First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(757) 493-2115(757) 493-2115
Rodman-Moore Group at Morgan Stanley
Direct:
(757) 493-2100(757) 493-2100
Our Mission Statement
At the Rodman-Moore Group, we combine a tailored client approach with the world-class resources of Morgan Stanley to focus on clients’ lifestyle and legacy. We strive to create a plan that satisfies your future needs without sacrificing the quality of your life today or tomorrow, while seeking to eliminate as much financial anxiety as possible.
Our Story and Services
At the Rodman-Moore Group, we combine a tailored client approach with the world-class resources of Morgan Stanley to focus on clients’ lifestyle and legacy. We strive to create a plan that satisfies your future needs without sacrificing the quality of your life today or tomorrow, while eliminating as much financial anxiety as possible.
Retirement may comprise half of an adult life, and clients often don’t have a well-defined view of their golden years. Many aren’t prepared for the freedom and challenges it brings. So, beyond providing financial guidance, we help clients visualize their retirement—and understand the opportunities available— so they can better imagine how they want to spend the rest of their lives. By doing so, we’re trying to change the concept of what traditional retirement planning encompasses.
Our Financial Advisors possesses an in-depth knowledge of financial planning, estate planning and capital markets. Our team includes a CERTIFIED FINANCIAL PLANNER® who's met rigorous education and training standards and has demonstrated a competency in comprehensive financial planning. Each plan we develop is different because each client is different. Simply put, we feel generic financial planning and asset allocation models aren’t in the best interests of our clients.
Our group works with a broad range of clients, including corporate professionals, civil service workers, small business owners, multi-generational families and others. Many have been clients for decades. Most clients are either approaching retirement or already retired; we encourage prospective clients to consider retirement planning sooner than later. To provide an ideal level of personalized, attentive service, we limit the size of our clientele.
We invite you to learn more about what our group offers and welcome the opportunity to have a conversation with you.
Retirement may comprise half of an adult life, and clients often don’t have a well-defined view of their golden years. Many aren’t prepared for the freedom and challenges it brings. So, beyond providing financial guidance, we help clients visualize their retirement—and understand the opportunities available— so they can better imagine how they want to spend the rest of their lives. By doing so, we’re trying to change the concept of what traditional retirement planning encompasses.
Our Financial Advisors possesses an in-depth knowledge of financial planning, estate planning and capital markets. Our team includes a CERTIFIED FINANCIAL PLANNER® who's met rigorous education and training standards and has demonstrated a competency in comprehensive financial planning. Each plan we develop is different because each client is different. Simply put, we feel generic financial planning and asset allocation models aren’t in the best interests of our clients.
Our group works with a broad range of clients, including corporate professionals, civil service workers, small business owners, multi-generational families and others. Many have been clients for decades. Most clients are either approaching retirement or already retired; we encourage prospective clients to consider retirement planning sooner than later. To provide an ideal level of personalized, attentive service, we limit the size of our clientele.
We invite you to learn more about what our group offers and welcome the opportunity to have a conversation with you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR FIRST MEETING
At Morgan Stanley, we believe in first understanding your individual financial situation, goals, objectives and risk tolerance. This allows us to create a personalized solution that aligns with your priorities and needs.
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs.
The Rodman-Moore Group
As your life evolves and your prosperity expands, the importance of consulting with an advisory team adept at managing the complexities of wealth and the opportunities it brings increases.
1. Get to Know You
When we meet initially, we want to get to know you as an individual. While you may share characteristics of other clients, you're unique in your own way.
2. Look at the Big Picture
This means understanding where you've been in the past, and how you've evolved into where you're at now. It includes exploring your current goals, present lifestyle and future aspirations, as well as openly discussing any underlying worries or complications you might have. We'll encourage you to look at the big picture of your life—not just the next 12 months.
3. Start Developing Your Plan
We'll also review important financial information, such as your portfolio, current budget, spending patterns, savings rates and debt management. We'll use this information along with the other insights we've learned to start developing your plan.
4. Trust Matters to Us
Having your trust matters to us. We want you to feel comfortable with our team—and confident about your plan. So, we encourage you to ask questions and seek clarity. We'll respond in an understandable, detailed manner until you feel satisfied. After all, we're working for you.
FINANCIAL PLANNING
Our services revolve around the mantra of lifestyle and legacy.
For pre-retirees or those in the "accumulation" phase of their lives, we provide financial planning, portfolio management and other types of strategic guidance to assist you with balancing your current lifestyle with future needs. We focus on longer-term investment trends, and offer a macro perspective about how these trends have evolved and why short-term market volatility is normal. Importantly, we look to ensure the financial decisions you make today give you greater flexibility in the future—often a key to lasting success.
For retirees or those close to retirement in the "distribution" phase, we'll design a road map for the next phase of your lives, including legacy planning. We'll transition your current portfolio to allow it to generate predictable income over market cycles and be in the position to take advantage of longer-term market volatility.
No matter if you're in the accumulation or distribution phase, we can coordinate with your other trusted advisors—such as your estate attorney or CPA—to assess if your estate and tax planning align with your goals, and to help prevent any leakage of information between your advisors.
During the planning process, we'll prompt you to envision how to employ the assets you worked your entire life to accumulate. Perhaps you'll use it to travel, buy a vacation home, continue your education, become a philanthropist, provide for future generations, start a small business, develop new hobbies or engage in other endeavors. We feel there are more meaningful ways to spend your golden years than checking your account balances every day, and we want to prepare you as well as we can for an enjoyable, rewarding retirement.
After we design your plan, we'll present our ideas, make the necessary adjustments and then begin the implementation process. A critical component we provide is ongoing plan monitoring. Modifications to your plan may be needed from time to time—based on life changes, market situations, time horizons or new goals—to help keep it on track.
These follow-up adjustments can be crucial to your plan's success—sometimes even more important than the original plan. As part of the design process, we strive to build in as much flexibility as possible so clients have the opportunity to make changes as necessary.
Cracking Your Nest Egg
You have spent a lifetime preparing for that phase of life where work becomes optional (hopefully). It has been years of consistent investing, riding the ups and downs of the markets and now it is time to start looking at using those assets to fund the next phase of your life.
Charitable Giving
Not only is charitable giving a great way to help others, but it can also provide exceptional tax breaks. Whether giving to a local foundation or gifting a 529 to a loved one, we can help you maximize your tax deductions.
Consulting Group
Access to our Consulting Group, which leverages global resources from across the firm to provide you with advice and investment manager analysis, while bringing you personalized advice and strategies designed to help you meet you investment goals,
Banking & Lending
Never worry about running low on cash. With our banking and lending services you can always access your accounts and get quick access to funds for financing a home purchase or any of your other needs.
Goals Based Planning
We design your plan based on your financial aspirations and the life goals you aim to achieve. Wherever you want to go in life, we will help you construct a portfolio to help guide you there.
With constant monitoring of your financial plan we are also able to identify if we fall off track from meeting your goals or even adapt your plan as your goals change.
Investment Philosophy
Our investment philosophy is client-based, and our approach is goal-based.
We help build plans designed to address the current needs of clients, along with any future or legacy-based objectives they may have. Our primary aspiration is to design an investment approach that's tailored to your needs, goals and risk tolerance.
We encourage clients to focus on the horizon instead of things they can't control—such as the day-to-day movements of the market. Our understanding of market cycles helps us construct plans that can work with short-term volatility within portfolios while providing a consistent income stream.
Most investment models are designed for various levels of risk tolerance. Our approach for retirement is designed around a tailored cash-flow model that's custom made for each client's income needs. We typically begin this process by looking at all potential income sources in retirement—such as payments from Social Security, annuities, pensions, rentals, etc. We'll then consider your retirement lifestyle and project your annual expenses, as well as craft an asset allocation model and screen your investments. The difference between the two shows us how much money your investment portfolio will need to generate each year to account for this deficit.
Based on this information, we'll design the allocation to help meet your current income needs, and provide opportunities for future growth. Taking this approach serves a variety of objectives. It bridges the gap between your annual income and expenses. It can provide clarity about how much cash flow you'll generate annually going forward—without having to worry about short-term market fluctuations. And it potentially presents the option to sell some of your stock holdings at advantageous times—instead of being forced to liquidate them during unfavorable markets in order to pay your expenses.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
CLIENT RESOURCES
Discover a wealth of valuable information and resources at your fingertips. This tab is designed to provide everyone with convenient access to helpful articles and other essential resources. We hope you'll return often to learn more about the topics that impact your overall wealth.
Morgan Stanley Online
Be in control of all your finances with Morgan Stanley Online and Morgan Stanley Mobile App. Track your spending, create budgets, deposit checks, and pay bills are just a few things you can do. Take advantage of additional features like current news and market data.
Gifting Money to Children and Family Members
As you consider financial gifts to children or other family members, you may also want to think about how you'd like your gifts to be used. Let's discuss options to consider.
Morgan Stanley Money Movement Instructions
Our step by step guide lays out the foundation and walks you through the process of transferring money from Morgan Stanley to another bank or vice versa.
529 Plans
Morgan Stanley offers a variety of 529 plan options to help you save for college and other education expenses, while taking advantage of tax and estate planning benefits.
Banking & Lending
Never worry about running low on cash. With our banking and lending services you can always access your accounts and get quick access to funds for financing a home purchase or any of your other needs.
Total Wealth View
Keeping track of your finances may be difficult when you have multiple accounts at other financial institutions. Total Wealth View allows you to consolidate them on the Morgan Stanley Mobile App or Morgan Stanley Online to give you a more complete financial picture. This can help your confidence in your finances and planning for the future.
Location
222 Central Park Ave Twn Ctr 18fl
Virginia Beach, VA 23462
US
Direct:
(757) 493-2100(757) 493-2100
Meet Rodman-Moore Group
Phone:
(757) 493-2127(757) 493-2127
Jennifer Cornforth
Senior Registered Associate
Phone:
(757) 493-2110(757) 493-2110
About J. Howard Rodman, Jr.
Howard Rodman is a First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager at Morgan Stanley.
Since 1982, Howard has provided comprehensive financial planning for high-net-worth individuals, qualified retirement accounts and foundations. This includes asset allocation, portfolio management, estate planning strategies , business continuation planning and divorce financial planning. At Morgan Stanley, he primarily focuses on retirement income planning.
Howard began his lengthy career at Dean Witter (now Morgan Stanley) and has worked for several leading financial firms. He returned to Morgan Stanley in 2008 because the firm gives Financial Advisors the flexibility to work with clients in a manner that’s appropriate for each individual.
Howard became a Financial Advisor because he enjoys assisting others—especially managing unique or challenging situations for clients. He relies on his extensive experience which gives him an understanding of how to navigate issues that could undermine a client’s financial success. Howard’s greatest satisfaction comes from structuring plans that reduce a client’s financial anxiety and helps allow them to focus on their lives instead of their finances.
He graduated from Hampden-Sydney College with a Bachelor of Arts degree in economics in 1982. Howard’s professional accreditations include being a CERTIFIED FINANCIAL PLANNER™, Certified Divorce Financial Analyst®, and Accredited Estate Planner, National Association of Estate Planners and Councils.
Highly active in the community, Howard has supported numerous local organizations, including currently being a Board of Director for the Norfolk SPCA Adoption Center. His passion for charitable work was evident when he designed and led PaineWebber’s Philanthropic Services Group from 1996-1999.
Born in Portsmouth, Virginia, Howard lives with his wife in Virginia Beach. His hobbies have included photography, woodturning, cooking, golf, scuba diving and flying.
Since 1982, Howard has provided comprehensive financial planning for high-net-worth individuals, qualified retirement accounts and foundations. This includes asset allocation, portfolio management, estate planning strategies , business continuation planning and divorce financial planning. At Morgan Stanley, he primarily focuses on retirement income planning.
Howard began his lengthy career at Dean Witter (now Morgan Stanley) and has worked for several leading financial firms. He returned to Morgan Stanley in 2008 because the firm gives Financial Advisors the flexibility to work with clients in a manner that’s appropriate for each individual.
Howard became a Financial Advisor because he enjoys assisting others—especially managing unique or challenging situations for clients. He relies on his extensive experience which gives him an understanding of how to navigate issues that could undermine a client’s financial success. Howard’s greatest satisfaction comes from structuring plans that reduce a client’s financial anxiety and helps allow them to focus on their lives instead of their finances.
He graduated from Hampden-Sydney College with a Bachelor of Arts degree in economics in 1982. Howard’s professional accreditations include being a CERTIFIED FINANCIAL PLANNER™, Certified Divorce Financial Analyst®, and Accredited Estate Planner, National Association of Estate Planners and Councils.
Highly active in the community, Howard has supported numerous local organizations, including currently being a Board of Director for the Norfolk SPCA Adoption Center. His passion for charitable work was evident when he designed and led PaineWebber’s Philanthropic Services Group from 1996-1999.
Born in Portsmouth, Virginia, Howard lives with his wife in Virginia Beach. His hobbies have included photography, woodturning, cooking, golf, scuba diving and flying.
Securities Agent: TX, NM, NY, MS, NC, KS, FL, MN, MD, PA, MA, SC, WI, CA, WA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1274457
NMLS#: 1274457
About JT Moore
JT Moore is a Financial Advisor at Morgan Stanley. With his Financial Planning Specialist designation, he focuses on taking a holistic view of a client’s financial picture, and assists them with managing their wealth, establishing goals and managing risks.
JT became a Financial Advisor because he enjoys making a positive impact on the lives of others—including helping clients solve financial challenges that often create worry, and finding answers to questions they may not even realize they have.
An accomplished professional with a diverse background, JT spent eight years working with the U.S. Navy. As a Contracting Officer, he initially supported shipbuilding/ship repair commands, and later Naval Special Warfare Commands. Prior to federal service work, he worked in the Clerk’s Office Staff of the Virginia House of Delegates.
These experiences enabled JT to develop one of his core strengths. Namely, being a process-oriented individual who’s adept at navigating heavily regulated, complex spaces with repeatable success—which aligns well with his current role as a Financial Advisor.
JT graduated from Virginia Commonwealth University in 2013 with a Bachelor of Arts degree in history and U.S. foreign policy. He furthered his education by receiving an MBA Essentials professional certificate from the University of Illinois Gies College Of Business in 2020.
A Virginia Beach native, JT now lives in Norfolk with his wife, Sydney, and their black Labrador retriever, Hank. He continues his commitment to serving our country as a U.S. Navy Reserve Supply Corps Officer and by giving his time to the Hampton Roads Chapter of the Navy Supply Corps Foundation.
JT is a music lover who plays a wide range of musical instruments, including guitar, piano and brass. He loves to travel, and enjoys a spectrum of recreational activities, such as running, cycling, golf, surfing, scuba diving, soccer, disc golf, hiking and camping.
JT became a Financial Advisor because he enjoys making a positive impact on the lives of others—including helping clients solve financial challenges that often create worry, and finding answers to questions they may not even realize they have.
An accomplished professional with a diverse background, JT spent eight years working with the U.S. Navy. As a Contracting Officer, he initially supported shipbuilding/ship repair commands, and later Naval Special Warfare Commands. Prior to federal service work, he worked in the Clerk’s Office Staff of the Virginia House of Delegates.
These experiences enabled JT to develop one of his core strengths. Namely, being a process-oriented individual who’s adept at navigating heavily regulated, complex spaces with repeatable success—which aligns well with his current role as a Financial Advisor.
JT graduated from Virginia Commonwealth University in 2013 with a Bachelor of Arts degree in history and U.S. foreign policy. He furthered his education by receiving an MBA Essentials professional certificate from the University of Illinois Gies College Of Business in 2020.
A Virginia Beach native, JT now lives in Norfolk with his wife, Sydney, and their black Labrador retriever, Hank. He continues his commitment to serving our country as a U.S. Navy Reserve Supply Corps Officer and by giving his time to the Hampton Roads Chapter of the Navy Supply Corps Foundation.
JT is a music lover who plays a wide range of musical instruments, including guitar, piano and brass. He loves to travel, and enjoys a spectrum of recreational activities, such as running, cycling, golf, surfing, scuba diving, soccer, disc golf, hiking and camping.
Securities Agent: MS, CT, KS, WA, VA, NY, WI, TX, FL, PA, MN, NM, CA, SC, NC, MD, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2549345
NMLS#: 2549345
About Jennifer Cornforth
Jennifer handles technical and administrative issues for the team with over 30 years of investment experience. A graduate of Simmons College with a degree in Finance/Management, she is Series 7 registered and has worked with the Group since 1994 as one of the founding members of the Norfolk office of Legg Mason. She is married and lives in Virginia Beach.
Contact J. Howard Rodman, Jr.
Contact JT Moore
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
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Ready to start a conversation? Contact Rodman-Moore 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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)
