Ryan D. Suvoy
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Lending Specialist
Phone:
(541) 772-0258(541) 772-0258
Ryan D. Suvoy
Executive Director,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(541) 772-0258(541) 772-0258
Toll-Free:
(800) 547-1741(800) 547-1741
Industry Award WinnerMy Mission Statement
My wealth advisory practice is focused on assisting clients to organize & simplify their financial lives, re-create a paycheck in retirement, and preserve & grow wealth in order to achieve security and a lasting legacy.
Welcome
As your Financial Advisor, I will help you define and meet your financial goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together I can help you seek to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Together we can build a customized plan tailored toward you and your financial goals. By leveraging Morgan Stanley's world class resources, we aim to help you make better-informed financial decisions to both grow and preserve your assets.
Together we can build a customized plan tailored toward you and your financial goals. By leveraging Morgan Stanley's world class resources, we aim to help you make better-informed financial decisions to both grow and preserve your assets.
Awards & Recognitions
- Morgan Stanley Master’s Club Member: 2023, 2024, and 2025
- Morgan Stanley Century Club Member: 2017 - 2022
- Morgan Stanley Pacesetters – 2011, 2012
- Smith Barney Blue Chip Council – 2007, 2008
- Morgan Stanley Wealth Management Master’s, Century, and Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Master’s, Century, and Pacesetter's Club membership is no guarantee of future performance.
Securities Agent: GA, UT, ME, WA, NV, NM, MT, CO, HI, OH, LA, OR, TX, MA, CT, MN, ID, AZ, VA, SD, NY, NE, MD, DC, IA, CA, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297756
NMLS#: 1297756
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Holistic Approach
I can assist you with a specific financial requisite or develop a comprehensive strategy that considers virtually every element of your financial needs and desires. My approach examines your wealth from all angles to help create strategies intended to help you pursue your financial goals and help prepare for unexpected life events.
Discovery & Goal Setting
Let's start with an in-depth conversation to clarify and determine your wants, needs, and values. It is critical for me to fully comprehend all aspects of your life that influence your financial decisions and goals. Everyone is unique, so every financial plan should be as well.
Analysis, Strategy, and Planning
We use a variety of financial planning and risk analysis tools to perform a thorough review of your financial status. We then create a thorough financial strategy designed to help you in creating, preserving, and transferring wealth in accordance with your goals.
Implementation
Your assets will be transferred to Morgan Stanley once you give your approval. We start implementing the additional techniques we described in your plan once they are in line with your investment strategy.
Ongoing Monitoring
Maintaining & strengthening our relationship is of top priority. We keep in touch with you frequently to give you account updates. Additionally, we track your progress toward each of your objectives and modify your financial strategy as necessary as things change in your life.
Core Capabilities
As your financial advisor, I can assist you pursue your financial objectives no matter what stage of life you're in—whether you're advancing in your profession, taking advantage of retirement, or anywhere in between.
We can work with you to develop a realistic, all-encompassing strategy that incorporates the numerous facets of your financial life, including your investment and cash management needs, using a set of tools that includes goal-specific analyses.
To help you pursue and preserve your goals, we can develop a personal road map for you. This framework can help you make the connection between your aspirations for the future and your financial resources.
We can work with you to develop a realistic, all-encompassing strategy that incorporates the numerous facets of your financial life, including your investment and cash management needs, using a set of tools that includes goal-specific analyses.
To help you pursue and preserve your goals, we can develop a personal road map for you. This framework can help you make the connection between your aspirations for the future and your financial resources.
Financial & Retirement Planning
• Balance sheet analysis
• Retirement planning
• Education planning
• Estate planning strategies
• Multigenerational planning
• IRAs: Traditional, Roth, SEP, SIMPLE
• Lifestyle Services
• IRA rollovers
• Roth conversions
• Retirement planning
• Education planning
• Estate planning strategies
• Multigenerational planning
• IRAs: Traditional, Roth, SEP, SIMPLE
• Lifestyle Services
• IRA rollovers
• Roth conversions
Family Legacy. Governance & Education Planning
• Estate planning strategies
• Legacy planning
• Work with your accountant and attorney
• Family gifting
• 529 plans
• Custodial accounts
• Family gifting
• Legacy planning
• Work with your accountant and attorney
• Family gifting
• 529 plans
• Custodial accounts
• Family gifting
Business Services & Investments
• Estate planning strategies
• Legacy planning
• Work with your accountant and attorney
• Asset allocation
• Investment management
• Traditional investments
• Alternative investments
• Advisory accounts
• Legacy planning
• Work with your accountant and attorney
• Asset allocation
• Investment management
• Traditional investments
• Alternative investments
• Advisory accounts
Risk Management
• Life and disability income insurance
• Life insurance trusts
• Long-term care insurance
• Tax management strategies
• Concentrated stock positions
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
• Life insurance trusts
• Long-term care insurance
• Tax management strategies
• Concentrated stock positions
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Modern Wealth Tools
The extensive collection of digital resources from Morgan Stanley has been thoughtfully created to support the improvement of every facet within your financial portfolio. Spend some time learning about some of the numerous resources for modern wealth management that we provide to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource.
Learn more about Morgan Stanley OnlinePortfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
Learn more about Goals-Based PlanningA commitment to community
I am actively engaged in creating a better and brighter future, both locally and regionally. I have supported a number of vital groups within our local and business communities. Today, I am actively supporting the following organizations:
Location
3103 Signature Court
Ste 101
Medford, OR 97504
US
Direct:
(541) 772-0258(541) 772-0258
Toll-Free:
(800) 547-1741(800) 547-1741
Fax:
(541) 773-1720(541) 773-1720
Meet My Team
Christine Musillo
Registered Client Services Associate
Phone:
(541) 772-0227(541) 772-0227
V.J. Chin
Client Service Associate
Phone:
(541) 772-0243(541) 772-0243
About Ryan D. Suvoy
Ryan Suvoy is a Senior Vice President, Financial Advisor, and Senior Portfolio Management Director at Morgan Stanley. Based in Medford, Oregon, he has 20 years of experience running a Wealth Management practice for Morgan Stanley and its predecessor firms.
Ryan creates investment strategies tailored specifically to each individual client and their needs. He believes in deep, caring relationships and spending time to understand what is important to each client to help align their investments with their objectives and appetite for risk.
Ryan received his BS in Economics with Honors from the University of Oregon. During his time at the University of Oregon, Ryan wrote an Honors Thesis on the topic of Experimental & Behavioral Economics. Ryan has a passion for understanding the emotions and psychology of investing in order to be the calm voice and steady hand during volatile times, helping clients achieve an increased comfort level in an uncertain world.
Ryan currently resides in Southern Oregon with his wife, Nancy, and their three children. Outside of work, he spends most of his free time with his wife chasing after their two young boys and new baby girl, supporting their various activities. Ryan also has a passion for fitness, golf, the outdoors, and supporting his local community.
Ryan creates investment strategies tailored specifically to each individual client and their needs. He believes in deep, caring relationships and spending time to understand what is important to each client to help align their investments with their objectives and appetite for risk.
Ryan received his BS in Economics with Honors from the University of Oregon. During his time at the University of Oregon, Ryan wrote an Honors Thesis on the topic of Experimental & Behavioral Economics. Ryan has a passion for understanding the emotions and psychology of investing in order to be the calm voice and steady hand during volatile times, helping clients achieve an increased comfort level in an uncertain world.
Ryan currently resides in Southern Oregon with his wife, Nancy, and their three children. Outside of work, he spends most of his free time with his wife chasing after their two young boys and new baby girl, supporting their various activities. Ryan also has a passion for fitness, golf, the outdoors, and supporting his local community.
Securities Agent: GA, UT, ME, WA, NV, NM, MT, CO, HI, OH, LA, OR, TX, MA, CT, MN, ID, AZ, VA, SD, NY, NE, MD, DC, IA, CA, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
About Christine Musillo
Christine has been with Morgan Stanley for almost three years. In that time, she has gained a wide base of knowledge as well as becoming fully registered. She continues to assist clients with their service related and administrative items. She excels in developing relationships with clients and meeting their needs.
She has worked in several different fields including a non-profit to fulfill her love of serving. Public speaking and personnel management are a few of the many skills she brings to her day-to-day work.
Christine and her husband of 30 years have eight children and six grandchildren that keep them very busy. When not working, Christine can be found on the sidelines at her children’s sporting events or at her quilting machine. Christine is available full-time Monday through Friday. Feel free to email Christine at christine.musillo@ms.com or call her directly at 541-772-0227.
She has worked in several different fields including a non-profit to fulfill her love of serving. Public speaking and personnel management are a few of the many skills she brings to her day-to-day work.
Christine and her husband of 30 years have eight children and six grandchildren that keep them very busy. When not working, Christine can be found on the sidelines at her children’s sporting events or at her quilting machine. Christine is available full-time Monday through Friday. Feel free to email Christine at christine.musillo@ms.com or call her directly at 541-772-0227.
About V.J. Chin
VJ Chin relocated to Southern Oregon in 2005. Born and raised in New York City, she moved from the Bay Area to Ashland with her husband to start a family.
VJ is responsible for marketing and communications, as well as refining systems and processes within Ryan's practice to ultimately help improve client engagement and client experience.
VJ’s history includes working in advertising and high tech. She was employed with Cisco Systems for 23 years in multiple roles and finished her career with Cisco as an Acquisitions Integrations Manager.
When not working, VJ is a busy mother to two boys, volunteering in Scouting, entertaining, and snowboarding with her family.
VJ works part-time and is generally available Tuesday through Thursday. Feel free to email VJ at vj.chin@ms.com or call her directly at 541-772-0243.
VJ is responsible for marketing and communications, as well as refining systems and processes within Ryan's practice to ultimately help improve client engagement and client experience.
VJ’s history includes working in advertising and high tech. She was employed with Cisco Systems for 23 years in multiple roles and finished her career with Cisco as an Acquisitions Integrations Manager.
When not working, VJ is a busy mother to two boys, volunteering in Scouting, entertaining, and snowboarding with her family.
VJ works part-time and is generally available Tuesday through Thursday. Feel free to email VJ at vj.chin@ms.com or call her directly at 541-772-0243.
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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
Ian McCormick
Private Banker
About Ian McCormick
Ian McCormick is a Private Banker serving Morgan Stanley Wealth Management offices in Oregon.
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.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
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.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
NMLS#: 845310
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
From My Desk
A Simple Six-Step Retirement Checkup
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
A Simple Six-Step Retirement Checkup
Article Image
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
Rational Investing in an Age of Uncertainty
Article Image
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
529 Plans: A Powerful Tool to Save for Education
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
Ready to start a conversation? Contact Ryan D. Suvoy today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
2Morgan 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
5Investors 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.
6Alternative 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.
7Morgan 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
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 and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
2Morgan 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
5Investors 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.
6Alternative 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.
7Morgan 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
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 and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
