Kevin Anglim
Wealth Management Associate
Phone:
(631) 642-8606(631) 642-8606
Stephen Anglim
Senior Vice President,
Financial Advisor
Direct:
(631) 642-8605(631) 642-8605
Toll-Free:
(877) 432-2566(877) 432-2566
My Mission Statement
Helping clients like you achieve your retirement and investing goals
My Story and Services
Stephen Anglim is a Senior Vice President, Financial Advisor at Morgan Stanley. For more than 37 years, he has been dedicated to helping clients, their families and small business realize their financial goals.
A graduate of Siena College with a Bachelor of Science in Marketing and Finance, Stephen started his career working for Paine Webber, in 1987. Before coming to Morgan Stanley, in 2010, he was a First Vice President at UBS Financial Services, for 13 years. In 1997, he founded the Anglim Group with his brother Kevin, and the team now serves clients in not only the New York Metropolitan area but throughout the United States.
Outside of the office, Stephen has given back to his community as a past member of the Siena College Board of Advisors and the Infant Jesus Parish Outreach program. He has also coached for the St. Louis de Montfort CYO basketball League, the North Shore Little League, and the Miller Place Youth Lacrosse League. He and his wife Cathy reside in Miller Place, New York. They have three children Allison, Lauren and Stephen. Stephen is an avid golfer.
Stephen J. Anglim holds the following registrations:
Disclaimer:
Diversification does not guarantee a profit or protect against loss in a declining financial market.
A graduate of Siena College with a Bachelor of Science in Marketing and Finance, Stephen started his career working for Paine Webber, in 1987. Before coming to Morgan Stanley, in 2010, he was a First Vice President at UBS Financial Services, for 13 years. In 1997, he founded the Anglim Group with his brother Kevin, and the team now serves clients in not only the New York Metropolitan area but throughout the United States.
Outside of the office, Stephen has given back to his community as a past member of the Siena College Board of Advisors and the Infant Jesus Parish Outreach program. He has also coached for the St. Louis de Montfort CYO basketball League, the North Shore Little League, and the Miller Place Youth Lacrosse League. He and his wife Cathy reside in Miller Place, New York. They have three children Allison, Lauren and Stephen. Stephen is an avid golfer.
Stephen J. Anglim holds the following registrations:
Disclaimer:
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Cash Management and Lending ProductsFootnote3
- Certificates of DepositFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Trust AccountsFootnote7
- Retirement PlanningFootnote8
- Wealth ManagementFootnote9
- SyndicateFootnote10
- Qualified Retirement PlansFootnote11
- Municipal BondsFootnote12
- Business PlanningFootnote13
- Asset Management
- Business Succession PlanningFootnote14
- Corporate BondsFootnote15
- Corporate Retirement PlansFootnote16
- Endowments and FoundationsFootnote17
- Exchange Traded FundsFootnote18
- Wealth PlanningFootnote19
- Trust ServicesFootnote20
- Planning for Individuals with Special Needs
- Planning for Education FundingFootnote21
- Long-term Care InsuranceFootnote22
- Structured ProductsFootnote23
- Fixed IncomeFootnote24
- Life InsuranceFootnote25
- Professional Portfolio ManagementFootnote26
- Stock Plan ServicesFootnote27
- Executive Financial ServicesFootnote28
Securities Agent: CO, NJ, WY, NV, IN, MS, WA, VI, DC, NM, OH, OK, WV, OR, SC, SD, RI, TN, VT, PR, HI, ID, IA, KS, LA, MA, KY, NE, MD, MO, ND, AZ, CA, WI, VA, UT, TX, PA, NY, NH, NC, MT, MN, MI, ME, IL, GA, FL, DE, CT, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1020438
NMLS#: 1020438
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We use our goal-based financial approach, attempting to pinpoint not only the objectives that you hope to achieve, but their approximate cost. We then review your current finances and future sources of income to determine whether our goals are realistic and how to go about achieving them within your required timeframe.
Your plan will contain an asset allocation for each goal we identify. We implement those allocations through carefully researched fixed income investments like corporate bonds, municipal bonds and bank certificates of deposit, as well as, equity mutual funds managed by third party organizations with a history of strong performance in various market environments.
Beyond your investments, your plan will provide you with recommendations for pursuing goals realistically and without undue risk. As Morgan Stanley Financial Advisors, we can provide you with access to the firm's extensive resources, when necessary, to advice you on lending solutions, estate planning strategies, philanthropy and other non-investment disciplines.
We strive to keep a close eye on your changing financial needs and provide viable solutions to meet them. This means constant monitoring of your plan and portfolio to make certain your strategies are working as anticipated and your assets are positioned to meet changing life circumstances, as well as fluctuating market conditions.
Your plan will contain an asset allocation for each goal we identify. We implement those allocations through carefully researched fixed income investments like corporate bonds, municipal bonds and bank certificates of deposit, as well as, equity mutual funds managed by third party organizations with a history of strong performance in various market environments.
Beyond your investments, your plan will provide you with recommendations for pursuing goals realistically and without undue risk. As Morgan Stanley Financial Advisors, we can provide you with access to the firm's extensive resources, when necessary, to advice you on lending solutions, estate planning strategies, philanthropy and other non-investment disciplines.
We strive to keep a close eye on your changing financial needs and provide viable solutions to meet them. This means constant monitoring of your plan and portfolio to make certain your strategies are working as anticipated and your assets are positioned to meet changing life circumstances, as well as fluctuating market conditions.
Our Clients
Most of our clients are business owners, corporate executives and professionals who are well established in their communities and careers. Despite their success, however, they may face the following challenges:
Business owners often share a number of characteristics in common, even if their businesses differ greatly from one another. Their personal wealth is linked to the fortunes of their companies and they face financial challenges that go well beyond their investment portfolios. We have helped these clients manage cash flow, attract and retain key employees with 401(k) plans and provide for their own retirement through diligent planning and systematic investment.
Corporate executives often come to us with portfolios that consist largely of their employer stock and stock options that are subject to a myriad of rules of which they may only be vaguely aware. We help them manage the risk of over consolidation and integrate their equity compensation and overall corporate benefits with the rest of their finances.
Professionals and many of our other clients simply seek to retire with the confidence that they'll be able to maintain a desired lifestyle for as long as they live. Many have no pension plan, while others are realizing they simply haven't saved enough to afford the retirement lifestyle they hoped to achieve. We help these clients prioritize their financial goals and determine which are realistic and which might have to be modified or sacrificed in favor of others.
Our combination of honesty and compassion has enabled us to build client relationships that are noted for their depth, longevity and mutual respect. We are especially proud of the fact that many of these relationships have extended from parent to children to grandchildren.
Business owners often share a number of characteristics in common, even if their businesses differ greatly from one another. Their personal wealth is linked to the fortunes of their companies and they face financial challenges that go well beyond their investment portfolios. We have helped these clients manage cash flow, attract and retain key employees with 401(k) plans and provide for their own retirement through diligent planning and systematic investment.
Corporate executives often come to us with portfolios that consist largely of their employer stock and stock options that are subject to a myriad of rules of which they may only be vaguely aware. We help them manage the risk of over consolidation and integrate their equity compensation and overall corporate benefits with the rest of their finances.
Professionals and many of our other clients simply seek to retire with the confidence that they'll be able to maintain a desired lifestyle for as long as they live. Many have no pension plan, while others are realizing they simply haven't saved enough to afford the retirement lifestyle they hoped to achieve. We help these clients prioritize their financial goals and determine which are realistic and which might have to be modified or sacrificed in favor of others.
Our combination of honesty and compassion has enabled us to build client relationships that are noted for their depth, longevity and mutual respect. We are especially proud of the fact that many of these relationships have extended from parent to children to grandchildren.
Location
414 Main St
Ste 101
Port Jefferson, NY 11777
US
Direct:
(631) 642-8605(631) 642-8605
Toll-Free:
(877) 432-2566(877) 432-2566
Fax:
(631) 642-8620(631) 642-8620
Meet My Team
Hanna Hildreth
Porfolio Associate
Phone:
(631) 642-8602(631) 642-8602
Jennifer Racca
Client Service Associate
Phone:
(631) 642-8611(631) 642-8611
About Kevin Anglim
Kevin has been working in the financial services industry for over 25 years. Kevin oversees the group’s investment management activity, while also running the investment and portfolio construction process. He creates portfolios tailored specifically to each individual client’s goals, risk parameters, and needs.
Kevin holds a Bachelor of Science in Business Administration from Dowling College. Prior to joining Morgan Stanley, Kevin worked for UBS Financial Services for 13 years.
When not in the office, Kevin has given back to his community as a coach for Bayport-Blue Point Little League. He enjoys spending time with his family and being on the water as an experienced boater. He resides in Bayport, New York with his wife Tara. Kevin and Tara are the proud parents of three children Kevin, Sean and Kate.
Kevin Anglim holds the following registrations:
Securities Agent: AZ,CA,CO,CT,DC,DE,FL,GA,IA,IL,IN,LA,MA,MD,ME,MO,NC,NH,NJ,NM,NV,NY,OH,PA,TN,TX,VA,VT,WA,WI; General Securities Representative; Investment Advisor Representative
Kevin holds a Bachelor of Science in Business Administration from Dowling College. Prior to joining Morgan Stanley, Kevin worked for UBS Financial Services for 13 years.
When not in the office, Kevin has given back to his community as a coach for Bayport-Blue Point Little League. He enjoys spending time with his family and being on the water as an experienced boater. He resides in Bayport, New York with his wife Tara. Kevin and Tara are the proud parents of three children Kevin, Sean and Kate.
Kevin Anglim holds the following registrations:
Securities Agent: AZ,CA,CO,CT,DC,DE,FL,GA,IA,IL,IN,LA,MA,MD,ME,MO,NC,NH,NJ,NM,NV,NY,OH,PA,TN,TX,VA,VT,WA,WI; General Securities Representative; Investment Advisor Representative
About Hanna Hildreth
Hanna has worked alongside Stephen and Kevin Anglim for over 20 years. She serves as the main point of contact for all client questions regarding accounts, statements, fund transfers, orders and issues that require logistical support. She enjoys her role connecting with clients and supporting the myriad of transactional needs that arise on a daily basis. Hanna’s primary focus is providing first-class customer service and strategic operational support.
Hanna graduated from Hofstra University with a Bachelor of Science in Business Administration. When she is not at work, Hanna enjoys singing. She is a long-standing member of the Long Island Symphonic Choral Association. Hanna resides in Port Jefferson, New York and is a proud mother of two daughters, Alexandra and Eliza.
Hanna Hildreth holds the following licenses:
Series 7, Series 9, Series 10, Series 63 and Series 66 and is a Notary
Hanna graduated from Hofstra University with a Bachelor of Science in Business Administration. When she is not at work, Hanna enjoys singing. She is a long-standing member of the Long Island Symphonic Choral Association. Hanna resides in Port Jefferson, New York and is a proud mother of two daughters, Alexandra and Eliza.
Hanna Hildreth holds the following licenses:
Series 7, Series 9, Series 10, Series 63 and Series 66 and is a Notary
About Jennifer Racca
While only working directly with the Anglim Group for 2 years, Jennifer has been a part of the Port Jefferson Office for over 13 years. She is responsible for client communication and marketing. Jennifer also enjoys working with our clients, supporting our team and is our “go to” person for all of the digital aspects of the business.
Jennifer holds a Bachelor of Science in Business Administration from St. Joseph’s College. She resides in Port Jefferson Station, New York with her husband Michael and their two children Michael and Katie.
Jennifer holds a Bachelor of Science in Business Administration from St. Joseph’s College. She resides in Port Jefferson Station, New York with her husband Michael and their two children Michael and Katie.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Stephen Anglim today.
1Investors 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
4Investors 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.
5Morgan 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Morgan 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.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
11When 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.
12Municipal 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.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
14Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16When 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.
17Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
18An 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.
19Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
20Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
21When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
22Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
23Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
24Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
25Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
26Morgan 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.
27Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
28Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
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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.
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Awards Disclosures
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
4Investors 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.
5Morgan 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Morgan 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.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
11When 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.
12Municipal 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.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
14Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16When 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.
17Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
18An 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.
19Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
20Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
21When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
22Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
23Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
24Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
25Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
26Morgan 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.
27Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
28Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
