Randall J Snipes
Senior Vice President, Financial Advisor
Phone:
(706) 823-8113(706) 823-8113
The Augusta Group at Morgan Stanley
Randall J SnipesCamille L Sutton, CFP®, CRPC®, QPFCHeather J Seigler, CRPS®, QPFCAllison BarksdaleErin G. BaileyTonia J. Thomas
Direct:
(706) 724-2601(706) 724-2601
Toll-Free:
(800) 241-2401(800) 241-2401
Our Mission Statement
Helping clients meet their retirement and investment goals by combining our insights into their needs along with the resources of Morgan Stanley
About Us
For us, retirement planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve. It means striving to ensure they have the means to pursue what's most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we develop on their behalf.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Navigating Major Life Events
Most major life events have financial implications. We are here to help you through them and make the right financial decisions for you and your family.
Marriage
Few events are more exciting than when you decide to align your life with the person you love. We help you plan for these milestones and guide these conversations.
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Divorce
Divorcing a spouse can be a difficult ordeal, with repercussions that affect your emotional and financial well-being. We can help you can prepare for these difficult situations and help you to feel more in control and better equipped to make informed decisions about your financial future.
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Widowhood
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention. That is why we help you plan ahead to ensure that your wishes and your will are followed.
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Retirement
Saving for retirement is a lifelong process that relies on defined financial planning strategies. We help guide you through this process each step of the way toward achieving their retirement goals.
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Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
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Business
From executive-level employment situations to other business ventures—from startups to established enterprises we can help you navigate the complexities of business ownership and investment and associated activities such as selling, divesting or planning for succession.
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Birth
Welcoming a child into the family is a joyous occasion for everyone from parents and grandparents to aunts, uncles, siblings, cousins and other extended family members. Therefore, we help you and other family members plan and prepare for the financial components that a new child may introduce into your lives
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Education
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situations.
Click Here To Learn MoreOur Five-Step Process
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introduction Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Getting To Know You
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Financial Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass retirement, estate planning, and risk management techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools, so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
A Financial Plan Designed For You
Our wealth management process begins with you, breaking down your investment objectives and your financial goals. Holistic in its approach, it may encompass virtually all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
We understand that the goals you set now will evolve as time goes on. Your plan will evolve with them – along with the changing circumstances of your life.
Leveraging the robust resources here at Morgan Stanley, we can help you take charge of your financial future and achieve your goals. Below, we have a few tools that we use along with links to provide further insight. Please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
We understand that the goals you set now will evolve as time goes on. Your plan will evolve with them – along with the changing circumstances of your life.
Leveraging the robust resources here at Morgan Stanley, we can help you take charge of your financial future and achieve your goals. Below, we have a few tools that we use along with links to provide further insight. Please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Complete Questionnaire Here
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client 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.
Start Using the Tool TodayModern Wealth Management Tools and Team News
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take a look at just a few of the many tools and resources we have to offer our clients. Furthermore, take some time to read our quarterly newsletters where we keep our clients up to speed on the market, our team, and general lifestyle trends.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn More About Morgan Stanley Online
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital Vault
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn More About Total Wealth View
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About MS Reserved
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Check Out the Latest EpisodeLocation
1 Tenth St
Suite 600
Augusta, GA 30901
US
Direct:
(706) 724-2601(706) 724-2601
Toll-Free:
(800) 241-2401(800) 241-2401
Meet The Augusta Group
Camille L Sutton, CFP®, CRPC®, QPFC
Senior Vice President, Financial Advisor
Phone:
(706) 823-8136(706) 823-8136
Heather J Seigler, CRPS®, QPFC
Senior Vice President, Financial Advisor, Senior Institutional Consultant, Corporate Retirement Director
Phone:
(706) 823-8141(706) 823-8141
Tonia J. Thomas
Senior Client Service Associate
Phone:
(706) 823-8110(706) 823-8110
Allison Barksdale
Wealth Management Associate, Financial Planning Specialist
Phone:
(706) 823-8107(706) 823-8107
Erin G. Bailey
Portfolio Associate
Phone:
(706) 823-8121(706) 823-8121
About Randall J Snipes
Randy is a native of upstate South Carolina but has resided in Augusta, Georgia since 1984. Augusta is where he met his wife Gail and together they have two children.
Randy is a graduate of Lander University in Greenwood, South Carolina. He earned his degree in Business Administration. He made a career change in 1998 and began his path of offering advice and guidance in the financial services industry when he joined a large brokerage company. In 2009 he decided to become a member of the Morgan Stanley family. He has been an advisor since 1998.
He holds Series 7, 66, 31 and 10 licenses as well as fixed and variable insurance licenses.
Randy is a graduate of Lander University in Greenwood, South Carolina. He earned his degree in Business Administration. He made a career change in 1998 and began his path of offering advice and guidance in the financial services industry when he joined a large brokerage company. In 2009 he decided to become a member of the Morgan Stanley family. He has been an advisor since 1998.
He holds Series 7, 66, 31 and 10 licenses as well as fixed and variable insurance licenses.
Securities Agent: TN, NC, CO, TX, MD, CA, AL, MS, MA, KS, NY, GA, KY, PA, ID, VA, IL, FL, AZ, SC, MO, LA, OR, DE, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1530253
NMLS#: 1530253
About Camille L Sutton
A Senior Vice President and Financial Advisor, Camille brings over 30 years of experience to her role as a wealth management professional. Her practice includes financial planning, retirement planning, and estate planning with a large emphasis on ensuring individuals achieve their financial goals and dreams.
In 1990, she graduated from Augusta College with a Bachelor of Business Administration degree and began her financial career at a local bank. In 1996, Camille joined then Smith Barney and worked in various supporting roles until she became a Financial Advisor in 2006.
In 2007, she obtained the Certified Financial Planner™ (CFP®) designation and the Chartered Retirement Planning CounselorSM (CRPC®) designation in 2010. She holds FINRA Series 7, 63 and 65 licenses as well as Fixed and Variable Insurance licenses.
Camille was born in Virginia and moved to Augusta as teenager when her father was stationed at Fort Gordon. Married with two children, Camille and her family live in Grovetown. Outside of work, she loves to read and travel.
In 1990, she graduated from Augusta College with a Bachelor of Business Administration degree and began her financial career at a local bank. In 1996, Camille joined then Smith Barney and worked in various supporting roles until she became a Financial Advisor in 2006.
In 2007, she obtained the Certified Financial Planner™ (CFP®) designation and the Chartered Retirement Planning CounselorSM (CRPC®) designation in 2010. She holds FINRA Series 7, 63 and 65 licenses as well as Fixed and Variable Insurance licenses.
Camille was born in Virginia and moved to Augusta as teenager when her father was stationed at Fort Gordon. Married with two children, Camille and her family live in Grovetown. Outside of work, she loves to read and travel.
Securities Agent: MA, MO, TN, CA, FL, OR, NC, LA, ID, MD, KY, CO, AL, TX, GA, DE, VA, DC, AZ, KS, IL, PA, SC, NY, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1278792
NMLS#: 1278792
About Heather J Seigler
Heather has been with Morgan Stanley Smith Barney for 18 years and has 22 years of industry experience. She currently holds the title of Senior Vice President with designations of financial planning specialist and Guided Portfolio Manager within the Portfolio Management Group of Morgan Stanley.
Heather graduated magna cum laude from Southern Wesleyan University in Central, SC with a BS in Business Management. Heather has been named Forbes Top Women Wealth Advisors 2020 and 2021 and Forbes 2021 & 2022 Best-In-State.
Heather is active in community activities including prior Board Chair of Safe Homes of Augusta, Board member of Imperial Theatre, United Way and a Sustaining member of the Junior League of Augusta.
2021 Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2020 Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2021-2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
Heather graduated magna cum laude from Southern Wesleyan University in Central, SC with a BS in Business Management. Heather has been named Forbes Top Women Wealth Advisors 2020 and 2021 and Forbes 2021 & 2022 Best-In-State.
Heather is active in community activities including prior Board Chair of Safe Homes of Augusta, Board member of Imperial Theatre, United Way and a Sustaining member of the Junior League of Augusta.
2021 Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2020 Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2021-2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: MO, AL, SC, TX, IL, GA, CA, PA, KS, DE, TN, MD, VA, ID, OR, NY, DC, NC, MA, FL, CO, AZ, MS, LA, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1278858
NMLS#: 1278858
About Tonia J. Thomas
Tonia is a Sr. Client Service Associate and has been with Morgan Stanley since 2011. She graduated from Brenau University with a BBA in Accounting in 2007 and an MBA in Accounting in 2011. Tonia is responsible for cultivating and enhancing client relationships, onboarding and maintaining client accounts, performing administrative duties, processing client requests, resolving inquiries, providing guidance and making sure key information and documentation remains current.
About Allison Barksdale
Allison has been with Morgan Stanley for 27 years. She graduated from Georgia Southern University in 1995 with a BBA in Finance. Allison is responsible for using her business management knowledge, financial planning and networking talents to provide clients with individualized and comprehensive financial services and investment strategies.
About Erin G. Bailey
Erin has been a Portfolio Associate with Morgan Stanley Smith Barney for the past 22 years. She graduated from Georgia Military College with an AS in Business Administration and then from Brenau University with a BS in Business Management. Erin is responsible for day-to-day
operations and the oversight of all administrative functions. Her tenure and knowledge of the logistics associated with the financial industry allow her to provide clients with the individualized service that is the hallmark of our team.
operations and the oversight of all administrative functions. Her tenure and knowledge of the logistics associated with the financial industry allow her to provide clients with the individualized service that is the hallmark of our team.
Contact Randall J Snipes
Contact Camille L Sutton
Contact Heather J Seigler
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Augusta 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When 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.
4Morgan 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When 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.
4Morgan 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
