Welcome

Meaningful financial planning begins with understanding your priorities and coordinating the retirement, investment, workplace, and legacy decisions that support them. Since joining Morgan Stanley in 1999, I have helped clients evaluate complex financial decisions through a planning process designed to adapt as their needs evolve. My interest in finance began in Northern Virginia, where helping establish a student-run bank sparked an early interest in financial planning and investing. After earning a Bachelor of Science in Finance from George Mason University, I joined Morgan Stanley in 1999 and have spent more than two decades helping individuals, families, and business owners navigate complex financial decisions with clarity and confidence.

I use a goals-based planning process to help clients define priorities, coordinate financial strategies, and adjust their plans as careers, families, and retirement needs change. I work with clients across key financial stages, including wealth accumulation, retirement planning, income and distribution planning, workplace benefits, and multi-generational wealth transfer.

Education
BS - Finance, 2000

Licensing
Series 7, 31 & 66 Licensed Life & Health Insurance Licensed

Experience
1999 - Present: Morgan Stanley*

Named to 2024 Barron's Top 250 Private Wealth Management Teams

Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.

Services Include
Securities Agent: KY, CA, WY, VT, NV, NM, NH, MD, IL, HI, DE, AZ, NC, MI, CT, CO, WV, UT, PA, OR, NY, NJ, MA, TX, RI, MT, AL, WA, OH, MN, ME, FL, VA, SC, GA, IN, TN, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288315
CA Insurance License #: 0K52556
AR Insurance License #: 0009024587
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

401(k) Plan Support for Employers: Evaluation, Investments, and Ongoing Support

Step 1: Plan Evaluation & Needs Analysis

We help employers evaluate whether their retirement plan design, provider, investments, and participant resources remain aligned with business goals and employee needs. Together, we will review:

  • Your business background and plan goals (including why the plan was established and what success looks like for your organization)
  • Your current retirement plan design and objectives
  • Employee demographics and participant behavior (participation, deferral rates, and how employees are investing)
  • Plan benchmarking against comparable plans in the marketplace so you can assess whether fees are competitive and whether you're receiving strong value for the cost
  • Provider and service capabilities through periodic reviews, including considerations such as recordkeeping and administration, participant communications and education resources, investment flexibility and many more.

This helps determine whether your current provider remains the best fit—or whether exploring alternatives could better support your plan.

Step 2: Investment Support & Participant Education

Selecting an appropriate menu of investment options is a key component of an effective retirement plan. We help you build and maintain an investment lineup that aligns with your plan's objectives and any applicable investment policy statement (IPS). This includes:

  • General investment education for you and your participants, such as diversification, risk, asset allocation, and historical performance (for educational purposes)
  • Investment option selection support, including identifying multiple choices within each asset class from the provider's available fund universe that are consistent with the plan's IPS
  • Section 404(c) support considerations, including helping you evaluate whether plan investment structure and participant materials are positioned to support ERISA 404(c) compliance requirements

Ongoing Monitoring & Plan Maintenance

Ongoing monitoring is essential to keeping your plan aligned with its goals over time. We support plan oversight by:

  • Reviewing periodic reports to help you monitor investment options and plan trends
  • Conducting searches for replacements when an investment option no longer aligns with the plan's IPS or objectives
  • Providing ongoing education and research to promote informed and prudent decision-making

Day-to-Day Support for Plan Sponsors

While plan oversight is important, it's only one part of running a business. As your Financial Advisor team, we can also help you:

  • Address common operational questions and issues that arise with routine plan activity
  • Support documentation practices designed to help demonstrate alignment with ERISA-related standards
  • Help employees understand plan features and make informed elections
  • Provide basic retirement planning education to improve participation and retirement readiness

Tax laws are complex and subject to change. 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 and are not "fiduciaries" (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

Building Wealth That Lasts for Generations

Multi-generational wealth planning focuses on preparing your family not just financially, but educationally and emotionally, for the future. From teaching financial literacy to estate planning strategies, tax-efficient gifting strategies and wealth transfer planning requires thoughtful preparation at every stage of life.

We help families coordinate wealth planning, financial education, estate planning strategies, and wealth transfer so future generations are better prepared to make informed financial decisions.

This approach to multi-generational wealth planning helps families prepare heirs, manage potential tax impact, and align financial decisions with long-term legacy goals.
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    Family Financial Literacy & Preparing the Next Generation
    Financial literacy is one of the most important gifts you can pass to the next generation. Teaching children and young adults how money works, from saving and investing to budgeting and responsible spending, builds confidence and lifelong skills.

    We provide resources to help families introduce financial concepts in age-appropriate ways, making money conversations more natural and productive over time.

    Financial education is often one of the most effective ways families prepare the next generation to manage inherited wealth responsibly.
    Financial Literacy Resources
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    Gifting Considerations for Wealth Transfer & Estate Planning
    Thoughtful gifting strategies may help families transfer wealth during their lifetime while supporting broader estate planning and legacy objectives. However, gifting decisions should align with your overall financial plan and long-term legacy goals.

    We help families evaluate when and how to gift assets, taking into consideration tax rules, timing, and the financial readiness of recipients.

    Strategic gifting may help reduce estate tax exposure while allowing families to witness the positive impact of their wealth during their lifetime.
    Learn What to Consider When Gifting Assets
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    Estate Planning
    Estate planning can be an emotionally and financially complex task, but a well-informed plan can make a big difference for your loved ones. Don't wait until it is too late. Learn more and explore other estate planning video insights from Morgan Stanley.
    Wealth and Estate Planning Series
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    Thoughts On the Market
    With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
    Listen to the latest episode
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    Creating a Financial Plan
    Managing your finances is about more than managing your investments. We can support you in many aspects of your financial life – including budgeting, cash management, retirement planning and other financial goals.
    Learn more about goals-based planning
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    Education Planning Center: 529 Plans and More
    With education costs rising, paying for college has become a major life expense that requires smart planning. 529 plans are flexible, tax-advantaged investment accounts that help you pay for your family’s education. They offer tax-free growth and withdrawal potential, estate tax benefits and a high degree of control and versatility for the account owner. Learn more about how a 529 plan can help you fund educational needs as part of your holistic goals-based wealth plan.
    Learn more here
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    Morgan Stanley Security Center
    With cybersecurity becoming increasingly important as technology advances, explore some resources from the Morgan Stanley Security Center to keep yourself protected.
    Security Center
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    Financial Literacy for Any Stage of Your Life
    Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
    Financial literacy resources
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    Tax Management Services
    Reducing the current tax liabilities on your investments can help enhance your overall returns. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax efficient portfolio management to help meet your unique financial goals.
    Learn more
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
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    Secure Email
    At Morgan Stanley, safeguarding your personal information is among our highest priorities. Our Secure Email tool is a safe way for you to exchange messages and documents containing sensitive information.
    Secure Email & Protecting Yourself
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    Morgan Stanley Online & MSMobile
    Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
    Morgan Stanley Online
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    eAuthorization
    eAuthorization (eAuth) allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
    eAuthorization
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    Digital Vault
    The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
    Digital Vault

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

333 John Carlyle St
Suite 650
Alexandria, VA 22314
US
Direct:
(703) 837-6905(703) 837-6905
Toll-Free:
(800) 336-5405(800) 336-5405
Fax:
(703) 683-5940(703) 683-5940

Meet My Team

Photo of Andy Rieger, CRPS®

Andy Rieger, CRPS®

Executive Director, Financial Advisor, Financial Planning Specialist, Insurance Planning Director, Senior Portfolio Management Director, Corporate Retirement Director, Workplace Advisor - Equity Compensation, Financial Wellness Director
Phone:
(703) 739-3694(703) 739-3694
Photo of Josh Blackman

Josh Blackman

Registered Client Service Associate, Financial Planning Specialist
Phone:
(703) 739-3697(703) 739-3697
Photo of Grace Jamabo

Grace Jamabo

Client Service Associate
Phone:
(703) 837-6907(703) 837-6907
Photo of Taniesha Harrison

Taniesha Harrison

Client Service Associate
Phone:
(703) 739-3679(703) 739-3679

About Andy Rieger, CRPS®

Born in 1972 in Santa Clara, CA while my parents were getting their PHD’s at Stanford, my family relocated back to the Washington DC area in 1974 and we have lived here since. I attended Walt Whitman HS in Bethesda, MD graduating in 1990 and attended Penn State University where I played ice hockey and was a member of Sigma Pi fraternity. I am a Semester at Sea alum of the spring 1993 voyage through the University of Pittsburgh and graduated Penn State in 1994 with a Bachelor of Science in Marketing from the Smeal College of Business.

Right after college I was an assistant buyer for The May Company’s buying for all the Hecht’s stores in the area prior to starting my career with Smith Barney in 1995. In 2009 Smith Barney and Morgan Stanley merged forming one of the largest and greatest financial institutions in the world.

Security Licenses include: Series 7, 63, 65, 31, Life, Health and Annuities and my financial planning specialist designation. Named to the Forbes Best-In-State Wealth Advisors Ranking list in 2021 and 2022.

I have 3 children, Gavin (2005), Colin (2008) and Ashlyn (2011) and Kelley and I live in Oak Hill, VA.

2021-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

Securities Agent: MO, OK, WA, VI, TN, DE, KY, ME, NC, WV, VT, VA, UT, TX, SC, PA, OR, OH, NY, NV, NM, NJ, NH, ND, MT, MN, MI, MD, MA, LA, KS, IN, IL, ID, HI, GA, FL, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1252948
Securities Agent: IL, SC, WA, PA, NY, TN, VI, UT, RI, NM, DE, DC, OH, KY, GA, CO, CA, MN, FL, AL, NV, MA, AZ, TX, NH, MT, ME, CT, WY, VT, VA, OR, WV, MI, MD, LA, IN, HI, NJ, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
CA Insurance License #: 0C00140

About Danny Riley

I grew up in Alexandria, VA and graduated from Virginia Tech with a Bachelor’s Degree in finance. I have been in the financial services industry ever since graduation starting as a Financial Advising Specialist at Ameriprise Financial before moving over to Morgan Stanley in 2019.

Over the last two years working at Morgan Stanley as a Wealth Advisor Associate I have helped clients develop comprehensive financial plans. My role as a Financial Advisor with The Alexandria Group is to help families define their financial goals, plan tax-efficient strategies that are optimal for those goals, and help them to implement these strategies to meet the objectives we have set in place. I know over time my clients’ goals and situations may grow and change, and I want to be there to help guide them through these changes and help to implement new strategies to meet their new objectives.

In my spare time I like to travel for golf, hiking, and snowboarding.


Securities Agent: KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, KY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1918447
Securities Agent: MT, KY, DC, CT, CA, PA, OH, NM, NJ, ME, HI, VA, NC, WY, IL, CO, WV, VT, TX, NY, ND, IN, GA, DE, AL, NV, NH, MO, UT, SC, MD, MI, FL, WA, TN, RI, MN, MA, AZ, OR; General Securities Representative; Investment Advisor Representative
AR Insurance License #: 20134089

About Josh Blackman

I was born in White Plains, NY before moving to the Washington, DC area when I was 3. I was raised in Potomac, MD and graduated from Winston Churchill High School in 2012. I then attended the University of Maryland and have resided in Bethesda, MD ever since.

Since joining Morgan Stanley in January of 2023, my role has allowed me to work with my colleagues to provide a strong client experience. I take pride in my familiarity with our systems and the relationships I have helped foster. My security licenses include Series 7, 66, Life and Health Insurance, and my financial planning specialist designation.

Outside of work I enjoy traveling, spending time with friends, and rooting for all of the Philadelphia sports teams.

About Grace Jamabo

I recently relocated to the Alexandria area from Rhode Island, bringing nine years of experience in the financial services industry, with a focus on client relationship management.

I’m passionate about delivering exceptional client experiences and enjoy approaching challenges with empathy, precision, and an analytical mindset – something I credit to my background in biological sciences from the University of Rhode Island.

Outside of work, I enjoy exploring my new city, spending time with family, travelling, listening to music, and proudly cheering on the Patriots. Go Pats!

I’m excited to be a part of the Alexandria Group and look forward to serving you.
Wealth Management
Global Investment Office

Portfolio Insights

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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

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
Learn More about Retirement
A Simple Six-Step Retirement Checkup
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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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
Learn More about Investing
Iran Conflict: Seven Takeaways for Investors
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Iran Conflict: Seven Takeaways for Investors

Prolonged conflict with Iran could lead to higher oil prices, hotter inflation and greater market uncertainty.

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
Learn More about Family
529 Plans: A Powerful Tool to Save for Education
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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
  • Reduce employee stress,
  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
Learn More about Financial Wellness
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
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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.

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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.

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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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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6Municipal 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.

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7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.

Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.

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8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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10When 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.

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11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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12When 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.

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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)