Tanisha Farmer
Vice President, Group Director
Phone:
(248) 258-6146(248) 258-6146
Nicole Moten, CFP®
Senior Vice President, Wealth Management,
Financial Advisor,
Workplace Advisor - Equity Compensation
Direct:
(248) 430-2512(248) 430-2512
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
My Story and Services
As Senior Vice President of The Birmingham Wealth Management Group, Nicole R. Moten shares the role of managing client relationships. Nicole draws on her 25+ years’ experience as a former Senior Private Banker and Wealth Advisor, where she provided customized and creative modern banking solutions tailored to help meet the unique needs of each of her clients. This included a spectrum of cash management services and structuring credit services for commercial real estate and exceptional residential properties, including jumbo mortgages, lines of credit, life insurance premium finance, aircraft and other specialty financing.
Nicole earned her Bachelor of Arts in Economics and Political Science along with a certificate of business administration from the University of Detroit-Mercy. She spent nearly two decades at JPMorgan Private Bank and then joined Wells Fargo Private Bank before obtaining her MBA from Walsh College. She earned her CERTIFIED FINANCIAL PLANNER® designation in 2008.
As a CERTIFIED FINANCIAL PLANNER®, Nicole focuses on helping clients align their finances with their goals and values, improve financial decision making and behavior, and find contentment through a tailored financial planning process. This planning not only sets the stage for portfolio construction but also ongoing management of the client-advisor relationship. She prides herself on her follow-up skills and inclusion of multigenerational planning with families.
Nicole currently serves on the executive board of directors for Leaps & Bounds Family Services, Inc., a nonprofit dedicated to supporting early childhood educators and parents who seek to provide the highest quality of care for children at risk or living in poverty. Nicole enjoys spending her free time with her daughter, friends and other family. When she’s not on her Peloton or traveling to warmer weather, she is relaxing at home with her husband, Phillip, and two pups, Roc and Rylie (Rye), in Rochester Hills.
Nicole earned her Bachelor of Arts in Economics and Political Science along with a certificate of business administration from the University of Detroit-Mercy. She spent nearly two decades at JPMorgan Private Bank and then joined Wells Fargo Private Bank before obtaining her MBA from Walsh College. She earned her CERTIFIED FINANCIAL PLANNER® designation in 2008.
As a CERTIFIED FINANCIAL PLANNER®, Nicole focuses on helping clients align their finances with their goals and values, improve financial decision making and behavior, and find contentment through a tailored financial planning process. This planning not only sets the stage for portfolio construction but also ongoing management of the client-advisor relationship. She prides herself on her follow-up skills and inclusion of multigenerational planning with families.
Nicole currently serves on the executive board of directors for Leaps & Bounds Family Services, Inc., a nonprofit dedicated to supporting early childhood educators and parents who seek to provide the highest quality of care for children at risk or living in poverty. Nicole enjoys spending her free time with her daughter, friends and other family. When she’s not on her Peloton or traveling to warmer weather, she is relaxing at home with her husband, Phillip, and two pups, Roc and Rylie (Rye), in Rochester Hills.
Services Include
- Wealth ManagementFootnote1
- Wealth PlanningFootnote2
- Business Succession PlanningFootnote3
- Retirement PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Planning for Individuals with Special Needs and their Families
- Executive Financial ServicesFootnote6
- Trust AccountsFootnote7
- Endowments and FoundationsFootnote8
- Life InsuranceFootnote9
- Long-term Care InsuranceFootnote10
- Cash Management and Lending ProductsFootnote11
- Certificates of DepositFootnote12
- Professional Portfolio ManagementFootnote13
- Alternative InvestmentsFootnote14
- Structured ProductsFootnote15
- 529 PlansFootnote16
- Philanthropic ManagementFootnote17
- Donor Advised Funds
Securities Agent: PA, OR, NY, NV, MT, DE, CA, MO, MI, IN, OH, NH, ID, GA, VT, NC, IL, WY, VA, AZ, TX, SC, NJ, FL, WI, MN, MA, CO, WA, UT, TN, CT, AL, ME, KS, MD, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 821766
NMLS#: 821766
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Team
We have a team of seasoned professionals to help you with your goals. We believe that working as a team not only provides you with access to a broad array of solutions, but it also helps to ensure that you will benefit from the highest levels of service. While each of our Group members offers unique perspectives and complementary skills, we also share a commitment to responding to your investment needs promptly, professionally, and thoroughly. Our goal is to earn your confidence not only through the quality of investment solutions we present to you, but also through the excellence with which we deliver them.
ADVISORS
Tabb Wile, Managing Director, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director, Lending Specialist, Workplace Advisor - Equity Compensation
John Bueno, Senior Vice President, Wealth Management, Financial Advisor
John Raetz, Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Richard Gorman CFA®, Vice President, Financial Advisor, Workplace Advisor - Equity Compensation, Senior Portfolio Manager
David Clark CFP®, Senior Vice President, Financial Advisor, Family Wealth Director, Workplace Advisor - Equity Compensation, Lending Specialist
Olaf Kroneman, CRPS®, Vice President, Financial Advisor, Chartered Retirement Plans Specialist™, Workplace Advisor - Equity Compensation
Nicole Moten, CFP®, Senior Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
David Runyon, Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation, Alternative Investments Director, Senior Investment Management Consultant, Senior Portfolio Management Director
Ginny Wisely, CFP®, Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
SUPPORT TEAM
Amber Atkins, Director of Business Strategy
Tanisha Farmer, Vice President, Group Director
Kimberly Kaufman, Client Relationship Analyst
Dana DiVergilio, Assistant Vice President, Wealth Management Associate
Jasmine Patel, Registered Client Client Relationship Analyst
Location
34901 Woodward Ave
Ste 300
Birmingham, MI 48009
US
Direct:
(248) 430-2512(248) 430-2512
Meet My Team
Dana DiVergilio
Assistant Vice President, Wealth Management Associate
Phone:
(248) 593-7543(248) 593-7543
Jasmine Patel
Registered Client Relationship Analyst
Phone:
(248) 988-2381(248) 988-2381
Kimberly Kaufman
Client Service Associate
Phone:
(248) 258-0507(248) 258-0507
Julian Bueno, CIMA®
Registered Client Relationship Analyst
Phone:
(248) 430-2503(248) 430-2503
About Tanisha Farmer
As Group Director, Tanisha Farmer is responsible for quality control and service management. She leads all aspects of the team’s client servicing activities and also focuses on client business development. Tanisha’s previous experience as a Registered Service Associate and a Business Service Manager makes her a valuable resource for resolving complex client issues. She identifies opportunities for process improvements to ensure clients have a consistent and exceptional service experience. Tanisha also works with the team to explore how they can leverage the Morgan Stanley platform to meet the sophisticated needs of our dynamic clientele. Tanisha graduated from Illinois State University with a B.S. in Finance. She started her career at Bank One in Illinois and joined Morgan Stanley in May 2006. She holds Series, 7, 9, 10, 63 and 65 securities licenses. Tanisha resides in Canton with her husband and daughter.
About Dana DiVergilio
As Wealth Management Associate, Dana DiVergilio is responsible for building strong relationships with new and existing clients. She provides assistance with opening accounts, facilitating transfers, client annual review preparation and a broad range of daily operational duties. Dana has been in the financial service industry since 1997. She joined The Birmingham Wealth Management Group in 2017. Her educational background includes a Bachelors of Science degree from Adrian College with a major in psychology and minor in chemistry. Dana also holds the FINRA Series 7, Series 66, and Life and Health Insurance Licenses. She has a passion for connecting with others both in her personal and professional life. Dana has spent time volunteering at the Make-a-Wish Foundation, as well as The Leader Dogs for the Blind. She has also studied animal-assisted therapy. In her spare time, she enjoys spending time with her family, friends, and dog, Louie.
About Jasmine Patel
Jasmine Patel joined Morgan Stanley in January 2023. As a Registered Client Relationship Analyst Jasmine is responsible for managing the day-to-day operational needs of our clients. She provides assistance with opening accounts, facilitating transfers, servicing client investment needs and providing guidance on Morgan Stanley’s menu of digital tools. She is a proud fourth generation Purdue grad and a Boilermaker at heart. Her most recent accomplishment is completing a Master’s of Accounting and Finance from the University of Maryland. She is knowledgeable in tax management and estate planning strategies for individuals and businesses along with financial analyses and capital markets. She holds the FINRA series 7 and 66 securities licenses. In her spare time, she loves to travel and enjoys the great outdoors.
Disclosures
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. 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.
Disclosures
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. 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.
About Kimberly Kaufman
Kim joined Morgan Stanley in June 2024 as a Client Service Associate. Kim spent over 10 years in banking and finance and studied at Macomb Community College and continued her studies at Central Michigan University. While at Central she had the opportunity to do an internship at Walt Disney World and now visits the park every year! She is customer focused and has a passion for helping people. In her spare time, Kim likes to spend time outdoors with family, friends, and animals. She also likes being in the kitchen creating new dishes to share.
About Julian Bueno
Julian earned his B.A. from Eastern Michigan University with a double major in international business and marketing. He then went on to earn an MBA and MSM from Walsh College School of Business. In addition, he received his series 7, 66, variable and insurance licenses. His comprehensive education gives him the ability to think analytically and effectively communicate with clients. Away from the office, he loves spending time with his wife and 3 girls. He is an enthusiastic Detroit Lions fan, enjoys doing home renovations, watching soccer, football, playing golf and exercising.
*This role cannot solicit or provide investment advice.
*This role cannot solicit or provide investment advice.
Wealth Management
Global Investment Office
Portfolio Insights
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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
Iran Conflict: Seven Takeaways for Investors
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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
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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
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.
Ready to start a conversation? Contact Nicole Moten today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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
12Investors 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.
13Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
14Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
15Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
16Investors 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.
17Products 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.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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
12Investors 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.
13Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
14Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
15Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
16Investors 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.
17Products 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
