Kathy Pratt
Senior Registered Client Service Associate
Phone:
(410) 770-6121(410) 770-6121
Lisa Hunter, CFP®
Vice President,
Financial Advisor,
Family Wealth Advisor
Direct:
(410) 770-6137(410) 770-6137
My Mission Statement
Our singular focus is our client’s financial well-being: to understand your hopes, dreams and worries, then provide tailored strategies that fit your needs, and are readily incorporated into your lifestyle, and ultimately provide you with peace of mind.
Lisa Hunter at Morgan Stanley
Smart Planning starts with asking the right questions, as well as understanding your financial needs and goals.
Planning, Collaboration, Success
My core focus is to provide comprehensive, and personalized financial strategies and solutions to businesses, multi-generational families, and individuals. With nearly 30 years of combined experience, the Financial Advisors with Hunter/Hatfield at Morgan Stanley approach each situation with your goals and concerns at the center of every recommendation. I strive to bring meaningful and relevant ideas to my clients and make it easy to evaluate your investment alternatives.
Planning
My process starts with an expansive discovery. I invest a substantial amount of time with each of our clients to ensure that I fully understand their unique situation. I follow an integrated wealth management process that includes advanced planning, investment knowledge and superior relationship management with our clients.
Collaboration
Using modern technology and years of experience, my team collectively develops a financial goals-based plan that includes not only investments, but also ways to help mitigate investment-related taxes, manage your everyday finances and address borrowing needs. Together, our team brings unique perspectives, experiences and skill sets seeking to effectively solve their clients' financial challenges.
Success
In working with me as your Financial Advisors at Morgan Stanley, you will have access to the world's most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices. I am committed to providing regular progress updates so you can see whether your savings and spending habits are in line with your goals – making it easier for you to stay on course.
Planning, Collaboration, Success
My core focus is to provide comprehensive, and personalized financial strategies and solutions to businesses, multi-generational families, and individuals. With nearly 30 years of combined experience, the Financial Advisors with Hunter/Hatfield at Morgan Stanley approach each situation with your goals and concerns at the center of every recommendation. I strive to bring meaningful and relevant ideas to my clients and make it easy to evaluate your investment alternatives.
Planning
My process starts with an expansive discovery. I invest a substantial amount of time with each of our clients to ensure that I fully understand their unique situation. I follow an integrated wealth management process that includes advanced planning, investment knowledge and superior relationship management with our clients.
Collaboration
Using modern technology and years of experience, my team collectively develops a financial goals-based plan that includes not only investments, but also ways to help mitigate investment-related taxes, manage your everyday finances and address borrowing needs. Together, our team brings unique perspectives, experiences and skill sets seeking to effectively solve their clients' financial challenges.
Success
In working with me as your Financial Advisors at Morgan Stanley, you will have access to the world's most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices. I am committed to providing regular progress updates so you can see whether your savings and spending habits are in line with your goals – making it easier for you to stay on course.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth PlanningFootnote3
- Planning for Education FundingFootnote4
- Cash ManagementFootnote5
- Wealth ManagementFootnote6
- Trust AccountsFootnote7
- Qualified Retirement PlansFootnote8
- 401(k) Rollovers
- UGMA/UTMAFootnote9
- 529 PlansFootnote10
- Sustainable InvestingFootnote11
- Municipal BondsFootnote12
- AnnuitiesFootnote13
- Long Term Care InsuranceFootnote14
- Life InsuranceFootnote15
Securities Agent: CT, WV, VA, SC, NM, NE, MA, GA, FL, CA, AZ, TX, TN, PA, OH, NJ, WI, OR, MN, MI, HI, WA, ME, ID, DE, NV, MD, NY, MO, CO, VT, UT, NH, IN, RI, IL, AL, NC, IA, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 176810
NMLS#: 176810
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
MARKET UPDATES AND INSIGHTS FROM LISA HUNTER AT MORGAN STANLEY
I am dedicated to provide you with financial education, timely and relevant market perspectives, and insightful market trends. Please contact me if you would like to discuss these topics.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership, timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Learn More Here
GIC Monthly Perspectives Webcastr
Lisa Shalett, Wealth Management Chief Investment Officer & Head of the Global Investment Office, recently provided her market update for November, 2023.
Listen to the webcast
Thoughts on the Market
Financial Podcast from Morgan Stanley which provides daily perspectives on the forces shaping markets.
Listen to the podcast
2023 Global Macroeconomic Midyear Outlook: Slower Global Growth with Bright Spots in Emerging Markets
2023 Global Macroeconomic Midyear Outlook: Slower Global Growth with Bright Spots in Emerging Markets. In the face of high interest rates, global GDP growth is likely to slow to 2.9% this year and stay lackluster in 2024.
Access the ResearchRetirement Planning
Comprehensive Retirement Planning starts with asking four critical questions:
1. Cashflow Needs In Retirement: Do you know how much you’ll need to spend in retirement to maintain your current lifestyle?
2. Savings Assessment: Are you saving enough to maintain this lifestyle in retirement?
3. Tax Optimization: Are you managing your tax liability in the most effective manner not only for today, but also during retirement?
4. Investment Risk Management: How much risk should you be taking with your investments to achieve your financial goals?
As a seasoned financial advisor, Lisa specializes in helping individuals navigate the complexities of what and how they envision their retirement. Lisa works through these questions to quantify your future retirement needs and goals, and then determine the best strategy towards achieving your goal, which is the foundation of your retirement planning strategy. Let’s embark on this journey together towards financial security and prosperity.
1. Cashflow Needs In Retirement: Do you know how much you’ll need to spend in retirement to maintain your current lifestyle?
2. Savings Assessment: Are you saving enough to maintain this lifestyle in retirement?
3. Tax Optimization: Are you managing your tax liability in the most effective manner not only for today, but also during retirement?
4. Investment Risk Management: How much risk should you be taking with your investments to achieve your financial goals?
As a seasoned financial advisor, Lisa specializes in helping individuals navigate the complexities of what and how they envision their retirement. Lisa works through these questions to quantify your future retirement needs and goals, and then determine the best strategy towards achieving your goal, which is the foundation of your retirement planning strategy. Let’s embark on this journey together towards financial security and prosperity.
Understanding Various Savings Vehicles
Having enough income to comfortably cover all necessary expenses is a key to a successful retirement. Sources of retirement income will vary and typically include Social Security, retirement accounts and/or pension payments, as well as other sources such as investments, rental income or an inheritance. I will work with you to help itemize your projected expenses in retirement and identify potential sources of retirement income.
Learn more about Retirement Strategies
The Psychological Transition into Retirement
Transitioning into retirement can be difficult, especially for those who are emotionally invested in their career. Given that many people overlook the psychological adjustments of retirement, we are here to help your understand why it's important to be emotionally (not just financially) ready for retirement.
Are you prepared for Retired Life?
Risks to Your Retirement
Once I have taken the time to determine what kind of retirement you would like to achieve, I will work with you to take a closer look at the risks that might be standing between your retirement goals. Some of these risks may be obvious, such as market risk and the rising cost of health care, but there are others that may need to be explored. I will utilize our experience to assist you with identifying these factors.
Retirement Challenges
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you'll pay in taxes and may help you keep more of the returns. Each retiree's situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Tax Smart Strategies for Your RetirementCOMPREHENSIVE FINANCIAL PLANNING
Regardless of your stage in life—just starting out, advancing in your career, raising a family, enjoying retirement, planning a legacy, or something in between—as your Financial Advisors, we can help you achieve your financial aspirations.
Using a suite of tools and practices, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs, helping you progress toward your goals
We can create your personal roadmap to help you grow and protect your wealth – a framework that connects your life goals with your financial resources and provides a touchstone for our work together.
Using a suite of tools and practices, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs, helping you progress toward your goals
We can create your personal roadmap to help you grow and protect your wealth – a framework that connects your life goals with your financial resources and provides a touchstone for our work together.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals
Complete Questionnaire Here
Retirement & Financial Goal Analysis
Throughout your life, we help you articulate and plan for your financial goals, near and far—from retirement and legacy-planning to education and homeownership. We use advanced planning tools to analyze investment and savings strategies, translate the results into options and recommendations tailored to you, and regularly monitor and review progress with you to help keep you on-track.
Estate & Legacy Planning Strategies
It's important to plan for what will happen with your wealth when you're gone or need help. Wills, revocable and irrevocable trusts, Medicaid planning, powers of attorney, transfer-on-death—we help you understand the landscape, consider your options, and coordinate with your estate attorney to help ensure that your wishes are heard, understood, and met.
Cash Flow Analysis & Income Planning
We assist with analyzing and projecting income and expenses, understanding your cash flows, budgeting, building reserves, and establishing savings plans. We provide insights and analysis into Social Security, pensions, annuities, investments, and other current and future income sources to help plan the optimal mix and timing of income to keep you on-track for your goals.
Divorce Planning
Separating from a spouse is tough emotionally and financially. We help guide you through this difficult time, coordinating with your attorney to navigate complex financial decisions and help avoid the many pitfalls that can arise. Coming out of your divorce, we also help you establish your independent financial footings, reimagine your goals, and rebuild your financial wellbeing as you transition into the next chapter of your life.
Investment Management
As fiduciaries, we steward your investment portfolio in your best interest—consistent with your needs, goals, preferences, risk tolerance, and tax circumstances. We manage your investments in accordance with a holistic investment strategy tailored to you, and we review your portfolio with you on a regular basis.
Insurance Analysis
We review your financial risk profile, assess the factors that drive insurance needs, and identify potential areas of exposure to help you determine the right mix and amounts of insurance coverage for you. We also assess your existing coverages to identify areas that may warrant changes.
Tax Optimization
Tax-smart investing and withdrawal strategies can help you mitigate exposure to current taxes in your portfolio and keep more of what you've earned. From income and capital gains taxes to estate taxes and tax penalty pitfalls, we use active tax-reduction strategies and look for opportunities to help reduce your tax bill, saving more for what matters most to you.
Debt Management
We review your mortgages, car loans, credit cards, and any other debts that you may have, helping you identify opportunities to restructure debt to improve cash flow and/or reduce interest expense, prioritize repayment based on the most pertinent factors, and establish an optimal payment plan based on your situation.
Choosing a Retirement Plan for Your Business
Are you maximizing the retirement plan options for your business?? There are a wide variety of retirement programs available, all of which can offer tax advantages to both employers and employees. Three general types of plans are:
401k Plans
IRA-Based Plans
Defined Contribution Plans
Defined Benefit Plans
Businesses may be able to select a plan in one or more of these general categories to construct a retirement program unique to the business' needs.
401k Plans
IRA-Based Plans
Defined Contribution Plans
Defined Benefit Plans
Businesses may be able to select a plan in one or more of these general categories to construct a retirement program unique to the business' needs.
The Hunter/Hatfield at Morgan Stanley Resource Center
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
Retirement
Financial Planning Preparation Documents
Giving
Estate Planning
Location
28601 Marlboro Ave
Ste 201
Easton, MD 21601
US
Direct:
(410) 770-6137(410) 770-6137
Meet My Team
Shane L. Hatfield, QPFC
Financial Advisor, Financial Planning Specialist
Phone:
(410) 770-6146(410) 770-6146
About Kathy Pratt
Kathy Pratt is a Senior Registered Client Service Associate with Hunter/Hatfield at Morgan Stanley. Kathy started her career within the financial industry in May, 1996 with Legg Mason. She brings over 17 years of experience.
Kathy holds the Series 7, Series 63, and Series 66 licenses. Her primary focus with the team is to provide clients with a high level of service in various operational and administrative areas.
Kathy resides in Church Hill, Maryland. Outside of work, Kathy enjoys enjoys taking walks, traveling, and spending time with family and friends
Kathy holds the Series 7, Series 63, and Series 66 licenses. Her primary focus with the team is to provide clients with a high level of service in various operational and administrative areas.
Kathy resides in Church Hill, Maryland. Outside of work, Kathy enjoys enjoys taking walks, traveling, and spending time with family and friends
About Shane L. Hatfield
Shane Hatfield, QPFC, is a Financial Advisor and Financial Planning Specialist at Morgan Stanley. He began his career within the financial service industry in 2014 as a Client Service Associate at Morgan Stanley. He gained five years of experience delivering exceptional support for clients. From there, Shane worked as a Wealth Advisor Associate for two years collaborating with advisors across the mid-Atlantic region. This allowed him to expand his knowledge and experience to deliver comprehensive financial plans, which is core to his practice as a Financial Advisor. Always looking to further his expertise and knowledge, Shane earned the rigorous certification of Qualified Plan Financial Consultant (QPFC) in 2022.
Shane enlisted in the Army Reserves in January 2009 and is currently a Drill Sergeant with a unit in Fort Meade, Maryland. During that time, he earned his Bachelor of Science in Finance from Salisbury University, where he developed an interest in personal financial planning.
A native of Maryland’s Eastern Shore, Shane lives with his wife and two daughters just outside of Cambridge in East New Market. In his free time, he enjoys running and the outdoors, especially boating with his family.
Shane enlisted in the Army Reserves in January 2009 and is currently a Drill Sergeant with a unit in Fort Meade, Maryland. During that time, he earned his Bachelor of Science in Finance from Salisbury University, where he developed an interest in personal financial planning.
A native of Maryland’s Eastern Shore, Shane lives with his wife and two daughters just outside of Cambridge in East New Market. In his free time, he enjoys running and the outdoors, especially boating with his family.
Securities Agent: TX, TN, NJ, ME, MA, KY, OK, WI, SC, NC, MD, GA, CA, AL, WV, FL, OR, MN, AR, AK, NE, MO, CT, AZ, WA, VT, VA, RI, NV, NM, MI, IN, IL, DE, DC, HI, ID, PA, OH, NY, CO, NH, LA, IA, UT; 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
Sean W. Ruediger
Private Banker
About Sean W. Ruediger
Sean Ruediger is a Private Banker serving Morgan Stanley’s Wealth Management offices in Washington D.C. and Maryland.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
NMLS#: 1192383
Wealth Management
From My Desk
LifeView® Goal Analysis Client Questionnaire
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
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
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
Ready to start a conversation? Contact Lisa Hunter 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.
1Morgan 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.
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.
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.
4When 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.
5Morgan 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
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Municipal 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.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan 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.
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.
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.
4When 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.
5Morgan 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
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Municipal 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.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
