Christina Hom, CRPS®, C(k)P®
Senior Vice President, Financial Advisor
Phone:
(808) 525-6977(808) 525-6977
Kimberli Komo Lo, CFP®, CDFA®
Senior Vice President, Wealth Management,
Financial Advisor
Direct:
(808) 525-6088(808) 525-6088
My Mission Statement
To deliver comprehensive wealth management and financial planning advice guided by understanding and experience
My Story
A Different Style of Wealth Management
Your wealth has meaning. It reflects your struggles and your successes, and it paves the way to your vision of the future. As your advisor and advocate, I begin our relationship by listening, with the goal of finding out what is important to you and then translating that into a strategic, highly-customized wealth management plan. I am here to help you navigate the financial challenges and opportunities you encounter in every chapter of your life, so you can spend more time focusing on what matters most—whether it be the work you enjoy, the people you love or the interests that capture your attention.
Nearly 30 years of experience in the financial services industry has taught me that the most important element of effective wealth management is establishing a genuine connection. I believe in relationships, not transactions—that means investing time in learning your story and understanding what keeps you up at night, what makes you tick, and how family dynamics influence your decision-making. It also means going the extra mile and giving my full attention to any question or concern you may have, no matter how small. By bringing care and compassion to every conversation, I have built long-term, valued relationships that span decades and even generations.
Life is dynamic so when changes occur or unexpected circumstances arise, I will be here to help make sure all aspects of your financial plan remain complementary and aligned with your goals and objectives. Managing wealth can be complex, but it doesn’t have to be overwhelming. Knowing you have an experienced advisor and empathetic listener in your corner can help you feel more confident about your decisions and your direction, every step of the way.
Your wealth has meaning. It reflects your struggles and your successes, and it paves the way to your vision of the future. As your advisor and advocate, I begin our relationship by listening, with the goal of finding out what is important to you and then translating that into a strategic, highly-customized wealth management plan. I am here to help you navigate the financial challenges and opportunities you encounter in every chapter of your life, so you can spend more time focusing on what matters most—whether it be the work you enjoy, the people you love or the interests that capture your attention.
Nearly 30 years of experience in the financial services industry has taught me that the most important element of effective wealth management is establishing a genuine connection. I believe in relationships, not transactions—that means investing time in learning your story and understanding what keeps you up at night, what makes you tick, and how family dynamics influence your decision-making. It also means going the extra mile and giving my full attention to any question or concern you may have, no matter how small. By bringing care and compassion to every conversation, I have built long-term, valued relationships that span decades and even generations.
Life is dynamic so when changes occur or unexpected circumstances arise, I will be here to help make sure all aspects of your financial plan remain complementary and aligned with your goals and objectives. Managing wealth can be complex, but it doesn’t have to be overwhelming. Knowing you have an experienced advisor and empathetic listener in your corner can help you feel more confident about your decisions and your direction, every step of the way.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Wealth ManagementFootnote2
- Wealth PlanningFootnote3
- Financial PlanningFootnote4
- Business PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Trust ServicesFootnote7
- Planning for Individuals with Special Needs and their Families
- Planning for Individuals with Special Needs
- Planning for Education FundingFootnote8
- 529 PlansFootnote9
- UGMA/UTMAFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- AnnuitiesFootnote13
- Fixed IncomeFootnote14
- Municipal BondsFootnote15
- Qualified Retirement PlansFootnote16
- Defined Contribution PlansFootnote17
- Stock Option PlansFootnote18
Securities Agent: WY, WI, WA, VA, UT, TX, TN, SD, SC, RI, PA, OR, OK, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 652861
NMLS#: 652861
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
Having served in the financial services industry for nearly three decades, I believe my most important job is to look out for the best interests of my clients. I accomplish this by listening to my clients’ needs and translating them into comprehensive wealth management plans that make sense and that remain flexible enough to evolve as those needs change.
To better serve my clients, I am committed to staying abreast of current market trends, tax legislation, practice management and planning opportunities. This commitment to lifelong learning often includes rigorous, specialized training and ongoing education:
To better serve my clients, I am committed to staying abreast of current market trends, tax legislation, practice management and planning opportunities. This commitment to lifelong learning often includes rigorous, specialized training and ongoing education:
Prior Experience / Education
Prior joining Morgan Stanley as a Senior Vice President and Financial Advisor, I served as a Vice President and Financial Advisor at Bank of Hawaii. Previously, I held senior executive positions at EasterSeals Hawaii, Central Pacific Bank, and First Hawaiian Bank. Earlier in my career, I worked at TRW (now Experian).
I hold a B.A. in advertising from Simmons University and a Master of Science in direct marketing from Northwestern University. A native of Hawaii, I moved back to Honolulu in 1991. When I’m not helping clients, I enjoy spending time with my family and giving back as a mentor through the Certified Financial Planner Board.
I hold a B.A. in advertising from Simmons University and a Master of Science in direct marketing from Northwestern University. A native of Hawaii, I moved back to Honolulu in 1991. When I’m not helping clients, I enjoy spending time with my family and giving back as a mentor through the Certified Financial Planner Board.
Certified Financial Planner
To further deepen and refine my technical skills and knowledge, I transitioned from the CWS designation and earned a Certified Financial Planner™ (CFP®) designation from the College for Financial Planning in 2017. The CFP® designation is the gold standard for financial planning, While many advisors refer to themselves as financial planners, not every advisor is a CFP®. In addition to having at minimum a bachelor’s degree and three years of financial planning experience, an individual must complete the equivalent of 15 credit hours of college-level courses and pass the Certified Financial Planner Board of Standards exam before becoming a CFP®. The CFP® designation also requires 30 hours of continuing education every two years.
Certified Wealth Strategist
In 2007, I achieved a Certified Wealth Strategist® (CWS®) designation from Canon’s Financial Institute. This training focused on understanding the key wealth issues faced by high net worth individuals and families and addressing these issues in the context of a tailored wealth management strategy.
Certified Divorce Financial Analyst
Over the years, I have helped many clients navigate major life changes such as changing jobs, planning for retirement, exiting a company, facing the declining health or death of a loved one, or dealing with divorce. Through these experiences, I discovered there were issues that were unique to—and often overlooked in—divorce which could have significant long-term implications for clients.
In December 2020, I earned a Certified Divorce Financial Analyst® designation, which reflects my deep understanding of the financial issues related to divorce and my ability to provide strategic advice on the financial implications of this major life change. Like the CFP® designation, the CDFA® designation has robust eligibility, certification and ongoing education requirements.
In December 2020, I earned a Certified Divorce Financial Analyst® designation, which reflects my deep understanding of the financial issues related to divorce and my ability to provide strategic advice on the financial implications of this major life change. Like the CFP® designation, the CDFA® designation has robust eligibility, certification and ongoing education requirements.
My Clients
I serve a diverse clientele of business owners, retirees, and individuals or families who are planning for major milestones or facing important life transitions such as job changes, retirement planning, divorce, declining health, or the loss of a spouse. To strengthen the foundation of trust necessary for a long-term relationship, I make a point of getting to know not just the primary contact, but also their spouse, partner, children, or other loved ones. Often, my clients’ family members or friends find themselves looking to me for advice as well.
Though my clients come from all walks of life and each has a unique story, they all share some common traits:
• They appreciate the value of professional advice.
• They understand the importance of financial planning.
• They expect a level of service that goes above and beyond financial advice.
• They are seeking guidance, options and solutions that are in their best interests and tailored to their goals, priorities and values.
• They feel comfortable asking questions and know that I am here to help support them.
Though my clients come from all walks of life and each has a unique story, they all share some common traits:
• They appreciate the value of professional advice.
• They understand the importance of financial planning.
• They expect a level of service that goes above and beyond financial advice.
• They are seeking guidance, options and solutions that are in their best interests and tailored to their goals, priorities and values.
• They feel comfortable asking questions and know that I am here to help support them.
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. The Parks Group diverse skillsets can help clients navigate the complicated financial factors in their life. See below for more information about the CFP designation and how we can help:
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
Experience
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professional is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board's Code of Ethics. The Rules of Conduct require the CFP® professional to put the client's interest first at all times.
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth Financial Advisors and clients across a broad range of family wealth management issues
Wealth Management Capabilities
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. Our commitment to building, preserving and managing the wealth of our clients forms the foundation of everything we do.
Estate and Legacy Planning
A well-crafted estate plan can help clients plan for the future by getting a better overall sense of their potential estate value. Financial Advisors help clients by analyzing the impact of different strategies surrounding the ownership of assets, philanthropy, and the implementation of trusts.
Investing with Impact
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.
Tax Efficient Investing
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Services We Provide
FINANCIAL PLANNING: Goals Analysis, Retirement Income, Debt Analysis, Special Circumstances
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Wills & Legal Documents, Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
EMPLOYER RETIREMENT PLANS: Investment Management & Monitoring, Participant Financial Education, Participation Focus, Plan Design & Implementation, Evaluate & Recommend Record Keeper/Provider, Plan Fiduciary Responsibilities
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Wills & Legal Documents, Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
EMPLOYER RETIREMENT PLANS: Investment Management & Monitoring, Participant Financial Education, Participation Focus, Plan Design & Implementation, Evaluate & Recommend Record Keeper/Provider, Plan Fiduciary Responsibilities
Our Tailored Process
1. Discovery Process - We listen, learn, and identify what is important to you and your legacy
2. Develop Strategies - We determine risk and gather data to analyze current investments and create a financial plan
3. Onboarding Meeting - We present and discuss the plan
4. Deployment of Solutions - Focus on asset movement and assign responsibilities
5. Orientation Meeting - Meet and understand the team and "who to contact"
6. Wealth Team Integration - Develop and understand your network, liquidity needs, and secondary plans
7. Strategy/Tactical Meetings - Monitor, discuss, and adjust future transitions
2. Develop Strategies - We determine risk and gather data to analyze current investments and create a financial plan
3. Onboarding Meeting - We present and discuss the plan
4. Deployment of Solutions - Focus on asset movement and assign responsibilities
5. Orientation Meeting - Meet and understand the team and "who to contact"
6. Wealth Team Integration - Develop and understand your network, liquidity needs, and secondary plans
7. Strategy/Tactical Meetings - Monitor, discuss, and adjust future transitions
Location
733 Bishop Street
Suite 2800
Honolulu, HI 96813
US
Direct:
(808) 525-6088(808) 525-6088
Meet My Team
Miki C. Ohashi, QPFC
Vice President, Financial Advisor
Phone:
(808) 525-6027(808) 525-6027
About Christina Hom
Christina grew up in Detroit as the youngest of three children in a Chinese-American family. Her mother passed away when she was young and she quickly learned to be independent, resourceful and self-sufficient, attributes she tries to pass along to her clients. After earning a baccalaureate degree from the University of Michigan at Ann Arbor, Christina began her career as a Financial Advisor at Dean Witter. She joined Merrill Lynch in 1990 and joined Morgan Stanley in 2000. She was the managing partner of the Strada/McRoberts Team at Morgan Stanley’s Honolulu branch until she joined the Parks Group at Graystone Consulting in 2018.
Outside of work, she is a member of the Hawaiian International Film Festival (HIFF)’s Board of Directors and a member of the Associated Chinese University Women. She enjoys jazz music, dancing to Motown music, traveling and watching films with her husband.
Outside of work, she is a member of the Hawaiian International Film Festival (HIFF)’s Board of Directors and a member of the Associated Chinese University Women. She enjoys jazz music, dancing to Motown music, traveling and watching films with her husband.
Securities Agent: OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY, NH, ND, OR, NC, MT, MS, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, NJ, NM, NV, NY, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
About Miki C. Ohashi
Miki has spent the last 20 years helping clients navigate college funding, transitioning to retirement, caring for parents, maximizing charitable giving, advanced tax strategies, business planning, estate strategies, manage equity compensation and more. The Qualified Plan Financial Consultant (QPFC) designation is a demonstration of her commitment to help clients plan for the retirement of their dreams rather than just dream about retirement.
Born and raised in the Silicon Valley, Miki quickly adapted to Hawaii life through hiking, cycling, Stand Up Paddle Boarding, traveling and yoga. Miki is also a core volunteer for Sustainable Coastlines Hawaii, Blood Donor and active with community events. She lives in Kailua, HI with her husband and regularly hosts loved ones from all corners of the world!
Born and raised in the Silicon Valley, Miki quickly adapted to Hawaii life through hiking, cycling, Stand Up Paddle Boarding, traveling and yoga. Miki is also a core volunteer for Sustainable Coastlines Hawaii, Blood Donor and active with community events. She lives in Kailua, HI with her husband and regularly hosts loved ones from all corners of the world!
Securities Agent: WY, OR, NV, NH, MI, MD, DE, WV, RI, NY, KY, GA, TX, SC, DC, AL, SD, NM, ND, NC, HI, MS, MN, WA, PA, NJ, FL, CT, AZ, AR, OK, KS, MO, IN, CA, VT, VA, MT, IA, CO, UT, TN, ME, MA, IL, AK, OH, WI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
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
Wendy Fortenberry
Private Banker
George Ly
Associate Private Banker
Jeff Spence
About Wendy Fortenberry
Wendy Fortenberry is a Private Banker serving Morgan Stanley Wealth Management offices in San Francisco, California and Hawaii.
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.
Wendy began her career in financial services in 2001, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games & performing arts events as well as spending time with family and friends.
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.
Wendy began her career in financial services in 2001, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games & performing arts events as well as spending time with family and friends.
NMLS#: 637424
About George Ly
George Ly is an Associate Private Banker serving Morgan Stanley Wealth Management offices in San Francisco, Burlingame and Hawaii.
Associate Private Bankers partner with Private Bankers and 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.
George began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Branch Manager at JP Morgan Chase and Patelco Credit Union.
George is a graduate of Hayward State, where he received a Bachelors of Science in Finance & Corporate Management. He resides in the Bay Area with his wife and two children. Outside of the office, George enjoys spending time with his children, playing basketball and going to the gym.
Associate Private Bankers partner with Private Bankers and 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.
George began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Branch Manager at JP Morgan Chase and Patelco Credit Union.
George is a graduate of Hayward State, where he received a Bachelors of Science in Finance & Corporate Management. He resides in the Bay Area with his wife and two children. Outside of the office, George enjoys spending time with his children, playing basketball and going to the gym.
NMLS#: 1259129
About Jeff Spence
Jeff Spence is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Jeff began his career in financial services in 2004, and joined Morgan Stanley in 2014 as a Private Banking Vice President. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Branch Manager at Bank of America.
Jeff is a graduate of the University of California, Riverside, where he received a Bachelors in Business Administration. He lives in Oakland, CA with his wife, Sherie. Outside of the office, Jeff enjoys riding his motorcycle in the East Bay mountains of California, and traveling the world with his wife enjoying new experiences.
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.
Jeff began his career in financial services in 2004, and joined Morgan Stanley in 2014 as a Private Banking Vice President. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Branch Manager at Bank of America.
Jeff is a graduate of the University of California, Riverside, where he received a Bachelors in Business Administration. He lives in Oakland, CA with his wife, Sherie. Outside of the office, Jeff enjoys riding his motorcycle in the East Bay mountains of California, and traveling the world with his wife enjoying new experiences.
NMLS#: 637529
Wealth Management
From My Desk
A Simple Six-Step Retirement Checkup
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Kimberli Komo Lo today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Municipal 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.
16When 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.
17When 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.
18Morgan 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.
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Municipal 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.
16When 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.
17When 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.
18Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
