Peter T Joseph
Vice President, Financial Advisor
Phone:
(570) 476-8539(570) 476-8539
Seventh Street Group at Morgan Stanley
Stroudsburg:
(570) 421-3100(570) 421-3100
Toll-Free:
(800) 445-2291(800) 445-2291
Our Mission Statement
Collaborating with you to provide actively managed solutions that align with your risk tolerance and help you achieve your goals.
Our Story and Services
Welcome to the Seventh Street Group at Morgan Stanley! With over 40 years of combined experience in the industry, we provide comprehensive planning and investment strategies tailored to help meet our clients' unique needs.
Based in Stroudsburg, PA, we have strong ties to the local community and love helping others grow and succeed! Combining knowledge with open communication, we've spent years building countless relationships simply by listening to the needs of our clients.
Whether you are looking to retire comfortably, preserve your capital, or grow your wealth, our team has the experience and resources to help you achieve your goals. We focus in financial plans, insurance, annuities, portfolio management, cash management and lending solutions. We look forward to being there for you!
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
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
Based in Stroudsburg, PA, we have strong ties to the local community and love helping others grow and succeed! Combining knowledge with open communication, we've spent years building countless relationships simply by listening to the needs of our clients.
Whether you are looking to retire comfortably, preserve your capital, or grow your wealth, our team has the experience and resources to help you achieve your goals. We focus in financial plans, insurance, annuities, portfolio management, cash management and lending solutions. We look forward to being there for you!
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
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
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Your goals, hopes and dreams are at the center of our work. That’s why we’ll plan to meet with you at length when you first begin working with us. We’ll ask smart questions and listen to what you say matters. Once we fully understand your situation, we’ll suggest ways to put your money to work.
Working with us, you can expect us to:
• Develop a detailed financial strategy based on your goals
• Set up a long-term wealth plan
• Take the emotion out of money moves, so you can make smart decisions
• Be flexible. When changes come to your life, or in the market, we’ll tweak your financial strategy.
• Set up a long-term wealth plan
• Take the emotion out of money moves, so you can make smart decisions
• Be flexible. When changes come to your life, or in the market, we’ll tweak your financial strategy.
Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:
• Tax specialist
• Trust attorney
• Insurance professional
• Family office
• Trust attorney
• Insurance professional
• Family office
Tools and Resources for You
We are committed to providing you with important information about managing your wealth effectively in the current market environment. We have listed some digital tools and resources below to help you enhance each aspect of your financial life.
Global Investment Committee on the Markets
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Read The Latest Report
Online Security Center
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do. Learn about our extensive security measures, resources, and idea in this constantly evolving landscape.
Learn More Here
Morgan Stanley Online:
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley App.
Enroll in Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View! By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
See Your Complete Financial Picture
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Learn About Digital Vault Here
Reserved Offers
Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. See our latest offers on lodging, dining, vehicles, and other products!
Explore HereA Strategy to Reach Your Goals
No matter what you want to achieve, my focus starts and ends with you. My aim is to understand your financial goals and work with you to create a plan designed to help you achieve them. We understand that your investment objectives and financial goals will evolve with the circumstances in your life, and your plan will change with it.
Creating Your Plan
My approach is to understand your unique needs and goals so our team can create a tailored plan. We are committed to providing guidance and support to help you achieve financial success.
Adaptable
The markets and your goals will change so we adjust your plan to stay on track.
Comprehensive
Our suite of investment products and services are designed to help meet a magnitude of your financial needs.
GPS
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Clieck Here To Learn More
Spending and Budgeting Tool
In collaboration with us, you gain access to Morgan Stanley's robust Spending and Budgeting tool, designed to provide you with insights into your cash flows across various internal and external accounts. It tracks spending patterns and produces an income and expense analysis to help you achieve your goals by adjusting your spending behavior when necessary.
Click Here To Learn More
Portfolio Risk Platform
This risk management platform offers an extensive range of risk assessment and reporting capabilities across various asset classes and security types in your portfolio. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More HerePlanning For Your Future
We understand that so many of life’s major decisions are determined by forces outside of an individual’s control - defining and enjoying a successful retirement does not have to be one of them. As you begin your retirement journey, I would be honored to be your guide through this rewarding and challenging period.
Understanding You
We will schedule a meeting so we can understand more of who you are and what are you goals. We will help define your idea of retirement, establishing goals, assessing your current resources, and analyzing saving vehicles options.
The Psychological Transition
There's more to retirement than just financial planning. We're here to ensure you're emotionally and mentally ready to settle down. We understand it can be difficult to step away from your career and begin a new phase of your life with an unknown future.
Taxes and Risk
Once we've established your goals for retirement, our team will assess the risk that can put a roadblock between you and your future. Many individuals worry about the amount of taxes they will have to pay once they stop working. A good tax management plan can potentially decrease the impact while helping you retain your returns.
Transitioning With You Through Each Phase
Retirement can be split into three phases: Early, Mid and Late. We will help you plan and adjust through each phase based on your needs at the moment. Our goal is to help ensure you enjoy the perks of retirements and bring you confidence with handling your wealth. We will actively monitor your financial plan and make any adjustments to stay on track, help you establish a routine and create tax efficient distribution strategies.
Location
701 Main St
Ste 501
Stroudsburg, PA 18360
US
Direct:
(570) 421-3100(570) 421-3100
Toll-Free:
(800) 445-2291(800) 445-2291
Meet Seventh Street Group
Nicole O'Malley
Associate Vice President, Financial Advisor, Insurance Planning Director, Financial Planning Specialist
Phone:
(570) 476-8542(570) 476-8542
Sherri Bartholomew
Portfolio Associate
Phone:
(570) 421-8531(570) 421-8531
About Peter T Joseph
Peter Joseph is a Vice President and Financial Advisor of the Seventh Street Group at Morgan Stanley. Peter has been in the financial industry for over 33 years leveraging his experience and knowledge to help his clients reach their financial goals. Peter became a financial advisor right after college in 1991, where he had the opportunity to work and learn under the experience of his father at Shearson Lehman Brothers. Through mergers and acquisitions, Peter became a Financial Advisor for Morgan Stanley.
Growing up, the stock market was a focus in the household because his father was a branch manager at a Shearson branch. Peter's father taught him the value of a dollar, its relationship with the investment world, and how to be a great teacher of this knowledge. As a second generation Financial Advisor, Peter seeks to create change in his clients lives by putting himself in their shoes so he can develop personalized strategies and serving as a pillar on their financial journey.
Peter graduated from Muhlenberg College with a Bachelor of Arts in History. In his spare time, Peter enjoys spending time together with his wife and teenage son, hanging out with friends, gardening, metal detecting, boating, and creating culinary masterpieces on his pellet smoker.
Growing up, the stock market was a focus in the household because his father was a branch manager at a Shearson branch. Peter's father taught him the value of a dollar, its relationship with the investment world, and how to be a great teacher of this knowledge. As a second generation Financial Advisor, Peter seeks to create change in his clients lives by putting himself in their shoes so he can develop personalized strategies and serving as a pillar on their financial journey.
Peter graduated from Muhlenberg College with a Bachelor of Arts in History. In his spare time, Peter enjoys spending time together with his wife and teenage son, hanging out with friends, gardening, metal detecting, boating, and creating culinary masterpieces on his pellet smoker.
Securities Agent: NH, LA, MI, VA, IL, UT, AZ, NY, FL, CA, MA, DE, SC, NC, TX, CO, MD, VT, GA, PA, OH, NJ, MO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
About Nicole O'Malley
Meet Nicole: Bridging Tradition with Innovation in Finance
Hi! I'm Nicole, a dedicated financial advisor proudly associated with Morgan Stanley. With a foundation built on time-tested investment principles, I integrate cutting-edge opportunities in technology that seek to optimize your financial journey.
What sets me apart is my genuine passion for understanding my clients. We spend time delving deep into your goals and objectives, and from there, I craft a dynamic investment strategy that evolves with your goals.
Outside work, I am passionate about optimizing health, fitness, and nutrition. I am contributing to a research paper that is being written by a neuro-biologist on natural peptides as a Lyme and auto-immune disease treatment. It is expected to be published in late 2024.
Let's embark on this journey together, where an open mind and an eye for innovation align perfectly with your vision for the future.
Hi! I'm Nicole, a dedicated financial advisor proudly associated with Morgan Stanley. With a foundation built on time-tested investment principles, I integrate cutting-edge opportunities in technology that seek to optimize your financial journey.
What sets me apart is my genuine passion for understanding my clients. We spend time delving deep into your goals and objectives, and from there, I craft a dynamic investment strategy that evolves with your goals.
Outside work, I am passionate about optimizing health, fitness, and nutrition. I am contributing to a research paper that is being written by a neuro-biologist on natural peptides as a Lyme and auto-immune disease treatment. It is expected to be published in late 2024.
Let's embark on this journey together, where an open mind and an eye for innovation align perfectly with your vision for the future.
Securities Agent: MI, IL, RI, GA, FL, VA, DE, MA, PA, CO, CA, MD, OH, SC, NJ, MO, WI, TX, NH, AZ, VT, NY, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2546945
NMLS#: 2546945
Contact Peter T Joseph
Contact Nicole O'Malley
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
Tony Gist
Associate Private Banker
Brendan Fuller, CFP®
Financial Planning Director, Vice President
About Tony Gist
Tony Gist is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
Associate Private Bankers partner with Private Bankers and 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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State College where he received a Bachelor of Science with a concentration in Criminal Justice. He and his family currently reside in York, PA. Outside of the office, he enjoys playing golf, skiing, fishing, watching college football and attending concerts.
Associate Private Bankers partner with Private Bankers and 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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State College where he received a Bachelor of Science with a concentration in Criminal Justice. He and his family currently reside in York, PA. Outside of the office, he enjoys playing golf, skiing, fishing, watching college football and attending concerts.
NMLS#: 786299
About Brendan Fuller
Brendan Fuller is a Financial Planning Director, VP at Morgan Stanley. In that role, he works directly with Financial Advisors and their valued clients to customize and implement financial plans. Often, this takes the form of illustrating retirement income streams, advising on executive compensation considerations, and coordinating with a client’s team of outside professionals on matters of tax and estate planning. The result is a partnership that helps ensure clients receive the highest quality advice and guidance that Morgan Stanley has to offer.
Prior to his work as a Financial Planning Director, Brendan was the Business Development Manager at the Firm since 2021, where he worked with Financial Advisors to establish efficient business practices and deliver thoughtful care to their clients. Brendan began his career as a Financial Advisor in 2015 at another institution.
He is a CERTIFIED FINANCIAL PLANNER™ professional and holds the additional designation of Chartered Retirement Planning Counselor℠.
Brendan earned his undergraduate degree from Rutgers University and his master’s degree in Personal Financial Planning from the College for Financial Planning. He and his wife live near Allentown, PA with their two children.
Prior to his work as a Financial Planning Director, Brendan was the Business Development Manager at the Firm since 2021, where he worked with Financial Advisors to establish efficient business practices and deliver thoughtful care to their clients. Brendan began his career as a Financial Advisor in 2015 at another institution.
He is a CERTIFIED FINANCIAL PLANNER™ professional and holds the additional designation of Chartered Retirement Planning Counselor℠.
Brendan earned his undergraduate degree from Rutgers University and his master’s degree in Personal Financial Planning from the College for Financial Planning. He and his wife live near Allentown, PA with their two children.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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 Seventh Street Group today.
1Morgan 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.
2An 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
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.
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.
8Municipal 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
2An 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
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.
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.
8Municipal 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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)
