Lisa Puntillo
Executive Director, Financial Advisor
Phone:
(516) 336-0836(516) 336-0836
Puntillo Team at Morgan Stanley
Direct:
(516) 336-0836(516) 336-0836
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
As your Financial Advisors, we 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 we can help you to preserve and grow your wealth. You’ll 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.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Estate Planning StrategiesFootnote4
- Qualified Retirement PlansFootnote5
- 401(k) Rollovers
- Trust AccountsFootnote6
- UGMA/UTMAFootnote7
- Life InsuranceFootnote8
- Long-term Care InsuranceFootnote9
- Endowments and FoundationsFootnote10
- 529 PlansFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Lisa Puntillo
Lisa Puntillo has been named as a Forbes Best-In-State Wealth-Advisor Recipient for the past three straight years (2023,2022, and 2021)
2021, 2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021, 2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Helpful Resources
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. Bill Corbin and I are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
We value our clients as part of our close-knit financial family, and we are proud to serve our clients as a resource, a sounding board or even a sympathetic ear.
Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinator and connector for all your wealth planning needs. In our experience working with clients, we have developed a step-by-step approach to service:
We value our clients as part of our close-knit financial family, and we are proud to serve our clients as a resource, a sounding board or even a sympathetic ear.
Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinator and connector for all your wealth planning needs. In our experience working with clients, we have developed a step-by-step approach to service:
2023 US Global Strategy Outlook
In an environment of slow growth, lower inflation and new monetary policies, expect 2023 to have upside for bonds, defensive stocks and emerging markets. Learn more in the 2023 Strategy Outlook from Morgan Stanley Research by clicking on the link below.
Read Here
Develop Your Retirement Roadmap
The path to your ideal retirement may have some twists and turns, but smart planning can help you reach your destination. Where are you in your retirement journey and what steps do you need to take to get ahead in 2023? Learn more at our Retirement Homepage.
Learn More
How to Start Fresh Financially in 2023
Heading into 2023, 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 More
Alternative Lending Opportunities
Check out our Alternative Lending homepage. Here you will learn more about the intersection of finance and technology, the Alternative Lending Model, valuable investment insights and much more.
Read Here
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.
Learn here
Opportunities in Cybersecurity
The cybersecurity sector is rapidly growing and developing new ways to guard against sophisticated attacks. How can you take advantage of the long-term investment opportunity?
Learn MoreClient Resources
Morgan Stanley's comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Access Morgan Stanley Online
Total Wealth View
View all of your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Access Total Wealth View
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, which is to provide you with investing and planning solutions for your individual goals.
Learn More About Our Planning Tools
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and how our resources can help protect yourself online.
Learn More About How We Protect You
Digital Vault
Through Digital Vault, you can move beyond using filing cabinets, your email inbox and a folder on your computer to save and share documents with your Morgan Stanley team.
With a few clicks, you can collaborate on and upload documents from your phone, laptop or desktop. Not only will this save you time, but it will also reduce the amount of sensitive paper you’re holding onto and may even decrease your risk of fraud.
Access Digital VaultWith a few clicks, you can collaborate on and upload documents from your phone, laptop or desktop. Not only will this save you time, but it will also reduce the amount of sensitive paper you’re holding onto and may even decrease your risk of fraud.
Morgan Stanley Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research. To access new and informative materials, please visit our Research homepage.
Learn MoreOUR FOUR-STEP PROCESS:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. For us, service means much more than providing sound investment advice and strategic guidance.
We value our clients as part of our close-knit financial family, and we are proud to serve our clients as a resource, a sounding board or even a sympathetic ear.
Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinator and connector for all your wealth planning needs. In our experience working with clients, we have developed a step-by-step approach to service:
We value our clients as part of our close-knit financial family, and we are proud to serve our clients as a resource, a sounding board or even a sympathetic ear.
Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinator and connector for all your wealth planning needs. In our experience working with clients, we have developed a step-by-step approach to service:
1. Discovery Meeting
This is our chance to get to know each other. It is important that we fully understand you and your family’s background, lifestyle, and plans for the future in order to create a meaningful relationship. We are listening for you goals and aspirations and may help you uncover some you didn’t know you had.
2. Forming Your Strategy
Transparency and education are pillars to making any life decision, so we provide a financial plan with a few different solutions for reaching your goals. A discussion to analyze, compare, and contrast each solutions will empower you to making the ultimate decision.
3. Implementing Your Plan
With the help of Morgan Stanley’s full suite of resources, we execute your strategy with confidence and efficiency.
4. Tracking & Updating
Planning is a process and we know life is full of twist and turns that change our ideas, plans, and goals. With periodic check-ins, we will ensure your strategy continues to suite your needs and offer new solutions as we see fit.
Location
Two Jericho Plaza
Jericho, NY 11753
US
Direct:
(516) 336-0836(516) 336-0836
Meet Puntillo Team
Robert Pascucci
Financial Advisor
Phone:
(516) 336-0838(516) 336-0838
Elaina Flynn
Wealth Management Associate
Phone:
(516) 336-0839(516) 336-0839
Patrick Chambers
Wealth Management Associate
Phone:
(516) 336-0785(516) 336-0785
Russell Holtzman
Client Service Associate
Phone:
(516) 336-0837(516) 336-0837
About Lisa Puntillo
Lisa B. Puntillo
Executive Director – Wealth Management
Lisa began her investment career at Sanford C. Bernstein & Co. where she was promoted to Principal. She joined Smith Barney in 2000 as a Senior Vice President, UBS in 2008 as a Senior Vice President and Morgan Stanley in 2017 as an Executive Director. Annually from 2007, Lisa has been an invited participant to the Barron’s Top Women Advisors Summit. Lisa was named to the Forbes Best-in-State Wealth Advisors List in 2021, 2022, 2023 & 2024.
Fifteen years of Lisa’s 40 year career was spent in real estate development and finance. As an executive, she has drawn on her multifaceted business experience to advise high net worth clients for the past 25 years. Lisa holds a bachelor’s degree from Carnegie-Mellon University and has an MBA in finance from New York University. She holds FINRA Series 7, 63, and 65 securities licenses and a Life and Health Insurance license.
Lisa has been a member of the board of Trustees of Ithaca College and served on Ithaca’s Endowment Investment Committee. She has also been a member of the boards of The Association for a Better Long Island, The Grenville Baker Boys and Girls Club and the Lying-In Committee for New York Hospital.
Lisa Puntillo in addition to the award recipients, was one of several hundred financial advisors who were selected by their firms to attend the annual Barron’s Top Women Advisors Summit, hosted by Barron’s magazine to promote best practices in the industry and the value of advice to the investing public. The invitation-only conference was held virtually. This exclusive conference is designed to promote best practices and generate new ideas across the industry. Participants attended workshops, many led by the Top 100 Women Financial Advisors, that explored current issues ranging from business development ideas through managing high-net-worth accounts and families to portfolio management and retirement planning.
Source: Forbes.com Forbes Best-In- State Wealth Advisors rankings awarded in 2021, 2022, 2023 & 2024 as well as Top Women Wealth Advisors Best-In-State award in 2021, 2022, 2023 & 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/19 - 6/30/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
Executive Director – Wealth Management
Lisa began her investment career at Sanford C. Bernstein & Co. where she was promoted to Principal. She joined Smith Barney in 2000 as a Senior Vice President, UBS in 2008 as a Senior Vice President and Morgan Stanley in 2017 as an Executive Director. Annually from 2007, Lisa has been an invited participant to the Barron’s Top Women Advisors Summit. Lisa was named to the Forbes Best-in-State Wealth Advisors List in 2021, 2022, 2023 & 2024.
Fifteen years of Lisa’s 40 year career was spent in real estate development and finance. As an executive, she has drawn on her multifaceted business experience to advise high net worth clients for the past 25 years. Lisa holds a bachelor’s degree from Carnegie-Mellon University and has an MBA in finance from New York University. She holds FINRA Series 7, 63, and 65 securities licenses and a Life and Health Insurance license.
Lisa has been a member of the board of Trustees of Ithaca College and served on Ithaca’s Endowment Investment Committee. She has also been a member of the boards of The Association for a Better Long Island, The Grenville Baker Boys and Girls Club and the Lying-In Committee for New York Hospital.
Lisa Puntillo in addition to the award recipients, was one of several hundred financial advisors who were selected by their firms to attend the annual Barron’s Top Women Advisors Summit, hosted by Barron’s magazine to promote best practices in the industry and the value of advice to the investing public. The invitation-only conference was held virtually. This exclusive conference is designed to promote best practices and generate new ideas across the industry. Participants attended workshops, many led by the Top 100 Women Financial Advisors, that explored current issues ranging from business development ideas through managing high-net-worth accounts and families to portfolio management and retirement planning.
Source: Forbes.com Forbes Best-In- State Wealth Advisors rankings awarded in 2021, 2022, 2023 & 2024 as well as Top Women Wealth Advisors Best-In-State award in 2021, 2022, 2023 & 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/19 - 6/30/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
Securities Agent: CT, NY, VA, MD, MI, MA, FL, NH, AZ, NJ, NC, IL, CO, GA, NV, WI, DC, CA, SC, PA, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1653117
NMLS#: 1653117
About Robert Pascucci
Robert J. Pascucci
Financial Advisor
Robert spent the first 7 years of his career at the Fox News Channel. Robert became an Associate Producer working with high-level producers, executives, and on-air personalities. He collaborated across the organization with finance, legal, and marketing departments as the main point of contact for his team.
Robert left television to pursue higher education at Washington University in St. Louis. In 2020 he graduated with an MBA from the Olin School of Business where he studied Economics, Finance, and Marketing. He also holds a B.S. in Communications, with a minor in Legal Studies, from Ithaca College and FINRA Series 7 and 66 securities licenses.
Financial Advisor
Robert spent the first 7 years of his career at the Fox News Channel. Robert became an Associate Producer working with high-level producers, executives, and on-air personalities. He collaborated across the organization with finance, legal, and marketing departments as the main point of contact for his team.
Robert left television to pursue higher education at Washington University in St. Louis. In 2020 he graduated with an MBA from the Olin School of Business where he studied Economics, Finance, and Marketing. He also holds a B.S. in Communications, with a minor in Legal Studies, from Ithaca College and FINRA Series 7 and 66 securities licenses.
Securities Agent: NC, IL, CO, CA, NY, MD, CT, NV, AZ, FL, WI, SC, MI, MA, DC, NJ, GA, VA, PA, ME, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 2447228
NMLS#: 2447228
About Elaina Flynn
Elaina L. Flynn
Wealth Management Associate
Elaina began her financial services career in 2008 at JP Morgan in their Prime Services group. She served as a Client Account Manager for top tier hedge fund clientele for 5 years. Her role focused on serving as the client’s single point of contact across the entire firm to mitigate day-to-day production problems and find effective solutions. In 2013 she became a Relationship Manager at Millennium Management to learn the buy side of the hedge fund business.
Elaina then transitioned to Morgan Stanley Private Wealth Management in 2014 and became familiar with the retail side of the industry. By supporting a team of four Financial Advisors she quickly learned the needs of this client base and the responsibility that comes with managing personal wealth. She joined the Puntillo Team in September 2016.
Elaina holds FINRA Series 7, 9, 10 and 66 securities licenses and has a BS in Finance, Marketing and Economics from Fordham University.
Wealth Management Associate
Elaina began her financial services career in 2008 at JP Morgan in their Prime Services group. She served as a Client Account Manager for top tier hedge fund clientele for 5 years. Her role focused on serving as the client’s single point of contact across the entire firm to mitigate day-to-day production problems and find effective solutions. In 2013 she became a Relationship Manager at Millennium Management to learn the buy side of the hedge fund business.
Elaina then transitioned to Morgan Stanley Private Wealth Management in 2014 and became familiar with the retail side of the industry. By supporting a team of four Financial Advisors she quickly learned the needs of this client base and the responsibility that comes with managing personal wealth. She joined the Puntillo Team in September 2016.
Elaina holds FINRA Series 7, 9, 10 and 66 securities licenses and has a BS in Finance, Marketing and Economics from Fordham University.
About Patrick Chambers
Patrick’s career in financial services began in 2016 at CAVU Securities LLC, a boutique Minority & Veteran-owned broker-dealer based in Manhattan. He joined the firm’s Funds Distribution Group as an Associate and subsequently served as Vice President, where he focused on the sale of complex alternative & liquid-alt instruments to institutional investors including RIAs, family offices and fund of funds.
He left CAVU Securities in 2022 to start his own company GrowFund LLC, where he performed independent capital raising services for select private equity funds.
Patrick made the decision to transition to wealth management and joined The Puntillo Team at Morgan Stanley in September of 2023 as a Wealth Management Associate. He holds FINRA Series 7 & 66 licenses and has a Bachelor of Laws (LL.B.) from the University of Leeds in the United Kingdom
He left CAVU Securities in 2022 to start his own company GrowFund LLC, where he performed independent capital raising services for select private equity funds.
Patrick made the decision to transition to wealth management and joined The Puntillo Team at Morgan Stanley in September of 2023 as a Wealth Management Associate. He holds FINRA Series 7 & 66 licenses and has a Bachelor of Laws (LL.B.) from the University of Leeds in the United Kingdom
About Russell Holtzman
Russell is a 2023 graduate from the School of Management at SUNY Binghamton where he received a BA in Political Science and an MBA in finance.
He spent his college years working summers at various companies, most notably, Golden Goose, an emerging fashion brand out of Rome. As an intern, Russell worked with the Director of Retail on real estate negotiations, store planning, and examination of store financials.
Russell joined the Puntillo Team at Morgan Stanley in July of 2023.
He spent his college years working summers at various companies, most notably, Golden Goose, an emerging fashion brand out of Rome. As an intern, Russell worked with the Director of Retail on real estate negotiations, store planning, and examination of store financials.
Russell joined the Puntillo Team at Morgan Stanley in July of 2023.
Contact Lisa Puntillo
Contact Robert Pascucci
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
Colin Brady, CFP®
Financial Planning Director, Vice President
About Colin Brady
Colin Brady is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management office at 399 Park Ave in New York City. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Puntillo Team today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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
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.
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 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
10Morgan 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.
11Investors 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.
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:
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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.
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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.
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Awards Disclosures
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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
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.
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 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
10Morgan 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.
11Investors 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.
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Awards Disclosures
CRC 6491812 (04/2024)
