Bill Stash, MBA, CFP®
Executive Director, Financial Advisor
The Amelia Island Group at Morgan Stanley
Direct:
(904) 572-3242(904) 572-3242
Our Mission Statement
Bringing Financial Peace to Your Financial Plan.
Our Story and Services
The Amelia Island Group at Morgan Stanley, located in Fernandina Beach, Florida, knows financial success brings challenges.
We use our knowledge and experience, working with high net worth individuals, to empower you to master the ever-increasing complexities of holistic financial planning, risk assessment, asset management, and generational wealth transfers.
Coupling the full suite of Morgan Stanley’s analytical tools with our own decades of insights, we work with you to help ensure the wealth you have earned is protected and preserved, not just so you can maintain your lifestyle, but also so it will be there for your family’s future generations.
A family legacy is more than just wealth transfer. We take a deep listening approach to our initial and regular meetings so we can understand not just your current financial situation, your existing spending patterns, and what transitions you may be facing soon, but also your family’s values.
Values are at the core of our practice. We’re family and community focused. Call us old fashioned, but we pride ourselves on taking a small-town approach to business. Once you sign up with The Amelia Island Group you become part of our extended family and community.
We use our knowledge and experience, working with high net worth individuals, to empower you to master the ever-increasing complexities of holistic financial planning, risk assessment, asset management, and generational wealth transfers.
Coupling the full suite of Morgan Stanley’s analytical tools with our own decades of insights, we work with you to help ensure the wealth you have earned is protected and preserved, not just so you can maintain your lifestyle, but also so it will be there for your family’s future generations.
A family legacy is more than just wealth transfer. We take a deep listening approach to our initial and regular meetings so we can understand not just your current financial situation, your existing spending patterns, and what transitions you may be facing soon, but also your family’s values.
Values are at the core of our practice. We’re family and community focused. Call us old fashioned, but we pride ourselves on taking a small-town approach to business. Once you sign up with The Amelia Island Group you become part of our extended family and community.
Services Include
- Financial PlanningFootnote1
- Cash Management and Lending ProductsFootnote2
- Wealth ManagementFootnote3
- Life InsuranceFootnote4
- Business Succession PlanningFootnote5
- Retirement PlanningFootnote6
- Long Term Care InsuranceFootnote7
- Estate Planning StrategiesFootnote8
- Trust AccountsFootnote9
- Planning for Education FundingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Personal finance habits evolve as your life gets more financially complex, and having a good understanding of financial literacy can help you make more informed decisions. The good news is that you don’t have to navigate the process alone. By working with us, you can create a financial plan that helps keeps you on track while giving you the flexibility to adjust as your needs change.
From budgeting basics to planning your legacy, use this checklist to assess your progress and identify opportunities to improve your financial outlook.
From budgeting basics to planning your legacy, use this checklist to assess your progress and identify opportunities to improve your financial outlook.
1. Nail Down Your Cash Flow
Your daily income and spending habits can be two factors that impact your ability to save and invest. Understanding your cash flow is essential to making informed decisions, including avoiding unnecessary debt and setting realistic financial goals.
Creating a household budget lets you easily visualize your spending patterns over time. Once you understand where your money goes on a monthly basis, look for opportunities to free up cash for an emergency fund that can cover unexpected expenses like medical bills or job loss. Having three to six months’ worth of funds available in a savings account can help you keep minor issues from becoming major financial setbacks.
Creating a household budget lets you easily visualize your spending patterns over time. Once you understand where your money goes on a monthly basis, look for opportunities to free up cash for an emergency fund that can cover unexpected expenses like medical bills or job loss. Having three to six months’ worth of funds available in a savings account can help you keep minor issues from becoming major financial setbacks.
2. Enroll in Your Company’s Retirement Plan
Putting aside some money for retirement on a recurring basis can help you build your nest egg. Even if you’re decades away from retirement, getting started early–even if it’s small increments–can go a long way.
Most people begin their retirement journey by participating in employer-sponsored 401(k) plans. Many employers offer matching contributions, allowing you to earn extra money from your company while saving more for retirement.
In addition, some employers offer equity plans that allow employees to invest in company stock, providing another way to prepare for the future. Keep in mind that the funds you invest in a 401(k) or equity plan may not be accessible until you reach retirement or meet specific vesting requirements, such as working for your company for a certain number of years.
Most people begin their retirement journey by participating in employer-sponsored 401(k) plans. Many employers offer matching contributions, allowing you to earn extra money from your company while saving more for retirement.
In addition, some employers offer equity plans that allow employees to invest in company stock, providing another way to prepare for the future. Keep in mind that the funds you invest in a 401(k) or equity plan may not be accessible until you reach retirement or meet specific vesting requirements, such as working for your company for a certain number of years.
3. Put Excess Cash Toward Investments
Once you’ve established your budget, savings and retirement allocations, you can start putting your excess income to work through investing.
Saving and investing are very different financial strategies. Having a savings account can help you access money for short-term needs or emergencies. With investing, you’ll have the chance to earn money on your investments over time, with potential returns that may surpass a high-yield savings account. This can help you kickstart your pursuit of long-term financial goals.
Investments can climb in value when financial markets are doing well, but there are some risks to consider. Your investments may fluctuate as the market experiences volatility. It’s important not to panic in times of market uncertainty.
Saving and investing are very different financial strategies. Having a savings account can help you access money for short-term needs or emergencies. With investing, you’ll have the chance to earn money on your investments over time, with potential returns that may surpass a high-yield savings account. This can help you kickstart your pursuit of long-term financial goals.
Investments can climb in value when financial markets are doing well, but there are some risks to consider. Your investments may fluctuate as the market experiences volatility. It’s important not to panic in times of market uncertainty.
4. Plan for Milestone Moments
In addition to building wealth, it’s crucial to plan ahead for major life events like marriage, buying a home and saving for your children's education so you’re financially ready when the time comes.
Different goals may require different strategies, depending on how much you need to save and how much time you have. For example, saving for a wedding or house may only take a few years, while saving for a child’s college education can take decades. The good news is, there are savings tools that can help you achieve these goals. For example, a 529 Education Savings plan can be a tax-advantaged way to save for future education costs.
Different goals may require different strategies, depending on how much you need to save and how much time you have. For example, saving for a wedding or house may only take a few years, while saving for a child’s college education can take decades. The good news is, there are savings tools that can help you achieve these goals. For example, a 529 Education Savings plan can be a tax-advantaged way to save for future education costs.
5. Consider the Role Taxes Can Play
Taxes influence nearly every aspect of your financial life, from your investment choices to your retirement strategy and estate planning.
Implementing tax-aware strategies as part of your investment approach can help you keep more of your portfolio returns while potentially reducing your overall tax burden. You can also consider tax-advantaged strategies such as annuities to help make your savings last.
Implementing tax-aware strategies as part of your investment approach can help you keep more of your portfolio returns while potentially reducing your overall tax burden. You can also consider tax-advantaged strategies such as annuities to help make your savings last.
6. Think About Your Legacy
As your life becomes more complex, whether that’s a growing family or the accumulation of more assets, you’ll want a plan in place to help ensure your assets are protected and your family is secure. It’s never too early to start estate planning, regardless of how much–or how little–wealth you have. An estate plan can include a will and trust, which can help you plan and provide for loved ones, including seeking to minimize the tax burden from inherited assets and quell any disagreements over dividing funds.
Life insurance can also help protect your family’s financial future after you’re gone. You can revisit your policy and tailor your coverage depending on what you may need at different stages of life.
Life insurance can also help protect your family’s financial future after you’re gone. You can revisit your policy and tailor your coverage depending on what you may need at different stages of life.
PLANNING FOR TODAY AND TOMORROW
Goals and personal circumstances naturally change over time as families, couples and individuals navigate life's transitions, for better or worse, for the short-term or the long-term. Similarly, economic circumstances change, particularly in the short-term.
Our process is designed to create a financial plan and wealth management strategy that can evolve with the changing circumstances of your life as well as the economy.
- Certified Financial Planning (CFP®)
CFP® Professionals have met extensive training and experience requirements, and commit to the CFP Board's ethical standards that require them to put their clients' interest first.
Bill holds this designation.
- Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and effective platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
- LifeView Intelligent Planning
Leveraging our LifeView Goal Analysis tool, we can work with you to create a personalized wealth strategy. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
- Spending and Budgeting tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. This tool helps advisors monitor clients cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
- Aladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management's platform to improve the quality, transparency and efficiency of the end to end risk management processes for the firm and our clients.
EXEMPLIFYING SMALL-TOWN VALUES
As a team, we’re not just committed to our client community, but to the community at large. Like most of our clients, we’re not native Amelia Islanders. The Stash family chose to put down roots here in the Amelia Island area after Bill’s years in the U.S. Navy. While the natural beauty and picturesque charm of this community initially attracted us, as it does so many others, it was the warmth and generosity of spirit of the people living here that convinced us to make it our home.
Along with enjoying the company and attending events of his seven grandchildren, Bill Stash is active in his faith community, helping to provide guidance as an Elder to his church and counsel as a Board Member to the local Christian Radio Station. Andrew Stash is deeply involved with the local YMCA, coaching, refereeing, and helping ensure that health and fitness opportunities are available for all the area’s population, regardless of economic circumstances. And Karen MacNair is on the board of the Amelia Island Dance Festival, that offers not just entertainment, but education and outreach to the entire community.
We embrace Morgan Stanley’s culture of global citizenship. The firm invests in children’s health initiatives and education programs, among other causes, that better our people and society. The Amelia Island Group is proud to be part of the firm’s philanthropic tradition.
Along with enjoying the company and attending events of his seven grandchildren, Bill Stash is active in his faith community, helping to provide guidance as an Elder to his church and counsel as a Board Member to the local Christian Radio Station. Andrew Stash is deeply involved with the local YMCA, coaching, refereeing, and helping ensure that health and fitness opportunities are available for all the area’s population, regardless of economic circumstances. And Karen MacNair is on the board of the Amelia Island Dance Festival, that offers not just entertainment, but education and outreach to the entire community.
We embrace Morgan Stanley’s culture of global citizenship. The firm invests in children’s health initiatives and education programs, among other causes, that better our people and society. The Amelia Island Group is proud to be part of the firm’s philanthropic tradition.
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Learn MoreLocation
9900 Amelia Island Parkway
Suite 600
Fernandina Beach, FL 32034
US
Direct:
(904) 572-3242(904) 572-3242
Meet The Amelia Island Group
Andrew Stash
First Vice President, Financial Advisor
Phone:
(904) 572-3240(904) 572-3240
Karen MacNair
Senior Client Service Associate
Phone:
(904) 572-3243(904) 572-3243
About Bill Stash, MBA
Bill Stash feels called to empower his clients with the knowledge and confidence to achieve their financial goals. For more than two decades, first with PaineWebber, then with Wells Fargo Advisors, and now with Morgan Stanley Wealth Management, he has been helping individuals, couples and families develop investment plans that target their long-term financial goals while considering their tolerance for risk.
It’s his decade in the U.S. Navy that Bill credits with providing the foundation for his subsequent success as a financial advisor. Enlisting in the Navy to serve his country and further his education, Bill trained as a Submarine Sonar Technician, learning deep listening skills, an attention to detail, a disciplined approach to planning, and a mission orientation that he’s carried over to his client service. While earning his MBA from Brenau University, Bill discovered he had a love for the field of investing. Bill realized the skills he had developed in the Navy, coupled with his education, gave him an opportunity to educate and enable people to overcome their anxieties and achieve their life dreams.
Since then, Bill has used those skills, his education and his experience to help his clients thrive in boom times and weather financial crises. He has earned a Certified Financial Planner® (CFP®) practitioner designation from the Certified Financial Planner Board of Standards, Inc. He was recognized as a Wells Fargo Premier Advisor from 2014 to 2021, a distinction held by a select group of that firm’s financial advisors as measured by completion of educational components, business production and professionalism. He has also been recognized as a 2019-2022 Forbes Best-in-State Wealth Advisor, based on industry experience, interviews, compliance records, assets under management, revenue and other criteria.
Bill is a previous board member of The Boys and Girls Club of Nassau County and is actively involved with his faith community serving as an Elder in his local church. He enjoys running, bowling and playing golf. Bill and his wife Julie live on Amelia Island and have three grown children and six grandchildren.
2019-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
It’s his decade in the U.S. Navy that Bill credits with providing the foundation for his subsequent success as a financial advisor. Enlisting in the Navy to serve his country and further his education, Bill trained as a Submarine Sonar Technician, learning deep listening skills, an attention to detail, a disciplined approach to planning, and a mission orientation that he’s carried over to his client service. While earning his MBA from Brenau University, Bill discovered he had a love for the field of investing. Bill realized the skills he had developed in the Navy, coupled with his education, gave him an opportunity to educate and enable people to overcome their anxieties and achieve their life dreams.
Since then, Bill has used those skills, his education and his experience to help his clients thrive in boom times and weather financial crises. He has earned a Certified Financial Planner® (CFP®) practitioner designation from the Certified Financial Planner Board of Standards, Inc. He was recognized as a Wells Fargo Premier Advisor from 2014 to 2021, a distinction held by a select group of that firm’s financial advisors as measured by completion of educational components, business production and professionalism. He has also been recognized as a 2019-2022 Forbes Best-in-State Wealth Advisor, based on industry experience, interviews, compliance records, assets under management, revenue and other criteria.
Bill is a previous board member of The Boys and Girls Club of Nassau County and is actively involved with his faith community serving as an Elder in his local church. He enjoys running, bowling and playing golf. Bill and his wife Julie live on Amelia Island and have three grown children and six grandchildren.
2019-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: NC, MD, SC, NY, NV, CO, WA, VA, NJ, WI, MI, IL, GA, TN, CA, TX, FL, AZ; General Securities Representative; Investment Advisor Representative
About Me
Andrew Stash distinctly remembers when he first fell in love with the world of finance: it was in fifth grade when the class played a stock broker game. His love for the field grew exponentially once he joined the industry after college and realized that as a financial advisor he could help provide clients with a greater level of confidence.
Andrew focuses on crafting long-term plans for clients who are planning for retirement, saving for their children's educations, and looking to grow and preserve their wealth. He strives to be an unflappable guide who can provide clients with a comprehensive and flexible plan but also the historic perspective and confidence to weather the inevitable changes in the market and still remain on course.
After graduating Georgia Southern University Andrew joined his father, Bill, at Wells Fargo Advisors as a Client Associate. He became a full partner one year later and achieved the title of Associate Vice President after only five years.
Andrew sits on the board of the local YMCA, where he also coaches and referees. He plays basketball in a local Men’s League and is a fan of the University of Georgia Bulldogs. Andrew and his wife Kala are both avid kayakers. They have one daughter.
Andrew focuses on crafting long-term plans for clients who are planning for retirement, saving for their children's educations, and looking to grow and preserve their wealth. He strives to be an unflappable guide who can provide clients with a comprehensive and flexible plan but also the historic perspective and confidence to weather the inevitable changes in the market and still remain on course.
After graduating Georgia Southern University Andrew joined his father, Bill, at Wells Fargo Advisors as a Client Associate. He became a full partner one year later and achieved the title of Associate Vice President after only five years.
Andrew sits on the board of the local YMCA, where he also coaches and referees. He plays basketball in a local Men’s League and is a fan of the University of Georgia Bulldogs. Andrew and his wife Kala are both avid kayakers. They have one daughter.
Securities Agent: WA, WY, VT, TN, OH, NV, LA, MI, MA, CT, AZ, AK, SD, IN, PR, NM, MT, RI, OK, MS, MN, KS, IL, DE, AL, HI, MD, NE, NH, PA, SC, UT, WI, WV, MO, CO, OR, NY, NJ, ND, KY, ID, CA, DC, FL, GA, ME, VI, VA, TX, NC, IA, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative
About Karen MacNair
Karen serves as our administrative professional. She provides excellent service by processing client requests, resolving inquiries, maintaining client records and providing solutions to client’s needs. Karen also onboards new clients by opening accounts and assisting them with becoming familiar Morgan Stanley Online and the Morgan Stanley Mobile App.
Karen has over 20 years’ experience in the financial industry and is knowledgeable in financial service products, operational procedures, and handling estate needs. She assists the Financial Advisors in developing marketing strategies and planning client events and seminars.
Karen and her husband moved to Amelia Island from St. Louis in 2013. She attended the University of Florida and the University of West Florida and has a degree in Marketing. She is on the board of the Amelia Island Dance Festival. Karen and her husband have three grown children. In her spare time, she enjoys reading, kayaking and walking on our local beaches
Karen has over 20 years’ experience in the financial industry and is knowledgeable in financial service products, operational procedures, and handling estate needs. She assists the Financial Advisors in developing marketing strategies and planning client events and seminars.
Karen and her husband moved to Amelia Island from St. Louis in 2013. She attended the University of Florida and the University of West Florida and has a degree in Marketing. She is on the board of the Amelia Island Dance Festival. Karen and her husband have three grown children. In her spare time, she enjoys reading, kayaking and walking on our local beaches
Contact Bill Stash, MBA
Contact Andrew Stash
Wealth Management
Global Investment Office
Portfolio Insights
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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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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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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
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 Amelia Island 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
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.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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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.
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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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
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.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
