Tony Gist
Private Banker
Paul J Kurisky
Senior Vice President, Wealth Management,
Financial Advisor,
Family Wealth Advisor,
Insurance Planning Director,
Qualified Plan Financial Consultant
Direct:
(717) 519-4961(717) 519-4961
Toll-Free:
(800) 873-0990(800) 873-0990
My Mission Statement
We collaborate with our clients to help them preserve, grow, and manage their wealth, then distribute it based on their wishes.
Welcome
For me, retirement planning means more than providing my clients with investment advice. It means helping them obtain the financial independence they've worked their whole lives to achieve. My consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked and determine how we can help you adjust your investment strategy to help accommodate changing conditions and potentially meet any unforeseen expenses and income demands that may arise during retirement.
24/7 Morgan Stanley Online Help Desk
(888) 454-3965
24/7 Client Service Center
(800) 688-3462
Reserved Client Service Center
(877) 799-6772
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Asset Management
- 401(k) Rollovers
- Cash ManagementFootnote5
- 529 PlansFootnote6
- AnnuitiesFootnote7
- Lending Products
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Certificates of DepositFootnote10
- Municipal BondsFootnote11
- Alternative InvestmentsFootnote12
- Trust AccountsFootnote13
Securities Agent: PA, AZ, WA, TN, GA, CO, WI, NJ, OR, MS, ME, MD, KY, OH, NY, DE, DC, TX, VA, SC, NC, KS, CA, AK, IL, NV, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1273010
NMLS#: 1273010
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
I graduated from the United States Naval Academy in 1987 with Merit, and my Bachelor of Science degree in Mechanical Engineering. I went on to subsequent graduate studies in Naval Nuclear Propulsion and multiple overseas deployments, serving as a Surface Warfare Officer onboard the U.S.S. South Carolina (CGN-37), including during Desert Shield and Desert Storm.
Following service to our Country, I spent 12 years in a variety of senior level manufacturing leadership positions, in multiple industries. I held roles as a Shift Supervisor, Production Manager, Plant Manager, Regional Sales Manager, printing plant Pressroom/Pre-press/Bindery Manager, and as the senior leader responsible for Listerine manufacturing and packaging at Pfizer.
In 2004, I joined Smith Barney as a Financial Advisor and have been with Morgan Stanley Smith Barney since the merger. Throughout my tenure at Morgan Stanley, I have worked diligently to learn and grow within the profession, to help meet the ever-changing needs of my clients. I have also been honored to work with excellent team members to help ensure my clients’ financial goals are met. I have obtained multiple designations including: Family Wealth Advisor, Insurance Planning Director, Qualified Plan Financial Consultant (QPFC).
I also work within my community in different ways. Over the years, I have been associated with organizations such as: U.S. Naval Academy Alumni Association Susquehanna Valley Chapter, Military Officers Association, Christian Business Men's Committee (CBMC), as a YMCA U.S.A. Swimming Official, school board at Our Mother of Perpetual Help School, and the Parish Council at Our Lady of Lourdes Church.
Following service to our Country, I spent 12 years in a variety of senior level manufacturing leadership positions, in multiple industries. I held roles as a Shift Supervisor, Production Manager, Plant Manager, Regional Sales Manager, printing plant Pressroom/Pre-press/Bindery Manager, and as the senior leader responsible for Listerine manufacturing and packaging at Pfizer.
In 2004, I joined Smith Barney as a Financial Advisor and have been with Morgan Stanley Smith Barney since the merger. Throughout my tenure at Morgan Stanley, I have worked diligently to learn and grow within the profession, to help meet the ever-changing needs of my clients. I have also been honored to work with excellent team members to help ensure my clients’ financial goals are met. I have obtained multiple designations including: Family Wealth Advisor, Insurance Planning Director, Qualified Plan Financial Consultant (QPFC).
I also work within my community in different ways. Over the years, I have been associated with organizations such as: U.S. Naval Academy Alumni Association Susquehanna Valley Chapter, Military Officers Association, Christian Business Men's Committee (CBMC), as a YMCA U.S.A. Swimming Official, school board at Our Mother of Perpetual Help School, and the Parish Council at Our Lady of Lourdes Church.
Financial Planning
Goals you set today will evolve over time. Our process is designed to evolve with them. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Insurance Planning Director (IPD)
Recipients of the IPD designation have
demonstrated a commitment to, and understanding of, holistic goals-based wealth management
planning through the incorporation of insurance solutions into their practice as a foundational
component of risk management.
demonstrated a commitment to, and understanding of, holistic goals-based wealth management
planning through the incorporation of insurance solutions into their practice as a foundational
component of risk management.
Qualified Plan Financial Consultant (QPFC)
QPFC is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC program will provide an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals.
Family Wealth Advisor (FWA)
The FWA designation is granted to those Financial Advisors who have successfully completed an
accreditation program focused on the skills needed to help families communicate about money and values, share their goals, and grow and protect wealth across generations. With this specialized knowledge, FWAs are able to provide strategic guidance to families and deliver wealth management strategies that put families – and their collective values and goals – first.
accreditation program focused on the skills needed to help families communicate about money and values, share their goals, and grow and protect wealth across generations. With this specialized knowledge, FWAs are able to provide strategic guidance to families and deliver wealth management strategies that put families – and their collective values and goals – first.
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to the your future plans, preferences and goals.
LifeView
We have access to a sophisticated suite of tools to help you implement the Morgan Stanley wealth management process and translate your goals into reality. Morgan Stanley’s LifeView® Financial Planning tool’s client portal allows us to provide you with more robust financial planning capabilities, while giving you an easier and more intuitive user experience.
Learn More About LifeView
Tax, Trust and Estate Planning Overview
The Wealth and Estate Planning Strategists look at all aspects of an individual’s estate to understand the potential income tax and estate planning attributes of the vehicles.
The Planning Process
Following a thorough process, we help you create a highly customized and truly comprehensive wealth plan that touches every aspect of your financial life. Our goal is to help you preserve and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations. We provide you with personalized and consultative guidance, and we assemble and integrate the needed skills and resources to help you succeed on your terms.
1. Discovery
Identifying your values and goals
-Family
-Risk Tolerance
-Family
-Risk Tolerance
2. Analysis and Recommendation
Helping you to build an action plan
- Identification of liabilities and risks
- Coordination with outside personal advisors
- Action plan: growth, preservation and/or wealth transfer
- Identification of liabilities and risks
- Coordination with outside personal advisors
- Action plan: growth, preservation and/or wealth transfer
3. Implementation
Providing access to services and providers
- Trusts
- Philanthropy
- Family mission and by-laws
- Asset management
- Trusts
- Philanthropy
- Family mission and by-laws
- Asset management
4. Monitoring
Ongoing evaluation and reporting
- Track progress towards goals
- Set/follow guidelines for liquidity, asset allocation
- Notification when portfolio strays outside guidelines
- Performance reporting
- Online access
- Track progress towards goals
- Set/follow guidelines for liquidity, asset allocation
- Notification when portfolio strays outside guidelines
- Performance reporting
- Online access
WHAT'S HAPPENING WITH MY TEAM AND THE FIRM
We are fortunate to have a culture built on open discourse of thought-provoking ideas and information. While our clients expect us to share our thoughts on the latest finance and market updates, we believe that the holistic wealth management experience includes discussing lifestyle and current events as well. To this point, the Client Newsletter is our space to share the latest news on what is being discussed in our office.
5 Tax-Savvy Ways to Give
If you’re inclined to help others, consider these ways to make your giving go further.
Your Guide to SimplifyMost Recent Publishing from The Global Investment Committee
On the MarketsBe Aware of Tax Season Scams
While you’re busy gathering your paperwork for tax season, cybercriminals are devising schemes to steal your identity and money. Know how to protect yourself and your loved ones.
Read More5 Steps that May Reduce Taxes on Your Income and Portfolio
Achieving your investment goals isn’t just about maximizing returns. Reducing tax liabilities in your portfolio can also play a key role in helping you build wealth over the long run. As you review your income and portfolio, consider these steps to help reduce taxes on your investments:
Learn More401K Contributions
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three 401(k) plan retirement strategies to consider.
Learn More5 Things You May Not Know About 529s (But Should)
They're tax friendly, flexible and available to anyone. Yet, 529 education investment plans are still underused. Here are five things that parents, grandparents and anyone hoping to get a leg up on education costs need to know.
Learn More6 Financially Smart Ways to Start 2025
Heading into 2025, it’s time to take stock of your budget, debt and investments—and check them against your financial goals. These six steps can get you started.
Learn MoreThe Latest Culinary Trends and Buzzwords
In a globalized gastronomic scene, every country’s cuisine, produce, food fads and languages are open game. Here’s a look at the terms that capture the year’s most popular ingredients and techniques.
Learn MoreClient Service Team
Brittany Arentz, Financial Planning Specialist, PA Life & Health - Registered Client Service Associate
Phone:
(717) 519-3231(717) 519-3231
Email:brittany.arentz@morganstanley.com
Location
300 Granite Run Dr
Ste 300
Lancaster, PA 17601
US
Direct:
(717) 519-4961(717) 519-4961
Toll-Free:
(800) 873-0990(800) 873-0990
Fax:
(717) 560-0100(717) 560-0100
Mailing Address: 515 W Hamilton
Ste 700
Allentown, PA 18101
US
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Michael Malz, CFP®, C(k)P®, CRPS®, QPFC
Executive Director, Financial Advisor, Government Entity Specialist, Corporate Retirement Director, Family Wealth Director, Workplace Advisor – Equity Compensation, Financial Wellness
About Tony Gist
Tony Gist is a Private Banker and Vice President serving Morgan Stanley Wealth Management offices in Pennsylvania.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From My Desk
Understanding Your Retirement Plan Options When You Leave a Job
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
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.
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
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
Article Image
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
Ready to start a conversation? Contact Paul J Kurisky today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
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 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
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Alternative 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.
13Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
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 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
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Alternative 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.
13Morgan 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.
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
CRC 6491812 (04/2024), 3582895 (6/2024)
