Jeffrey Minamide
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(925) 730-3848(925) 730-3848
The 808 Group at Morgan Stanley
Direct:
(925) 730-3800(925) 730-3800
Our Mission Statement
At the 808 Group, we are dedicated to helping you grow and preserve your wealth with clarity and confidence. Utilizing experience spanning over four decades, we've developed thoughtful strategies, and an unwavering commitment to integrity. We empower you to make informed decisions on all aspects of your life. Our mission is simple. Together, we create lasting legacies and financial confidence that span generations.
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
- Long-term Care InsuranceFootnote1
- Planning for Individuals with Special Needs and their Families
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote2
- Alternative InvestmentsFootnote3
- 401(k) Rollovers
- Trust ServicesFootnote4
- Business PlanningFootnote5
- Trust AccountsFootnote6
- Financial PlanningFootnote7
- Executive Financial ServicesFootnote8
- Estate Planning StrategiesFootnote9
- Divorce Financial AnalysisFootnote10
- Business Succession PlanningFootnote11
- Cash ManagementFootnote12
- 529 PlansFootnote13
- AnnuitiesFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Talking Points
Empowering clients with practical and effective strategy and relevant knowledge is important to me. Exploring other perspective can lead to better insights into our decisions. Below I've contained some talking points consisting of important topics and questions that I think are worth your consideration. Feel free to contact me directly if you would like to discuss any of these further.
The Fundamentals of Investing
Financial Education is an important piece of my conversations with clients, friends, and family. The school year well under way, which is a helpful prompt to continue our own education and start the conversation with our own children. Investing can be a complicated and overwhelming journey, though understanding the fundamentals can help to make sense of the journey's purpose. It's important to keep the following tenets in mind:
○ Time is Money
○ It's easy to let emotions get in the way
○ Trying to time the market can be costly
○ Successfully investing involves fortitude and patience
○ Having a plan can help
○ Time is Money
○ It's easy to let emotions get in the way
○ Trying to time the market can be costly
○ Successfully investing involves fortitude and patience
○ Having a plan can help
Diversify Out Of Company Stock
For investors that have been with their company for a while, it is likely that your company stock makes up a strong concentration of your broader portfolio. Especially for buy-and-hold investors, remaining consistent with a schedule to rebalance a portfolio is a difficult task to pursue. It's difficult to time a diversification procedure without proper guidance. Where my clients have seen value has been in having conversations to discuss economic and market conditions as well as pertinent industry research, all while aligning strategies with personal financial goals. Consider the following and contact me if you would like to discuss.
When do you plan on retiring?
Are you on track to meet your goals and is the risk you're taking necessary?
Are you aware of your risk exposure?
When do you plan on retiring?
Are you on track to meet your goals and is the risk you're taking necessary?
Are you aware of your risk exposure?
Are You Assessing How Much You Are Funding Your Retirement?
It's likely that you've been told about the value of saving for retirement plenty more times than necessary. We all hear about the value of maxing out retirement plan contributions and that we should probably be saving more. Though saving more (where possible) is almost always a good idea to consider, it's important to monitor your progress in alignment with your personal and financial goals.
○ Am I planning on retiring in the next couple of years? If so, how will I generate income from my wealth?
○ Do I have a longer time horizon? Can I afford to take on additional risk in my portfolio?
○ Am I planning on retiring in the next couple of years? If so, how will I generate income from my wealth?
○ Do I have a longer time horizon? Can I afford to take on additional risk in my portfolio?
Reviewing Your Estate Plan
Your estate consists of everything in your name that makes up your net worth, which can include real estate, personal property, retirement accounts, brokerage accounts, cash, stocks, and bonds. The value of your estate will generally determine if your estate is subject to any estate taxes and how you title your assets carries implications in terms of how they are transferred at death. As part of your financial plan, it is essential to coordinate a strategy to manage your estate.
□ Have you made arrangements as to how your estate is going to be managed?
□ If so, what strategies are you planning to use?
□ Have you made arrangements as to how your estate is going to be managed?
□ If so, what strategies are you planning to use?
Investor Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients contained within the left column.
Feel free to also take a look at our other resources. Financial education leads to better insights into investment strategy and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth available on the right column.
Feel free to also take a look at our other resources. Financial education leads to better insights into investment strategy and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth available on the right column.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Total Wealth View
Online Security Center
Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Online Security Center
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Portfolio Risk Platform
Tax Loss Harvesting
Naturally, most people are unhappy when they see their investments decrease in value. Although we try to avoid losing on our investments, there is a silver lining, called tax loss harvesting. What is it exactly and how do some investors use it to reduce their taxes? Take a look at the article below for some additional background.
What is Tax Loss Harvesting?
Morgan Stanley Total Tax 365
Taxes can erode portfolio returns and paying less in taxes through proactive tax management strengthens your ability to compound and grow your wealth.
Total Tax 365
The Value of Tax-Efficient Investing
Taxes are a substantial drag on investment returns that compound overtime, but small reductions in tax can have enormous consequences for wealth accumulation.
Tax-Efficient InvestingRetirement Navigation Process
If you and your family had a discussion three years from today, what has to have happened in a personal, professional and financial sense for you to be happy with your progress over those three years?
Step 1: Assets
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
Step 2: Liabilities
In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Step 3: Income
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Step 4: Expenses
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Step 5: Risk Management
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Step 6: Estate Planning Strategies
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
Step 7: Assembling Your Team
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Step 8: Continued Monitoring
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Location
4309 Hacienda Drive
Ste 200
Pleasanton, CA 94588
US
Direct:
(925) 730-3800(925) 730-3800
Meet The 808 Group
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Insurance Planning Director
First Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Management Director
Phone:
(925) 730-3809(925) 730-3809
Phone:
(925) 730-3818(925) 730-3818
About Jeffrey Minamide
Jeff began his career with Dean Witter in 1991 which eventually became Morgan Stanley and has held positions such as Syndicate Coordinator, Financial Advisor Trainer, and Assistant Branch Manager and now is a Senior Portfolio Management Director.
Jeff provides comprehensive portfolio strategies through a disciplined investment approach.
Jeff was born and raised in the East Bay. He received a bachelor’s degree in Economics from the University at California at San Diego. Jeff has strong ties with the community. He has served on the board of Southern Alameda County Buddhist Church and was the Bazaar Chairman for their single largest fundraiser. He was elected as President of the San Jose Ninga Youth Foundation. Jeff and his wife Sheri love to travel and spend time with family.
Jeff provides comprehensive portfolio strategies through a disciplined investment approach.
Jeff was born and raised in the East Bay. He received a bachelor’s degree in Economics from the University at California at San Diego. Jeff has strong ties with the community. He has served on the board of Southern Alameda County Buddhist Church and was the Bazaar Chairman for their single largest fundraiser. He was elected as President of the San Jose Ninga Youth Foundation. Jeff and his wife Sheri love to travel and spend time with family.
Securities Agent: TX, GA, WI, OH, IN, DC, NV, CT, SC, MI, ME, IL, HI, AZ, VA, UT, MN, FL, CA, AL, WA, NY, OK, NM, NC, LA, TN, MD, MA, ID, CO, PA, OR, NJ, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1282760
CA Insurance License #: 0A49340
NMLS#: 1282760
CA Insurance License #: 0A49340
About Kingman Lowe
For more than 25 years, Kingman has been committed to helping his client’s to attain financial success through meticulous planning and prudent investing. He prides himself in taking the time to gain a thorough understanding of his client’s lifetime goals and aspirations. Though most financial roadmaps are built around linear calculations, many of us would agree that no one lives a "linear" life. Through the years, Kingman has learned that his relationships with clients are dynamic. Kingman is experienced in dealing with complex family dynamics, career and business challenges, health concerns, and special needs situations.
Kingman believes that a comprehensive plan should include more than wealth building and retirement income planning strategies; in addition, a truly robust plan should address issues such as liability management. Topics such as mortgage debt, life insurance, college funding, longevity and long-term care planning, business succession, wealth transition and protecting your legacy for the future are never overlooked.
Kingman is a native Californian from Castro Valley, California. His family owned a successful grocery business in the East Bay for over four decades. Growing up and working in the family business has not only provided him with a strong work ethic but a crucial understanding of what is required to build meaningful client relationships. He understands that only through accountability, open communication, trust, and transparency that both parties can hope to achieve long lasting success. Kingman graduated from UC Santa Cruz with a double major in Biology and Environmental Studies. He also holds an Associate Investment Consultant (AIC) certification from the Wharton Business School at University of Pennsylvania. Kingman currently resides in San Ramon, California with his wife Mijean and children Madison and Mason. He enjoys traveling with his family, snowboarding, fishing, obstacle course racing (Spartan) and grilling.
Kingman believes that a comprehensive plan should include more than wealth building and retirement income planning strategies; in addition, a truly robust plan should address issues such as liability management. Topics such as mortgage debt, life insurance, college funding, longevity and long-term care planning, business succession, wealth transition and protecting your legacy for the future are never overlooked.
Kingman is a native Californian from Castro Valley, California. His family owned a successful grocery business in the East Bay for over four decades. Growing up and working in the family business has not only provided him with a strong work ethic but a crucial understanding of what is required to build meaningful client relationships. He understands that only through accountability, open communication, trust, and transparency that both parties can hope to achieve long lasting success. Kingman graduated from UC Santa Cruz with a double major in Biology and Environmental Studies. He also holds an Associate Investment Consultant (AIC) certification from the Wharton Business School at University of Pennsylvania. Kingman currently resides in San Ramon, California with his wife Mijean and children Madison and Mason. He enjoys traveling with his family, snowboarding, fishing, obstacle course racing (Spartan) and grilling.
Securities Agent: SC, NM, MI, OR, WA, OK, MN, HI, VT, VA, UT, LA, WI, FL, NC, MO, ME, KS, CT, AL, PA, ID, RI, OH, NJ, MS, MD, IN, IL, GA, DC, CA, TX, AR, NY, NV, TN, MA, CO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278777
CA Insurance License #: 0C69239
NMLS#: 1278777
CA Insurance License #: 0C69239
About Michael Cruz
Michael began his career at Morgan Stanley in 2011 as a Client Service Associate and shortly after became a Registered Associate and Financial Planning Associate. He is now a Certified Financial Planner™ (CFP®) and Portfolio Management Director. Michael’s skills and experience through changing market cycles enable him to advise clients as they navigate the changes, they encounter transitioning through different stages of their financial lives.
Prior to Morgan Stanley, Michael spent nine years in hospitality with Marriott International. He was born and raised in the Bay Area and grew up in Alameda. He attended college at San Jose State University and CSU East Bay. Michael and his wife Jeannie live in Castro Valley with their two young boys, Cohen and Caleb. Michael and Jeannie are active in the local school and sports community in Castro Valley. Michael enjoys golfing, coaching youth sports, traveling, and a self-proclaimed foodie.
Prior to Morgan Stanley, Michael spent nine years in hospitality with Marriott International. He was born and raised in the Bay Area and grew up in Alameda. He attended college at San Jose State University and CSU East Bay. Michael and his wife Jeannie live in Castro Valley with their two young boys, Cohen and Caleb. Michael and Jeannie are active in the local school and sports community in Castro Valley. Michael enjoys golfing, coaching youth sports, traveling, and a self-proclaimed foodie.
Securities Agent: OR, AL, TX, PA, IA, DC, SC, NV, GA, FL, CA, OK, MN, LA, IL, KY, VA, MO, MI, IN, NM, NJ, MD, ID, ME, WI, CO, TN, PR, MA, CT, WA, OH, KS, AZ, AR, UT, NY, NC, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1437904
CA Insurance License #: #0K79911
NMLS#: 1437904
CA Insurance License #: #0K79911
About Me
Since 2014, Gerald has been working with high net-worth individuals and families to help them define and achieve their financial goals. From next generation education planning to investment management for all ages – Gerald prides himself on creating tailored solutions for each and every one of his clients. Gerald’s goal as your financial advisor is to bring experience, intellectual capital, and dedicated personal service to help you meet your life goals.
Gerald was born and raised in Antioch, CA and graduated from Deer Valley high school. He received an athletic scholarship to attend Fresno Pacific University where he was a member of their NAIA Championship winning swim team. After earning his Bachelor of Art’s degree in Finance, he continued his educational journey at Saint Mary’s College of California, earning his MBA and a Master of Science degree in Financial Analysis and Investment Management. Gerald currently lives in Walnut Creek with his wife Heather and daughter Violet. He enjoys spending time with family and friends, traveling, grilling, and anything related to sports.
Gerald was born and raised in Antioch, CA and graduated from Deer Valley high school. He received an athletic scholarship to attend Fresno Pacific University where he was a member of their NAIA Championship winning swim team. After earning his Bachelor of Art’s degree in Finance, he continued his educational journey at Saint Mary’s College of California, earning his MBA and a Master of Science degree in Financial Analysis and Investment Management. Gerald currently lives in Walnut Creek with his wife Heather and daughter Violet. He enjoys spending time with family and friends, traveling, grilling, and anything related to sports.
Securities Agent: OH, DC, WA, NC, MT, MI, IN, TX, NJ, MN, IL, CA, AL, OR, IA, CO, AR, CT, WI, VA, SC, NM, LA, GA, AZ, TN, PA, NV, MD, KY, OK, UT, ME, KS, ID, NY, NH, MA, HI, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1722387
NMLS#: 1722387
Contact Jeffrey Minamide
Contact Kingman Lowe
Contact Michael Cruz
Contact Gerald Gee
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 The 808 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.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
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.
11Morgan 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.
12Morgan 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
13Investors 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.
14Annuities 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
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
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.
11Morgan 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.
12Morgan 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
13Investors 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.
14Annuities 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
CRC 6491812 (04/2024)