O’Neal McGonigal Morley Group at Morgan Stanley
Direct:
(253) 593-5047(253) 593-5047
Toll-Free:
(800) 755-5720(800) 755-5720
Our Mission Statement
We develop authentic relationships that grow our clients financial confidence by engaging and guiding them through life’s chapters.
Welcome
At the O’Neal McGonigal Morley Group, helping you achieve financial success is our priority. We develop authentic relationships that grow our clients financial confidence by engaging and guiding them through life’s chapters. Together, let’s formulate a strategy to help you define and strive to meet your financial goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
Executing important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan, or devising a distribution approach that can meet your lifestyle and legacy goals. Our team has access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Executing important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan, or devising a distribution approach that can meet your lifestyle and legacy goals. Our team has access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- 401(k) Rollovers
- 529 PlansFootnote6
- Lending Products
- Qualified Retirement PlansFootnote7
- AnnuitiesFootnote8
- Cash Management and Lending ProductsFootnote9
- Cash ManagementFootnote10
- Endowments and FoundationsFootnote11
- LGBT+ Planning ServicesFootnote12
- Long-term Care InsuranceFootnote13
- Sustainable InvestingFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our wealth management approach focuses on you, your family and your career - where you are today and where you want to go. Working together, we develop the strategies to help you get there, navigating life's challenges and helping you make more informed decisions about your wealth.
1. Discover
Our relationship begins with a thorough understanding of you – your needs, lifestyle, family, risk tolerance and especially your goals for the future. What you want your wealth to do will dictate appropriate investments.
2. Create
Next we design a financial plan based on our understanding of you and current economic conditions. Our goal is to help guide you from where you are now, to where you want to be in the future.
3. Implement
Your custom investment allocation will have the attention of a disciplined portfolio manager. We manage your investments from right here in our office, watching the markets daily for changing risks and opportunities. Adjustments are made as needed based on market cycles and inevitable life changes.
4. Monitor
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards or away from your goals. Our ultimate mission is your financial success and well-being.
MONTHLY OUTLOOKS & UPDATES
View the resources below to stay informed about the latest market trends, outlooks, and breakdowns affecting the finance and business worlds.
Global Investment Committee on the Markets
A publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the most recent edition below.
Read: "GIC on the Markets"COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, we can help you achieve your goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, we will help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Personalized Portfolios
As a Portfolio Manager, we can use our discretion to identify an investment strategy tailored to meet your needs.
Comprehensive Communications
Throughout our relationship, you’ll have direct access to our team.
Client Focus
Each account can be individually customized to meet your requirements for growth, income or preservation of capital within your risk constraints.
Asset-Based Fee
Fees for the program are based on your account’s asset level, not on the number of transactions performed in a given time period.
Location
1301 A Street
Suite 300
Tacoma, WA 98402
US
Direct:
(253) 593-5047(253) 593-5047
Toll-Free:
(800) 755-5720(800) 755-5720
Meet O’Neal McGonigal Morley Group
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(253) 593-6089(253) 593-6089
Erin Stewart
Portfolio Associate
Phone:
(253) 593-5047(253) 593-5047
About Mary Denise McGonigal
Mary D. McGonigal is a Financial Advisor, Portfolio Management Director, and First Vice President at Morgan Stanley with over 20 years of experience as a Financial Advisor. Mary is a member of the O’Neal McGonigal Morley Group. She has attained the Chartered Retirement Planning Counselor (CRPC) designation. Mary works with many multi-generational families, managing their financial plans, investments, and portfolios to create customized plans to help achieve financial freedom.
Mary graduated with a Bachelor of Science (BS) in Psychology from Santa Clara University in 1983, Master of Divinity (MDIV) from Fuller Seminary in 1993, and Master of Business Administration (MBA) in Finance from Capella University in 2003. Prior to joining Morgan Stanley in 2011, she worked in collegiate and church ministry. Mary listens closely to her clients' goals, building strong, long-lasting relationships with them, so she can create a process that potentially allows them to achieve their dreams.
Mary believes achieving important financial goals starts with a comprehensive wealth strategy. She will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan, or devising a distribution approach that can meet your lifestyle and legacy goals.
Mary enjoys watching baseball, football, tennis, and other sports. Her weekly activities include several games of pickleball and a round of golf. Mary also enjoys eating out, going to the theater, traveling domestically and internationally, hiking, building jigsaw puzzles, long walks with her two mini-Australian shepherds, and other social engagements. Her passion for children and animals to be treated with kindness and fostered to grow has helped her focus on her charitable activities with Foster Care and the Humane Society. As an ordained Presbyterian minister, she has served many churches, programs, and committees. And Mary has enjoyed collaborating with the business communities in her region through active membership in the Chamber of Commerce.
Mary graduated with a Bachelor of Science (BS) in Psychology from Santa Clara University in 1983, Master of Divinity (MDIV) from Fuller Seminary in 1993, and Master of Business Administration (MBA) in Finance from Capella University in 2003. Prior to joining Morgan Stanley in 2011, she worked in collegiate and church ministry. Mary listens closely to her clients' goals, building strong, long-lasting relationships with them, so she can create a process that potentially allows them to achieve their dreams.
Mary believes achieving important financial goals starts with a comprehensive wealth strategy. She will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan, or devising a distribution approach that can meet your lifestyle and legacy goals.
Mary enjoys watching baseball, football, tennis, and other sports. Her weekly activities include several games of pickleball and a round of golf. Mary also enjoys eating out, going to the theater, traveling domestically and internationally, hiking, building jigsaw puzzles, long walks with her two mini-Australian shepherds, and other social engagements. Her passion for children and animals to be treated with kindness and fostered to grow has helped her focus on her charitable activities with Foster Care and the Humane Society. As an ordained Presbyterian minister, she has served many churches, programs, and committees. And Mary has enjoyed collaborating with the business communities in her region through active membership in the Chamber of Commerce.
Securities Agent: MI, FL, WA, NC, IA, HI, SD, NY, KS, WI, UT, MT, MS, SC, DC, ID, DE, VA, ME, CA, AK, MO, AZ, WY, NJ, MN, IL, CO, TX, OR, NV, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 526686
NMLS#: 526686
About Jared P. O'Neal
Born and raised in the Pacific Northwest. Jared attended Central Washington University and obtained a B.S. in Accounting. Jared and his wife Elizabeth, along with their children Tristan and Kyla live in Tacoma. When time allows they enjoy overnight backpacking in the great outdoors, traveling, or getting a round of golf in.
Jared joined the firm in 1997, and at the time was the youngest financial advisor in the company. Since then he has obtained the designation of Chartered Retirement Plans Specialist (CRPS®) and Portfolio Management Director.
Jared joined the firm in 1997, and at the time was the youngest financial advisor in the company. Since then he has obtained the designation of Chartered Retirement Plans Specialist (CRPS®) and Portfolio Management Director.
Securities Agent: IN, WY, WA, AZ, VA, UT, NM, IL, WI, SC, ME, FL, AK, TX, PA, MS, KS, AR, NJ, MT, MN, DE, OR, NY, KY, ID, IA, SD, OH, NV, MI, GA, CO, CA, NC, MO, MA, HI, DC, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1364414
NMLS#: 1364414
About Alyssa Morley
Alyssa Morley is a Financial Advisor and Vice President at Morgan Stanley with 18 years of investment experience. Alyssa is a member of the O’Neal McGonigal Morley Group. She advises clients regarding their financial goals, implements investment strategies, and delivers solutions based on those needs and goals. Alyssa makes sure to educate her clients when needed. She builds trusting relationships with communication and transparency.
Alyssa graduated from the University of Washington in 2013 with a bachelor’s in business. She attained the CERTIFIED FINANCIAL PLANNER™ certification in 2018. Prior to joining Morgan Stanley in January of 2022, she worked at Merrill Lynch and Bank of America as a Financial Advisor, Service Specialist, and Personal Banker, Bank Teller.
As your Financial Advisor, Alyssa can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, she can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Outside of work, Alyssa is a mom of two and has been with her spouse for 19 years. Her kids are still young. Alyssa has a six-year-old and an almost three-year-old, so she always teaching and learning with them. Her family lives close by, so she spends a lot of time with them. Alyssa enjoys walking her two dogs, gardening, traveling, cooking, and eating with her family. She visits the gulf coast of Florida every year. Alyssa loves Hawaii and Lake Chelan, WA. Routines are important to their family. They read bedtime stories and always talk about their day. In 2012, Alyssa studied abroad in Italy.
Alyssa graduated from the University of Washington in 2013 with a bachelor’s in business. She attained the CERTIFIED FINANCIAL PLANNER™ certification in 2018. Prior to joining Morgan Stanley in January of 2022, she worked at Merrill Lynch and Bank of America as a Financial Advisor, Service Specialist, and Personal Banker, Bank Teller.
As your Financial Advisor, Alyssa can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, she can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Outside of work, Alyssa is a mom of two and has been with her spouse for 19 years. Her kids are still young. Alyssa has a six-year-old and an almost three-year-old, so she always teaching and learning with them. Her family lives close by, so she spends a lot of time with them. Alyssa enjoys walking her two dogs, gardening, traveling, cooking, and eating with her family. She visits the gulf coast of Florida every year. Alyssa loves Hawaii and Lake Chelan, WA. Routines are important to their family. They read bedtime stories and always talk about their day. In 2012, Alyssa studied abroad in Italy.
Securities Agent: IL, AZ, VA, NY, NM, NJ, CO, WA, NC, WI, OR, NV, SD, MT, MS, DC, UT, ME, HI, DE, AK, MI, FL, WY, SC, MO, KS, IA, TX, MN, ID, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1366390
CA Insurance License #: 4353893
NMLS#: 1366390
CA Insurance License #: 4353893
About Erin Stewart
Born and raised in the Pacific Northwest, after graduating from Gonzaga in 2003, Erin joined the then Smith Barney office in Olympia in 2005. She has held different positions within the firm that have created a well rounded background that helps make her the friendly and efficient go to person for our team.
On the weekends she can be found cheering on her three daughters playing soccer or camping and riding ATVs with her husband, daughters and dogs.
On the weekends she can be found cheering on her three daughters playing soccer or camping and riding ATVs with her husband, daughters and dogs.
Contact Mary Denise McGonigal
Contact Jared P. O'Neal
Contact Alyssa Morley
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
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 O’Neal McGonigal Morley Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Investors 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.
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Morgan 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
11Morgan 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan 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.
6Investors 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.
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Morgan 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
11Morgan 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
