Our View

Wealth management and multi-generational financial planning are all about making wise choices. The financial choices we make have consequences, both intended and unintended, for years to come. Many of the families who come to us are seeking guidance with the wise stewardship of their family’s wealth; not just today, but across generations. As a team, we understand first hand there are no quick and easy strategies or solutions. The areas we can help you clarify include:

-Managing the investment portfolio and guiding you through market volatility within your comfort level

-Utilizing alternative investments and strategies when appropriate

-Sustainability of your desired current lifestyle while maintaining assets for the future generations

-Working with you to assemble a team of highly experienced professionals such as CPAs, estate attorneys, and trustees

-Addressing the uncomfortable questions such as equitable divisions of assets among the family and safeguarding the assets for less responsible family members

We believe in conversations, not presentations. We monitor all the moving parts of our clients wealth management to seeking to ensure they are working seamlessly together.  If you are looking for an advisor to help you manage your legacy for future generations, as well as enjoy life today, I encourage you to call us at 903-579-2237 for a conversation.  You will wonder why you ever settled for less!

The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

A Plan Tailored To Your Needs

A generation ago, financial planning was relatively straightforward – people focused on wealth accumulation and then shifted most or all assets into conservative instruments to provide retirement income and principal stability. But today’s world is more complex, and turning a lifetime of savings into a lifetime of sustainable income for people who are living longer, healthier, and more active lives means attending to a wide range of issues simultaneously.

Together, we answer questions that may seem daunting:

- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?

Some of the areas where we apply our advanced knowledge on your behalf include:
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    Investment Management
    You can rely on us to design holistic and strategic financial plans that match your family’s goals.
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    Retirement Planning
    We will help you develop and implement a strategy that encompasses your needs before, during and after you retire and is based on your personal vision of retirement.
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    Pre - and Post - Divorce Planning
    We will help you identify financial issues and consequences, as well as define your potential choices.
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    Managing Your Liquidity Needs
    We will keep an eye on your cash flow needs as your goals and finances evolve.
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    Trust, Estate & Legacy Planning
    We will help you implement your plan for passing on your assets in a way that honors your values as well as your financial commitments.

    Morgan 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.
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    Education Planning & Family Concerns
    We will make a plan for the education and well-being of your children or grandchildren, as well as your parents or other relatives who might need assistance now or in the future.
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    Life Insurance and Long Term Care
    We want to make sure your family is protected during difficult times.

    Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Are You Prepared?

Your retirement years should be the best years of your life.  Transitioning from what you do today to where you want to be tomorrow can be one of life’s greatest moments, providing you with opportunities for personal growth, discovery, and even the possibility of adventure.  The last thing we want you to worry about is money. 
    Understand Your 401(k)
    Many companies offer a 401(k) plan to help their employees save for retirement. This is a simple, convenient, and powerful retirement planning vehicle that can help you start investing early and automatically. If you’re not taking advantage of this, now is the time to start!
    The Key Benefits of a 401(k) Plan
    Retirement Mistakes to Avoid
    You’ve spent a lifetime planning for your retirement goals, contributing to your 401(k) and perhaps investing additional assets in an individual retirement account (IRA) and other accounts. Now, you’re finally on the verge of retiring. However, you may be surprised to find that retirement planning doesn’t stop once you retire. We will help you avoid common mistakes that could jeopardize your goals for retirement.
    5 Mistakes to Avoid
    Locating Your Retirement Savings
    Over the years, you may have accumulated a significant sum in retirement savings that is spread across various accounts. It can become difficult to keep track of your assets while trying to determine your distribution requirements. Our team will help you consolidate your accounts to make sure that your savings are invested proportionally for your retirement goals.
    Consolidate Your Retirement Accounts
    Planning for the Rising Costs of Healthcare
    Healthcare costs are rising, especially for retirees, and many will need Long Term Care. We will work together to take steps to minimize your financial exposure to unwanted medical costs so you can afford your desired lifestyle after your working years.

    Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
    The Rising Costs of Healthcare
    Retirement Plan Contribution Limit Increase
    The IRS has increased the annual contribution limits for retirement plans. The increased amounts mean you can now have tax deferred growth potential on larger contributions to your retirement plan. For more details on new maximum contributions to IRAs, 401(k) plans and Money Purchase/Profit sharing plans, click the link below.
    Retirement Plan Contribution Limit Increase

Modern Wealth Management Tools and Resources

Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
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    LifeView
    LifeView is a suite of planning tools that creates a realistic, integrated strategy meant to incorporate aspects of an individual’s financial life, including investments and cash management needs. It also provides progress-to-goals reporting which illustrate complex planning strategies.
    Access the LifeView Financial Goal Analysis Client Profile
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    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 useful resource that is available 24/7.
    Learn more about Morgan Stanley Online
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    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning, and convenient connectivity.
    Learn more about Total Wealth View
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    MS Reserved
    Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
    Learn more about MS Reserved
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    Goals-Based Planning
    Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
    Learn more about Goals-Based Planning
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    Portfolio Risk Platform
    Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
    Learn more about the Portfolio Risk Platform
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    Online Security Center
    Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
    Learn more about the Online Security Center
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    Digital Vault
    Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love in the event of a catastrophe or serious illness, disability, or death. Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. The Digital Vault allows you to construct a central, shared document library where all documents can be stored using encryption.
    Log into your Digital Vault

Resources and Research

Morgan Stanley seeks to make complex financial ideas more digestible so our clients understand what is being done on their behalf to plan for their financial future. Checkout the below content to see our latest market updates and reports from the top researchers at our firm.
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    2023 Federal Tax Tables
    This document outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.


    Disclosure:
    Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
    View 2023 Tax Tables
    Alternative Investments - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Alternative Investments
    Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
    Morgan Stanley Alternative Investments
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    Thoughts on the Markets Podcast
    With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Listen to the latest episode
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    Global Investment Committee Weekly Research Report
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
    Access this week's edition
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    Global Investment Committee “On the Markets” Report
    Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.

    Disclosure:
    The Global Investment Committee is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients. They continually monitor developing economic and market conditions, review tactical outlooks and recommend model portfolio weightings, as well as produce a suite of strategy, analysis, commentary, portfolio positioning suggestions and other reports and broadcasts.
    Read the most recent report
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    Online Security Center
    Safeguarding your assets and personal information remain a top priority at Morgan Stanley. Click the link to learn about our stringent security measures and how to help protect yourself online.
    Online Security Center

Location

909 E Southeast Loop 323
Ste 170
Tyler, TX 75701
US
Direct:
(903) 579-2247(903) 579-2247

Meet The Azalea Group

About TJ Mathis

As a Certified Financial Planner, TJ Mathis offers a deep understanding of comprehensive wealth management, helping clients navigate complex financial needs. His expertise spans investments, tax planning, retirement, estate strategies, and risk management. With the prestigious CFP designation, TJ is committed to a high standard of ethics and professionalism, ensuring his clients receive thoughtful, personalized advice.

TJ works closely with his team of registered professionals to develop holistic plans that help his clients achieve their multi-generational financial goals. Leveraging Morgan Stanley’s proprietary tools, TJ creates tailored long-term strategies, while also staying ahead of the curve by researching alternative investment opportunities like hedge funds and private equity.

A proud graduate of Leadership Tyler Class 27, TJ’s leadership skills extend beyond the office. He served as Commodore of the Tyler Yacht Club and enjoys spending his free time sailing with his wife, Stacy, and their three children – Connor, Luke and Corbin. Whether he’s on the water, the golf course, or in the kitchen, TJ brings passion and dedication to everything he does.
Securities Agent: LA, MD, ME, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, MA, AR, AK, AL, ID, IL, IN, KS, KY; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1364474

About Ashley Tackett

Since 2004, Ashley Tackett has been a dedicated professional in the financial services industry, joining Morgan Stanley in 2023. With two Bachelor of Business degrees from the University of North Texas in Financial Services and Real Estate, Ashley’s passion for financial markets began early, as she excelled in the Student Investments Group and earned Bloomberg Certification.

Her experience doesn’t stop at degrees. Holding Series 7 and 66 licenses, along with the CRPC designation, Ashley brings a wealth of knowledge to her clients. She believes in building lasting relationships, taking a client-first approach to understanding their goals, and offering tailored strategies to help them thrive financially.

Ashley’s love for teamwork extends beyond the office. She’s a proud member of the Emerald Bay Ladies Golf Association and the Past Commodore of the Lake Palestine Yacht Club. Outside of work, you’ll often find her on the golf course, enjoying the open waters, or at church connecting with her community.

About Ana K. Delgadillo

Ms. Delgadillo was raised in East Texas and graduated with a Bachelor of Science in Business from the University of Texas. Her passion for the stock market and helping clients understand their investments drives her career, and she is continually seeking opportunities to deepen her expertise.

Outside of work, she is an avid traveler and enjoys immersing in different cultures. Fitness, sports, and self-improvement are key aspects of her life, reflecting her commitment to personal growth. Her interests also extend to the arts, antiques, fashion, and culinary experiences, particularly when it comes to food and wine.
Wealth Management
From Our Team

A Simple Six-Step Retirement Checkup


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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Mosaic

Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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A Change of Greenery

Houseplants add oxygen, flair, and warmth year-round, and the right one in the right space can do just as much for a room as any painting or side table.
Ready to start a conversation? Contact The Azalea Group today.
Market Information Delayed 20 Minutes
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.

1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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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.

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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.

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4Municipal 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.

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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.

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6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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7Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.

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8Morgan 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.

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9Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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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)