John McLaughlin
Executive Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(904) 543-7801(904) 543-7801
NorthStar Wealth Management Group at Morgan Stanley
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
About Us
NorthStar Group at Morgan Stanley is a team of dedicated financial professionals who combine different skills and experience to help high net worth families and individuals address the complex financial challenges and achieve confidence in a secure financial future. Our backgrounds include former CPAs, a former tax and estate planning attorney, investment management, private real estate investments, and small business consulting. This allows NorthStar Group to develop investment strategies, risk mitigation, wealth preservation strategies, liability reorganization, and trust and estate planning strategies that help meet our clients' goals. Combining our own extensive experience with Morgan Stanley's deep global resources and open platform, NorthStar Group is positioned to help you create and implement truly comprehensive wealth management plans based on your precise objectives. Our personalized process starts with getting to know you, your family's challenges and aspirations, and presenting meaningful solutions to managing the issues that significant wealth can create. As our name implies, we strive to be our clients guiding star helping navigate them to financial success.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
50 A1A North
Ste 112
Ponte Vedra Beach, FL 32082
US
Direct:
(904) 273-7597(904) 273-7597
Meet NorthStar Wealth Management Group
Christian Douglas
Senior Vice President, Financial Advisor
Phone:
(904) 273-7562(904) 273-7562
Frank J. Yong
First Vice President, Financial Advisor, Family Wealth Director
Phone:
(904) 543-7813(904) 543-7813
Melissa Duke
Vice President, Financial Advisor
Phone:
(904) 273-7597(904) 273-7597
Phone:
(904) 543-6939(904) 543-6939
Phone:
(904) 543-7836(904) 543-7836
Rochelle Bullen
Portfolio Associate
Phone:
(904) 273-7564(904) 273-7564
Nick Petriello, CFA
Wealth Management Analyst
Phone:
(904) 273-7596(904) 273-7596
Meghan Miller
Registered Client Service Associate
Phone:
(904) 273-7573(904) 273-7573
Racquel Domingo
Wealth Management Associate
Phone:
(904) 543-7807(904) 543-7807
About John McLaughlin
John McLaughlin is the senior member of the NorthStar Group at Morgan Stanley based in Ponte Vedra Beach, Florida. John and his team focus on helping high net worth individuals with all facets of their life including asset management, financial and estate planning , liability review and risk management. John’s team, which includes a former CPA and Tax Attorney, helps clients identify major financial issues and helps clients work through the most appropriate solutions to address these concerns for their families. The NorthStar Group process begins with a thorough understanding of their clients’ current situation and major life events and their impact. This includes a review of clients’ cash position, savings and long term investments, debt and liabilities, and insurance. John and his team then work with their clients to develop specific strategies for income, overall budgeting and lifetime goals. This strategy results with the team and the client developing a good picture of their current situation and creating a plan with specific solutions to help them accomplish their goals.
John has served on several non-profit boards and committees and done so in numerous capacities. John is currently the Vice Chair for the Catholic Foundation Jacksonville. Away from the office, John supports Catholic Charities and the Cultural Center at Ponte Vedra Beach. He also enjoys playing soccer, tennis, and golf and spending time with his wife, Ana, and their three children.
John has served on several non-profit boards and committees and done so in numerous capacities. John is currently the Vice Chair for the Catholic Foundation Jacksonville. Away from the office, John supports Catholic Charities and the Cultural Center at Ponte Vedra Beach. He also enjoys playing soccer, tennis, and golf and spending time with his wife, Ana, and their three children.
Securities Agent: AL, KY, MO, KS, IN, GA, NV, MD, IA, WV, UT, TX, TN, SC, PR, CA, WI, IL, CO, AR, WA, OR, MI, AZ, VT, VA, PA, NM, NH, MT, ME, DE, DC, ID, NJ, NE, NC, MS, CT, OH, LA, FL, NY, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1261837
NMLS#: 1261837
About Christian Douglas
Christian Douglas currently serves as Senior Vice President and Portfolio Manager, Morgan Stanley’s Wealth Management Group, responsible for implementing wealth management solutions and constructing investment portfolios across multi-disciplined asset classes. Prior to joining Morgan Stanley Christian worked as a financial analyst for a multi-family development company, working closely with the CEO on real-estate investment and development related activities. Christian has worked for a privately held family office responsible for management related activities of a privately held real-estate portfolio.
Christian graduated with honors from Jacksonville University with a BA in business administration and management and did post graduate study at UCLA Ziman Center for Real Estate with an emphasis on real-estate investment analysis and land-use economics. Christian is proficient in written and spoken Spanish. Christian is active in the Jacksonville community having served on the Romney for President Finance Committee, The Dreams Come True Horizon Board, Big Brothers program and served on the board member of The Association for Corporate Growth. Christian enjoys traveling, skiing, architecture, Jaguar football and spending time with family and friends. Christian is married with two daughters.
Christian graduated with honors from Jacksonville University with a BA in business administration and management and did post graduate study at UCLA Ziman Center for Real Estate with an emphasis on real-estate investment analysis and land-use economics. Christian is proficient in written and spoken Spanish. Christian is active in the Jacksonville community having served on the Romney for President Finance Committee, The Dreams Come True Horizon Board, Big Brothers program and served on the board member of The Association for Corporate Growth. Christian enjoys traveling, skiing, architecture, Jaguar football and spending time with family and friends. Christian is married with two daughters.
Securities Agent: NV, MI, ME, IN, GA, MT, VT, NH, AR, MO, OK, OH, NJ, NC, IA, FL, CT, AL, TX, SC, MD, UT, PR, KY, DE, VI, OR, MA, LA, CA, WI, PA, NY, CO, NM, MS, KS, AZ, WA, TN, DC, WV, NE, VA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1295618
NMLS#: 1295618
About Frank J. Yong
Frank J. Yong received his B.S.B.A. in accounting from the University of Central Florida magna cum laude. He earned a J.D. with honors and a L.L.M in taxation from the University of Florida, College of Law. Frank is also a C.P.A, (non-practicing) and prior to joining the team, practiced estate and law tax for 23 years. He is a member of the Ortega United Methodist Church, and was formerly on the Board of Directors of the Florida Cattlemen's Association Foundation. He enjoys cattle ranching, hunting, and golfing. Frank and his wife Vicky have two daughters.
Securities Agent: GA, FL, WV, OH, NC, DE, CT, AL, TN, NY, IL, WA, VT, TX, SC, PA, MT, MO, IN, AZ, OR, MS, MI, ME, MD, LA, KS, CA, NV, NM, IA, VA, NE, DC, WY, CO, NJ, MA, PR, AR, WI, UT, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1279195
NMLS#: 1279195
About Melissa Duke
With a passion for helping others, Melissa has built strong relationships with clients for more than 16 years. Beginning her career in the financial services industry in 2005, Melissa has valuable and varied experience that enables her to fulfill most account-related needs for our clients. With a back ground in practice management, Melissa is competent and reliable, helping with everything from small tasks to very complex issues. Melissa treats our clients concerns with sensitivity and respect, handling each client’s needs with grace, speed, and integrity.
Originally from New Mexico, she studied accounting at Eastern New Mexico University and was a valued member of their varsity volleyball team. She later went on to obtain her Series 7, 66, and Life and Health Insurance licenses. Her focus in the industry began with financial planning and later evolved into practice management with a love for marketing. She takes great pride in creating the “Red Carpet” experience for our clients. She has a key role in coordinating our client events and educational seminars. She also handles the distribution of communication and marketing material, manages our database, and organizes the office’s daily operations.
Recently relocated from Arizona, Melissa is happy to call Ponte Vedra her home. Outside of the office, she enjoys spending time with her husband and two boys, fishing, paddle boarding, and many other outdoor activities that Florida has to offer. Already active in the community, she finds time to participate at Gabriel’s House, Pine Castle, and volunteers at her sons’ schools.
NMLS # 1724236
Originally from New Mexico, she studied accounting at Eastern New Mexico University and was a valued member of their varsity volleyball team. She later went on to obtain her Series 7, 66, and Life and Health Insurance licenses. Her focus in the industry began with financial planning and later evolved into practice management with a love for marketing. She takes great pride in creating the “Red Carpet” experience for our clients. She has a key role in coordinating our client events and educational seminars. She also handles the distribution of communication and marketing material, manages our database, and organizes the office’s daily operations.
Recently relocated from Arizona, Melissa is happy to call Ponte Vedra her home. Outside of the office, she enjoys spending time with her husband and two boys, fishing, paddle boarding, and many other outdoor activities that Florida has to offer. Already active in the community, she finds time to participate at Gabriel’s House, Pine Castle, and volunteers at her sons’ schools.
NMLS # 1724236
Securities Agent: CO, AZ, WA, UT, PR, ME, FL, LA, CA, TX, SC, OR, MT, AR, NV, TN, NJ, MO, MD, IN, IL, AL, OH, MS, MA, NM, NE, DE, DC, VA, NY, GA, CT, WV, WI, VT, NH, NC, MI, PA, KY, KS, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1724236
NMLS#: 1724236
About Archie Jenkins
Archie joins the NorthStar Group at Morgan Stanley with 27 years industry experience. He concentrates on developing financial planning and strategies to assist high net worth clients in building, preserving and transferring wealth. He enjoys pooling his resources to ensure our clients have an updated family estate plan and the most efficient tax strategies possible. Archie takes great pride in maintaining his relationships and serving multigenerational clients. While Archie brings multiple layers of experience to the group, his passion lies within helping nonprofit entities achieve their financial goals.
Archie helped start Beaches Habitat, an affiliate of Habitat for Humanity International, in 1991. Since that time Beaches Habitat has built and renovated over 400 homes in our beach communities. He currently serves on the board of H.E.A.L> (Helping Enrich Autistic Lives) and Peace of Heart (a community for people living with autism). Archie is also a Deacon at The Church of Eleven22. He grew up in Jacksonville, Florida, graduated from the Bolles School and earned his B.S. from the University of Florida. He and wife, Micki are blessed with six children. In his spare time, you can find Archie boating, fishing, hunting, or surfing, always with his heart rolled up in his sleeve.
Archie helped start Beaches Habitat, an affiliate of Habitat for Humanity International, in 1991. Since that time Beaches Habitat has built and renovated over 400 homes in our beach communities. He currently serves on the board of H.E.A.L> (Helping Enrich Autistic Lives) and Peace of Heart (a community for people living with autism). Archie is also a Deacon at The Church of Eleven22. He grew up in Jacksonville, Florida, graduated from the Bolles School and earned his B.S. from the University of Florida. He and wife, Micki are blessed with six children. In his spare time, you can find Archie boating, fishing, hunting, or surfing, always with his heart rolled up in his sleeve.
Securities Agent: OK, DE, AZ, AR, NH, MO, VT, MT, AL, NM, KS, PR, NC, CT, CA, VA, TX, NV, MD, LA, KY, WV, UT, OR, MS, FL, SC, NE, MI, MA, DC, WI, OH, NY, ME, GA, CO, WA, NJ, IN, IL, TN, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 521043
NMLS#: 521043
About Doug Cochrane
After a distinguished career with the United States Navy where he served from 1985 until 2015, Doug joined Morgan Stanley in 2019 as a Financial Advisor. Prior to joining Morgan Stanley, he was with JP Morgan Chase. Doug graduated from Texas Christian University with a B.A. in Mathematics. He earned a Master of Science in Logistics Engineering and Transportation Systems Management at the Naval Postgraduate School. Doug has attained his Series 7 license. Doug’s attention to detail and client service make him another valuable member of our NorthStar team.
Doug lives in Ponte Vedra with his wife Anne. They are the proud parents of Shannon, Sean, Devin, and Erin. In his leisure time, Doug enjoys playing golf, fitness activities, and his vegetable garden.
Doug lives in Ponte Vedra with his wife Anne. They are the proud parents of Shannon, Sean, Devin, and Erin. In his leisure time, Doug enjoys playing golf, fitness activities, and his vegetable garden.
Securities Agent: LA, IL, RI, MT, AR, NE, MA, CA, MS, MI, MD, IA, WA, TX, ME, KS, IN, FL, CT, WI, SC, OH, NJ, MO, KY, AZ, AL, NC, WV, VA, PA, PR, NY, GA, DE, DC, CO, VI, OK, VT, UT, TN, OR, NV, NM, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1930345
NMLS#: 1930345
About Rochelle Bullen
A 28-year veteran of the industry, Rochelle’s extensive experience enables her to fulfill a vast array of service needs for our clients. She began in the margin department of Alex Brown before finding her passion in client service. From there, Rochelle moved to Smith Barney, and Janney Montgomery Scott before joining the NorthStar Group at Morgan Stanley in 2019. Rochelle holds the Series 7, 63, and 65 licenses and is Accredited Wealth Management Associate. Her vast background and kind demeanor are a crucial contribution to the NorthStar Group.
Originally from New York, Rochelle and her husband, Ken moved their family to Florida to escape the cold weather. Rochelle and Ken recently celebrated their 29th wedding anniversary and are looking forward to being a part of their new community. They are avid fitness enthusiasts, enjoy the cultural arts, and spending time with their son, who is a recent graduate from the University of Miami.
Originally from New York, Rochelle and her husband, Ken moved their family to Florida to escape the cold weather. Rochelle and Ken recently celebrated their 29th wedding anniversary and are looking forward to being a part of their new community. They are avid fitness enthusiasts, enjoy the cultural arts, and spending time with their son, who is a recent graduate from the University of Miami.
About Nick Petriello
Nick has over 13 years of experience in the financial services industry in areas such as investment analysis, client service, performance reporting, trading, and project management. He previously worked at companies such as Credit Suisse, Deutsche Bank, and Sawgrass Asset Management. His educational accomplishments include graduating Summa Cum Laude with a B.S. in Business Management from Stony Brook University, an M.B.A. from the University of North Florida, and earning a Chartered Financial Analyst (CFA) designation from The CFA Institute, of which he is a member of the local Jacksonville chapter.
Nick is originally from New York and has lived in the Jacksonville area for the last 10 years. In his free time he enjoys activities such as tennis, distance running, attending sporting events, and travelling. He currently lives in St. Augustine with his wife and two children.
Nick is originally from New York and has lived in the Jacksonville area for the last 10 years. In his free time he enjoys activities such as tennis, distance running, attending sporting events, and travelling. He currently lives in St. Augustine with his wife and two children.
About Meghan Miller
Meghan has worked in the client services industry for 25 years and brings a wealth of service and operational experience to the team. She has been a pillar of consistency who provides outstanding client service and takes true enjoyment from working with the team’s exceptional clientele. In her role with the NorthStar Group, she will implement the team’s client service model by streamlining client onboarding, operations and account maintenance. Meghan strives to uphold the team’s mission to provide exemplary wealth management service to affluent and ultra-high net worth families.
The lure of the beach and warm weather brought Meghan and her family to St. Johns in 2018 from Connecticut, where she and her husband Jim grew up and they raised their son
The lure of the beach and warm weather brought Meghan and her family to St. Johns in 2018 from Connecticut, where she and her husband Jim grew up and they raised their son
About Racquel Domingo
Racquel has been working in the financial industry since 1981. Over the years, she has developed skills and ways in providing excellent service to clients. Her main focus is client retention by making sure the administrative side of the business is running smoothly and client expectations are far exceeded.
She has worked form Merrill Lynch from 1981 thru March 2015 and with Morgan Stanley April 2015 to present time.
Promoted to "Wealth Management Associate' - 2025
Racquel graduated Cum Laude from National College of Business and Arts (Philippines) with a degree in B.S.B.A. major in Accounting. She is Series 7 and 66 licensed. She also carries Insurance licenses in Health, Life, Variable Annuities and Long-Term Healthcare.
She is very active in the Filipino American Community activities and spends most of her spare time with her granddaughter, Sophie.
She has worked form Merrill Lynch from 1981 thru March 2015 and with Morgan Stanley April 2015 to present time.
Promoted to "Wealth Management Associate' - 2025
Racquel graduated Cum Laude from National College of Business and Arts (Philippines) with a degree in B.S.B.A. major in Accounting. She is Series 7 and 66 licensed. She also carries Insurance licenses in Health, Life, Variable Annuities and Long-Term Healthcare.
She is very active in the Filipino American Community activities and spends most of her spare time with her granddaughter, Sophie.
Contact John McLaughlin
Contact Christian Douglas
Contact Frank J. Yong
Contact Melissa Duke
Contact Archie Jenkins
Contact Doug Cochrane
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Retirement
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1Morgan 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.
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.
3Alternative 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.
4Morgan 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.
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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
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.
3Alternative 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.
4Morgan 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.
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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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)
