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.*
Long sunny days and the smell of barbeques are sure signs that summer has arrived. But before you kick off your shoes and disconnect, consider checking your financial plan to make sure you’re still tracking toward your short- and long-term goals. Changes in the market or shifts in your personal circumstances sometimes require adjustments to your financial plan.
Here’s a mid-year checklist to help get you started:
Here’s a mid-year checklist to help get you started:
1. Review Your Portfolio
Periodically reviewing and rebalancing your portfolio is important in any market environment. For example, the ups and downs of the markets can cause your portfolio to drift away from your goal, potentially making it riskier or more conservative than intended. Your Morgan Stanley Financial Advisor can help you make the adjustments needed to bring your investments back into alignment with your risk tolerance and overall investing strategy.
Midyear is also a good time to prepare for what may be ahead for markets. Morgan Stanley’s 2025 Midyear Investment Outlook reports equities and high-quality fixed income markets should provide reasonable returns as the global economy slows but avoids a recession. Ask your Financial Advisor how to position your portfolio for such changing economic and market conditions in light of your short- and long-term goals.
Midyear is also a good time to prepare for what may be ahead for markets. Morgan Stanley’s 2025 Midyear Investment Outlook reports equities and high-quality fixed income markets should provide reasonable returns as the global economy slows but avoids a recession. Ask your Financial Advisor how to position your portfolio for such changing economic and market conditions in light of your short- and long-term goals.
2. Check in on Your Retirement Plan
Checking in on your retirement plan can help ensure you’re tracking toward your goal of a financially secure retirement. A mid-year review is a great time to assess where you stand. If you are off-track, work with your Financial Advisor to determine why.
For instance, if you’re still saving regularly but falling short because your investments aren’t performing, your Financial Advisor may suggest changes to your asset allocation strategy or to specific investments you’ve chosen. This may entail shifting portfolio risk, to the extent you’re comfortable. You may also consider increasing your savings levels, stretching out the time horizon until you retire or even reducing the ambitiousness of your retirement spending plans. For some investors, the most palatable option is a little of each of these approaches.
Alternately, if you are doing better than anticipated, maybe now is a good time to reassess your risk exposure to lock in that progress and help protect against future market volatility.
For instance, if you’re still saving regularly but falling short because your investments aren’t performing, your Financial Advisor may suggest changes to your asset allocation strategy or to specific investments you’ve chosen. This may entail shifting portfolio risk, to the extent you’re comfortable. You may also consider increasing your savings levels, stretching out the time horizon until you retire or even reducing the ambitiousness of your retirement spending plans. For some investors, the most palatable option is a little of each of these approaches.
Alternately, if you are doing better than anticipated, maybe now is a good time to reassess your risk exposure to lock in that progress and help protect against future market volatility.
3. Revisit Your Insurance Needs
While priorities like budgeting and taxes often take center stage at the beginning or end of the year, summer can be an ideal time to focus on areas of your financial life that may otherwise get overlooked. For many people, insurance coverage is one of those areas.
Changes in personal relationships, lifestyle needs and performance of the market are often good reminders to check-in. Make sure your policies are titled correctly, benefit levels meet your needs and planned premium payments of flexible permanent policies remain as scheduled. Review your life, disability and long-term care policies to help ensure your coverage sufficiently protects your wealth, livelihood and loved ones. For folks who have increased their net worth or who own multiple high-value assets, it may also be time to think about property and casualty insurance or increasing coverage if you already have a policy.
Changes in personal relationships, lifestyle needs and performance of the market are often good reminders to check-in. Make sure your policies are titled correctly, benefit levels meet your needs and planned premium payments of flexible permanent policies remain as scheduled. Review your life, disability and long-term care policies to help ensure your coverage sufficiently protects your wealth, livelihood and loved ones. For folks who have increased their net worth or who own multiple high-value assets, it may also be time to think about property and casualty insurance or increasing coverage if you already have a policy.
4. Refresh Your Estate Plan
Estate plans typically reflect a person’s wishes at a moment in time. As you move through life, important events such as births, deaths and marriages, as well as evolving personal relationships, could affect both whom you entrust with sensitive medical and financial decisions that may one day need to be made on your behalf at the end of your life, as well as how you ultimately want your wealth and assets distributed after you pass. That’s why it’s imperative to periodically review estate planning documents closely, especially if you’re in retirement. While often challenging, this type of planning is essential if you hope to ease a difficult process for the people you love and to help ensure that your wishes are respected.
5. Identify New Tax-Saving Strategies
Often, the smartest tax strategies are put into action well before Tax Day. Now that tax season is in the rear view mirror, you can start by looking over your latest Form 1040 federal tax return with your Financial Advisor to identify strategies that may help reduce your income tax bill in the future. These may include ideas such as donating to charity, “harvesting” investment losses and/or saving for future education costs in a tax-advantaged account.
For example, you could ask your Morgan Stanley Financial Advisor about the benefits of active tax management for your portfolio. Such customizable services can work throughout the year to harvest losses that may be used to offset capital gains and help you keep more of what you earn. Over the last 10 years, the average tax savings yield for clients enrolled in Morgan Stanley’s Tax Managed Services was an estimated 1.35% per year.
If you’re retired, you may also want to connect with your Financial Advisor to review your current sources of income and identify potential opportunities to maximize the tax-efficiency of your portfolio distributions through techniques such as income smoothing and tax-efficient withdrawals. Morgan Stanley’s Intelligent Withdrawals tool uses sophisticated analysis across all of your accounts to quickly find the right withdrawal strategy to help reduce the taxes you may owe.
For example, you could ask your Morgan Stanley Financial Advisor about the benefits of active tax management for your portfolio. Such customizable services can work throughout the year to harvest losses that may be used to offset capital gains and help you keep more of what you earn. Over the last 10 years, the average tax savings yield for clients enrolled in Morgan Stanley’s Tax Managed Services was an estimated 1.35% per year.
If you’re retired, you may also want to connect with your Financial Advisor to review your current sources of income and identify potential opportunities to maximize the tax-efficiency of your portfolio distributions through techniques such as income smoothing and tax-efficient withdrawals. Morgan Stanley’s Intelligent Withdrawals tool uses sophisticated analysis across all of your accounts to quickly find the right withdrawal strategy to help reduce the taxes you may owe.
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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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: NJ, MD, WI, MI, IL, CO, GA, TN, CT, TX, FL, AZ, NC, CA, SC, NY, NV, WA, VA; 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
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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
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Family
Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Financial Wellness
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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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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)
