Jonathan R Hand, CFP®
Senior Vice President, Financial Advisor
Phone:
(205) 969-7054(205) 969-7054
Hand and Chua Group at Morgan Stanley
Direct:
(205) 969-7059(205) 969-7059
Toll-Free:
(800) 223-3758(800) 223-3758
Our Mission Statement
We strive to understand you, your family and your financial picture and use our knowledge, resources, and capabilities for your long term success.
Our Story and Services
We believe that wealth management should be a rewarding and enjoyable process for every client. The Hand and Chua Group strives to gain a deep understanding of your goals in every part of life. It means working with you to understand what is important to you and what it takes to get there, all while taking advantage of Morgan Stanley’s world class research and resources in order to help achieve your goals.
We understand that our clients’ needs evolve over time as their wealth increases. As your life and circumstances grow more complex, we will be there with you to address these changes. Nevertheless, our mission remains constant: to customize a strategy that best helps you reach your financial and life goals.
We understand that our clients’ needs evolve over time as their wealth increases. As your life and circumstances grow more complex, we will be there with you to address these changes. Nevertheless, our mission remains constant: to customize a strategy that best helps you reach your financial and life goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Are You Prepared?
Your retirement years should be the best years of your life. Transitioning from what you do today to where you want to be tomorrow can be one of life’s greatest moments, providing you with opportunities for personal growth, discovery, and even the possibility of adventure. The last thing we want you to worry about is money.
Understand Your 401(k)
Many companies offer a 401(k) plan to help their employees save for retirement. This is a simple, convenient, and powerful retirement planning vehicle that can help you start investing early and automatically. If you’re not taking advantage of this, now is the time to start!
The Key Benefits of a 401(k) Plan
Retirement Mistakes to Avoid
You’ve spent a lifetime planning for your retirement goals, contributing to your 401(k) and perhaps investing additional assets in an individual retirement account (IRA) and other accounts. Now, you’re finally on the verge of retiring. However, you may be surprised to find that retirement planning doesn’t stop once you retire. We will help you avoid common mistakes that could jeopardize your goals for retirement.
5 Mistakes to Avoid
Planning for the Rising Costs of Healthcare
Healthcare costs are rising, especially for retirees, and many will need Long Term Care. We will work together to take steps to minimize your financial exposure to unwanted medical costs so you can afford your desired lifestyle after your working years.
The Rising Costs of HealthcareOur Financial Planning Process
The pursuit of financial success begins with a plan. As your advisors and financial stewards, we provide comprehensive planning strategies so that you can pursue a brighter and more secure future. Our team is made up of two Certified Financial Planners®, a professional certification that is recognized as the highest standard in personal financial planning, with extensive training in the areas of taxes, insurance, estate planning, and retirement.
Plans are unique. No two people are the same. We create plans that are uniquely your own. We help you define what you want out of life, and then create a financial framework to bring these goals to reality. Our financial plans offer a high-degree of personalization that matches your investments to your goals and your willingness to take on risk. We also help manage your liabilities so that you can feel confident in your complete financial picture.
Plans are progressive and innovative. Whether it’s our innovative new Goals Planning System (GPS), a goals-based digital platform which offers a single, connected view that links your finances and investments to your top concerns and priorities; or our robust LifeView® suite of tools, we can create your personal roadmap to help achieve and protect your goals. Both of these platforms offer us the ability to create a plan that’s just right for you, your family, and your goals, and provides us with a baseline for future discussions.
We are as committed to your success as you are. The result of our process is a financial plan that is dynamic and vibrant, as enduring as the lifetime of achievement it represents.
Plans are unique. No two people are the same. We create plans that are uniquely your own. We help you define what you want out of life, and then create a financial framework to bring these goals to reality. Our financial plans offer a high-degree of personalization that matches your investments to your goals and your willingness to take on risk. We also help manage your liabilities so that you can feel confident in your complete financial picture.
Plans are progressive and innovative. Whether it’s our innovative new Goals Planning System (GPS), a goals-based digital platform which offers a single, connected view that links your finances and investments to your top concerns and priorities; or our robust LifeView® suite of tools, we can create your personal roadmap to help achieve and protect your goals. Both of these platforms offer us the ability to create a plan that’s just right for you, your family, and your goals, and provides us with a baseline for future discussions.
We are as committed to your success as you are. The result of our process is a financial plan that is dynamic and vibrant, as enduring as the lifetime of achievement it represents.
Investment Management
You can rely on us to design holistic and strategic financial plans that match your family’s goals.
Retirement Planning
We will help you develop and implement a strategy that encompasses your needs before, during and after you retire and is based on your personal vision of retirement.
Managing Your Liquidity Needs
We will keep an eye on your cash flow needs as your goals and finances evolve.
Education Planning & Family Concerns
We will make a plan for the education and well-being of your children or grandchildren, as well as your parents or other relatives who might need assistance now or in the future.
Trust, Estate & Legacy Planning
We will help you implement your plan for passing on your assets in a way that honors your values as well as your financial commitments.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
LifeView
LifeView is a suite of planning tools that creates a realistic, integrated strategy meant to incorporate aspects of an individual’s financial life, including investments and cash management needs. It also provides progress-to-goals reporting which illustrate complex planning strategies.
Access the LifeView Client Profile Form
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this useful resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning, and convenient connectivity.
Learn more about Total Wealth View
MS Reserved
Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
Learn more about Goals-Based Planning
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Learn more about the Portfolio Risk Platform
Online Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn more about the Online Security Center
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love in the event of a catastrophe or serious illness, disability, or death. Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. The Digital Vault allows you to construct a central, shared document library where all documents can be stored using encryption.
Log into your Digital VaultResearch and Education
Morgan Stanley provides its clients with resources designed to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern financial market and the current economic landscape .
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Morgan Stanley Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest EpisodeLocation
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35243
US
Direct:
(205) 969-7059(205) 969-7059
Toll-Free:
(800) 223-3758(800) 223-3758
Meet Hand and Chua Group
Kennedy Y Chua, CFP®
Vice President, Financial Advisor
Phone:
(205) 969-7049(205) 969-7049
Elizabeth Gross
Wealth Management Associate
Phone:
(205) 969-7011(205) 969-7011
Darlene Beck
Senior Registered Client Service Associate
Phone:
(205) 969-7059(205) 969-7059
About Jonathan R Hand
Jonathan Hand has been with Morgan Stanley since 1993. As a Financial Advisor, Senior Vice President, Certified Financial Planner®, and a co-managing partner of the Hand & Chua Group at Morgan Stanley, Jonathan is passionate about building relationships with clients and their families to help guide them towards achieving their lifelong dreams and goals. Jonathan and his team are committed to providing clients with the highest standard of service to help them feel confident with their resources when identifying their goals and creating plans to achieve them.
Prior to joining Morgan Stanley Jonathan earned his Bachelor's degree in Finance and Economics from Birmingham Southern College, and his MBA from Samford University. To start his career, Jonathan was a dedicated commercial lender for SouthTrust bank. There he saw all the hard work clients invested in their jobs and businesses. He realized the importance of helping clients use all of those efforts to accomplish all they want for themselves and their families.
For his charitable work, Jonathan is an active supporter in his local community. He has served as a deacon at Brookwood Baptist Church and was a past chairman of its finance committee, youth activities, and mission projects. Jonathan enjoys working with youth sports in Vestavia and is currently a supporter of the varsity baseball team. Outside of the community, Jonathan’s favorite activity is spending time with his wife and his family. Jonathans has been married to Lianne for 31 years. Together they have a daughter, Claire who recently married, and a son, Jonathan who attends Auburn University.
Prior to joining Morgan Stanley Jonathan earned his Bachelor's degree in Finance and Economics from Birmingham Southern College, and his MBA from Samford University. To start his career, Jonathan was a dedicated commercial lender for SouthTrust bank. There he saw all the hard work clients invested in their jobs and businesses. He realized the importance of helping clients use all of those efforts to accomplish all they want for themselves and their families.
For his charitable work, Jonathan is an active supporter in his local community. He has served as a deacon at Brookwood Baptist Church and was a past chairman of its finance committee, youth activities, and mission projects. Jonathan enjoys working with youth sports in Vestavia and is currently a supporter of the varsity baseball team. Outside of the community, Jonathan’s favorite activity is spending time with his wife and his family. Jonathans has been married to Lianne for 31 years. Together they have a daughter, Claire who recently married, and a son, Jonathan who attends Auburn University.
Securities Agent: MA, MT, MO, MD, WI, NC, KY, CA, WA, OH, LA, GA, MS, VA, FL, CT, SC, NY, AL, PA, TX, TN, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1279546
NMLS#: 1279546
About Kennedy Y Chua
Kennedy Chua began his career at Morgan Stanley in 2008. As a Financial Advisor and a Certified Financial Planner®, Kennedy puts his client’s best interest at the forefront. His primary responsibilities include retirement planning, estate planning strategies, and coordinating with accountants, estate attorneys and other professionals to shape clients' full financial lives. Kennedy enjoys having the opportunity to help and guide clients on their individual financial paths, as well as seeing client satisfaction.
Prior to joining Morgan Stanley, Kennedy earned his B.S. in Industrial Engineering from the University of Santo Tomas in the Philippines, and his M.S. in Industrial Management from Georgia Tech. He is also a graduate of the Stonier Graduate School of Banking. Before becoming a Financial Advisor, Kennedy had a twenty-year career as a Senior Vice President at SouthTrust Bank.
Prior to joining Morgan Stanley, Kennedy earned his B.S. in Industrial Engineering from the University of Santo Tomas in the Philippines, and his M.S. in Industrial Management from Georgia Tech. He is also a graduate of the Stonier Graduate School of Banking. Before becoming a Financial Advisor, Kennedy had a twenty-year career as a Senior Vice President at SouthTrust Bank.
Securities Agent: NY, FL, MA, AL, MO, LA, KY, OH, MT, VA, SC, NC, MS, CA, PA, NJ, WI, GA, CT, TX, TN, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1273064
NMLS#: 1273064
Contact Jonathan R Hand
Contact Kennedy Y Chua
Wealth Management
From Our Team
5 Mistakes to Avoid in Retirement
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Ready to start a conversation? Contact Hand and Chua 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 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.
2Investors 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.
3Morgan 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.
4Morgan 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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When 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.
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 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.
2Investors 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.
3Morgan 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.
4Morgan 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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When 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.
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)