Zach Furr
Registered Associate, Financial Planning Specialist
Phone:
(404) 266-5981(404) 266-5981
Raluca Bighiu, CFP®
Senior Vice President,
Family Wealth Director,
Insurance Planning Director
Direct:
(404) 266-6946(404) 266-6946
Toll-Free:
(800) 688-6002(800) 688-6002
My Mission Statement
Our mission is to empower high-net-worth individuals with financial guidance through professionalism, integrity, and trust. We offer the resources of a global firm in a boutique-style practice and prioritize exceptional service that fulfills your family's financial goals. Our enduring relationships are built on transparent communication and thoughtful advice, delivered with a client-centric and prudent approach.
My Story and Services
Raluca Bighiu, CFP® is a Senior Vice President and Family Wealth Director within Morgan Stanley Wealth Management. After spending several years studying to become a Maxillofacial Reconstructive surgeon in Romania, she won in the Diversity Visa Program and immigrated to the U.S in 1997. Following stints in Detroit and Aspen, Raluca made Atlanta her home in January 2000 where she began her career in finance, guiding families and individuals in all matters of personal financial management.
Prior to joining Morgan Stanley in July 2011, she was a Client Advisor at Truist Private Wealth Management and held client advisory and branch management roles at Bank of America. During her Morgan Stanley tenure, Raluca earned the highly coveted designation of Family Wealth Director, a title held by only the top 4% of Financial Advisors in the company, becoming the only female advisor with this title in the state of Georgia at Morgan Stanley as of 04/2023. Most recently, Forbes and SHOOK Research ranked her as a 2023 Top Woman Wealth Advisors Best in State.
Raluca earned a B.B.A. in Finance and an executive M.B.A. in Global Business from the J. Mack Robinson College of Business at Georgia State University in addition to the Certified Financial Planner™ designation, securities and life insurance licenses. She speaks English, Romanian and French and maintains close ties to friends all over the world.
Raluca and her daughters live in the Buckhead community of Atlanta. Outside the office, she enjoys being active outdoors, exercising, traveling, cooking, and volunteering in the community. Her community involvement focuses on children, women and minorities and includes organizations like Children’s Restoration Network, Save a Child’s Heart, The Community Assistance Center and the Atlanta Women’s Foundation. Raluca is a big believer and supporter of diversity and currently serves as a mentor for minority business graduate students at Georgia State University, CFP® certification candidates through the CFP® Board and internally at Morgan Stanley, coaching the next generation of financial advisors.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Prior to joining Morgan Stanley in July 2011, she was a Client Advisor at Truist Private Wealth Management and held client advisory and branch management roles at Bank of America. During her Morgan Stanley tenure, Raluca earned the highly coveted designation of Family Wealth Director, a title held by only the top 4% of Financial Advisors in the company, becoming the only female advisor with this title in the state of Georgia at Morgan Stanley as of 04/2023. Most recently, Forbes and SHOOK Research ranked her as a 2023 Top Woman Wealth Advisors Best in State.
Raluca earned a B.B.A. in Finance and an executive M.B.A. in Global Business from the J. Mack Robinson College of Business at Georgia State University in addition to the Certified Financial Planner™ designation, securities and life insurance licenses. She speaks English, Romanian and French and maintains close ties to friends all over the world.
Raluca and her daughters live in the Buckhead community of Atlanta. Outside the office, she enjoys being active outdoors, exercising, traveling, cooking, and volunteering in the community. Her community involvement focuses on children, women and minorities and includes organizations like Children’s Restoration Network, Save a Child’s Heart, The Community Assistance Center and the Atlanta Women’s Foundation. Raluca is a big believer and supporter of diversity and currently serves as a mentor for minority business graduate students at Georgia State University, CFP® certification candidates through the CFP® Board and internally at Morgan Stanley, coaching the next generation of financial advisors.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- Retirement PlanningFootnote6
- Business Succession PlanningFootnote7
- Planning for Individuals with Special Needs
- Divorce Financial AnalysisFootnote8
- 529 PlansFootnote9
- Life InsuranceFootnote10
- 401(k) Rollovers
Securities Agent: TN, MS, MD, KY, GA, CO, WA, IN, MI, CA, SC, AL, IL, TX, LA, AZ, VA, PA, OH, NV, DE, NY, NJ, FL, SD, NC, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 673767
NMLS#: 673767
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Strengths
We come to work every day focused on helping make a real difference in the lives of our clients and the people they care about. The following attributes underscore our commitment to an exceptional client experience.
Certified Financial Planner (CFP)
I attained my nationally recognized certified planner designation in 2005. Throughout my years of practice, I've always valued taking a holistic approach in working with my clients, living by the tenets of being a CFP.
Reviewing a financial plan is essential for clients and families alike to attain their financial goals. The planning process is not a one-time event, but rather, a continuum in our client relationships.
Whatever it may be that they are looking to financially achieve, we take a very detailed approach to helping guide them along the way.
Reviewing a financial plan is essential for clients and families alike to attain their financial goals. The planning process is not a one-time event, but rather, a continuum in our client relationships.
Whatever it may be that they are looking to financially achieve, we take a very detailed approach to helping guide them along the way.
Awards, Recognitions & In the Press
Working with an exceptional group of clients is a privilege that I am grateful for. It brings me great satisfaction to assist them in achieving their life goals through effective financial management. The recognition I have received from both my firm and the industry is a testament to the quality of work I strive to provide.
○ Forbes Best-In-State Women Advisors (2023)
[Source: Forbes (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22 https://mgstn.ly/3WT0Yi7]
○ Featured in The Atlantan: "The Family Pro You Need to Know"
Click Here to Read○ Forbes Best-In-State Women Advisors (2023)
[Source: Forbes (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22 https://mgstn.ly/3WT0Yi7]
○ Featured in The Atlantan: "The Family Pro You Need to Know"
Family Wealth Director Designation (FWD)
Within Morgan Stanley, becoming a family wealth director is one of the highest personal wealth management designations an advisor can attain. Having this knowledge allows our team to work with clients inter-generationally, addressing a wide range of topics from portfolio management to wealth transfer, to philanthropic pursuits.
We work with ultra-high-net-worth individuals, corporate executives, business executives, business founders, and privately held businesses.
We work with ultra-high-net-worth individuals, corporate executives, business executives, business founders, and privately held businesses.
Insurance Planning Director (IPD)
I have been an insurance license agent for life and sickness for over 20 years. In 2020, I attained the insurance planning director designation with Morgan Stanley. As an insurance planning director, not only can I work with my clients for comprehensive insurance reviews and planning, but also serve as a strategic partner with other advisors in Morgan Stanley who may need to rely on my knowledge in more complex client situations.
A sound wealth plan involves more than seeking investment returns. It involves mitigating and managing risk, helping you plan for the unknown
A sound wealth plan involves more than seeking investment returns. It involves mitigating and managing risk, helping you plan for the unknown
Multifaceted & Experienced
My experience in the financial word and my past studies in medicine merge to create a distinctive strength that differentiates my practice from others in this industry. Through my medical background, I take a behavioral approach in communicating with my clients which, over time, strengthens our relationship.
Global View
In my work, I rely often times on life-long relationships that I have cultivated at a global level. Aside from our focus and experience within the US markets, we approach portfolio management from a macro-view of world-wide events. I maintain a network of professionals across the globe, with whom I consult and, at times, rely on for valuable and diverse perspectives.
Client Resources, Offerings and Morgan Stanley Insights
Below are a few of the applications and resources we leverage in working with you. These tools are meant to transform complex financial situations into concise and easily digestible content. In addition, I've provided some helpful insights regarding the markets, our firm's offerings, as well as some timely advice and educational pieces on various elements in finance.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Brochure for Cash Management and Lending Capabilities
Learn more about our cash management and lending offerings available exclusively to Morgan Stanley clients.
Private Banking Brochure
Cash Plus
Enjoy unlimited ATM fee rebates worldwide with the Morgan Stanley Debit Card, along with no foreign transaction fees, no cash advance fees, unlimited check writing, and more.
Get Started Today
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Online Scheduling Link
Scheduling a meeting with our team is now available at your fingertips. Easily request to book a time that works for you. Once confirmed by my team, the meeting details will be added to my calendar. You will have the option to select a topic for us to discuss, ensuring that our meeting is tailored to your needs.
Schedule Here
A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express Exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
Terms apply. Learn More.
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
eSign
eSign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
View the eSign Client Guide
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
eAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Enroll TodayeAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Location
3280 Peachtree Rd NE
Suite 1900
Atlanta, GA 30305
US
Direct:
(404) 266-6946(404) 266-6946
Toll-Free:
(800) 688-6002(800) 688-6002
Fax:
(470) 427-0178(470) 427-0178
Meet My Team
About Zach Furr
In June of 2022, Zach Furr began his career at Morgan Stanley as a Client Service Associate. Zach earned a Master of Science in Marketing and a Bachelor of Science in Finance from the University of Alabama. In his role, Zach works closely with Raluca in helping to deliver comprehensive asset management strategies, account onboarding, banking & lending services, and cash flow management strategies.
Since starting his career at Morgan Stanley, Zach has obtained both his FINRA Series 7 and 66 Securities Licenses, as well as insurance licenses, including life, accident, and sickness. Zach’s passion for finance and marketing is evident through his drive to explore innovative strategies, analyze market data, and seek out opportunities for growth. His communication and organizational skills also enable him to effectively cater to the needs of the team’s clients.
Originally from Alpharetta, Zach now resides in the heart of Buckhead. Outside of work, he enjoys exploring the city of Atlanta, spending quality time with friends and family, as well as perfecting his skills on the golf course. Zach is also an avid traveler and enjoys adventuring to different parts of the world.
Since starting his career at Morgan Stanley, Zach has obtained both his FINRA Series 7 and 66 Securities Licenses, as well as insurance licenses, including life, accident, and sickness. Zach’s passion for finance and marketing is evident through his drive to explore innovative strategies, analyze market data, and seek out opportunities for growth. His communication and organizational skills also enable him to effectively cater to the needs of the team’s clients.
Originally from Alpharetta, Zach now resides in the heart of Buckhead. Outside of work, he enjoys exploring the city of Atlanta, spending quality time with friends and family, as well as perfecting his skills on the golf course. Zach is also an avid traveler and enjoys adventuring to different parts of the world.
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
Brian Ford
Private Banker
About Brian Ford
NMLS# 687710
Brian Ford is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
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.
Brian Ford began his career in financial services in 2006, and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he served as a Regional Private Banker at Wells Fargo, as well as a Financial Advisor at Ameriprise Financial.
Brian is a graduate of the Georgia Institute of Technology, where he received a Bachelor of Science in Management. He and his family reside in Cumming, Georgia. Outside of the office, Brian dedicates his time to developing future leaders in youth athletics, serving as a Coach on his children’s baseball teams. When not on the field, he also enjoys running, traveling, watching sports, and spending time with his family.
Brian Ford is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
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.
Brian Ford began his career in financial services in 2006, and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he served as a Regional Private Banker at Wells Fargo, as well as a Financial Advisor at Ameriprise Financial.
Brian is a graduate of the Georgia Institute of Technology, where he received a Bachelor of Science in Management. He and his family reside in Cumming, Georgia. Outside of the office, Brian dedicates his time to developing future leaders in youth athletics, serving as a Coach on his children’s baseball teams. When not on the field, he also enjoys running, traveling, watching sports, and spending time with his family.
NMLS#: 687710
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?
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
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 Raluca Bighiu 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.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 (“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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
9Investors 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 (“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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
9Investors 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
