Mark Linden, CFP®
Financial Advisor, Executive Director, Senior Portfolio Management Director
Phone:
(317) 818-7364(317) 818-7364
The 1816 Group at Morgan Stanley
Direct:
(317) 818-7364(317) 818-7364
Our Mission Statement
To help clients reach their long-term financial goals through sound, personal advice and unparalleled service
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Asset Management
- 401(k) Rollovers
- Stock Plan ServicesFootnote3
- Estate Planning StrategiesFootnote4
- Alternative InvestmentsFootnote5
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Retirement PlanningFootnote9
- Divorce Financial AnalysisFootnote10
- 529 PlansFootnote11
- Endowments and FoundationsFootnote12
- Executive Financial ServicesFootnote13
- Philanthropic ManagementFootnote14
- Trust ServicesFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service.
Discovery Process
We take the time to fully understand you and your family - whether you're planning for retirement, purchasing a new home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to helping to achieve your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to help ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards or away from your goals. Our ultimate mission is your success and well-being.
The Morgan Stanley wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, our service model is designed to help with a strategy that is:
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, our service model is designed to help with a strategy that is:
1. Personal:
Highly individualized and committed to helping you achieve financial success.
2. Flexible:
Responsive to changes in your life and in your priorities over time.
3. Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us.
Financial Planning Analysis
To begin your complementary financial planning analysis, please click the link below.
Financial Planning QuestionnairePrivate Banker
Private banking at Morgan Stanley is a comprehensive wealth management service designed to meet the financial need of clients. Private banking is designed to help clients grow and preserve their wealth over the long term. Below are some resources that can help you develop strategies to assist your financial needs. We have provided links to these materials and hope you will return often to learn more about the topics that impact your overall wealth.
Liquidity Access Line
Morgan Stanley's Liquidity Access Line (LAL) is a flexible financing solution that allows clients to access the value of their investment portfolios without the need to sell securities or other assets.
Learn More About LAL Here
Ultra-High Net Worth
As an Ultra-High Net Worth (UHNW) client, you may be eligible for customized lending solutions. UHNW clients can experience flexible, convenient and cost-effective borrowing options.
Learn More About UHNW Lending Solutions Here
CashPlus
CashPlus is a tool that allows you to have a modern alternative to banking. With CashPlus feel free to access your cash anytime and anywhere. It is an easy way to manage your account online.
Learn More and Enroll in CashPlus
Home Loans
Morgan Stanley, a leading financial services firm, provides home loans to customers looking to purchase a home or refinance a home. Experience the range of options that are available to you.
Learn More About Home Loans Here
Cash Management and Lending Brochure
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our cash management and lending solutions are designed to help meet these unique needs.
Learn More HereThose who created multi generational wealth are soon faced with complex financial planning challenges that have a significant impact on the size and scope of their legacy. Some clients worry about the nuts and bolts—asset allocation, investment selection—while others want to coach younger generations on how to become good stewards of family wealth and how to be an effective philanthropist, or wonder how a family will make joint decisions after a large inheritance.
Services Available include:
- Helping you explore factors that are relevant to your estate structures and strategies.
- Reviewing and discussing the attributes of your existing estate planning strategies and identifying areas to be revisited.
- Explaining general tax and estate planning strategies in the context of specific objectives, philosophies, concerns, income needs, etc.
- Collaborating with you and your external tax and legal advisors to formulate tax and estate strategies.
Location
800 East 96 St
Ste 400
Indianapolis, IN 46240
US
Direct:
(317) 818-7364(317) 818-7364
Meet The 1816 Group
Phone:
(317) 818-7390(317) 818-7390
Phone:
(317) 818-7433(317) 818-7433
Donna R. Shumar
Wealth Management Associate, Financial Planning Specialist*
Phone:
(317) 818-7372(317) 818-7372
Kyle Anne Tullis
Senior Registered Client Service Associate
Phone:
(317) 818-7428(317) 818-7428
Loretta S. Odle
Portfolio Associate
Phone:
(317) 818-7301(317) 818-7301
About Mark Linden
Starting in 1996, Mark Linden has 25 years of experience in the financial services industry and is the Senior Portfolio Manager of the team. Over the years, Mark has held a number of roles. Out of college, Mark began his career at George S. Olive as a public accountant. During his time there, he passed the CPA exam and developed a great technical framework for a career in financial services. Mark then moved on to become a credit analyst at Bank One, now known as Chase. Following this, he spent several years in business development at Newcourt Financial, where he was able to develop his sales and marketing skills. Mark then ultimately made the decision to become a Financial Advisor, joining AG Edwards in 2000. While working there, he studied to become a Certified Financial Planner, passing the CFP exam in 2007. In 2010, he joined Morgan Stanley.
Mark’s favorite part of the business is helping clients put together a financial game plan that makes something that can seem overwhelming and complex into something that is easy to understand. His role within the team allows him to wear different “hats.” His responsibilities can include market/investment analyst, financial planner and teacher. On any given day, he could be wearing one or all of those hats. Mark enjoys certain technical aspects of the business, but he also very much enjoys the interaction with people.
Quite simply, Mark’s approach is to make sure clients are making informed and intelligent decisions with their resources depending on what their goals might be. No two clients have the exact same goals even if they have similar assets and demographics. Mark strives to develop a customized, easy to understand plan for each client. Wealth management can be a very complicated subject. He is confident that he is able to show clients a better way to accomplish what they are trying to get done – even those with strong financial backgrounds.
Outside of work, Mark is a very involved member of his community. For many years, he has been a volunteer football and basketball coach at the Our Lady of Mount Carmel Church. He has served as the treasurer and as a board member for the Meridian Hills Country Club. Mark also currently serves on the Indianapolis Catholic Youth Organization board. In addition, him and his wife Meg are both Butler University graduates and are supporters of multiple organizations of the University.
Mark is happily married to his wife Meg of 21 years. They have three children; Katie (15), Jack (13), and Molly (9). They spend a lot of time with their children and their various activities. Katie rides hunter/jumper horses and plays volleyball. Jack is an avid football, basketball, and baseball player and Molly is lover of all things outdoors and animals. He is most passionate about spending time with his family and helping his kids be their best selves. Mark is also an avid golfer.
Mark’s favorite part of the business is helping clients put together a financial game plan that makes something that can seem overwhelming and complex into something that is easy to understand. His role within the team allows him to wear different “hats.” His responsibilities can include market/investment analyst, financial planner and teacher. On any given day, he could be wearing one or all of those hats. Mark enjoys certain technical aspects of the business, but he also very much enjoys the interaction with people.
Quite simply, Mark’s approach is to make sure clients are making informed and intelligent decisions with their resources depending on what their goals might be. No two clients have the exact same goals even if they have similar assets and demographics. Mark strives to develop a customized, easy to understand plan for each client. Wealth management can be a very complicated subject. He is confident that he is able to show clients a better way to accomplish what they are trying to get done – even those with strong financial backgrounds.
Outside of work, Mark is a very involved member of his community. For many years, he has been a volunteer football and basketball coach at the Our Lady of Mount Carmel Church. He has served as the treasurer and as a board member for the Meridian Hills Country Club. Mark also currently serves on the Indianapolis Catholic Youth Organization board. In addition, him and his wife Meg are both Butler University graduates and are supporters of multiple organizations of the University.
Mark is happily married to his wife Meg of 21 years. They have three children; Katie (15), Jack (13), and Molly (9). They spend a lot of time with their children and their various activities. Katie rides hunter/jumper horses and plays volleyball. Jack is an avid football, basketball, and baseball player and Molly is lover of all things outdoors and animals. He is most passionate about spending time with his family and helping his kids be their best selves. Mark is also an avid golfer.
Securities Agent: DE, ME, CO, CA, NY, FL, AZ, RI, TX, SD, SC, PA, NJ, KY, WI, WA, TN, OH, IA, AL, WV, VA, IL, CT, AK, UT, MD, HI, GA, DC, NV, NH, ID, NC, MA, IN, VT, NM, MO, MN, MI, LA, MS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278689
NMLS#: 1278689
About James P Roederer
Securities Agent: WV, WA, PA, NM, NJ, MN, SD, NH, ME, RI, MA, IN, IA, AZ, AK, VA, UT, SC, OH, NY, MD, DE, CO, MS, LA, AL, CA, MO, IL, MI, GA, VT, TN, HI, CT, WI, TX, NC, ID, DC, NV, KY, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285217
NMLS#: 1285217
About Jon Hicks
Joining Morgan Stanley in November of 2020, Jonathan Hicks is a Financial Advisor with The 1816 Group. Prior to joining Morgan Stanley, Jon served as an analyst for Periculum Capital Company for nearly three years, supporting the firm across all service areas. His experience there provide great exposure, training, and practical experience in analyzing financial statements, financial modeling, data analytics, and forecasting economic, industry, and company-specific trends.
Prior to joining Periculum, Jon was a student at the Kelley School of Business at Indiana University, graduating with distinction from the Kelley Business Honors Program and the Hutton Honors College. While in school, he spent a considerable amount of time preparing for a career in financial service through both advanced coursework and service on the Executive Committee of the Investment Banking Workshop.
Jon’s passion for being a financial advisor lies in helping his client’s define and achieve their financial goals, ultimately giving them confidence and financial health. People generally have feelings of stress and anxiety about their financial situation, and it can often be a strain on marriages and other important relationships. Jon takes great pride in helping his clients develop a financial plan that they feel confident in and can rely on, allowing them to focus on other areas of their life.
When it comes to interacting with clients, Jon spends a considerable amount of time educating them so that they deeply understand the strategies he implements for them and how it fits into their financial picture. He also focuses on taking the emotions out of investing, allowing for clearer decision making. Jon also advises on everyday finances, aiding clients on decisions such as whether to purchase or lease a vehicle, or if it makes financial sense to refinance their mortgage. With this guidance from Jon, clients are able to reduce their everyday financial stress.
Outside of work, Jon makes a strong effort to make an impact in his community as well as less fortunate ones. Over the years, he has gone on a mission trip to Haiti, served as a camp counselor for kids who have lost their parents to cancer, mentored and coached IU students in accounting courses, among other efforts.
Jon is happily married to his high school sweetheart, Jessie. They reside in Westfield, Indiana and have two rescue dogs Lucy and Willow. They live close to and are surrounded by family, something that is extremely important to both of them. During their free time, they both enjoy traveling, volunteering and spending time outdoors. Their favorite place to travel to is any of the U.S. National Parks. They both enjoy spending time outdoors, especially walking their dogs or golfing.
Prior to joining Periculum, Jon was a student at the Kelley School of Business at Indiana University, graduating with distinction from the Kelley Business Honors Program and the Hutton Honors College. While in school, he spent a considerable amount of time preparing for a career in financial service through both advanced coursework and service on the Executive Committee of the Investment Banking Workshop.
Jon’s passion for being a financial advisor lies in helping his client’s define and achieve their financial goals, ultimately giving them confidence and financial health. People generally have feelings of stress and anxiety about their financial situation, and it can often be a strain on marriages and other important relationships. Jon takes great pride in helping his clients develop a financial plan that they feel confident in and can rely on, allowing them to focus on other areas of their life.
When it comes to interacting with clients, Jon spends a considerable amount of time educating them so that they deeply understand the strategies he implements for them and how it fits into their financial picture. He also focuses on taking the emotions out of investing, allowing for clearer decision making. Jon also advises on everyday finances, aiding clients on decisions such as whether to purchase or lease a vehicle, or if it makes financial sense to refinance their mortgage. With this guidance from Jon, clients are able to reduce their everyday financial stress.
Outside of work, Jon makes a strong effort to make an impact in his community as well as less fortunate ones. Over the years, he has gone on a mission trip to Haiti, served as a camp counselor for kids who have lost their parents to cancer, mentored and coached IU students in accounting courses, among other efforts.
Jon is happily married to his high school sweetheart, Jessie. They reside in Westfield, Indiana and have two rescue dogs Lucy and Willow. They live close to and are surrounded by family, something that is extremely important to both of them. During their free time, they both enjoy traveling, volunteering and spending time outdoors. Their favorite place to travel to is any of the U.S. National Parks. They both enjoy spending time outdoors, especially walking their dogs or golfing.
Securities Agent: WV, WI, WA, VT, VA, UT, TX, TN, SD, SC, RI, PA, OH, NY, NV, NM, NJ, NH, NC, MS, MO, MN, MI, ME, MD, MA, LA, KY, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2216899
NMLS#: 2216899
About Donna R. Shumar
With Morgan Stanley since 1995. Bachelor of Science in Business from Indiana University School of Business. Series 7, 9, 10, 31, 63, and 65 and life insurance licensed.
*Disclaimer: This role cannot solicit or provide investment advice.
*Disclaimer: This role cannot solicit or provide investment advice.
About Kyle Anne Tullis
Fifteen years of industry experience. Bachelor of Science in Business from Ball State University. Series 7, 63, and 66 licensed.
About Loretta S. Odle
I have a Bachelor’s degree from Indiana University Kelly School of Business at Indianapolis with a major in Finance and a minor in Economics. Over 30 years of experience and Series 7, 63, and 66 licenses.
Contact Mark Linden
Contact James Roederer
Contact Jon Hicks
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kimberly Guidone
Private Banker
Mamta Shah
Trust Specialist
Lynn King
Family Office Resources Generalist
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
About Lynn King
Lynn R. King is a Family Office Resource Generalist for the Mid-America region. She has over 15 years of experience working with families, family offices, and their attorneys, CPAs and financial advisors on issues unique to the UHNW client. Lynn started her career as an attorney in Illinois working with closely held businesses across the country on a broad range of topics, including entity structuring, estate planning, business succession and tax. She then joined New York Life Insurance as a Corporate Vice President in their Advanced Planning Group. In this role she expanded on her experience from private practice and engaged with clients on complex business and personal planning needs.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
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
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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
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Ready to start a conversation? Contact The 1816 Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Morgan 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.
11Investors 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.
12Morgan 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.
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.
14Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
15Morgan 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.
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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Morgan 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.
11Investors 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.
12Morgan 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.
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.
14Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
15Morgan 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.
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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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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
