Senior Vice President, Wealth Management, Wealth Advisor, Senior Investment Management Consultant
Phone:
(714) 674-4147(714) 674-4147
Rathmell Mooney Anderson Group at Morgan Stanley
Direct:
(714) 674-4100(714) 674-4100
Our Mission Statement
Our goal is to help you and your family pursue financial independence and empower you to leave a lasting legacy.
Our Story and Services
The Rathmell Mooney Anderson Group focuses on developing and implementing financial plans for clients using risk and goal analysis, and asset allocation. We can build investment portfolios using an array of investment vehicles including institutional money managers, fixed income securities, equity securities, mutual funds, annuities, life insurance, alternative investments, and more.
The team works with a range of clients including wealthy individuals, families, business owners, and executives, to support them with retirement planning. In addition to having access to Morgan Stanley's state-of-the-art resources and capabilities, we have access to world class economic analysts, as well as, tax and estate planning specialists. These resources allow us to assist investors in making educated and timely financial decisions. We also have extensive training and experience in analyzing an individual’s financial situation which provides us with the ability to recommend a plan of action to help investors meet their near and long-term goals.
The team works with a range of clients including wealthy individuals, families, business owners, and executives, to support them with retirement planning. In addition to having access to Morgan Stanley's state-of-the-art resources and capabilities, we have access to world class economic analysts, as well as, tax and estate planning specialists. These resources allow us to assist investors in making educated and timely financial decisions. We also have extensive training and experience in analyzing an individual’s financial situation which provides us with the ability to recommend a plan of action to help investors meet their near and long-term goals.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Planning for Education FundingFootnote4
- Wealth ManagementFootnote5
- Asset Management
- Philanthropic ManagementFootnote6
- 401(k) Rollovers
- Qualified Retirement PlansFootnote7
- 529 PlansFootnote8
- Planning for Individuals with Special Needs
- Professional Portfolio ManagementFootnote9
- Municipal BondsFootnote10
- Fixed IncomeFootnote11
- Exchange Traded FundsFootnote12
- Alternative InvestmentsFootnote13
- AnnuitiesFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Services
No matter what you want to achieve, I will work with you to provide ongoing, comprehensive planning and advice to help you succeed.
I am here to provide a wide array of services centered on your financial goals. I’ll create a customize strategy to meet your needs and provide access to specialists as needed.
I am here to provide a wide array of services centered on your financial goals. I’ll create a customize strategy to meet your needs and provide access to specialists as needed.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it’s become increasingly difficult. We’ll help you create a well-rounded planning approach for retirement. We are here to help identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Make the Most of Your Retirement Savings
Estate Planning
Estate planning is a strategy designed to protect, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. It will help protect your legacy and those you care about most. We will work closely with you to explore factors that are relevant to existing and/or future estate structures and strategies. We will collaborate with you, your external tax and legal advisors to formulate tax and estate strategies.
Tax, Trust and Estate Planning Overview
Educational Planning
529 Plans offer a tax-advantaged way to help save for education. Depending on the specific plan, you can choose from a range of investment strategies suited to your specific needs, objectives and time frame. We offer valuable expertise to help you incorporate an education savings plan into your overall investment strategy – while helping to minimize your tax liability and maintain your current lifestyle and long-term financial goals.
529 Plan Overview
Planning for Individuals with Special Needs
Individuals planning for their own financial well-being or the financial well-being of a family member with special needs face several challenges. We are here to help you design a financial and estate plan that provides for special needs without:
- Depriving other family members of a meaningful inheritance
- Placing other family members in a position of responsibility that they may not be prepared or willing to assume
- Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
Planning for Individuals with Special Needs- Depriving other family members of a meaningful inheritance
- Placing other family members in a position of responsibility that they may not be prepared or willing to assume
- Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
Risk Management
We take a holistic approach to managing your finances by identifying risk outliers and understanding the impact of market scenarios. We leverage Morgan Stanley’s Portfolio Risk Platform and the risk analytics integrated into their proprietary platform applications to leverage dynamic risk insights across thousands of risk factors. We are able to instantly analyze an entire portfolio, including assets held elsewhere, which helps identify and mitigate your risk.
Introducing the New Portfolio Risk Platform
Portfolio Management
We study investment trends and leverage the global resources of the firm to help you develop a personalized investment strategy. We’ll develop a customized portfolio to help meet your requirements for growth, income and wealth conservation within your risk constraints.
Portfolio Management OverviewWorking With You
Introduction
Our first step is to have a discussion to listen to your concerns and determine how we can benefit you. Since every advisor is not the best fit for every potential client, we discuss our methodology as well as our fee structure. If we agree to continue, we set up our next appointment and request important financial information.
Discovery
We continue the conversation that was started in the introduction, gaining insight into the values that guide your choices and recognize any considerations related to your wealth. The financial information is then reviewed so we can establish your priorities and deadlines.
Analysis & Plan Development
Here, we employ industry-leading financial tools to help create a customized-financial plan with concrete suggestions aimed at helping you grow, expand, and preserve your wealth. This serves as the foundation for establishing your initial strategy and your guide for future wealth management choices.
Plan Presentation
In this phase, we present you with your financial plan that features an investment portfolio that corresponds with your objectives, timeline, and risk tolerance. Additionally, we cover other wealth management options, such as risk management approaches and estate planning strategies.
Implementation
Once you approve of our proposed financial plan, we initiate the strategies outlined in the financial plan. Once your assets are transferred to Morgan Stanley and are consistent with your plan, we guide you through your new statement and provide you with all resources now at your disposal.
Ongoing Service & Care
We are dedicated to providing a first-class experience, we prioritize building long-lasting relationships that bring exceptional value to you and your family. We communicate with you frequently to provide updates on all accounts and manage your progress towards each of your goals, making modifications to your financial plan as needed to account for changes in your life.
Digital Tools Available for You
Morgan Stanley provides you with industry-leading financial tools on its technology platforms that are resilient, safe, efficient, fast and flexible. As a part of our services, these resources are readily available for all of our clients.
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
Total Wealth View
It's hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
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
Portfolio Risk Platform - Aladdin
Portfolio Risk Platform - Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Watch
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
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
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative InvestmentsValuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice . We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
2024 Federal Tax Table
In 2024, the IRS has implemented adjustments to the Federal Tax Table to account for inflation. To learn more about the change, click here.
2024 Federal Tax Tables
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 learn more about recent market updates, click here.
Morgan Stanley Research
2023 Federal Tax Table
Due to inflation, the IRS has adjusted the Federal Tax Table. For your convenience, we have included both tables with the updated changes. For your comparison, you can find the 2023 tax table below.
2023 Federal Tax Table
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible Morgan Stanley clients designed to deliver additional value beyond wealth management. The program provides access to exclusive offers and discounts from premium brands, as well as curated content from our partners and Morgan Stanley thought leaders.
Enroll in Reserved Living & Giving
Retirement Planning
Retirement planning is more than making the right investments. Align you financial goals to your lifestyle, today and all the days that follow. Learn how we can help you meet your retirement savings challenges with customized financial solutions.
View More Insights Here
A Six-Step Retirement Checkup
When market volatility arises, checking in on your retirement plan may make a lot of sense.
A Simple Six-Step Retirement Checkup
Goals-Based Planning: Stay On Track
Don't worry if your financial goals look out of reach now based on what you've saved. There are ways to adjust course that aren't as difficult as you may think.
What to Do If You are Off Track on Your Goals
Thoughts On The Market Podcast
With perspective 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.
Thoughts On The Market PodcastLocation
Ten Pointe Dr
Suite 400
Brea, CA 92821
US
Direct:
(714) 674-4100(714) 674-4100
Meet Rathmell Mooney Anderson Group
Mark Mooney, CFP®
Senior Vice President, Financial Advisor
Phone:
(714) 674-4120(714) 674-4120
Tamara Fischer-Larson
Portfolio Associate
Phone:
(714) 674-4129(714) 674-4129
About Charles Rathmell
Chip Rathmell is a Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®), Senior Vice President, Wealth Advisor, Senior Investment Management Consultant, and a second generation member of Morgan Stanley. He began his career at Morgan Stanley in 1993 and has been helping clients build and preserve their wealth by providing comprehensive wealth management strategies.
Chip focuses on developing and implementing financial plans for clients using risk and goal analysis, and asset allocation. He builds investment portfolios using an array of investment vehicles including institutional money managers, fixed income securities, equity securities, mutual funds, annuities, life insurance, alternative investments, and more.
Chip works with a range of clients including wealthy individuals, families, business owners, and executives, to support them with retirement planning. In addition to having access to Morgan Stanley's state-of-the-art resources and capabilities, Chip has access to world class economic analysts, as well as, tax and estate planning specialists. These resources allow him to assist investors in making educated and timely financial decisions. Chip also has extensive training and experience in analyzing an individual’s financial situation which provides him the ability to recommend a plan of action to help investors meet their near and long-term goals.
If you would like to learn more about Chip's services, please feel free to contact him directly to discuss possible financial solutions for your goals.
Chip focuses on developing and implementing financial plans for clients using risk and goal analysis, and asset allocation. He builds investment portfolios using an array of investment vehicles including institutional money managers, fixed income securities, equity securities, mutual funds, annuities, life insurance, alternative investments, and more.
Chip works with a range of clients including wealthy individuals, families, business owners, and executives, to support them with retirement planning. In addition to having access to Morgan Stanley's state-of-the-art resources and capabilities, Chip has access to world class economic analysts, as well as, tax and estate planning specialists. These resources allow him to assist investors in making educated and timely financial decisions. Chip also has extensive training and experience in analyzing an individual’s financial situation which provides him the ability to recommend a plan of action to help investors meet their near and long-term goals.
If you would like to learn more about Chip's services, please feel free to contact him directly to discuss possible financial solutions for your goals.
Securities Agent: PA, ME, OH, NC, DC, MA, AR, HI, MN, NJ, NM, UT, TN, IL, ID, CT, AL, OK, NY, MD, GA, FL, MO, WI, AK, MI, TX, WY, CA, OR, AZ, CO, IN, MT, NV, VA, WA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262081
CA Insurance License #: 0B34933
NMLS#: 1262081
CA Insurance License #: 0B34933
About Mark Mooney
Mark Mooney began his career with the firm in 1981 in the banking division as the manager of Sears Savings Bank in Downey, California. Mark was asked to join a very select team of retirement planners who had the honor of going out all across the United States to meet with many of the more than 500,000 Sears employees. This was when Sears consisted of Allstate Insurance, Coldwell Banker, Sears Bank and Dean Witter. Mark was able to travel to more than 30 states where he met with thousands of fellow employees to help guide them toward a successful retirement. Mark put his BA in Economics as a graduate of Wheaton College to great use in his role.
Mark has now passed more than 40 years with the same firm and has seen more than his share of corporate name changes during this time, but his job description has never changed. When Anne Mooney, his wife, joined him in 1999 it was with her encouragement that they both became Certified Financial Planners®. Anne worked with Mark for 20 years before her death in 2019. In Anne’s absence Mark was determined to keep the team approach by joining forces with Charles Rathmell and Paul Anderson. It was not long ago that Mark sat down for a lunch meeting with clients up in Seattle. This is a family that began their relationship with Mark when their father retired from Allstate in the early 1990’s. The father passed away several years ago, but seated around the table were four generations of his family all of whom are clients of ours. This is when you know for certain that you chose the right career.
Mark has now passed more than 40 years with the same firm and has seen more than his share of corporate name changes during this time, but his job description has never changed. When Anne Mooney, his wife, joined him in 1999 it was with her encouragement that they both became Certified Financial Planners®. Anne worked with Mark for 20 years before her death in 2019. In Anne’s absence Mark was determined to keep the team approach by joining forces with Charles Rathmell and Paul Anderson. It was not long ago that Mark sat down for a lunch meeting with clients up in Seattle. This is a family that began their relationship with Mark when their father retired from Allstate in the early 1990’s. The father passed away several years ago, but seated around the table were four generations of his family all of whom are clients of ours. This is when you know for certain that you chose the right career.
Securities Agent: MT, ID, AR, FL, CA, CO, HI, WA, MA, OK, VA, IL, NV, UT, AZ, DC, MI, NM, NY, PA, TN, WI, MD, IN, OH, AL, GA, OR, MO, MN, ME, NJ, NC, TX, AK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1454875
CA Insurance License #: 0A57993
NMLS#: 1454875
CA Insurance License #: 0A57993
About Paul Anderson
Paul Anderson has been working in banking since the late 1990’s and started his career as a financial advisor at Morgan Stanley in 2003. After several years working for Merrill Lynch, Paul returned to Morgan Stanley in 2020. Paul works with Individuals, small business owners and many C Suite executives. Paul has the privilege of helping people on their road to success, one goal at a time. Paul Graduated from University of California Irvine in 2002.
Paul lives in the Anaheim Colony in a 1924 Craftsman style home with his wife Jessica and their dog Scout. Paul’s passions are traveling with family, walking with Scout, and exploring new restaurants with his wife throughout Southern California. In December of 2023 Paul rang in the New Year at Epcot in Florida marking the 50th state visited with the family. Florida did not disappoint from Key West to Miami Beach, amazing.
Paul lives in the Anaheim Colony in a 1924 Craftsman style home with his wife Jessica and their dog Scout. Paul’s passions are traveling with family, walking with Scout, and exploring new restaurants with his wife throughout Southern California. In December of 2023 Paul rang in the New Year at Epcot in Florida marking the 50th state visited with the family. Florida did not disappoint from Key West to Miami Beach, amazing.
Securities Agent: MA, AK, AL, AR, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, MD, ME, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 557843
CA Insurance License #: 0E25373
NMLS#: 557843
CA Insurance License #: 0E25373
About Tamara Fischer-Larson
Tammy began working for Morgan Stanley in July 1991. She has considerable training and experience in operations and compliance. She has held numerous positions during her tenure with Morgan Stanley including receptionist, cashiering, wire operator, new accounts clerk, customer service associate, Branch Manager’s assistant, Operations Manager and Compliance Officer. Her function is that of an administrative manager. She has the responsibility of seeing that all aspects of your account are handled properly. She assists with developing and implementing financial plans for clients using risk and goal analysis, and asset allocation.
Outside of work, Tammy is a mother of 18 year old twin boys, and enjoys many family oriented activities including bowling, golfing, fishing, and boating. She also enjoys watching NASCAR and Football.
Outside of work, Tammy is a mother of 18 year old twin boys, and enjoys many family oriented activities including bowling, golfing, fishing, and boating. She also enjoys watching NASCAR and Football.
Contact Charles Rathmell
Contact Mark Mooney
Contact Paul Anderson
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Rathmell Mooney Anderson 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4When 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Investors 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.
9Morgan 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.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
13Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
14Annuities 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4When 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Investors 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.
9Morgan 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.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
13Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
14Annuities 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)
