Executive Director, Financial Advisor, Senior Institutional Consultant, Investing with Impact Director, Alternative Investments Director, Government Entity Specialist
Phone:
(570) 821-1848(570) 821-1848
The Solera Group at Morgan Stanley
Wilkes Barre:
(570) 821-1800(570) 821-1800
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
Our team brings together decades of experience, a client-centered service model, and the global resources of Morgan Stanley to help individuals, families, and businesses pursue their financial goals with confidence. We offer a high-touch, boutique-like client experience, supported by the depth and breadth of one of the world’s leading financial services firms.
Based in Wilkes-Barre, PA, with strong ties to the local community, we are proud to help clients establish clarity around their financial well-being. Since 2004, our team has worked with clients to develop thoughtful, long-term strategies tailored to their evolving needs, priorities, and circumstances.
Our holistic approach is built around listening first. We take the time to understand each client’s goals, concerns, and vision for the future, then provide guidance designed to help support those objectives through changing life stages and market environments. With an average of 20 years of experience across our team, our perspectives have been shaped by a wide range of market cycles and a shared commitment to delivering a true client-centered experience.
Whether you are preparing for retirement, seeking to help preserve your capital, growing your wealth, or managing complex financial needs, our team offers access to comprehensive planning and investment strategies. Our areas of focus include financial planning, insurance, annuities, portfolio management, cash management, and lending solutions.
We look forward to helping you pursue what matters most.
Based in Wilkes-Barre, PA, with strong ties to the local community, we are proud to help clients establish clarity around their financial well-being. Since 2004, our team has worked with clients to develop thoughtful, long-term strategies tailored to their evolving needs, priorities, and circumstances.
Our holistic approach is built around listening first. We take the time to understand each client’s goals, concerns, and vision for the future, then provide guidance designed to help support those objectives through changing life stages and market environments. With an average of 20 years of experience across our team, our perspectives have been shaped by a wide range of market cycles and a shared commitment to delivering a true client-centered experience.
Whether you are preparing for retirement, seeking to help preserve your capital, growing your wealth, or managing complex financial needs, our team offers access to comprehensive planning and investment strategies. Our areas of focus include financial planning, insurance, annuities, portfolio management, cash management, and lending solutions.
We look forward to helping you pursue what matters most.
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
A 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
1065 Highway 315
Suite 401
Wilkes Barre, PA 18702
US
Direct:
(570) 821-1800(570) 821-1800
701 Main Street
Suite 501
Stroudsburg, PA 18360
US
Direct:
(570) 476-8542(570) 476-8542
Meet The Solera Group
Nicole O'Malley, CPWA®
Vice President, Financial Advisor, Insurance Planning Director, Financial Planning Specialist
Phone:
(570) 476-8542(570) 476-8542
Peter T Joseph
Vice President, Financial Advisor
Phone:
(570) 476-8539(570) 476-8539
Sean Robilotta
Registered Client Relationship Analyst
Phone:
(570) 476-8531(570) 476-8531
Roxanne Flannery
Wealth Management Associate
Phone:
(570) 821-1827(570) 821-1827
Erin Oravic, CRPC®
Portfolio Associate, Financial Planning Specialist
Phone:
(570) 819-8001(570) 819-8001
Vincent Rocco, CFA
Registered Client Relationship Analyst
Phone:
(570) 821-1847(570) 821-1847
About Richard J. Hazzouri
Richard is an Executive Director and Senior Institutional Consultant with the Hazzouri Group in Morgan Stanley’s Wealth Management division. Since joining the firm in 2004, he has amassed over 26 years of experience in financial services, catering to a diverse clientele of institutional investors and select affluent individuals and families. Richard focuses on investment policy construction, asset allocation modeling, investment manager due diligence, and performance evaluation to support his clients’ financial goals. He has been recognized as a Best in State Wealth advisor in Pennsylvania by Forbes from 2017 to 2025.
Richard earned a Bachelor of Science degree from Loyola University in Baltimore, Maryland. He has earned several industry designations, including Chartered Financial Analyst (CFA), Certified Private Wealth Advisor (CPWA®), and Qualified Plan Financial Consultant (QPFC©). Richard is a member of APIC, an independent organization comprised of Morgan Stanley Financial Advisors committed to enhancing professionalism within the investment advisory industry. Bringing his extensive experience with alternative investments, Rich is also a member of Morgan Stanley’s Alternative Investment Advisory Council.
Outside the office, Richard serves on the Board of Directors for the Boys and Girls Club of Northeastern Pennsylvania, the Advisory Council for Geisinger Health Systems NE, and the Corporate Advisory Board for the Pennsylvania Association of Public Employee Retirement Systems (PAPERS).
2017-2025 Forbes Best-In-State Wealth Advisors.
Source: Forbes.com. (Awarded 2017-2025) Forbes Best-In- State Wealth Advisors ranking awarded in 2017-2025.. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5332211 3/26
Richard earned a Bachelor of Science degree from Loyola University in Baltimore, Maryland. He has earned several industry designations, including Chartered Financial Analyst (CFA), Certified Private Wealth Advisor (CPWA®), and Qualified Plan Financial Consultant (QPFC©). Richard is a member of APIC, an independent organization comprised of Morgan Stanley Financial Advisors committed to enhancing professionalism within the investment advisory industry. Bringing his extensive experience with alternative investments, Rich is also a member of Morgan Stanley’s Alternative Investment Advisory Council.
Outside the office, Richard serves on the Board of Directors for the Boys and Girls Club of Northeastern Pennsylvania, the Advisory Council for Geisinger Health Systems NE, and the Corporate Advisory Board for the Pennsylvania Association of Public Employee Retirement Systems (PAPERS).
2017-2025 Forbes Best-In-State Wealth Advisors.
Source: Forbes.com. (Awarded 2017-2025) Forbes Best-In- State Wealth Advisors ranking awarded in 2017-2025.. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5332211 3/26
Securities Agent: TX, AK, WA, UT, DE, CA, VA, OR, NY, NC, GA, CO, RI, OH, FL, SC, NJ, NH, MA, AR, LA, IL, MO, MD, IN, VT, PA, CT, WI, MI, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268257
NMLS#: 1268257
About Nicole O'Malley
Nikki O’Malley is a Vice President and Financial Advisor at Morgan Stanley. She works with families, business owners, institutions, and high-net-worth clients to help them make thoughtful financial decisions and plan for the future.
Her approach is grounded in discipline, long-term thinking, and a deep respect for what financial planning represents in people’s lives. Nikki helps clients organize and strengthen their financial picture through planning, investment strategy, retirement planning, insurance planning, and legacy considerations.
Outside of the office, Nikki brings the same focus and growth-oriented mindset to strength training, scuba diving, and working with animals. Her personal and professional pursuits reflect a shared belief in preparation, consistency, and building strong systems that support lasting progress.
Her approach is grounded in discipline, long-term thinking, and a deep respect for what financial planning represents in people’s lives. Nikki helps clients organize and strengthen their financial picture through planning, investment strategy, retirement planning, insurance planning, and legacy considerations.
Outside of the office, Nikki brings the same focus and growth-oriented mindset to strength training, scuba diving, and working with animals. Her personal and professional pursuits reflect a shared belief in preparation, consistency, and building strong systems that support lasting progress.
Securities Agent: MA, WA, PA, FL, CO, CA, WI, TX, NH, LA, AZ, VT, UT, NY, NC, IN, IL, MD, OH, SC, NJ, MO, VA, RI, MI, DE, CT, AK, OR, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2546945
NMLS#: 2546945
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: PA, CA, MI, IN, IL, GA, FL, DE, AK, UT, OH, NJ, MD, VT, OR, CO, AZ, TX, CT, WI, WA, NY, NH, MA, SC, NC, HI, VA, RI, MO, LA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
About Sean Robilotta
Sean Robilotta is a Registered Client Relationship Analyst based in Morgan Stanley’s Stroudsburg, PA office, supporting Financial Advisors Peter Joseph and Nicole O’Malley. Since joining Morgan Stanley in September 2024, Sean has served as a primary point of contact for client service needs—welcoming clients, facilitating money movement, and assisting with order entry—while helping ensure a consistently high-quality client experience.
In his role, Sean focuses on account monitoring, processing, and ongoing account maintenance, partnering closely with the advisory team to support day-to-day service and operational execution. He is also active in digital client engagement, helping clients adopt and use e-services such as MSO, eAuth, and CashPlus to streamline workflows and enhance the client experience. Sean holds the Series 7 and Series 66 licenses.
Sean earned a double major in Finance and Business Management from East Stroudsburg University in 2024. Prior to Morgan Stanley, he built experience across digital marketing, website design, and client/customer service—skills he brings to supporting clients and advancing digital adoption. Outside of work, Sean enjoys playing ice hockey, traveling, and hiking.
In his role, Sean focuses on account monitoring, processing, and ongoing account maintenance, partnering closely with the advisory team to support day-to-day service and operational execution. He is also active in digital client engagement, helping clients adopt and use e-services such as MSO, eAuth, and CashPlus to streamline workflows and enhance the client experience. Sean holds the Series 7 and Series 66 licenses.
Sean earned a double major in Finance and Business Management from East Stroudsburg University in 2024. Prior to Morgan Stanley, he built experience across digital marketing, website design, and client/customer service—skills he brings to supporting clients and advancing digital adoption. Outside of work, Sean enjoys playing ice hockey, traveling, and hiking.
About Roxanne Flannery
Roxanne Flannery is a Wealth Management Associate with the Solera Group at Morgan Stanley, where she effectively manages the operational logistics for a diverse clientele of families and professionals. She plays a crucial role in creating an efficient workflow for our practice and significantly impacts how clients view their finances and future goals through attentive listening and tailored strategies. Her meticulous attention to detail seeks to ensure our clients’ complete success and establishes her as a key team player that is dedicated and relied upon by both clients and staff for her unwavering support.
Roxanne’s responsibilities include opening accounts, transferring assets, arranging cash distributions, and executing trades. She began her career at First Eastern Bank in operations and facilities management before joining Morgan Stanley in 1995. Roxanne holds the General Securities Representative license (Series 7) and has passed the Uniform Combined State Law Examination (Series 66).
As a member of the Association of Professional Investment Consultants, (APIC), Roxanne is part of a dedicated group of Morgan Stanley professionals that are committed to professionalism in consulting.
A resident of Wilkes-Barre, Roxanne and her husband Tom have two sons, Connor and Shane. Outside of work, she actively contributes to her community, serving on the Social Concerns Group at Corpus Christi Parish.
Roxanne’s responsibilities include opening accounts, transferring assets, arranging cash distributions, and executing trades. She began her career at First Eastern Bank in operations and facilities management before joining Morgan Stanley in 1995. Roxanne holds the General Securities Representative license (Series 7) and has passed the Uniform Combined State Law Examination (Series 66).
As a member of the Association of Professional Investment Consultants, (APIC), Roxanne is part of a dedicated group of Morgan Stanley professionals that are committed to professionalism in consulting.
A resident of Wilkes-Barre, Roxanne and her husband Tom have two sons, Connor and Shane. Outside of work, she actively contributes to her community, serving on the Social Concerns Group at Corpus Christi Parish.
About Erin Oravic
Erin Oravic is a Portfolio Associate and Financial Planning Specialist with the Solera Group at Morgan Stanley. She uses her educational background and professional training to build and maintain positive client relationships. Erin educates clients on account services and the firm’s online capabilities. She also assists in setting and managing expectations, executes financial plans, and supports the team with daily organizational tasks.
Erin’s strong interpersonal skills and dedication to helping clients achieve their financial goals make her a vital part of the team. Her thorough understanding and appreciation for individual lifestyles enhance her effectiveness in providing exceptional client support.
Before joining the Solera Group, Erin began her financial career at Ameriprise Financial in Wilkes-Barre, where she first cultivated her interest in the financial industry. She holds a variety of certifications including Bloomberg Market Concepts, Securities Industry Essentials (SIE), General Securities Representative license (Series 7), the Uniform Combined State Law Examination (Series 66), Financial Planning Specialist, and the Chartered Retirement Planning Counselor (CRPC©). Erin graduated with a B.S. in Business Administration, Finance, from Wilkes University in 2018.
Erin resides in Nanticoke with her husband, Kyle, and their dog, Sadie. In her free time, she enjoys outdoor adventures such as quadding and walks with Sadie, as well as catching up with family and friends.
Erin’s strong interpersonal skills and dedication to helping clients achieve their financial goals make her a vital part of the team. Her thorough understanding and appreciation for individual lifestyles enhance her effectiveness in providing exceptional client support.
Before joining the Solera Group, Erin began her financial career at Ameriprise Financial in Wilkes-Barre, where she first cultivated her interest in the financial industry. She holds a variety of certifications including Bloomberg Market Concepts, Securities Industry Essentials (SIE), General Securities Representative license (Series 7), the Uniform Combined State Law Examination (Series 66), Financial Planning Specialist, and the Chartered Retirement Planning Counselor (CRPC©). Erin graduated with a B.S. in Business Administration, Finance, from Wilkes University in 2018.
Erin resides in Nanticoke with her husband, Kyle, and their dog, Sadie. In her free time, she enjoys outdoor adventures such as quadding and walks with Sadie, as well as catching up with family and friends.
About Vincent Rocco
Vince Rocco is a seasoned finance professional with a background in financial analysis, education, and client services. At Morgan Stanley, Vince draws on his knowledge to evaluate mutual fund performance, support asset allocation for institutional and private clients, and—under the Financial Advisor’s review and approval—recommend portfolio rebalancing. His prior role as a proprietary equity trader helped hone his skills in risk management, technical analysis, and strategic trading.
At the University of Scranton, he serves as the Faculty Specialist and Head of the Alperin Financial Lab, where he has completed courses in Finance, Excel applications, Data visualization, and Bloomberg. Known for his innovative teaching methods and dedication to student success, he has also contributed to research initiatives and strategic committees.
A Chartered Financial Analyst (CFA), Vince is passionate about leveraging his extensive experience to drive success and foster a culture of continuous learning and development. He holds a Bachelor of Science in Finance from Saint Joseph’s University.
At the University of Scranton, he serves as the Faculty Specialist and Head of the Alperin Financial Lab, where he has completed courses in Finance, Excel applications, Data visualization, and Bloomberg. Known for his innovative teaching methods and dedication to student success, he has also contributed to research initiatives and strategic committees.
A Chartered Financial Analyst (CFA), Vince is passionate about leveraging his extensive experience to drive success and foster a culture of continuous learning and development. He holds a Bachelor of Science in Finance from Saint Joseph’s University.
Contact Richard J. Hazzouri
Contact Nicole O'Malley
Contact Peter T Joseph
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
Private Banker
About Tony Gist
Tony Gist is a Private Banker and Vice President serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
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 University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
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.
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 University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
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
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Retirement
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529 Plans: A Powerful Tool to Save for Education
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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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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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.
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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.
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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.
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CRC 4665150 (8/2025), 4763067 (9/2025)
