Teri Salach, CIMA®, CWS®
Senior Vice President, Wealth Management,
Wealth Advisor,
Senior Portfolio Management Director,
Certified Wealth Strategist
Direct:
(913) 402-5281(913) 402-5281
My Mission Statement
We provide tailored, objective advice that is focused on doing what’s right for you. We listen to you as our friend and support you as our family.
You Define Success, I Help You Achieve It
Thanks for finding my individual Morgan Stanley website.
I am excited to share some important news about my practice.
I have been operating as a sole practitioner, helping each of my clients achieve their personal and financial goals. During that time, my commitment to the individuals and families I serve has resulted in steady growth, thanks primarily to client referrals, for which I am very grateful.
I am proud of this growth yet know that if I am to continue to dedicate the time, attention and superior service that each client deserves, I must expand my capabilities and professional resources. This realization has convinced me that partnering with another experienced advisor who shares the same values and perspectives as I do and delivers new skills that complement my own would enable me to strengthen the services I offer and enrich the relationships I’ve established.
After careful consideration, I have made the decision to partner with Sheila Davis, Wealth Advisor, a 25-year industry veteran at Morgan Stanley, and together form The Plaza Group at Morgan Stanley.
Sheila and I first met in 2014 after her move to the Leawood office. We really started working together as committee chairs on the Women’s Advisory Committee for the Kansas/Missouri Complex. Over the years I have sought out her advice on specific investment strategies, product knowledge, and moral support. She is a true professional and brings a wealth of experience – especially in portfolio management – that I look forward to sharing with you.
You can now find me at our new website below.
Check it out and I’ll see you there!
Teri
I am excited to share some important news about my practice.
I have been operating as a sole practitioner, helping each of my clients achieve their personal and financial goals. During that time, my commitment to the individuals and families I serve has resulted in steady growth, thanks primarily to client referrals, for which I am very grateful.
I am proud of this growth yet know that if I am to continue to dedicate the time, attention and superior service that each client deserves, I must expand my capabilities and professional resources. This realization has convinced me that partnering with another experienced advisor who shares the same values and perspectives as I do and delivers new skills that complement my own would enable me to strengthen the services I offer and enrich the relationships I’ve established.
After careful consideration, I have made the decision to partner with Sheila Davis, Wealth Advisor, a 25-year industry veteran at Morgan Stanley, and together form The Plaza Group at Morgan Stanley.
Sheila and I first met in 2014 after her move to the Leawood office. We really started working together as committee chairs on the Women’s Advisory Committee for the Kansas/Missouri Complex. Over the years I have sought out her advice on specific investment strategies, product knowledge, and moral support. She is a true professional and brings a wealth of experience – especially in portfolio management – that I look forward to sharing with you.
You can now find me at our new website below.
Check it out and I’ll see you there!
Teri
Services Include
- Wealth PlanningFootnote1
- Retirement PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Financial PlanningFootnote4
- Planning for Education FundingFootnote5
- Professional Portfolio ManagementFootnote6
- Asset Management
- AnnuitiesFootnote7
- 401(k) Rollovers
- 529 PlansFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
Securities Agent: AR, IN, WV, UT, IA, GA, CT, NM, NC, MN, SC, KS, FL, AL, WA, NY, OK, OH, MS, MO, AZ, NV, MI, IL, CA, VA, TX, PA, NE, CO, ID, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1430987
NMLS#: 1430987
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Plaza Group Website
To help service you, we have provided a link to our team website. Here you can learn more about who we are, how we work with our clients, as well as some of what Morgan Stanley has to offer. Check it out using the link below and I will see you there!
Access HereOur Strengths
At The Plaza Group, we come to work every day focused on making a real difference in the lives of our clients and the people they care about. The following
attributes underscore our commitment to an exceptional client experience.
attributes underscore our commitment to an exceptional client experience.
We Treat You Like Family
We commit to building deep and caring relationships. We
do this by working with a select group of clients who
value our depth of knowledge in providing comprehensive
solutions that go well beyond investments. The bonds we
form are fundamental to our mission and it is our goal
that they span generations.
do this by working with a select group of clients who
value our depth of knowledge in providing comprehensive
solutions that go well beyond investments. The bonds we
form are fundamental to our mission and it is our goal
that they span generations.
Personalized Service
We take the time to get to know you personally, so we may
truly understand the challenges and circumstances
surrounding you and your family. This enables us to
create a plan that is customized to your situation and can
easily adapt to changes in your life and new priorities as
they change over time.
truly understand the challenges and circumstances
surrounding you and your family. This enables us to
create a plan that is customized to your situation and can
easily adapt to changes in your life and new priorities as
they change over time.
Extensive Experience
With significant experience working in different roles and
industries before turning our talents to financial services,
we believe the diversity of our backgrounds enables us to
deliver fresh ideas for today's complex world We leverage
our business acumen and analytical skills to identify
appropriate strategies for your specific circumstances.
Our priority is to be your first call for any financial matter
no matter how simple or complex the situation.
industries before turning our talents to financial services,
we believe the diversity of our backgrounds enables us to
deliver fresh ideas for today's complex world We leverage
our business acumen and analytical skills to identify
appropriate strategies for your specific circumstances.
Our priority is to be your first call for any financial matter
no matter how simple or complex the situation.
Knowledge & Understanding
We have a concentration of education and experience
that is rare in one group of advisors. Our industry
credentials include Certified Investment Management
Analyst® and Certified Wealth Strategist® (Teri) and
Certified Financial Planner TM (Sheila). And with nearly 50
years of collective financial services experience, we
believe we have gained the wisdom and skills needed to
tackle the challenges of managing everything that life
throws at you.
that is rare in one group of advisors. Our industry
credentials include Certified Investment Management
Analyst® and Certified Wealth Strategist® (Teri) and
Certified Financial Planner TM (Sheila). And with nearly 50
years of collective financial services experience, we
believe we have gained the wisdom and skills needed to
tackle the challenges of managing everything that life
throws at you.
Puzzle Solvers
What sets us apart from other advisory teams is our
astute puzzle-solving skills coupled with an impassioned
willingness to roll up our sleeves and identify innovative
strategies that are designed to help meet - and often
exceed - your objectives and expectations. We believe the
more uniquely successful you are, the more valuable we
are to you, and the more rewarding your overall
experience will be.
astute puzzle-solving skills coupled with an impassioned
willingness to roll up our sleeves and identify innovative
strategies that are designed to help meet - and often
exceed - your objectives and expectations. We believe the
more uniquely successful you are, the more valuable we
are to you, and the more rewarding your overall
experience will be.
Industry and Firm Recognition
We are grateful to work with an exceptional group of clients. We take pride in guiding them in the management of their finances so they can pursue their life goals. For the work we do, we have been honored to receive both firm and industry recognition. Teri was named to the Forbes Top Women Wealth Advisors in 2019, 2020 and 2021. Sheila has been a Five Star Wealth Manager recipient every year since 2017 and was named to Morgan Stanley’s Pacesetter Club in 2013, 2015 and 2016.
2019-2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2019-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2017-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2019-2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2019-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2017-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Insights and Information
We are proud to work at Morgan Stanley, a global leader in financial services with a long history of putting the needs of clients first. Like us, our firm focuses on
making complex financial ideas more digestible, so you can fully understand the "why" behind each recommendation we make. The articles and links below
provide in-depth analysis on interesting topics that may have an impact on your wealth not only now, but in the years ahead.
making complex financial ideas more digestible, so you can fully understand the "why" behind each recommendation we make. The articles and links below
provide in-depth analysis on interesting topics that may have an impact on your wealth not only now, but in the years ahead.
Putting Market Volatility in Historical Perspective
It's important to put market volatility in perspective. Mid-
year corrections in the market are rather common and it's
important to maintain a long-term perspective in any
investment strategy. These charts can help you put
market volatility in perspective.
Click here to view historical market contextyear corrections in the market are rather common and it's
important to maintain a long-term perspective in any
investment strategy. These charts can help you put
market volatility in perspective.
Cybersecurity Checklist
In a world that is now more virtual than ever, staying safe
online is nothing short of paramount Take advantage of
these helpful hints on how to tell if you've been hacked.
Click here to learn how to mitigate the riskonline is nothing short of paramount Take advantage of
these helpful hints on how to tell if you've been hacked.
Morgan Stanley Online (MSO) Capabilities
When you sign up for MSO, you can conveniently and
securely manage your account online or on your mobile
device. You'll also have access to a wide range of digital
tools through this online platform.
Click here to learn more about MSOsecurely manage your account online or on your mobile
device. You'll also have access to a wide range of digital
tools through this online platform.
Morgan Stanley Reserved Offers
Reserved Living & Giving is a tiered complimentary
loyalty program that rewards Morgan Stanley's most
valued clients. The program is designed to enhance your
lifestyle and relationship with the firm beyond traditional
wealth management services.
View Offersloyalty program that rewards Morgan Stanley's most
valued clients. The program is designed to enhance your
lifestyle and relationship with the firm beyond traditional
wealth management services.
Thoughts On the Market
With perspectives on the forces shaping the market, Mike
Wilson, Chief Investment Officer and Chief US Equity
Strategist for Morgan Stanley, and his colleagues discuss
a variety of viewpoints regarding the latest trends in the
financial marketplace.
Click here to listen nowWilson, Chief Investment Officer and Chief US Equity
Strategist for Morgan Stanley, and his colleagues discuss
a variety of viewpoints regarding the latest trends in the
financial marketplace.
Impact Investing
If you are like many of our clients, you seek meaningful
ways to create positive change through the contributions
you make to important causes and organizations. You can
also carry forward this mission through the investments
you make. Often referred to as "Impact Investing," this
discipline focuses on aligning your financial goals
which are driven by economic fundamentals - with
impact goals - which are driven by personal values and
mission.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
Click here to learn more about sustainable investingways to create positive change through the contributions
you make to important causes and organizations. You can
also carry forward this mission through the investments
you make. Often referred to as "Impact Investing," this
discipline focuses on aligning your financial goals
which are driven by economic fundamentals - with
impact goals - which are driven by personal values and
mission.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
Our Advice Matters
Your retirement plan is more than just finding the right investing opportunities. It's also important to note that as your life and career evolve, so do your goals. When working together, we can help you answer critical financial questions and adapt your strategy to meet your needs as they change over time.
The Market Minute - Quarterly Financial Newsletter
Our self-made quarterly financial newsletter, "The Market Minute", provides important updates and upcoming changes as the year progresses.
Read Our Financial Newsletter Here
Legacies That Last
Legacy Planning has changed dramatically in the last
generation, and even more so in the last 10 years. Watch
the video below to hear from Morgan Stanley's Daniel
DiBiasio & David Bokman.
Watch Heregeneration, and even more so in the last 10 years. Watch
the video below to hear from Morgan Stanley's Daniel
DiBiasio & David Bokman.
Winning Plays for Saving While You're Young
Practicing sound saving habits can help provide you with the option to pursue more, experience more, and achieve more because you have the financial foundation and flexibility to do so. Even if you're planning for retirement by putting away a portion of your income every month, it's important to make sure that you're maximizing the potential future value of these retirement savings.
Check Out The Winning Plays To Save Smarter
The Millennial and Gen Z Guide to a Sweet Retirement
Millennials face unique challenges when it comes to saving for retirement, but with the right strategies, they can still achieve their financial goals. From starting early to balancing debt and savings, there are practical steps millennials can take to ensure a sweet retirement.
Click Here to Learn More
Secure 2.0: Updates Impacting Retirement
Capitol Hill plays a critical role in shaping the corporate landscape, but even to the trained observer it can be difficult to discern how new changes in retirement legislation may affect your business. How can you deliver more value to your employees through your benefits offerings when the rules of the road continue to shift?
Click Here To Learn More About SECURE 2.0
Options for Retirement Plans When Leaving a Job
If you opened and saved through a 401(k) plan at a former employer, you should pat yourself on the back for making a smart decision, even if you are no longer at that job or are planning to leave soon. But you may also be unsure about what to do with your 401(k) after leaving your job. Let’s discuss which option might be right for you.
Click Here To Learn MoreLocation
11161 Overbrook Rd.
Ste 225
Leawood, KS 66211
US
Direct:
(913) 402-5281(913) 402-5281
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Teri Salach today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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
4Morgan 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.
5When 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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
4Morgan 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.
5When 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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.
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Awards Disclosures
CRC 6491812 (04/2024)
