Phone:
(814) 861-1705(814) 861-1705
Our Mission Statement
We serve you and your family by providing tailored guidance to help reach your unique goals.
Our Story and Services
The Atherton Centre Group is dedicated to meeting the needs of both individuals and families as they navigate their busy lives, as well as the challenges and joys of a lifetime.
Our commitment to our clients begins with developing relationships where we can understand their hopes and dreams. This naturally leads to offering an holistic approach to modern wealth planning and financial planning – the tools we use to help our clients reach their goals.
Our team has extensive knowledge in the areas of portfolio management and estate planning strategies, as well as has the benefit of other areas of additional experience. To learn more about our different areas of focus, please visit our individual sites. We came together to create a client service offering that was both deep and wide, so that we can serve not just the needs of individuals and families today, but also to ensure that our clients have a legacy that endures.
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. 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.
Our commitment to our clients begins with developing relationships where we can understand their hopes and dreams. This naturally leads to offering an holistic approach to modern wealth planning and financial planning – the tools we use to help our clients reach their goals.
Our team has extensive knowledge in the areas of portfolio management and estate planning strategies, as well as has the benefit of other areas of additional experience. To learn more about our different areas of focus, please visit our individual sites. We came together to create a client service offering that was both deep and wide, so that we can serve not just the needs of individuals and families today, but also to ensure that our clients have a legacy that endures.
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. 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.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- Alternative InvestmentsFootnote3
- AnnuitiesFootnote4
- Asset Management
- Business Succession PlanningFootnote5
- Corporate Retirement PlansFootnote6
- Estate Planning StrategiesFootnote7
- Exchange Traded FundsFootnote8
- Financial PlanningFootnote9
- Cash Management and Lending ProductsFootnote10
- Life InsuranceFootnote11
- Long-term Care InsuranceFootnote12
- Municipal BondsFootnote13
- Philanthropic ManagementFootnote14
- Professional Portfolio ManagementFootnote15
- Retirement PlanningFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
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Philanthropy
No matter what your philanthropic ambitions, we can help you translate good intentions into an impactful strategy. From finding your cause to creating your own foundation, we are here to help.
Giving Back with Donor Advised Funds
When it comes to helping others, people are opening their wallets—wide. Charitable giving topped $471.44 billion in 2020, making it the highest year of charitable giving on record. After adjusting for inflation, charitable giving increased by 3.8%.
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Using Philanthropy to Give Back to Veterans
Morgan Stanley focuses on creating significant impact through collaborations with nonprofits and employee engagement and promoting diversity, equity, and inclusion in their philanthropic efforts.
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Leveraging Social Media to Raise Funds and Awareness
Whether you’re on Facebook, Twitter, Instagram or any other social media site, the use of social media has become near ubiquitous. In the U.S., 7 out of 10 people use social media sites for news, entertainment and to communicate with family and friends. Given how pervasive social media has become in our lives, how can we harness this connectivity for good? Perhaps put it to work for one’s philanthropy needs.
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720 South Atherton Street
First Floor
State College, PA 16801
US
Direct:
(814) 861-1731(814) 861-1731
Meet The Atherton Centre Group
Phone:
(814) 861-1718(814) 861-1718
First Vice President, Financial Advisor, Senior Portfolio Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(814) 861-1702(814) 861-1702
Nanette Hall, Certified Planning Specialist
Portfolio Associate
Phone:
(814) 861-1731(814) 861-1731
About W Robert Waldeisen
A First Vice President/Portfolio Manager with over 44 years of experience, Rob employs a comprehensive wealth management process to deliver actionable plans specific to individual situations. Rob is dedicated to thoroughly understanding each client’s financial position and utilizes structured fact finding and communication to determine specific goals. His business is focused on developing deep, long-term relationships with his clients, and providing evolving advice tailored to the various stages of their life and the different challenges that arise on each stage of that journey.
Rob, a founding partner in The Atherton Centre Group at Morgan Stanley has been with Morgan Stanley and predecessor firms since 1985. Rob began his career in 1980 at Merrill Lynch. His experience provides him with a foundational understanding of the industry, the significance that team culture plays in building relationships and how an integral focus on process, philosophy, and people can help shape a meaningful experience for clients.
A native of Williamsport Pennsylvania, Rob graduated from the Boston College School of Management with a Bachelor’s Degree in Finance. While currently residing in State College with his spouse Barbara, they enjoy traveling and spending time with family and friends. Rob and Barbara are active supporters of various charitable organizations in the Penn State community. Rob has previously served on Coaches Vs Cancer (Penn State Chapter Board) and was a founding member of the Bob Perks Cancer Assistance Fund.
Rob, a founding partner in The Atherton Centre Group at Morgan Stanley has been with Morgan Stanley and predecessor firms since 1985. Rob began his career in 1980 at Merrill Lynch. His experience provides him with a foundational understanding of the industry, the significance that team culture plays in building relationships and how an integral focus on process, philosophy, and people can help shape a meaningful experience for clients.
A native of Williamsport Pennsylvania, Rob graduated from the Boston College School of Management with a Bachelor’s Degree in Finance. While currently residing in State College with his spouse Barbara, they enjoy traveling and spending time with family and friends. Rob and Barbara are active supporters of various charitable organizations in the Penn State community. Rob has previously served on Coaches Vs Cancer (Penn State Chapter Board) and was a founding member of the Bob Perks Cancer Assistance Fund.
Securities Agent: DE, CO, AR, ID, KS, DC, MS, IA, AK, TX, ME, HI, OH, AL, FL, MT, NH, LA, MN, IN, NM, MD, CA, AZ, KY, MO, VT, ND, OK, WA, MA, PA, SD, WY, GA, NC, VA, TN, CT, NJ, OR, NY, NV, IL, UT, PR, RI, WI, MI, SC, WV, VI, NE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1275771
NMLS#: 1275771
About Edward E Washell
Ed is a Vice President, Financial Advisor and Portfolio Manager with the Atherton Centre Group at Morgan Stanley. With over 30 years of experience, Ed’s extensive career has instilled within him a commitment towards providing honest, holistic advice for people who want to plan for the future but don’t necessarily possess the time or resources to do so on their own. Through a client-centric standard of care, Ed and his team work with each client to identify their long-term objectives and help create a financial plan that will help them pursue what matters most in their lives. Ed truly enjoys working with his clients and is constantly reaffirmed in his efforts when relations with new clients evolve into relationships and friendships that span generations.
Graduating from Penn State University in 1986, Ed earned a B.S. in Finance. Ed then went on to earn the designation of Certified Public Accountant (Ed does not provide accounting or tax advise in his current role at Morgan Stanley). After working in the investment office at Penn State University, Ed joined the Morgan Stanley in 2000 working with individual investors. His experience provided him with a foundational understanding of the industry, the significance culture plays in building relationships and how an integral focus on process, philosophy, and people can help shape a meaningful experience for clients. Ed firmly believes that a proactive, service-oriented approach towards the Atherton Centre Group practice resonates with clients because it demonstrates a collaborative process and how clients are able to work with his team and participate in their own success.
Ed, his wife Stacie, and their dog Chase currently reside in State College. Ed and Stacie have three daughters, Samantha, Sara, and Sydney. Most of their time outside of work and volunteering is spent with family and friends participating in outdoor activities such as fishing and skiing. Ed has served on several nonprofit boards over the years. Ed is a Penn State Alumni Association Lifetime Member.
Graduating from Penn State University in 1986, Ed earned a B.S. in Finance. Ed then went on to earn the designation of Certified Public Accountant (Ed does not provide accounting or tax advise in his current role at Morgan Stanley). After working in the investment office at Penn State University, Ed joined the Morgan Stanley in 2000 working with individual investors. His experience provided him with a foundational understanding of the industry, the significance culture plays in building relationships and how an integral focus on process, philosophy, and people can help shape a meaningful experience for clients. Ed firmly believes that a proactive, service-oriented approach towards the Atherton Centre Group practice resonates with clients because it demonstrates a collaborative process and how clients are able to work with his team and participate in their own success.
Ed, his wife Stacie, and their dog Chase currently reside in State College. Ed and Stacie have three daughters, Samantha, Sara, and Sydney. Most of their time outside of work and volunteering is spent with family and friends participating in outdoor activities such as fishing and skiing. Ed has served on several nonprofit boards over the years. Ed is a Penn State Alumni Association Lifetime Member.
Securities Agent: MA, PA, NV, MD, KY, VA, IN, CT, SC, NY, FL, WA, NC, DC, CO, CA, AR, OR, IL, AZ, MI, GA, NJ, MN, VT, UT, TX, MT, OH, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301207
NMLS#: 1301207
About Thomas M. Hall
Thomas M. Hall, CFP® is a CERTIFIED FINANCIAL PLANNER™ professional and holds the internal Morgan Stanley designations of Financial Planning Specialist, Insurance Planning Director, and Senior Portfolio Manager. With a disciplined process anchored by financial planning, retirement planning, cash management, tax management, and insurance,
Thomas M. Hall, CFP® is well positioned to help meet the Wealth Management needs of University Deans and Professors, Business Owners and Executives, and “Millionaires Next Door.”
Thomas M. Hall, CFP® takes a straightforward approach to Wealth Management: Job Number One is to help clients and their families build wealth and preserve legacies.
A native of Massachusetts, Thomas M. Hall, CFP® has lived in Spain, California, New Mexico, Texas, New York, and Pennsylvania. He holds a B.A. from Hobart College and an M.A. from San Francisco State University.
In his spare time, Thomas M. Hall, CFP® can be found on the golf course, puttering around the yard, or riding dirt bikes and sport-touring motorcycles. He serves on the Vestry of St. Andrew’s Episcopal Church (State College). He and his wife Barbara are supporters of Magee Women's Hospital, Western Pennsylvania Conservancy, Breakthrough Bike Challenge, and the St. Andrew’s Parishioners’ Ministry Fund (which quietly and confidentially helps meet the medical, transportation, and housing needs of Centre County residents in financial stress).
Thomas M. Hall, CFP® is well positioned to help meet the Wealth Management needs of University Deans and Professors, Business Owners and Executives, and “Millionaires Next Door.”
Thomas M. Hall, CFP® takes a straightforward approach to Wealth Management: Job Number One is to help clients and their families build wealth and preserve legacies.
A native of Massachusetts, Thomas M. Hall, CFP® has lived in Spain, California, New Mexico, Texas, New York, and Pennsylvania. He holds a B.A. from Hobart College and an M.A. from San Francisco State University.
In his spare time, Thomas M. Hall, CFP® can be found on the golf course, puttering around the yard, or riding dirt bikes and sport-touring motorcycles. He serves on the Vestry of St. Andrew’s Episcopal Church (State College). He and his wife Barbara are supporters of Magee Women's Hospital, Western Pennsylvania Conservancy, Breakthrough Bike Challenge, and the St. Andrew’s Parishioners’ Ministry Fund (which quietly and confidentially helps meet the medical, transportation, and housing needs of Centre County residents in financial stress).
Securities Agent: OR, NC, MO, CA, UT, CT, AZ, VA, NY, PA, CO, TX, MN, IN, GA, FL, IL, OH, NJ, MD, MI, MA, WA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 534145
NMLS#: 534145
About Nanette Hall
Nanette Hall is a Portfolio Associate with 23 years of financial services industry experience, joining Morgan Stanley in 2013. In this role, she works to help facilitate client service, trades, account maintenance and coordinates the overall day-to-day operations. Prior to joining Morgan Stanley, Nanette held the position of an Investment Associate at Merrill Lynch in State College and a Portfolio Accountant with OFII, Oppenheimer Funds Institutional Inc. Nanette currently holds a series 7, 9, 10 and 66 with the National Association of Securities Dealers (NASD).
Contact W Robert Waldeisen
Contact Edward E Washell
Contact Thomas M. Hall
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Ready to start a conversation? Contact The Atherton Centre 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Annuities 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.
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.
8An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
9Morgan 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Municipal 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.
14Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
15Morgan Stanley’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.
16When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Annuities 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.
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.
8An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
9Morgan 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Municipal 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.
14Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
