Ted Kawahara, CFP®
Executive Director,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(310) 543-0214(310) 543-0214
Toll-Free:
(800) 221-8764(800) 221-8764
My Mission Statement
Building your retirement plan is our full-time job.
About Me
For more than 30 years, Executive Director Ted Kawahara has steered his clients’ finances towards retirement futures designed to help protect their hard-earned money and support their dreams.
Ted’s comprehensive knowledge of the investment industry spans two generations: his father was on the board of EF Hutton; his sister was an officer of Smith Barney’s Public Finance Department; and, in 1992, Ted became a Financial Advisor, focusing on the retirement planning needs of his clients.
Ted earned the significant industry designation of Certified Financial Planner™ (CFP®) in 1999, completing the course’s rigorous academic requirements at UCLA. The CFP® designation recognizes a combination of substantial practical financial planning experience, the completion of a comprehensive and highly specialized educational program, and the demonstration of real-world applications of the core competencies. Ted also completed an intensive IRA retirement training course from the Ed Slott Company, an exclusive organization dedicated to educating advisors and financial institutions in the IRA Industry.
Ted focuses his CFP® skills and experience in providing comprehensive, client-based financial planning and overseeing the successful retirement of his clients. In addition to the retirement workshops that he conducts, Ted frequently meets one-on-one with clients wherever they may be, and he reaches out proactively to ensure their needs are being met at all times. He enjoys analyzing and interpreting laws, rules, and regulations and understanding how they apply to his retirement clients. He is knowledgeable on a wide variety of topics relating to retirement issues, and he uses that knowledge to help clients navigate their retirement needs and concerns.
Ted is a Forbes Best-In-State Wealth Advisor and was named to the list in 2020, 2021, 2022, 2023, and 2024. This is a testament to his experience, professional, and dedication to his clients.
Ted graduated from Trinity College in Connecticut with a B.A. in economics. He was born and raised in Southern California where he now lives with his wife, Helen, and their teenage sons, Todd and Jake.
2020-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Ted’s comprehensive knowledge of the investment industry spans two generations: his father was on the board of EF Hutton; his sister was an officer of Smith Barney’s Public Finance Department; and, in 1992, Ted became a Financial Advisor, focusing on the retirement planning needs of his clients.
Ted earned the significant industry designation of Certified Financial Planner™ (CFP®) in 1999, completing the course’s rigorous academic requirements at UCLA. The CFP® designation recognizes a combination of substantial practical financial planning experience, the completion of a comprehensive and highly specialized educational program, and the demonstration of real-world applications of the core competencies. Ted also completed an intensive IRA retirement training course from the Ed Slott Company, an exclusive organization dedicated to educating advisors and financial institutions in the IRA Industry.
Ted focuses his CFP® skills and experience in providing comprehensive, client-based financial planning and overseeing the successful retirement of his clients. In addition to the retirement workshops that he conducts, Ted frequently meets one-on-one with clients wherever they may be, and he reaches out proactively to ensure their needs are being met at all times. He enjoys analyzing and interpreting laws, rules, and regulations and understanding how they apply to his retirement clients. He is knowledgeable on a wide variety of topics relating to retirement issues, and he uses that knowledge to help clients navigate their retirement needs and concerns.
Ted is a Forbes Best-In-State Wealth Advisor and was named to the list in 2020, 2021, 2022, 2023, and 2024. This is a testament to his experience, professional, and dedication to his clients.
Ted graduated from Trinity College in Connecticut with a B.A. in economics. He was born and raised in Southern California where he now lives with his wife, Helen, and their teenage sons, Todd and Jake.
2020-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
- Trust AccountsFootnote1
- Wealth ManagementFootnote2
- 401(k) Rollovers
- Financial PlanningFootnote3
- Qualified Plans
- Qualified Retirement PlansFootnote4
- AnnuitiesFootnote5
- Defined Contribution PlansFootnote6
- Exchange Traded FundsFootnote7
- 529 PlansFootnote8
- Wealth PlanningFootnote9
- Planning for Education FundingFootnote10
- Long Term Care InsuranceFootnote11
Securities Agent: NC, MD, FL, GA, TN, ND, LA, CO, CA, UT, OR, MO, AZ, WA, MS, AL, VA, TX, DE, NV, OK, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1817713
CA Insurance License #: 0B10622
NMLS#: 1817713
CA Insurance License #: 0B10622
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
We believe that identifying financial solutions begins with a solid understanding of each clients' goals, objectives, and risk tolerance. We follow a disciplined process that enables us to work with you to help meet your financial needs.
Step 1: Discovery Process
Our Discovery Process is about establishing Financial Objectives. We work with clients to establish a realistic set of objectives based on their financial goals, time horizon, liquidity needs, and tolerance to volatility & risk.
Step 2: Defining Wealth Strategy
During this process, we will develop a Customized Investment Strategy to help produce optimal portfolio performance & seek to generate the highest return potential consistent with the strategy's level of risk.
Step 3: Evaluate & Select Investments
We leverage the global resources of Morgan Stanley to select investments to implement your personal strategy with the stated goal of Portfolio Growth.
Step 4: Ongoing Review Process
We will continuously assess your Wealth Management Needs and monitor your portfolio to track its performance relative to your stated objectives. Furthermore, we will modify your portfolio on a discretionary basis as your needs and circumstances change over time.
Individual Plans For Individuals Like You
Goals you set today will evolve over time. My process is designed to evolve with your goals and with the changing circumstances of your life. Holistic in its approach, my planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, I can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, I can help you take charge of your financial future and achieve your goals.
Certified Financial Planner (CFP)
CFP professionals have met extensive training and experience requirements, and commit to CFP Boards ethical standards that require them to put their clients' interest first.
Ted holds this designation.
Ted holds this designation.
LifeView® Intelligent Planning
LIfeView® is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life. Including investments and cash management needs.
Learn More About LifeView® Intelligent Planning
Spending & Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts it also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Learn More About The Spending & Budgeting Tool
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Build 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.
Learn More About The Goals Planning System
Aladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management's platform to improve the quality, transparency, and efficiency of the end to end risk management process for the Firm and our Clients.
Learn More About The Portfolio Risk Tool
Morgan Stanley Financially Fit
Morgan Stanley Financially Fit is a program for you and your family, available from your Morgan Stanley Financial Advisor. Whether you’re teaching your children to make a budget today or helping them develop skills to manage wealth in the future, we know how difficult it can be
to educate and inspire the youth of a new generation to become financially responsible adults.
Through an innovative online financial education program—designed for children in grade four all the way into adulthood—this program introduces important financial concepts.
Learn More About Morgan Stanley Financially Fitto educate and inspire the youth of a new generation to become financially responsible adults.
Through an innovative online financial education program—designed for children in grade four all the way into adulthood—this program introduces important financial concepts.
Top Services & Resources
I provide a wide array of services centered on your financial goals. I believe that identifying financial solutions begins with a solid understanding of each clients' situation, goals, objectives, and risk tolerance. I follow a disciplined process that enables me to work with you to craft customized solutions that help to meet your individual financial needs.
Retirement Planning
Retirement Planning refers to financial strategies of saving, investments, and ultimately distributing money meant to sustain oneself during retirement. Retirement planning takes into account not only assets and income, but also future expenses, liabilities, and life expectancy.
Learn More About Retirement Planning
Financial Planning
You have meaningful goals. We can help you achieve them. No matter what you want to accomplish, our focus starts and ends with you. Explore how your Morgan Stanley team can help with setting and prioritizing your financial goals.
Learn More About Financial Planning
Wealth Management
For nearly 90 years, Morgan Stanley has been a global leader in financial services, with the scale and stability to help bring you valuable opportunities. Our priority is managing wealth with the highest standard of care and providing financial advice to help support your goals at any stage of life.
Learn More About Wealth Management
Annuities
The market can influence your decision on when to retire. Learn how to help protect your nest egg, including the potential role of annuities in retirement.
Learn More About Annuities
529 Plans
Morgan Stanley offers a variety of 529 plan options to help you save for college and other education expenses, while taking advantage of tax and estate planning benefits.
Learn More About 529 Plans
Portfolio Management at Morgan Stanley
At Morgan Stanley, we believe how you invest is just as important as why you invest. That is why we offer you different options. We offer portfolio choices based on your objectives and preferences – you can align your investments with your values, opt for a research-driven strategy that seeks to maximize returns, or focus on minimizing fees.
Learn More About Portfolio Management at Morgan Stanley
Morgan Stanley Online (MSO)
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.
View The Morgan Stanley Online (MSO) Client Guide
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
Learn More About The Morgan Stanley Mobile App
Total Wealth View
It’s hard to see the full picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among out highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About The Online Security Center
2024 Income Tax Tables
Federal tax information for 2024, including Income Tax Tables, Contribution Limits, Deadlines, etc.
View The 2024 Income Tax Tables2025 Income Tax Tables
Federal tax information for 2025, including Income Tax Tables, Contribution Limits, Deadlines, etc.
View The 2025 Income Tax TablesUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Client Service Team
Kevin Valdez - Registered Client Service Associate
Phone:
(310) 543-0269(310) 543-0269
Email:Kevin.Valdez@morganstanley.com
Kevin Valdez is a native of Southern CA, and attended Cal State Long Beach, majoring is Business Administration. He started his professional career in banking and has been with Morgan Stanley since 2015.
He enjoys music, and regularly practices with his band of many years. He and his wife live in Long Beach, CA.
He enjoys music, and regularly practices with his band of many years. He and his wife live in Long Beach, CA.
Will Knebel - Registered Client Service Associate
Phone:
(310) 543-0245(310) 543-0245
Email:Will.Knebel@morganstanley.com
Will Knebel grew up in Rancho Palos Verdes where he was Valedictorian of Palos Verdes Peninsula High School. He graduated Summa Cum Laude with a perfect 4.0 GPA from UCLA with an emphasis in Economics. He has been with Morgan Stanley since 2023.
He devotes much of his leisure time to active activities and rotates between playing baseball, basketball, and pickleball.
He devotes much of his leisure time to active activities and rotates between playing baseball, basketball, and pickleball.
Blaize Leone - Registered Client Service Associate
Phone:
(310) 543-0250(310) 543-0250
Email:Blaize.Leone@morganstanley.com
Blaize Leone grew up in Torrance, CA and ran on the track team at West Torrance High School. He graduated from the University of Colorado at Boulder with an emphasis in Finance. He has been with Morgan Stanley since 2023.
He enjoys snowboarding, chess, and being a fan of the Denver Broncos and Los Angeles Lakers.
He enjoys snowboarding, chess, and being a fan of the Denver Broncos and Los Angeles Lakers.
Location
21250 Hawthorne Blvd
Ste 650
Torrance, CA 90503
US
Direct:
(310) 543-0214(310) 543-0214
Toll-Free:
(800) 221-8764(800) 221-8764
Fax:
(310) 961-3293(310) 961-3293
Wealth Management
From My Desk
Ted Kawahara, CFP® Named Forbes Best-In-State For Year 2024!!
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Ready to start a conversation? Contact Ted Kawahara, CFP® today.
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7An 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.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10When 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7An 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.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10When 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
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Awards Disclosures
CRC 6491812 (04/2024)
