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
Six Keys to Creating an Emergency Fund

Six Keys to Creating an Emergency Fund

We all know we should have money set aside for emergencies. Here’s how to go about it.
Learn more about Six Keys to Creating an Emergency Fund
Plan for Higher Health Costs

Plan for Higher Health Costs

Know the steps to take today to limit your future costs of health care – especially in retirement.
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Should you Share a Bank Account?

Should you Share a Bank Account?

If you share a home, should you also share a bank account? Learn how the Yours, Mine and Ours approach can work for you
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Study Links Good Financial Habits to Achieving Happiness

Study Links Good Financial Habits to Achieving Happiness

Morgan Stanley's Investor Pulse poll highlights that while most investors hold an optimistic outlook - worries about their financial futures remain.
Learn more about Study Links Good Financial Habits to Achieving Happiness
Study Links Good Financial Habits to Achieving Happiness

Study Links Good Financial Habits to Achieving Happiness

Morgan Stanley's Investor Pulse poll highlights that while most investors hold an optimistic outlook - worries about their financial futures remain.
Learn more about Study Links Good Financial Habits to Achieving Happiness
You've Been Named an Executor of a Parent's Will. Now What?

You've Been Named an 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.
Learn more about You've Been Named an Executor of a Parent's Will. Now What?
Ways to improve your cybersecurity

Ways to improve your cybersecurity

As the threat of cybercrime intensifies, know the basic steps to safeguard your data and assets.
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Ways to improve your cybersecurity

Ways to improve your cybersecurity

As the threat of cybercrime intensifies, know the basic steps to safeguard your data and assets.
Learn more about Ways to improve your cybersecurity
Managing the Family Enterprise

Managing the Family Enterprise

Whether you consider family enterprise a financial asset or a part of your personal legacy, this guide offers and approach to achieving continuity and managing conflict regarding your family undertakings.
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Health Insurance Basics for Millennials and Their Parents

Health Insurance Basics for Millennials and Their Parents

Whether you are facing a potential change in health care coverage due to age or employment status, or supporting an adult child in securing health insurance, knowing your options is crucial.
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A Parents Guide to Money Conversations

A Parents Guide to Money Conversations

Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.
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How to Teach Your Kids About Money

How to Teach Your Kids About Money

It’s best to start teaching your kids young. Read our tips to help your family.
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Six Keys to Creating an Emergency Fund

Six Keys to Creating an Emergency Fund

We all know we should have money set aside for emergencies. Here’s how to go about it.
Learn more about Six Keys to Creating an Emergency Fund
5 Tips for Talking to Your Kids About Money

5 Tips for Talking to Your Kids About Money

Effective discussions about wealth and values can help families optimize their capital to reach their goals.
Learn more about 5 Tips for Talking to Your Kids About Money

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.
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 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.

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 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

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.

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