Family

Whether you’re starting a family, funding a child’s education or addressing health care needs, we’ll work with you to create a roadmap to your future and help you achieve—and protect—your goals.
Are You Prepared for Tax Day?
Article Image

Are You Prepared for Tax Day?

The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.
6 Financially Smart Ways to Start 2025
Article Image

6 Financially Smart Ways to Start 2025

Heading into 2025, it?s time to take stock of your budget, debt and investments?and check them against your financial goals. These six steps can get you started.
Know What to Do if You Think You've Been Hacked
Article Image

Know What to Do if You Think You've Been Hacked

Know the steps to take if and when your identity, account, device or information is compromised.
Promoting Healthy Longevity
man and women in kitchen eating

Promoting Healthy Longevity

As the global population gets older and lives longer, food plays an important role in healthy longevity?offering opportunities for companies that support wellbeing.
A Parent's Guide to Talking to Your Kids About Money
Article Image

A Parent's Guide to Talking to Your Kids About Money

Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.
6 Money Questions to Ask Your Partner Before You Commit
Article Image

6 Money Questions to Ask Your Partner Before You Commit

Thinking of taking the next step with someone special? Head off money headaches by talking about your finances first.
Will AI Plan Your Next Vacation?
Article Image

Will AI Plan Your Next Vacation?

Generative artificial intelligence could upend travel planning, bringing disruption and opportunity to online travel agencies and search engines.
Uncover 6 Ways to Reduce Your Tax Bill
Article Image

Uncover 6 Ways to Reduce Your Tax Bill

Take a look at your Form 1040 to find potential opportunities to save money hidden between its lines.
Teaching Your Teenagers About Money
Article Image

Teaching Your Teenagers About Money

As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.
How to Take the Emotion Out of Investing
Article Image

How to Take the Emotion Out of Investing

Recognizing your impulses when investing can help you sharpen your decision-making. Here’s how.
529 Plans: A Powerful Tool to Save for Education
Article Image

529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save early can make a difference.
How to Break the Ice Around Family Finances
Article Image

How to Break the Ice Around Family Finances

Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
You've Been Named Executor of a Parent's Will. Now What?
Article Image

You've Been Named Executor of a Parent's Will. Now What?

If you’ve been named the executor of a parent’s will, you’ll find it’s a role with both emotional and administrative tasks. Here are some key guidelines.
Estate Planning Essentials: 7 Key Steps
Article Image

Estate Planning Essentials: 7 Key Steps

Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
529 Plans and More: Innovative and Effective Ways to Pay for Education
Article Image

529 Plans and More: Innovative and Effective Ways to Pay for Education

A 529 plan is a great way to invest for future education costs, but there are also other options to raise the funds you need.
Your Mid-Year Financial Planning Checklist
Article Image

Your Mid-Year Financial Planning Checklist

Changes in the market or shifts in your personal circumstances may require adjustments to your financial plan. Here’s a mid-year checklist to help get you started.
Taking Control of Your Finances after Divorce or Death of a Spouse
Article Image

Taking Control of Your Finances after Divorce or Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.
5 Things You May Not Know About 529s (But Should)
Article Image

5 Things You May Not Know About 529s (But Should)

They're tax friendly, flexible and available to anyone. Yet, 529 education savings plans are still underused. Here are five things that parents, grandparents and anyone hoping to get a leg up on college costs need to know.
Six Steps to Creating an Emergency Fund
Article Image

Six Steps to Creating an Emergency Fund

Having an emergency fund for unplanned expenses can save you from a bad situation. Here’s how to create and prioritize one.
Protecting Elders From Financial Abuse
Article Image

Protecting Elders From Financial Abuse

Financial abuse of older citizens is one of the most common crimes in the U.S. But there are ways to protect you or your loved ones from scams like these. 
The Tax-Smart Portfolio: Helping to Keep More of What You Earned
Article Image

The Tax-Smart Portfolio: Helping to Keep More of What You Earned

Tax strategies can have a surprisingly large potential impact on lifetime wealth accumulation. A look at some of the techniques that could help you keep more money growing.
5 Ways to Spring Clean Your Finances
Article Image

5 Ways to Spring Clean Your Finances

A lot can pile up over a year, or just a season. Here are five tips to help you tidy up, declutter and organize your finances this spring.

Products and Services for Families

529 Plans / Education Planning

Solutions for the many ways to save for a child's college education, including 529 College Savings Plans, Coverdell Education Savings Accounts and UGMA/UTMA.

Trust Services and Accounting

Helping pair appropriate third-party trustees with your clients' trust accounts as well as assistance selecting an appropriate advisory solution for managing trust assets.

Estate Planning

Addressing the needs of your estate from helping families handle wills and legal documents to legacy planning and gifting to helping with family governance and wealth plan protection.

Long Term Care Insurance

Helping clients protect their retirement portfolios by identifying a variety of long-term care solutions which provide security and peace of mind.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
Market Information Delayed 20 Minutes
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.

Investors 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.

Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Morgan 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 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. To understand the differences between brokerage and advisory relationships, individuals should consult with a Financial Advisor, 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 and other legal matters.

Morgan 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.

Asset Allocation does not assure a profit or protect against loss in declining financial markets.

The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.

Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.

Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.

See the Financial Advisors Biographies for Registration and Licensing information.

Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.

Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.

Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Morgan 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

Awards Disclosures
CRC 6295606 (3/2024)