time to enjoy life, he says.
Chris graduated in 1984 from the University of Scranton with a degree in Business Management. In 2019, he was named by Forbes magazine as one of the best Financial Advisors in Pennsylvania, and has sustained that honor in each successive year. Chris has been married to his lovely wife, Becky, since April of 1991. They are the proud parents of twin daughters, Rachel and Darby. In his free time, Chris enjoys pickleball, golfing, snowboarding, and spending time with his family.
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.
A Financial Advisor since 1985, Chris has worked in every economic and market environment since then, most notably the 1987 stock market crash, the period of rising interest rates in the 1990's, the 'Tech Wreck' of the early 2000's, the 2008 financial crisis and more recently, the Covid economic shutdown and resulting inflationary environment. This extensive experience, he believes, gives him the ability to help clients remain calm and focused on their plan during periods of market and economic uncertainty.
Chris describes himself as a "financial quarterback" because he and his team set up each client’s game plan in the form of a carefully constructed financial strategy. They regularly monitor each plan’s progress and maintain contact with clients periodically to help ensure they are “on track” in pursuit of their objectives.
Chris’s financial planning approach, which includes a comprehensive discovery process, has been so effective during more than 35+ years in the securities industry that he now serves the financial needs of the children of many clients whose financial plans he developed many years, and in some cases decades, ago.
Chris is among a select group of professionals at the firm entrusted to manage portfolios with discretionary authority through its Portfolio Management program. For busy people, or those who neither have the time nor expertise to track the many nuances of the market, this approach affords them more time to enjoy life, he says.
Chris graduated in 1984 from the University of Scranton with a degree in Business Management. In 2019, he was named by Forbes magazine as one of the best Financial Advisors in Pennsylvania, and has sustained that honor in each successive year. Chris has been married to his lovely wife, Becky, since April of 1991. They are the proud parents of twin daughters, Rachel and Darby. In his free time, Chris enjoys pickleball, golfing, snowboarding, and spending time with his family.
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.
Securities Agent: IL, AL, AZ, CA, CO, CT, DC, DE, GA, IN, FL, WA, VA, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NH, NC, MN, MI, ME, MD, MA, KY, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1297998
NMLS#: 1297998
About Ryan William Ashcroft
Ryan is passionate about helping his clients achieve their long-term financial goals. Through his consultative approach and personalized planning process, he helps clients navigate the financial markets with confidence. As a Certified Portfolio Manager CPM®, Ryan completed rigorous coursework in asset valuation, security analysis, portfolio construction and risk management to offer a higher level of insight to his clients. Ryan enjoys having a positive impact on people's lives and providing advice to his clients to help grow and preserve their assets through multiple generations.
Prior to joining Morgan Stanley in 2011, Ryan was a Business Analyst, Financial Analyst, Account Executive and Regional Manager in the wholesale banking and lending sector of the financial services industry. Employing the skills he honed as a successful manager, Ryan leverages Morgan Stanley’s deep breadth of resources and intellectual capital to deliver highly customized portfolios and planning strategies for his clients. As a partner in the Kearon Ashcroft Wealth Management team, Ryan’s clients benefit from the investment experience and exceptional services provided by team members with complimentary skills.
A graduate of Shippensburg University, Ryan received his B.S. in Business Administration with a double major in Finance and Marketing. He received his Certified Portfolio Manager CPM® designation from the Fu Foundation School of Engineering and Applied Science at Columbia University. Ryan and his wife, Kerry, are proud parents of three children, Daniel, Thomas and Brynn. In his spare time, Ryan is a competitive triathlete and an avid skier. He also coaches interscholastic mountain bike racing for NICA (National Interscholastic Cycling Association).
Prior to joining Morgan Stanley in 2011, Ryan was a Business Analyst, Financial Analyst, Account Executive and Regional Manager in the wholesale banking and lending sector of the financial services industry. Employing the skills he honed as a successful manager, Ryan leverages Morgan Stanley’s deep breadth of resources and intellectual capital to deliver highly customized portfolios and planning strategies for his clients. As a partner in the Kearon Ashcroft Wealth Management team, Ryan’s clients benefit from the investment experience and exceptional services provided by team members with complimentary skills.
A graduate of Shippensburg University, Ryan received his B.S. in Business Administration with a double major in Finance and Marketing. He received his Certified Portfolio Manager CPM® designation from the Fu Foundation School of Engineering and Applied Science at Columbia University. Ryan and his wife, Kerry, are proud parents of three children, Daniel, Thomas and Brynn. In his spare time, Ryan is a competitive triathlete and an avid skier. He also coaches interscholastic mountain bike racing for NICA (National Interscholastic Cycling Association).
Securities Agent: NV, MA, DE, NE, PA, LA, SC, NC, MD, IN, AZ, MN, GA, CO, TX, OR, NY, WA, UT, TN, NJ, NH, FL, CT, CA, MI, IL, DC, AL, VA, RI, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 21158
NMLS#: 21158
About Tim Calio
NMLS ID # 2220829
Securities Agent: TN, KY, DE, PA, OH, MI, NC, AZ, TX, GA, CT, CO, CA, RI, IL, NH, NY, FL, VA, NJ, MN, MD, MA, DC, WI, OR, WA, SC; General Securities Representative; Investment Advisor Representative
About Rebecca I. Kearon
Becky holds a Bachelor of Science degree in Human Resources from the University of Delaware. Her career began at Prudential Bache in 1984 as a Client Service Associate where she obtained her Series 7 and 63 licenses by 1985.
After a tenure at Smith Barney from 1990 to 1994, Rebecca returned to Prudential/Wachovia, where she worked closely with Chris and Brian from 1994 to 1999.
Becky and Chris have been happily married since 1991. Becky has always placed a high value on family and her twin daughters. During her time as a stay-at-home mom, she supported her daughters as they pursued volleyball, basketball, and lacrosse.
In 2014, Becky returned to work with Chris and Brian at Morgan Stanley on a part-time basis. She completes special projects for the Kearon Ashcroft Wealth Management Group.
After work, you can find Becky playing a spirited game of pickleball, immersing herself in a good book, or hitting the golf course. Becky is a lifelong Philadelphia Eagles fan and enjoys watching games with her family.
After a tenure at Smith Barney from 1990 to 1994, Rebecca returned to Prudential/Wachovia, where she worked closely with Chris and Brian from 1994 to 1999.
Becky and Chris have been happily married since 1991. Becky has always placed a high value on family and her twin daughters. During her time as a stay-at-home mom, she supported her daughters as they pursued volleyball, basketball, and lacrosse.
In 2014, Becky returned to work with Chris and Brian at Morgan Stanley on a part-time basis. She completes special projects for the Kearon Ashcroft Wealth Management Group.
After work, you can find Becky playing a spirited game of pickleball, immersing herself in a good book, or hitting the golf course. Becky is a lifelong Philadelphia Eagles fan and enjoys watching games with her family.
About Kelsey Crawford
Kelsey Crawford is the wealth management associate for the Kearon Ashcroft Wealth Management Group. She has been in the industry since 2014 and joined Morgan Stanley in 2018. Prior to working with the Kearon Ashcroft Group, Kelsey worked as the Business Service Officer in the Morgan Stanley Berwyn and Newtown Square branches. She has also worked as a Portfolio Associate for a team of Morgan Stanley financial advisors in Conshohocken, PA. She received her B.S. in Mathematics, with a concentration in Chemistry, from the Pennsylvania State University in 2014. She currently holds her Series 7, Series 66, Series 9, and Series 10.
Kelsey resides in Philadelphia and enjoys spending time with her family and golden retriever, traveling, music, and indoor cycling.
Kelsey resides in Philadelphia and enjoys spending time with her family and golden retriever, traveling, music, and indoor cycling.
Contact Christopher Kearon
Contact Ryan William Ashcroft
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Fabienne Sarnecki
Private Banker
About Fabienne Sarnecki
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930
Wealth Management
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
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Ready to start a conversation? Contact Kearon Ashcroft Wealth Management today.
1Morgan 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.
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.
3Morgan 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.
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9The 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
3Morgan 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.
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9The 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.
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.
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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)
