Mary Howard, CRPC®
First Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(406) 522-2046(406) 522-2046
Mary Howard, CRPC®
First Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Manager
Direct:
(406) 522-2046(406) 522-2046
Toll-Free:
(800) 423-6206(800) 423-6206
My Mission Statement
Providing experienced wealth planning services for your life, business, and legacy goals through customized strategies, portfolio construction, and extensive firm resources.
My Story and Services
I am a First Vice President, Financial Advisor, Senior Portfolio Manager and Chartered Retirement Planning Counselor® at the Morgan Stanley branch in Bozeman, Montana. I have over twenty-seven years in the financial industry, as well as my Series 7, Series 66, and insurance licenses. After beginning my career as part of a high producing team at another firm, I joined Morgan Stanley in 2009, where I have since earned my designation as a Senior Portfolio Manager. Morgan Stanley offers cutting-edge resources for wealth planning, research and digital tools. I utilize this tremendous opportunity to put these features to work for my clients to help build robust portfolios, promote financial literacy, prioritize world-class service, and seek to offer enhanced lifestyles.
Taking the advisory relationship with my clients to heart, my clients rely on me to provide guidance via goals-based planning, pre- and post-retirement planning, financial navigation through life transitions (divorce, death, and business transition), balancing business and personal goals for business owners, and philanthropic planning. I enjoy incorporating all family members in the planning process to help ensure financial understanding and spark enthusiasm in younger members to invest for their future.
Having grown up in the Puget Sound area of Washington, I have lived in Montana since 1984. In my spare time, I love travel, wine, and cooking. I am blessed with a wonderful family and friends and enjoy being active in my community. I am a member of the Bozeman Area Community Foundation's Women Who Wine giving circle, a staunch supporter (and fan) of the Bozeman Symphony as well as a number of local non-profits.
Disclosures:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Taking the advisory relationship with my clients to heart, my clients rely on me to provide guidance via goals-based planning, pre- and post-retirement planning, financial navigation through life transitions (divorce, death, and business transition), balancing business and personal goals for business owners, and philanthropic planning. I enjoy incorporating all family members in the planning process to help ensure financial understanding and spark enthusiasm in younger members to invest for their future.
Having grown up in the Puget Sound area of Washington, I have lived in Montana since 1984. In my spare time, I love travel, wine, and cooking. I am blessed with a wonderful family and friends and enjoy being active in my community. I am a member of the Bozeman Area Community Foundation's Women Who Wine giving circle, a staunch supporter (and fan) of the Bozeman Symphony as well as a number of local non-profits.
Disclosures:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: CA, UT, SC, AL, WA, TN, SD, NC, MT, MO, ME, IL, ID, HI, DC, WV, VT, VA, MD, MA, GA, OR, OH, WI, NV, ND, FL, NY, NH, AZ, TX, MI, IA, CT, IN, NM, AK, KS, NJ, PA, CO, AR, OK, MN, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1842860
NMLS#: 1842860
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Helping You Achieve All Your Goals
Using a holistic approach, we’ll sit down together to do a deep-dive. We’ll take inventory of your current assets, your family and career, your goals, values and risk tolerance, and together we’ll formulate a plan to help put you on track to achieving your goals.
Please call or email me to set up a meeting. I welcome the opportunity to learn more about you and explore whether I might be the right fit for you and your financial planning needs.
You should connect with me if:
Please call or email me to set up a meeting. I welcome the opportunity to learn more about you and explore whether I might be the right fit for you and your financial planning needs.
You should connect with me if:
You are a person who wants to take control of their finances via a partnership of guidance and education to define your goals, begin steps to attain them, and become the "boss" of your personal portfolio.
You are a business owner/entrepreneur in need of a retirement plan for your business or find yourself in a position where you need financial guidance to balance your business and personal goals.
You need a partner to help navigate your finances through a life transition such as divorce, death, or inheriting a business.
You are a pre-retiree or retiree who wants to take stock of your assets, and get a full picture of what you have and what you still need to retire in style.
You are passionate about your philanthropic interests and wish to set up a plan to put your net worth to work leaving a legacy to the non-profit causes you care deeply about.
A Look Into The Markets
The following resources are meant to transform complex financial analysis into concise and easily digestible content. I hope you find the following information helpful.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read The Latest Report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology, and beyond.
Check Out The Latest Episode
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Total Tax 365
Looking for tax advice? Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Total Tax 365
Retirement Planning
Planning for retirement? Whether you're saving for retirement, transitioning into retirement, or living in retirement, visit the link below to discover strategies to help keep your plan on track.
Develop Your Retirement RoadmapProtecting Your Online Security
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to help protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to help protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Cybersecurity Best Practices
- Safeguarding your personal information is one of our highest priorities. While the frequency of working from home and the use of technology in your everyday life has increased, now is more important a time than ever to ensure you are taking the right steps to protect your information. Visit Morgan Stanley's Security Center site below for articles, tools, and resources for you to get up to speed on the latest in cyber awareness and to help navigate the everchanging cybersecurity landscape.
Security Features and Proactive Defense
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
- Automatic Session Time Out
- VoiceID
- Fraud Detection and Prevention
- Digital Tools
- Cybersecurity Fusion Centers
- Threat Landscape Monitoring
- Employee Training and Testing
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) gives users the view of their account balance and activity, and also encompasses a suite of features that allow you to manage your everyday finances. From paying bills and sending money to transferring funds and authorizing transactions.
Access Morgan Stanley Online
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Total Wealth Tool
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents. From wills and deeds to financial statements and tax fillings, easily manage your encrypted financial records all in one place.
Access the Digital Vault through MSO
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it to your mobile device and use your Morgan Stanley Online username and password to log in for MSO resources on the go.
Discover more with our mobile app
Spending and Budgeting Tool
One way to manage savings and see where your dollars are going is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Learn more about the tool
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that awards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedLocation
2200 West Main St
Bozeman, MT 59718
US
Direct:
(406) 522-2046(406) 522-2046
Toll-Free:
(800) 423-6206(800) 423-6206
Fax:
(406) 586-8694(406) 586-8694
Meet My Team
Kyler Barney
Registered Client Service Associate
Phone:
(406) 522-2053(406) 522-2053
About Mary Howard
I am a First Vice President, Financial Advisor, Senior Portfolio Manager and Chartered Retirement Planning Counselor® at the Morgan Stanley branch in Bozeman, Montana. I have over twenty-seven years in the financial industry, as well as my Series 7, Series 66, and insurance licenses. After beginning my career as part of a high producing team at another firm, I joined Morgan Stanley in 2009, where I have since earned my designation as a Senior Portfolio Manager. Morgan Stanley offers cutting-edge resources for wealth planning, research and digital tools. I utilize this tremendous opportunity to put these features to work for my clients to help build robust portfolios, promote financial literacy, prioritize world-class service, and seek to offer enhanced lifestyles.
Taking the advisory relationship with my clients to heart, my clients rely on me to provide guidance via goals-based planning, pre- and post-retirement planning, financial navigation through life transitions (divorce, death, and business transition), balancing business and personal goals for business owners, and philanthropic planning. I enjoy incorporating all family members in the planning process to help ensure financial understanding and spark enthusiasm in younger members to invest for their future.
Having grown up in the Puget Sound area of Washington, I have lived in Montana since 1984. In my spare time, I love travel, wine, and cooking. I am blessed with a wonderful family and friends and enjoy being active in my community. I am a member of the Bozeman Area Community Foundation's Women Who Wine giving circle, a staunch supporter (and fan) of the Bozeman Symphony as well as a number of local non-profits.
Disclosures:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Taking the advisory relationship with my clients to heart, my clients rely on me to provide guidance via goals-based planning, pre- and post-retirement planning, financial navigation through life transitions (divorce, death, and business transition), balancing business and personal goals for business owners, and philanthropic planning. I enjoy incorporating all family members in the planning process to help ensure financial understanding and spark enthusiasm in younger members to invest for their future.
Having grown up in the Puget Sound area of Washington, I have lived in Montana since 1984. In my spare time, I love travel, wine, and cooking. I am blessed with a wonderful family and friends and enjoy being active in my community. I am a member of the Bozeman Area Community Foundation's Women Who Wine giving circle, a staunch supporter (and fan) of the Bozeman Symphony as well as a number of local non-profits.
Disclosures:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: CA, UT, SC, AL, WA, TN, SD, NC, MT, MO, ME, IL, ID, HI, DC, WV, VT, VA, MD, MA, GA, OR, OH, WI, NV, ND, FL, NY, NH, AZ, TX, MI, IA, CT, IN, NM, AK, KS, NJ, PA, CO, AR, OK, MN, DE; General Securities Representative; Investment Advisor Representative
About Kyler Barney
Kyler makes it his mission to develop close relationships with our clients and strives to help ensure that they receive the highest quality service. He is a registered associate holding Series 7 and 66 licenses aimed to help deepen his value to our clients and the team. Kyler has quickly become our indispensable backbone!
Kyler is a Montana native and graduated from Montana State University having studied computer science before receiving a degree in aviation. Aside of his accomplishments at Morgan Stanley, he’s acquired his private, instrument and multi-commercial air pilot ratings. Kyler and his wife have a 1-year-old son, and in addition, they are proud parents to two miniature dachshunds named Beasley and Gidget.
Kyler is a Montana native and graduated from Montana State University having studied computer science before receiving a degree in aviation. Aside of his accomplishments at Morgan Stanley, he’s acquired his private, instrument and multi-commercial air pilot ratings. Kyler and his wife have a 1-year-old son, and in addition, they are proud parents to two miniature dachshunds named Beasley and Gidget.
Wealth Management
From My Desk
Estate Planning Essentials: 7 Key Steps
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
A Simple Six-Step Retirement Checkup
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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
Why Having a Goal Is Key to Investing
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Ready to start a conversation? Contact Mary Howard today.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
5Products 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.
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.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
7Morgan 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
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
5Products 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.
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.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
7Morgan 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
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
