Wanda Marie Austin
Managing Director, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(757) 597-9601(757) 597-9601
The Austin-Decher Group at Morgan Stanley
Direct:
(757) 597-9601(757) 597-9601
Toll-Free:
(800) 338-8948(800) 338-8948
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies.
The Austin-Decher Group at Morgan Stanley
Wanda began her career in the financial services industry in October 1980 with Wheat First Securities. After 7 years in various administrative and management positions she pursued her own client relationships as a Vice President-Investment Officer in 1987. In 1992, Wanda combined her talents with Portfolio Manager, John E. Decher III, to form the Austin Decher Group.
After several mergers and acquisitions Wanda and John left Wheat First Union to join Legg Mason Wood Walker in April 1998. Also in 1998 they were joined by their daughter, Christina Austin.
Christina is a partner in the Austin Decher Group and current title is, Senior Vice President – Portfolio Management Director. The team also includes Kayla Garner, Senior Client Service Associate and Catherine Springer, Wealth Management Associate.
After several mergers and acquisitions Wanda and John left Wheat First Union to join Legg Mason Wood Walker in April 1998. Also in 1998 they were joined by their daughter, Christina Austin.
Christina is a partner in the Austin Decher Group and current title is, Senior Vice President – Portfolio Management Director. The team also includes Kayla Garner, Senior Client Service Associate and Catherine Springer, Wealth Management Associate.
Services Include
- UGMA/UTMAFootnote1
- Wealth ManagementFootnote2
- 401(k) Rollovers
- 529 PlansFootnote3
- AnnuitiesFootnote4
- Asset Management
- Cash ManagementFootnote5
- Certificates of DepositFootnote6
- Exchange Traded FundsFootnote7
- Financial PlanningFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Municipal BondsFootnote11
- Qualified Retirement PlansFootnote12
- Retirement PlanningFootnote13
- Trust AccountsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards
2018-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2005-2008 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2005-2008). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2005-2008 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2005-2008). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
- Forbes Magazine, Top 250 Women Wealth Advisors: 2018, 2019, 2020, 2021, 2022, 2023
- Forbes Magazine, America's Best-in-State Wealth Advisors: 2018 , 2019, 2020, 2021, 2022, 2023, 2024
- Featured in Forbes Magazine, Special Edition on Asset Management, October 2010 issue
- Barron's Magazine, The Winner's Circle Top 100 Women Financial Advisors in America: 2005, 2006, 2007, 2008
- Featured in the book, The Winner's Circle IV: Wealth Management Insights from America's Best Financial Advisors by R.J. Shook, published in May 2005
In The Press
Working With You
The Austin-Decher Group at Morgan Stanley uses a comprehensive approach where the client’s needs are always first and foremost.
For us to build this relationship we follow a five step process in designing a customized financial plan.
Step 1 – The Personal Interview
Before structuring your portfolio we will conduct a personal interview with you in order to better understand you and your financial goals as well as your:
Return Expectations
Risk Tolerance
Investment Time Frame
Anticipated Use of Funds
Step 2 – Developing Your Strategy
A comprehensive plan is developed to suit your specific financial situation. This plan also may address issues such as retirement, educational funding and estate planning, as well as tax-minimization strategies.
Step 3 – Presentation of Plan
The Austin-Decher Group will present a comprehensive financial plan that will help identify appropriate diversification strategies to you. Together we will take a look at the foundation of your financial plan and ways to build upon it for the future.
Step 4 – Execution of Plan
After presenting you with a detailed strategy for your portfolio, we work closely with you to bring the elements to life. Based on the recommendations you receive from The Austin-Decher Group, you can then decide which strategy you are most comfortable with. Your ideas and suggestions are important to us, as we want you to feel comfortable with the investments you are undertaking.
Step 5- Monitoring the Plan
Once your plan is in place The Austin-Decher Group will contact you regularly on new opportunities and current standings. Tracking your portfolio is simplified with monthly statements and quarterly reviews that can help keep you abreast of the market as well as online access provided by Morgan Stanley.
For us to build this relationship we follow a five step process in designing a customized financial plan.
Step 1 – The Personal Interview
Before structuring your portfolio we will conduct a personal interview with you in order to better understand you and your financial goals as well as your:
Return Expectations
Risk Tolerance
Investment Time Frame
Anticipated Use of Funds
Step 2 – Developing Your Strategy
A comprehensive plan is developed to suit your specific financial situation. This plan also may address issues such as retirement, educational funding and estate planning, as well as tax-minimization strategies.
Step 3 – Presentation of Plan
The Austin-Decher Group will present a comprehensive financial plan that will help identify appropriate diversification strategies to you. Together we will take a look at the foundation of your financial plan and ways to build upon it for the future.
Step 4 – Execution of Plan
After presenting you with a detailed strategy for your portfolio, we work closely with you to bring the elements to life. Based on the recommendations you receive from The Austin-Decher Group, you can then decide which strategy you are most comfortable with. Your ideas and suggestions are important to us, as we want you to feel comfortable with the investments you are undertaking.
Step 5- Monitoring the Plan
Once your plan is in place The Austin-Decher Group will contact you regularly on new opportunities and current standings. Tracking your portfolio is simplified with monthly statements and quarterly reviews that can help keep you abreast of the market as well as online access provided by Morgan Stanley.
Our Clients
The Austin-Decher Group at Morgan Stanley has a simple commitment:
We are committed to understanding the needs and desires of our clients.
We strive to provide our clients with exceptional financial advice backed by an
experienced team, with the highest level of personal service.
We are committed to understanding the needs and desires of our clients.
We strive to provide our clients with exceptional financial advice backed by an
experienced team, with the highest level of personal service.
Location
701 Town Center Dr
Suite 902
Newport News, VA 23606
US
Direct:
(757) 597-9601(757) 597-9601
Toll-Free:
(800) 338-8948(800) 338-8948
Meet The Austin-Decher Group
Christina M Austin
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(757) 597-9636(757) 597-9636
Kayla Garner
Senior Client Service Associate
Phone:
(757) 597-9604(757) 597-9604
Catherine Springer
Wealth Management Associate
Phone:
(757) 597-9603(757) 597-9603
About Wanda Marie Austin
Professional Details
Series 7, 66 & 31 Licensed
Life, Accident, Health, Variable Annuity & Long Term Care Insurance Licensed
Experience in the Financial Services Industry since 1980
Legg Mason’s Chairman’s Council: 1998, 1999, 2000, 2001, 2002, 2003, 2004,2005
Citi/Smith Barney's Chairman’s Council: 2006
Citi/Smith Barney’s Director’s Council: 2007, 2008
Morgan Stanley/Smith Barney’s President’s Club: 2009, 2010, 2011, 2012, 2013, 2014
Morgan Stanley’s President’s Club: 2015, 2016, 2017
Named to Forbes Magazine's inaugural list of America's Best-in-State Wealth Advisors: 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
Named to Forbes Magazine's list of America's Top 250 Women Wealth Advisors: 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
A native of the Hampton Roads area, Wanda is an active member of her community, dedicating her time and efforts to several philanthropic organizations including the March of Dimes, Special Olympics, Peninsula SPCA, Hampton Roads American Red Cross, Salvation Army and the Peninsula Food Bank.
Charter Member of the Exchange Club of Oyster Point
Instructor for Junior Achievement Programs
Served on the Finance Board of the United Way of the Peninsula
Sustainer Advisor to the Junior League of Hampton Roads
Served as a Board member, Development Chairman, Co-Chairman of the Capital Campaign and Chairman of the Board for the Hampton Roads American Red Cross
Served as a Board member of Riverside Behavioral Health Center
Currently serving on the Board of Riverside Regional Medical Center, since June 2015.
Currently serving on the Riverside Cancer Care Campaign, since July 2017
2018-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2005-2008 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2005-2008). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Series 7, 66 & 31 Licensed
Life, Accident, Health, Variable Annuity & Long Term Care Insurance Licensed
Experience in the Financial Services Industry since 1980
Legg Mason’s Chairman’s Council: 1998, 1999, 2000, 2001, 2002, 2003, 2004,2005
Citi/Smith Barney's Chairman’s Council: 2006
Citi/Smith Barney’s Director’s Council: 2007, 2008
Morgan Stanley/Smith Barney’s President’s Club: 2009, 2010, 2011, 2012, 2013, 2014
Morgan Stanley’s President’s Club: 2015, 2016, 2017
Named to Forbes Magazine's inaugural list of America's Best-in-State Wealth Advisors: 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
Named to Forbes Magazine's list of America's Top 250 Women Wealth Advisors: 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
A native of the Hampton Roads area, Wanda is an active member of her community, dedicating her time and efforts to several philanthropic organizations including the March of Dimes, Special Olympics, Peninsula SPCA, Hampton Roads American Red Cross, Salvation Army and the Peninsula Food Bank.
Charter Member of the Exchange Club of Oyster Point
Instructor for Junior Achievement Programs
Served on the Finance Board of the United Way of the Peninsula
Sustainer Advisor to the Junior League of Hampton Roads
Served as a Board member, Development Chairman, Co-Chairman of the Capital Campaign and Chairman of the Board for the Hampton Roads American Red Cross
Served as a Board member of Riverside Behavioral Health Center
Currently serving on the Board of Riverside Regional Medical Center, since June 2015.
Currently serving on the Riverside Cancer Care Campaign, since July 2017
2018-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2005-2008 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2005-2008). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: SC, MI, WV, WA, UT, NV, MA, HI, VA, TN, OH, MS, MN, AR, ND, KY, CA, AL, PA, KS, VT, ME, LA, TX, PR, NY, AZ, SD, OK, MD, GA, DE, CO, RI, NJ, MT, DC, CT, WI, NH, NE, NC, ID, FL, WY, OR, NM; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265081
NMLS#: 1265081
About Christina M Austin
Professional Details
Series 7, 66, 9, 10 & 31 Licensed
Life, Accident, Health, Variable Annuity & Long Term Insurance Licensed
Experience in the Financial Services Industry since 1998
Portfolio Management Certification Morgan Stanley*
BS - Finance from Virginia Commonwealth University
The Junior League of Hampton Roads Member
American Red Cross of Hampton Roads Member
Series 7, 66, 9, 10 & 31 Licensed
Life, Accident, Health, Variable Annuity & Long Term Insurance Licensed
Experience in the Financial Services Industry since 1998
Portfolio Management Certification Morgan Stanley*
BS - Finance from Virginia Commonwealth University
The Junior League of Hampton Roads Member
American Red Cross of Hampton Roads Member
Securities Agent: DE, MN, UT, NH, ME, KS, TN, SC, NY, NV, KY, ID, CT, WY, VT, TX, PA, ND, GA, CO, CA, OH, MS, LA, AR, AL, WA, NM, NE, MI, WV, FL, AZ, RI, OR, MT, MD, MA, WI, SD, NC, HI, DC, VA, PR, OK, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265051
NMLS#: 1265051
About Kayla Garner
B.A. in Communications from Radford University
About Catherine Springer
Catherine is a Virginia native, born and raised in Lynchburg. She graduated from Sweet Briar College with a Bachelor of the Arts in Business and went on to earn a Masters of Business Administration from University of Lynchburg.
Catherine has been in the industry since 2018, beginning her career as a Branch Office Administrator with Edward Jones Investments in Crestview, Florida. She spent time as a licensed banker with Wells Fargo in Milwaukee, Wisconsin before joining Wells Fargo Advisors in Waukesha, Wisconsin as a Registered Client Associate. She joined the Austin-Decher Team in July of 2022 after her husband transitioned out of the military and enrolled at the Mason School of Business at William and Mary.
Catherine has an enthusiasm for financial planning and ensuring our clients have a reliable and realistic strategy to meet all of their life goals. She works directly with clients to understand their full financial picture and delivers comprehensive and tailored financial plans that reflects everyone’s unique wants and needs.
When she’s not at the office, Catherine is a Girl Scout Leader for her daughter’s brownie troop, is involved in the Peninsula Sweet Briar Alumnae Club, and enjoys attending her son’s baseball games.
Catherine has been in the industry since 2018, beginning her career as a Branch Office Administrator with Edward Jones Investments in Crestview, Florida. She spent time as a licensed banker with Wells Fargo in Milwaukee, Wisconsin before joining Wells Fargo Advisors in Waukesha, Wisconsin as a Registered Client Associate. She joined the Austin-Decher Team in July of 2022 after her husband transitioned out of the military and enrolled at the Mason School of Business at William and Mary.
Catherine has an enthusiasm for financial planning and ensuring our clients have a reliable and realistic strategy to meet all of their life goals. She works directly with clients to understand their full financial picture and delivers comprehensive and tailored financial plans that reflects everyone’s unique wants and needs.
When she’s not at the office, Catherine is a Girl Scout Leader for her daughter’s brownie troop, is involved in the Peninsula Sweet Briar Alumnae Club, and enjoys attending her son’s baseball games.
Contact Wanda Marie Austin
Contact Christina M Austin
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
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Austin-Decher Group today.
1Morgan 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.
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.
3Investors 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
6Investors 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.
7An 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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Municipal 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.
12When 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.
13When 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.
14Morgan 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.
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
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.
3Investors 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
6Investors 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.
7An 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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Municipal 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.
12When 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.
13When 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.
14Morgan 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.
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)
