Keith Dressel, CIMA®, CRPS®
Senior Vice President, Financial Advisor, Corporate Retirement Director
Phone:
(201) 712-4048(201) 712-4048
Keith Dressel, CIMA®, CRPS®
Senior Vice President,
Financial Advisor,
Corporate Retirement Director,
Alternative Investments Director
Direct:
(201) 712-4048(201) 712-4048
Toll-Free:
(866) 828-5706(866) 828-5706
My Mission Statement
Experience, discipline, and a personal approach. That's what we bring to all our client relationships.
Our Story
Whether you’re managing an employee retirement plan, preparing for your own retirement, or transferring your wealth to your children – we strive to make the complex simple. Keith Dressel provides comprehensive wealth management solutions to group benefit plans, endowments, foundations, businesses and high net worth families. Keith’s highly-skilled team has helped clients build and preserve their assets through numerous market cycles while developing long term relationships built on trust.
Education
- Certified Investment Management Analyst (CIMA) - The CIMA certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
- Chartered Retirement Plans Specialist (CRPS) - Individuals who hold the CRPS® designation have completed a course of study encompassing design, installation, maintenance and administration of retirement plans.
- Accredited Investment Fiduciary - The Accredited Investment Fiduciary® (AIF®) Designation training empowers investment professionals with the fiduciary knowledge and tools they need to serve their clients’ best interest.
- Rutgers University - Bachelor of Science Degree
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Qualified Retirement PlansFootnote3
- Estate Planning StrategiesFootnote4
- 529 PlansFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- AnnuitiesFootnote8
- Institutional ServicesFootnote9
- Corporate Investment SolutionsFootnote10
- Executive Benefit ServicesFootnote11
- Asset Management
- Cash Management and Lending ProductsFootnote12
- Municipal BondsFootnote13
Securities Agent: HI, CA, WY, VT, NJ, MA, MI, OH, NM, AL, WI, SC, MN, NV, ND, VA, TX, DC, AR, TN, GA, NY, KY, CO, WA, UT, LA, DE, CT, PA, NH, MD, FL, AZ, RI, NC, IL, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1297779
NMLS#: 1297779
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating Economic, Social, and Environmental Value
Investing with Impact delivers a comprehensive and holistic wealth solution for our clients that seek to generate market-rate financial returns alongside positive environmental and social impact. The Cirelli Reilly Group, alongside the resources of Morgan Stanley, help individuals, families, and organizations we serve align their personal, social, and environmental values with their investments.
What is Investing with Impact?
Investments with the intention to generate a measurable positive social and/or environmental impact alongside a financial return. Click the links below for more information on impact investing.
Watch a VideoInstitute for Sustainable Investing
Morgan Stanley produces informative sustainability research and opinions from industry and issue experts to encourage innovative approaches to solving climate change and other sustainability challenges.
Learn MoreMorgan Stanley IQ
Morgan Stanley IQ enables Financial Advisors to align client portfolios with unique social and environmental impact goals. Developed through proprietary technology and analytics, Morgan Stanley IQ is a new tool that gives our clients the ability to understand the environmental and social impact of their investments. Built on rigorous analysis of companies' products and practices, Morgan Stanley IQ can instantly assess the impact of your investments across 100+ social and environmental factors.
Learn MoreDigital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Lifeview
Lifeview is built on Morgan Stanley's intellectual capital and capabilities to provide you with comprehensive investing and planning solutions for your individual goals. Contact us to begin your plan today.
Learn about Goals Based PlanningResources
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
2024 Federal Tax Tables
This document outlines the 2022 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2024 Tax Tables
Required Minimum Distributions
Required minimum distributions (RMDs) are likely to play an important role in your finances in retirement. Planning ahead for what you want to do with the money may help reduce taxes and increase options for re-investing. Here’s 8 things you should know.
Learn More
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Reports
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research ReportOur Process of Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. Through decades of industry experience, Keith has developed a cohesive strategy for working with clients:
Planning, Risk Management, and Education
For over 20 years, Keith Dressel has created successful strategic plans and investment portfolios with a deliberate approach. During the discovery process, the team takes its time to develop a thorough understanding of each client’s financial situation, long and short term goals, and appetite for risk. Keith utilizes this information along with the firm’s modern wealth management analytics and risk management tools to formulate individualized strategies.
Educating clients is a top priority for Keith. He explains his plans in a detailed and transparent manner. Keeping clients well informed helps manage investor expectations, and breeds comfort and confidence with the practice.
Educating clients is a top priority for Keith. He explains his plans in a detailed and transparent manner. Keeping clients well informed helps manage investor expectations, and breeds comfort and confidence with the practice.
The Global Resources of Morgan Stanley
Keith’s extensive experience combined with Morgan Stanley’s vast resources and product experts enable it to assist with almost every facet of financial services including investment management, retirement planning, insurance, cash management, legacy, philanthropy, and education planning. Keith is also able to source exclusive investment opportunities including alternative investments.
Clients benefit from Morgan Stanley’s infrastructure which reduces administrative costs by scaling. Investing activities are enhanced by the firm’s market leading research that provides in-depth analysis of companies, industries, markets, and world economies.
Clients benefit from Morgan Stanley’s infrastructure which reduces administrative costs by scaling. Investing activities are enhanced by the firm’s market leading research that provides in-depth analysis of companies, industries, markets, and world economies.
Personal Service
Keith is always available to his clients and he strives to develop personal connections. Positions are vigilantly monitored, and meetings are scheduled to appraise goals and financial condition. Keith’s earnest style has garnered high satisfaction and led to multi-generational family and long term institutional relationships.
Location
61 Paramus Rd
Paramus, NJ 07652
US
Direct:
(201) 712-4048(201) 712-4048
Toll-Free:
(866) 828-5706(866) 828-5706
Fax:
(201) 226-5914(201) 226-5914
Meet My Team
Dona Rozsypal
Wealth Management Associate
Phone:
(201) 712-4051(201) 712-4051
Debra Contino
Portfolio Associate
Phone:
(201) 712-4091(201) 712-4091
About Keith Dressel, CIMA®, CRPS®
Keith graduated with a B.S. from Rutgers University in 1997. He began working in the securities industry in 2000 and joined Morgan Stanley in 2005.
Keith focuses on portfolio design and investment consulting to group benefit plans, endowments, foundations, families and individuals. Morgan Stanley has designated Keith as one of their Corporate Retirement Directors and a Senior Institutional Consultant.
The National Association of Plan Advisors (NAPA) recognized Keith as one of the “Top 50 Plan Advisors Under 40” in their Summer 2014 issue of NAPAnet Magazine.
In addition to his work with institutions, he enjoys working with individuals and in particular multi-generational family wealth. When asked, Keith said, “It’s interesting to improve plan design and help ensure that pension benefit obligations are met. However, when you work with individuals you really get to see the end result of financial wellness. It’s very rewarding.”
In Keith’s 19 years of experience in the securities industry he has earned the CIMA® Certification (Certified Investment Manager Analyst) designation from the Wharton School of Business and the CRPS® (Chartered Retirement Plan SpecialistSM) designation from the College for Financial Planning. Keith is the on the Board of the Association of Professional Investment Consultants (APIC), and a member of the Investment Management Consulting Association (IMCA), and the Association for Fiduciary Education (AFE).
Keith lives in Montvale, NJ with his wife and two sons. Keith and his family are active members of Bergen Highlands Methodist Church of Upper Saddle River, NJ.
2014 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: napa-net.org (Nov 2014) Data compiled by NAPA based on time period from Aug 2013-Aug 2014.
Keith focuses on portfolio design and investment consulting to group benefit plans, endowments, foundations, families and individuals. Morgan Stanley has designated Keith as one of their Corporate Retirement Directors and a Senior Institutional Consultant.
The National Association of Plan Advisors (NAPA) recognized Keith as one of the “Top 50 Plan Advisors Under 40” in their Summer 2014 issue of NAPAnet Magazine.
In addition to his work with institutions, he enjoys working with individuals and in particular multi-generational family wealth. When asked, Keith said, “It’s interesting to improve plan design and help ensure that pension benefit obligations are met. However, when you work with individuals you really get to see the end result of financial wellness. It’s very rewarding.”
In Keith’s 19 years of experience in the securities industry he has earned the CIMA® Certification (Certified Investment Manager Analyst) designation from the Wharton School of Business and the CRPS® (Chartered Retirement Plan SpecialistSM) designation from the College for Financial Planning. Keith is the on the Board of the Association of Professional Investment Consultants (APIC), and a member of the Investment Management Consulting Association (IMCA), and the Association for Fiduciary Education (AFE).
Keith lives in Montvale, NJ with his wife and two sons. Keith and his family are active members of Bergen Highlands Methodist Church of Upper Saddle River, NJ.
2014 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: napa-net.org (Nov 2014) Data compiled by NAPA based on time period from Aug 2013-Aug 2014.
Securities Agent: HI, CA, WY, VT, NJ, MA, MI, OH, NM, AL, WI, SC, MN, NV, ND, VA, TX, DC, AR, TN, GA, NY, KY, CO, WA, UT, LA, DE, CT, PA, NH, MD, FL, AZ, RI, NC, IL, SD; General Securities Representative; Investment Advisor Representative
About Dona Rozsypal
Dona Rozsypal is a Wealth Management Associate at Morgan Stanley. With more than 25 years of experience in the financial services industry, Dona focuses on supporting the team's products and services, maintaining client relationships, and executing high volume trades.
A graduate of St. Thomas Aquinas College, Dona received her Bachelor's degree in Business with a concentration in Management Information Systems. Dona is Series 7, 63, and 65 licensed.
With her strong work ethic and attentive approach, Dona ensures that clients' needs are not only met with diligence, but in keeping with their larger financial goals. She's committed to building meaningful long-term relationships with clients, and is proud to work with several clients' grandchildren and even some great-grandchildren as a result.
Outside of work, Dona enjoys spending time with her family.
A graduate of St. Thomas Aquinas College, Dona received her Bachelor's degree in Business with a concentration in Management Information Systems. Dona is Series 7, 63, and 65 licensed.
With her strong work ethic and attentive approach, Dona ensures that clients' needs are not only met with diligence, but in keeping with their larger financial goals. She's committed to building meaningful long-term relationships with clients, and is proud to work with several clients' grandchildren and even some great-grandchildren as a result.
Outside of work, Dona enjoys spending time with her family.
About Debra Contino
Debra Contino is a Portfolio Associate with Morgan Stanley. With over 20 years in the financial services industry, she brings experience and enthusiasm to her role maintaining effective client relationships for the team.
A graduate of the College of Mount St. Vincent, Debra received her Bachelor's degree in Economics. Debra is licensed in Series 7 and Series 66.
Debra works closely with both current and prospective clients, cultivating relationships that give the team insight on how best to meet each client's needs. Always eager to embrace a new challenge, Debra resolves inquiries with a keen attention to detail and a passion for problem solving.
A graduate of the College of Mount St. Vincent, Debra received her Bachelor's degree in Economics. Debra is licensed in Series 7 and Series 66.
Debra works closely with both current and prospective clients, cultivating relationships that give the team insight on how best to meet each client's needs. Always eager to embrace a new challenge, Debra resolves inquiries with a keen attention to detail and a passion for problem solving.
Wealth Management
Global Investment Office
Portfolio Insights
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 Keith Dressel today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
5Investors 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
5Investors 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
