Adam Abelson, CFP®, CEPA®
Executive Director, Wealth Management, Financial Advisor, Portfolio Management Director, Family Wealth Director, Alternative Investments Director
Phone:
(727) 773-4668(727) 773-4668
Abelson Wealth Management at Morgan Stanley
Direct:
(727) 773-4626(727) 773-4626
Toll-Free:
(800) 473-7149(800) 473-7149
Industry Award WinnerOur Mission Statement
Our mission is to improve the well-being of our clients by understanding their needs and providing a clear path forward that meets or exceeds their goals.
Welcome
Our wealth management team is here to provide proactive service for all of your calls, questions and needs. When working with us, you can expect a personal approach as we get to know you, your family and what matters most in your lives. By having a solid understanding of each client's situation, goals, objectives, and risk tolerance; we are able to craft strategies that help meet our client's individual financial needs.
We service our clients, both, locally and nationwide. We can meet you at any of our 8 Morgan Stanley Tampa Bay area office locations. We also have the capability to meet you at one of our many offices that span 76 cities across the United States. At Abelson Wealth Management of Morgan Stanley, we seek to improve and protect the well-being of our clients.
We service our clients, both, locally and nationwide. We can meet you at any of our 8 Morgan Stanley Tampa Bay area office locations. We also have the capability to meet you at one of our many offices that span 76 cities across the United States. At Abelson Wealth Management of Morgan Stanley, we seek to improve and protect the well-being of our clients.
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Municipal BondsFootnote4
- Financial PlanningFootnote5
- 401(k) Rollovers
- Cash ManagementFootnote6
- Estate Planning StrategiesFootnote7
- Executive Benefit ServicesFootnote8
- Executive Financial ServicesFootnote9
- Fixed IncomeFootnote10
- Lending Products
- Life InsuranceFootnote11
- 529 PlansFootnote12
- Philanthropic Services
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Global Investment Committee Weekly Insights
This report from Wealth Management Chief Investment Officer Lisa Shalett highlights the GIC's latest thinking on the markets.
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Global Investment Committee Monthly Perspectives
'On the Markets' features a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
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Morgan Stanley Online
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Total Wealth View
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Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
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Certified Financial Planner™ (CFP)
Adam holds his CFP® designation. CFP® professionals have met extensive training and experience requirements, and commit to CFP® Board's ethical standards that requires them to put their clients' interests first. The certification acknowledges Adam's high standard of delivering financial planning.
Qualified Plan Financial Consultant (QPFC)
Kyle, earning this designation, proved skill and experience working with retirement plans and learning about fiduciary services for retirement plans. QPFCs help their clients objectively review their financial situation, isolate potential concerns, and provide recommendations and solutions for tending to these financial matters.
Senior Portfolio Manager
Adam and Kyle are skilled in and have many years of professional experience evaluating the financial portfolios of clients to identify investment decisions accordingly. Through rigorous firm testing standards and careful analysis, both are able to offer clients appropriate resources for their needs.
Alternative Investments Director
A specialization within Morgan Stanley, the Alternative Investments Director Designation program was developed for Financial and Private Wealth Advisors who have significantly incorporated Alternative Investments into their practice. Adam currently holds this title.
Equity Compensation
Your equity compensation can have a significant impact in your overall financial picture. Adam and Kyle hold a specialty in equity compensation. By successfully clearing the firm's training and testing, they are able to help in using your equity compensation to work towards your goals.
Family Wealth Director
As a Family Wealth Director, Adam is suited to provide ultra-high net worth clients with a truly differentiated experience, competitive with a multi-family-office service platform. Adam completed rigorous training in a variety of areas, including Family Governance & Wealth Education, Philanthropy Management and Lifestyle Advisory Services, to earn this designation.
Certified Exit Planning Advisor (CEPA®)
The Certified Exit Planning Advisor (CEPA®) credential is for professional advisors who want to assist business owners build more valuable companies, have stronger personal financial plans, and align their personal goals. Adam leverages his training to help owners plan their exit and succession strategy for a smooth transition that is suitable for you.
Community Involvement
Ruth Eckerd Hall
Ruth Eckerd Hall is a premier performing arts venue and live-performance organization located in Clearwater, Florida. It is a nonprofit and is known for its world-class acoustics and elegant architecture, providing an exceptional experience for patrons. Ruth Eckerd Hall operates a variety of local venues and hosts a diverse range of performances, including concerts, Broadway shows, dance productions and more. REH is also the primary source of arts education in Pinellas County public schools and provides financial assistance to students in need. Adam serves on the Board of Trustees of Ruth Eckerd Hall and serves as the Investment Committee Chair.
Morton Plant Mease Health Care Foundation
Morton Plant Mease Health Care Foundation supports the mission of the Morton Plant Mease Health Care System, which encompasses the major local hospitals of Morton Plant Hospital (Clearwater), Mease Countryside Hospital, Mease Dunedin Hospital, and Morton Plant North Bay Hospital. The Foundation serves as a bridge between donors and the healthcare system, ensuring that resources are utilized effectively to benefit patients and their families. Kyle sits on the Steering Committee of the Skip Kline Society, a subsidiary of the foundation, which specifically fundraises for pediatric care.
TOP Jewish Foundation
TOP Jewish Foundation is a philanthropic community foundation that serves donors and non-profits throughout Florida and the United States. It provides an investment platform for Donor Advised Funds and privately managed funds for charities. TOP serves as a strategic partner for its participating communities, charities, and donors to optimize the impact of their charitable assets. Adam serves on the Board of Trustees of TOP and serves as the Investment Committee Chair.
Berkeley Preparatory School
Berkeley Preparatory School is a distinguished college-preparatory institution located in Tampa, Florida. It provides a rigorous academic curriculum and a comprehensive range of extracurricular activities. With a focus on character development, Berkeley Preparatory School nurtures students to become critical thinkers, compassionate individuals, and responsible global citizens. Known for its commitment to excellence in education, Berkeley Preparatory School prepares students for success in college and beyond. Adam serves on the Alumni Executive Committee of Berkeley Prep.
Junior Achievement of Tampa Bay (JA)
Junior Achievement of Tampa Bay (JA) is a nonprofit organization dedicated to preparing young people for economic success and entrepreneurship. With a focus on financial literacy, work readiness, and entrepreneurship education, JA offers programs and resources to students from kindergarten through high school. Through hands-on experiences and mentorship, JA empowers students to develop critical skills, gain practical knowledge about the business world, and make informed career choices. By fostering a sense of confidence and equipping students with essential life skills, JA helps shape the next generation of business leaders and productive members of society. Kyle serves on the Connections Board for Junior Achievement of Tampa Bay.
The Florida Holocaust Museum
The Florida Holocaust Museum is a renowned institution located in St. Petersburg, Florida. It serves as a memorial and educational center dedicated to preserving the memory of the Holocaust and promoting awareness of human rights issues. Through its exhibits, artifacts, and testimonies, the museum offers a comprehensive and immersive experience that educates visitors about the Holocaust's history and lessons. It also provides a platform for survivors to share their personal stories, fostering empathy, understanding, and a commitment to preventing genocide and promoting tolerance. The Florida Holocaust Museum stands as a powerful reminder of the importance of remembrance and compassion in creating a more just and inclusive world. The Abelson Group is a continual annual supporter of the museum.
Location
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Direct:
(727) 773-4626(727) 773-4626
Toll-Free:
(800) 473-7149(800) 473-7149
Meet Abelson Wealth Management
Kyle Huber, QPFC
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(727) 773-4663(727) 773-4663
Jill Matthews
Assistant Vice President, Wealth Management Associate
Phone:
(727) 773-4677(727) 773-4677
Kristin Casey
Portfolio Associate
Phone:
(727) 773-4625(727) 773-4625
About Adam Abelson
Adam focuses on holistic management of the financial lives of his clients. This entails detailed financial and retirement planning, individual portfolio construction, and best practices and problem-solving for unique life events.
As a Family Wealth Director, Adam is specifically trained to work with Ultra High Net Worth clients who may have unique concerns regarding taxes, portfolio construction, security and family dynamics. In his role as a Portfolio Management Director, he doesn’t rely on third-party investment managers. Instead, he prefers to buy and analyze individual stocks, bonds and alternative investments on his own, and creates custom investment portfolios to meet the specific needs of each client. As a CERTIFIED FINANCIAL PLANNER (CFP®), Adam is skilled at putting a client’s entire financial life into a clear picture, including how to balance short-term goals with the long-term objective of retirement security. CFPs® are also required always to put their clients' interests first.
Adam graduated from Duke University with a Bachelor of Science degree in Biology. This scientific background influences his approach to problem solving and analysis.
Born in Palm Harbor, Florida, Adam is an alumnus of Berkeley Preparatory School who’s committed to supporting the local community. He serves on the investment committee for three local non-profit organizations - Ruth Eckerd Hall, TOP Jewish Foundation and Temple Ahavat Shalom. Adam also serves on the alumni board at Berkeley Preparatory School, the board of trustees of the Pinellas County Estate Planning Council, and is an active member of the Skip Cline Society in support of the Morton Plant Mease Health Care Foundation.
Married with a daughter and two mini-poodles, Adam enjoys international travel, global politics, the Tampa Bay Lightning and Chelsea FC, along with spending time outdoors.
Securities Agent: ME, KY, KS, FL, CT, NH, AL, WA, MT, NC, MN, MA, IL, GA, TN, SC, MI, IN, CO, ID, NV, TX, AZ, VT, RI, OR, CA, OK, VA, NY, NJ, HI, DC, PA, OH, MO, MD; General Securities Representative; Investment Advisor Representative NMLS#: 1475839 CA Insurance License #: 0M00446
As a Family Wealth Director, Adam is specifically trained to work with Ultra High Net Worth clients who may have unique concerns regarding taxes, portfolio construction, security and family dynamics. In his role as a Portfolio Management Director, he doesn’t rely on third-party investment managers. Instead, he prefers to buy and analyze individual stocks, bonds and alternative investments on his own, and creates custom investment portfolios to meet the specific needs of each client. As a CERTIFIED FINANCIAL PLANNER (CFP®), Adam is skilled at putting a client’s entire financial life into a clear picture, including how to balance short-term goals with the long-term objective of retirement security. CFPs® are also required always to put their clients' interests first.
Adam graduated from Duke University with a Bachelor of Science degree in Biology. This scientific background influences his approach to problem solving and analysis.
Born in Palm Harbor, Florida, Adam is an alumnus of Berkeley Preparatory School who’s committed to supporting the local community. He serves on the investment committee for three local non-profit organizations - Ruth Eckerd Hall, TOP Jewish Foundation and Temple Ahavat Shalom. Adam also serves on the alumni board at Berkeley Preparatory School, the board of trustees of the Pinellas County Estate Planning Council, and is an active member of the Skip Cline Society in support of the Morton Plant Mease Health Care Foundation.
Married with a daughter and two mini-poodles, Adam enjoys international travel, global politics, the Tampa Bay Lightning and Chelsea FC, along with spending time outdoors.
Securities Agent: ME, KY, KS, FL, CT, NH, AL, WA, MT, NC, MN, MA, IL, GA, TN, SC, MI, IN, CO, ID, NV, TX, AZ, VT, RI, OR, CA, OK, VA, NY, NJ, HI, DC, PA, OH, MO, MD; General Securities Representative; Investment Advisor Representative NMLS#: 1475839 CA Insurance License #: 0M00446
Securities Agent: ME, KY, KS, FL, CT, NH, AL, WA, MT, NC, MN, MA, IL, GA, TN, SC, MI, IN, CO, ID, NV, TX, AZ, VT, RI, OR, CA, OK, VA, NY, NJ, HI, DC, PA, OH, MO, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1475839
CA Insurance License #: 0M00446
NMLS#: 1475839
CA Insurance License #: 0M00446
About Kyle Huber
As a Financial Advisor and Portfolio Manager, Kyle focuses on private wealth management, organic portfolio construction and institutional retirement consulting. He enjoys engaging with clients on a personal level to address their needs through individualized retirement planning, financial planning and portfolio research. He holds Series 7, 63 and 65 securities licenses.
Kyle began his career in 2014 in Tampa as a research analyst at an independent investment advisory firm, where he developed a strong foundation in research and analytics for both the equity and bond markets. In 2019, he joined The Abelson Wealth Management Group at Morgan Stanley. In 2021 and 2022, he was named to Morgan Stanley's Pacesetter's Club, a global recognition program for Financial Advisors who within their first five years demonstrate the highest professional standards and first-class client service.
Kyle graduated from the Sykes College of Business at The University of Tampa, where he earned a Bachelor of Science degree in Finance with a concentration in Economics.
Born and raised in Sussex County, New Jersey, Kyle made Florida his permanent home in 2010 and lives in Dunedin. Away from the office, he enjoys spending time with family, boating, fishing, golfing and biking. Within the community, Kyle sits on the Steering Committee of the Skip Cline Society (a subsidiary of the Morton Plant Mease Health Care Foundation) which specifically fundraises for pediatric care. Kyle also serves on the Connections Board for Junior Achievement of Tampa Bay.
Securities Agent: AL, FL, HI, VT, SC, RI, OR, WA, VA, ME, MD, CA, NJ, NH, CO, AZ, MO, MN, KS, PA, MT, KY, IL, TX, IN, CT, TN, OK, OH, NY, NV, ID, DC, NC, MI, MA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2102633 CA Insurance License #: 4218576
Kyle began his career in 2014 in Tampa as a research analyst at an independent investment advisory firm, where he developed a strong foundation in research and analytics for both the equity and bond markets. In 2019, he joined The Abelson Wealth Management Group at Morgan Stanley. In 2021 and 2022, he was named to Morgan Stanley's Pacesetter's Club, a global recognition program for Financial Advisors who within their first five years demonstrate the highest professional standards and first-class client service.
Kyle graduated from the Sykes College of Business at The University of Tampa, where he earned a Bachelor of Science degree in Finance with a concentration in Economics.
Born and raised in Sussex County, New Jersey, Kyle made Florida his permanent home in 2010 and lives in Dunedin. Away from the office, he enjoys spending time with family, boating, fishing, golfing and biking. Within the community, Kyle sits on the Steering Committee of the Skip Cline Society (a subsidiary of the Morton Plant Mease Health Care Foundation) which specifically fundraises for pediatric care. Kyle also serves on the Connections Board for Junior Achievement of Tampa Bay.
Securities Agent: AL, FL, HI, VT, SC, RI, OR, WA, VA, ME, MD, CA, NJ, NH, CO, AZ, MO, MN, KS, PA, MT, KY, IL, TX, IN, CT, TN, OK, OH, NY, NV, ID, DC, NC, MI, MA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2102633 CA Insurance License #: 4218576
Securities Agent: AL, FL, HI, VT, SC, RI, OR, WA, VA, ME, MD, CA, NJ, NH, CO, AZ, MO, MN, KS, PA, MT, KY, IL, TX, IN, CT, TN, OK, OH, NY, NV, ID, DC, NC, MI, MA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2102633
CA Insurance License #: 4218576
NMLS#: 2102633
CA Insurance License #: 4218576
About Jill Matthews
As a Wealth Management Associate, Jill is passionate about delivering excellent service to clients and highlighting all the world-class resources Morgan Stanley has to offer them. She prides herself on providing unique solutions to unique opportunities.
A seasoned professional with nearly 30 years of experience in the industry, Jill began her career at the corporate home offices of Raymond James. She joined Morgan Stanley in 2011. Jill holds FINRA® Series 7, 63 and 65 licenses, as well as her Life, Health and Variable insurance license.
When away from the office, Jill enjoys spending time with her husband, children and their rescue dogs. She loves to read, garden, cook and travel- especially to new places. Active in the community, she also volunteers regularly with The Ronald McDonald House Charities of Tampa Bay.
A seasoned professional with nearly 30 years of experience in the industry, Jill began her career at the corporate home offices of Raymond James. She joined Morgan Stanley in 2011. Jill holds FINRA® Series 7, 63 and 65 licenses, as well as her Life, Health and Variable insurance license.
When away from the office, Jill enjoys spending time with her husband, children and their rescue dogs. She loves to read, garden, cook and travel- especially to new places. Active in the community, she also volunteers regularly with The Ronald McDonald House Charities of Tampa Bay.
About Kristin Casey
As a Portfolio Associate, Kristin’s primary role is to manage all the operational needs of clients, and she regularly speaks with them to help address their financial questions and transaction requests. She’s often their first point of contact, and coordinates all aspects of their experience. Kristin holds Series 7, 31, 63 and 66 licenses, which means she can accept trades on the behalf of clients.
She began her lengthy career in the financial services industry in 1999 after spending a decade as a corporate executive secretary. Kristin joined The Abelson Wealth Management Group in 2007 after the team moved from Merrill Lynch to Morgan Stanley.
Kristin graduated from Heald Business College in Hayward, California, receiving an honors diploma in the Career Secretarial program with an emphasis on software technology.
Kristin has lived in Crystal Beach, Florida since 1997, with her husband, Rick, and their three dogs.
She began her lengthy career in the financial services industry in 1999 after spending a decade as a corporate executive secretary. Kristin joined The Abelson Wealth Management Group in 2007 after the team moved from Merrill Lynch to Morgan Stanley.
Kristin graduated from Heald Business College in Hayward, California, receiving an honors diploma in the Career Secretarial program with an emphasis on software technology.
Kristin has lived in Crystal Beach, Florida since 1997, with her husband, Rick, and their three dogs.
Contact Adam Abelson
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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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
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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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 Abelson Wealth Management 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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Morgan 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.
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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors 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.
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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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Morgan 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.
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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors 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.
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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.
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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)
