Scott B Austin, CFP®, CRPS®, RICP®
Senior Vice President, Financial Advisor, Alternative Investments Director, Corporate Retirement Director, Financial Wellness Director
Phone:
(858) 643-5028(858) 643-5028
The Austin Group at Morgan Stanley
Direct:
(858) 643-5036(858) 643-5036
Toll-Free:
(800) 397-8387(800) 397-8387
Our Mission Statement
Helping families achieve their goals with clarity and confidence
Our Story
As a multi-generational wealth management team, we are dedicated to serving our clients through all of life's stages. Our mission is to have a positive, lasting impact on the lives of the families we serve. We are committed to providing perspective, experience and quality in our financial planning, investment advice and service.
We prioritize a trusting and personal relationship with our clients, getting to know their needs and concerns, both financial and emotional, their family and loved ones, and their aspirations for today, for tomorrow, and for their legacy.
Although all of our personal backgrounds are unique, we formed The Austin Group because our experiences led us to share the same wealth management philosophy - starting with a comprehensive, personalized financial plan, managing wealth through diversification and risk-managed asset allocation, and ongoing wealth education for our clients and their loved ones.
We prioritize a trusting and personal relationship with our clients, getting to know their needs and concerns, both financial and emotional, their family and loved ones, and their aspirations for today, for tomorrow, and for their legacy.
Although all of our personal backgrounds are unique, we formed The Austin Group because our experiences led us to share the same wealth management philosophy - starting with a comprehensive, personalized financial plan, managing wealth through diversification and risk-managed asset allocation, and ongoing wealth education for our clients and their loved ones.
Services Include
- Asset Management
- Cash ManagementFootnote1
- Corporate Retirement PlansFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Life InsuranceFootnote5
- Philanthropic ManagementFootnote6
- Retirement PlanningFootnote7
- Sustainable InvestingFootnote8
- Trust ServicesFootnote9
- Planning for Education FundingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Our clients are busy, successful professionals, executives, business owners, and families. Active in their communities, they are typically involved in their churches, children’s or grandchildren’s activities, and various volunteer and professional organizations. Travel and recreational pursuits are also important to them.
Their primary goal is financial independence, with a predictable income stream to support their desired lifestyle, and the security of knowing they will be able to cover the cost of aging and be well-prepared for unexpected life events. With a strong work ethic of their own, they want to make sure their kids will live productive lives as financially responsible adults.
Common concerns include:
- How can I maximize company benefits, minimize taxes, and basically not leave anything on the table?
- Do my investments line up with what I am trying to accomplish?
- What if I live too long, die too soon or fall apart along the way? Will my family be okay?
- How will I know when I have enough?
- Am I taking too much risk or not enough?
- How can I make sure my family will be prepared to handle their future wealth?
- How do I pass along my values as well as my valuables?
- Have I missed anything?
Our clients appreciate our genuine concern for them and their family, and our commitment to understanding their goals and making sure they have a clearly defined plan to get there. Their confidence is enhanced by our conservative approach to investing, our consistent communication, and the many educational opportunities we provide.
New clients come to us for many reasons. Many are getting close to retirement and want to make sure everything is in place to provide their income and security for the years ahead. Others have experienced a major life event, such as the loss of a loved one, divorce or change in their employment. Some are concerned about their investments – they don’t understand what they have or whether the strategy or risk factors are appropriate for their situation. Or they realize that they aren’t getting what they need from their current advisor.
Their primary goal is financial independence, with a predictable income stream to support their desired lifestyle, and the security of knowing they will be able to cover the cost of aging and be well-prepared for unexpected life events. With a strong work ethic of their own, they want to make sure their kids will live productive lives as financially responsible adults.
Common concerns include:
- How can I maximize company benefits, minimize taxes, and basically not leave anything on the table?
- Do my investments line up with what I am trying to accomplish?
- What if I live too long, die too soon or fall apart along the way? Will my family be okay?
- How will I know when I have enough?
- Am I taking too much risk or not enough?
- How can I make sure my family will be prepared to handle their future wealth?
- How do I pass along my values as well as my valuables?
- Have I missed anything?
Our clients appreciate our genuine concern for them and their family, and our commitment to understanding their goals and making sure they have a clearly defined plan to get there. Their confidence is enhanced by our conservative approach to investing, our consistent communication, and the many educational opportunities we provide.
New clients come to us for many reasons. Many are getting close to retirement and want to make sure everything is in place to provide their income and security for the years ahead. Others have experienced a major life event, such as the loss of a loved one, divorce or change in their employment. Some are concerned about their investments – they don’t understand what they have or whether the strategy or risk factors are appropriate for their situation. Or they realize that they aren’t getting what they need from their current advisor.
Our Investment Approach
Our team believes that successful investing begins with a financial plan developed after a wide-ranging discussion of our clients' financial history and goals. It is important to us to fully understand your needs, wants, time horizon, and risk comfort level. Only then can we make appropriate recommendations for your investment portfolio.
Each of our clients' investment strategies are specifically designed and customized to meet the personal goals we have established and align with their risk tolerance. We use the asset allocation models developed by Morgan Stanley's Global Investment Committee as a guide, but ultimately the mix of equities, fixed income, alternative investments, and cash is tailored to each client's unique needs.
We know that the financial markets can be an emotional roller coaster from time to time. Committed to our clients' long-term success, we help manage emotional reactions through revisiting the financial plan and ensuring their investment strategy is still in line with their goals and comfort level.
Investing in stocks is an important aspect of growing wealth and outpacing inflation over the long term. Equities, both public and private, domestic and international, can be used to grow capital as well as provide tax-advantaged income.
Fixed income securities can provide income and wealth preservation. Our experience in changing interest rate environments and our diversification strategies enable us to manage the credit and interest rate risk.
When appropriate, alternative investments provide an opportunity to enhance returns and help reduce risk by offering lower correlations to traditional investments like stocks and bonds.
Careful monitoring and periodic rebalancing are important aspects of managing our clients' investments toward their individual goals. We make adjustments as needed due to changes in our clients' lives and economic conditions.
Each of our clients' investment strategies are specifically designed and customized to meet the personal goals we have established and align with their risk tolerance. We use the asset allocation models developed by Morgan Stanley's Global Investment Committee as a guide, but ultimately the mix of equities, fixed income, alternative investments, and cash is tailored to each client's unique needs.
We know that the financial markets can be an emotional roller coaster from time to time. Committed to our clients' long-term success, we help manage emotional reactions through revisiting the financial plan and ensuring their investment strategy is still in line with their goals and comfort level.
Investing in stocks is an important aspect of growing wealth and outpacing inflation over the long term. Equities, both public and private, domestic and international, can be used to grow capital as well as provide tax-advantaged income.
Fixed income securities can provide income and wealth preservation. Our experience in changing interest rate environments and our diversification strategies enable us to manage the credit and interest rate risk.
When appropriate, alternative investments provide an opportunity to enhance returns and help reduce risk by offering lower correlations to traditional investments like stocks and bonds.
Careful monitoring and periodic rebalancing are important aspects of managing our clients' investments toward their individual goals. We make adjustments as needed due to changes in our clients' lives and economic conditions.
The 4D Process
Our four-step 4D process enables us to provide clients with a detailed assessment of their current situation as well as a comprehensive, prioritized plan designed to fulfill their purpose and achieve their goals. We provide initial and ongoing guidance so clients are able to see if they continue to be on track to reaching their goals.
Fit Conversation
During our initial conversation, we attempt to determine whether our philosophy and services are a fit for your situation and if we should embark on the 4D process together.
Discover
Our discovery meeting consists of a personal conversation about your goals, needs, and wants, and data-gathering about your current situation. Our success depends on how well we have understood your wants and needs. Your investment portfolio will reflect your time horizon, cash flow needs and tolerance for risk.
Design
We review the outcome of our financial analysis and design customized solutions and recommendations for you. A thorough discussion includes a review of potential rewards, risks and anticipated expenses as well as specific action steps. Upon your approval, we provide the necessary documents to open new accounts, transfer assets and implement the agreed-upon investment strategy.
Deploy
As we deploy your strategy, we keep you informed of the account set-up and transfer process, review your statements, and ensure the proposed strategies and action steps are understood. We also establish the frequency of your strategy meetings.
Direct
We use regularly scheduled strategy meetings to update your financial plan with any changes in your family, economic, legal and tax, and market conditions to keep directing you toward your goals. We address questions or concerns you may have and make any necessary changes to your plan and portfolio.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Location
4350 La Jolla Village Dr
Ste 1000
San Diego, CA 92122
US
Direct:
(858) 643-5036(858) 643-5036
Toll-Free:
(800) 397-8387(800) 397-8387
Meet The Austin Group
J Scott Miller, CAP®
First Vice President, Financial Advisor, Alternative Investments Director
Phone:
(858) 643-5031(858) 643-5031
Samantha Hurst, CDFA®
Associate Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(858) 643-5036(858) 643-5036
About Scott B Austin
Scott B. Austin, CFP®, RICP®, Vice President
Portfolio Manager
Financial Advisor
Committed to sound financial planning as the foundation for financial decision-making, Scott Austin’s calm and optimistic approach helps clients put things in perspective, giving them confidence and clarity about their financial future.
Born and raised in suburban St. Louis, Scott moved to Los Angeles with his mother at the age of 12. His intellectual curiosity for finance was sparked by observing his own family’s financial struggles. He set out to learn how people achieve and retain wealth, and ultimately found his career.
A San Diegan since 1989, Scott completed his B.S. in Quantitative Economics and Decision Sciences at the University of California, San Diego. He continued his studies by earning his CERTIFIED FINANCIAL PLANNER™ certification, followed by an MBA with a concentration in Finance from San Diego State University.
Over the years, Scott has worked at a major life insurance company, bank, and brokerage firm. He is well-versed in understanding all aspects of his clients’ financial planning needs and how to help them select the best solutions.
Scott and his daughters Brielle and Audrina live in north county San Diego. They enjoy playing golf, tennis, and monthly camping trips through the Ecke YMCA Adventure Guides.
Scott is also a supporter of the San Diego chapter of the Alzheimer’s Association in honor of his grandfather who was diagnosed with the disease in 2007 and passed away in 2016.
Portfolio Manager
Financial Advisor
Committed to sound financial planning as the foundation for financial decision-making, Scott Austin’s calm and optimistic approach helps clients put things in perspective, giving them confidence and clarity about their financial future.
Born and raised in suburban St. Louis, Scott moved to Los Angeles with his mother at the age of 12. His intellectual curiosity for finance was sparked by observing his own family’s financial struggles. He set out to learn how people achieve and retain wealth, and ultimately found his career.
A San Diegan since 1989, Scott completed his B.S. in Quantitative Economics and Decision Sciences at the University of California, San Diego. He continued his studies by earning his CERTIFIED FINANCIAL PLANNER™ certification, followed by an MBA with a concentration in Finance from San Diego State University.
Over the years, Scott has worked at a major life insurance company, bank, and brokerage firm. He is well-versed in understanding all aspects of his clients’ financial planning needs and how to help them select the best solutions.
Scott and his daughters Brielle and Audrina live in north county San Diego. They enjoy playing golf, tennis, and monthly camping trips through the Ecke YMCA Adventure Guides.
Scott is also a supporter of the San Diego chapter of the Alzheimer’s Association in honor of his grandfather who was diagnosed with the disease in 2007 and passed away in 2016.
Securities Agent: MT, ID, FL, AZ, DE, MS, MO, CO, TX, OR, MI, WA, VI, MN, IA, HI, CA, NC, KY, VA, UT, PA, OH, NY, MA, GA, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268269
CA Insurance License #: 0B17902
NMLS#: 1268269
CA Insurance License #: 0B17902
About J Scott Miller
J. Scott Miller, CAP®
Financial Advisor
A strong believer in the importance of human connection, Scott Miller is committed to developing strong personal relationships with our clients. He strives to earn their trust.
After graduating from Elon College with a degree in Economics in 2001, Scott moved to Charlotte, where he was hired by Banc of America Investment Services to place trades for self-directed investors. This experience convinced him that families were in desperate need of sound financial advice.
In 2004, Scott moved to San Diego to build his investment advisory practice. There he was introduced to Scott Austin who shared his philosophy of the importance of sound financial planning and its role in investment decision-making. To better serve clients with their individual philanthropic goals, he earned his Chartered Advisor in Philanthropy® designation from The American College in 2011.
Scott lives in San Diego with his wife and two children. He enjoys golf, skiing and a variety of outdoor activities with his family in “America’s Finest City!”
Financial Advisor
A strong believer in the importance of human connection, Scott Miller is committed to developing strong personal relationships with our clients. He strives to earn their trust.
After graduating from Elon College with a degree in Economics in 2001, Scott moved to Charlotte, where he was hired by Banc of America Investment Services to place trades for self-directed investors. This experience convinced him that families were in desperate need of sound financial advice.
In 2004, Scott moved to San Diego to build his investment advisory practice. There he was introduced to Scott Austin who shared his philosophy of the importance of sound financial planning and its role in investment decision-making. To better serve clients with their individual philanthropic goals, he earned his Chartered Advisor in Philanthropy® designation from The American College in 2011.
Scott lives in San Diego with his wife and two children. He enjoys golf, skiing and a variety of outdoor activities with his family in “America’s Finest City!”
Securities Agent: MI, MT, WA, TX, DE, UT, OR, NV, MS, GA, AZ, MN, ID, VA, NY, KY, IA, OH, HI, CA, PA, MO, NJ, MA, CO, NC, VI, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261841
CA Insurance License #: 0E43800
NMLS#: 1261841
CA Insurance License #: 0E43800
About Samantha Hurst
Samantha Hurst
Financial Advisor
Sam Hurst decided to pursue a career as a Financial Advisor after witnessing her own family’s financial struggles as a repercussion of divorce. She learned the responsibilities of being financially independent at a young age and utilizes her personal experiences to inspire others to do the same. She encourages our clients to have a plan and a vision that sets the stage for a successful future because she knows that small steps today can have a big impact tomorrow.
Starting as an intern while completing her Economics degree and Business minor at the University of California, San Diego, Sam has been a member of our team here at Morgan Stanley since 2014. During her first few years after graduating, she focused on financial planning as our Wealth Advisor Associate, with the goal of ensuring that every family has a sound financial plan to help them navigate all of life’s stages.
Sam enjoys relaxing with her family in Orange County or at the beach in San Diego. She volunteers for causes that provide aid for veterans and is involved with UCSD alumni groups.
Financial Advisor
Sam Hurst decided to pursue a career as a Financial Advisor after witnessing her own family’s financial struggles as a repercussion of divorce. She learned the responsibilities of being financially independent at a young age and utilizes her personal experiences to inspire others to do the same. She encourages our clients to have a plan and a vision that sets the stage for a successful future because she knows that small steps today can have a big impact tomorrow.
Starting as an intern while completing her Economics degree and Business minor at the University of California, San Diego, Sam has been a member of our team here at Morgan Stanley since 2014. During her first few years after graduating, she focused on financial planning as our Wealth Advisor Associate, with the goal of ensuring that every family has a sound financial plan to help them navigate all of life’s stages.
Sam enjoys relaxing with her family in Orange County or at the beach in San Diego. She volunteers for causes that provide aid for veterans and is involved with UCSD alumni groups.
Securities Agent: NV, ID, KY, FL, AZ, VA, OR, MO, CO, SC, CA, HI, WI, UT, TX, RI, MS, MI, MA, PA, OH, NY, NH, GA, MT, MN, DE, VI, IA, WA, NE, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1819603
CA Insurance License #: 0M75395
NMLS#: 1819603
CA Insurance License #: 0M75395
Contact Scott B Austin
Contact J Scott Miller
Contact Samantha Hurst
Wealth Management
From Our Team
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Portfolio Insights
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
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
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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 Austin 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 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
2When 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.
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Products 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.
7When 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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
2When 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.
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Products 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.
7When 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
