John Barnes
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(203) 499-4947(203) 499-4947
The Barnes-Reid-Walz Group at Morgan Stanley
Direct:
(203) 499-4946(203) 499-4946
Toll-Free:
(800) 248-4499(800) 248-4499
Our Mission Statement
Our team is committed to providing the clarity, guidance, and purpose you need to make confident decisions, helping you create a lasting impact for your family.
WELCOME
At The Barnes-Reid-Walz Group, we go beyond simply managing your investments. We are dedicated to building enduring partnerships that empower your entire family. You've worked hard to create a brighter future for your loved ones, and you deserve a financial strategy and a team that supports you every step of the way.
We serve clients who prioritize their families and the future they envision. Our primary focus is to understand your unique aspirations and values. We then work diligently to ensure your wealth is protected, your ambitions are fully realized, and a lasting legacy is established for generations to come.
Our approach is collaborative and results-oriented. We prioritize open and honest conversations, embracing multi-generational planning to address the evolving needs of your family. We provide personalized guidance at every stage of life, navigating complexities, developing tailored strategies, and consistently monitoring progress. This allows you to focus on what truly matters most to you.
Our team is committed to providing the clarity, guidance, and purpose you need to make confident decisions, knowing that you are creating a lasting impact for your family.
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Portfolio Risk PlatformWorking Together
We believe financial planning is a “living” process that must be diligently reviewed and cultivated. Our goals-based approach enables us to work together to design and implement appropriate solutions to empower you to achieve – and maintain – financial wellness. Ultimately, goals-based investing empowers you to be more confident in your investment decisions now and in the future.
1. Understanding You
We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve.
2. Analyzing Your Needs
Next, we’ll collect key information about your current finances, including assets, liabilities and a discussion of any company-provided benefits you receive. We’ll then review your current and future financial situation, identify the likelihood of reaching your goals and help address any potential shortfalls or the impact of unexpected life events.
3. Tailoring Your Solution
In this step, we’ll present a customized wealth management plan with specific strategies designed to help achieve your particular goals. Upon your approval, we’ll set into motion a course of action that strives to align your values and vision with your personal definition of financial success.
4. Implementing Your Plan
Once we activate your plan, we’ll set up a number of implementation meetings to ensure your account is set up properly and you have convenient access to your account information.
Charitable Contributions and Deductions
Among the many changes made, the tax law increased the standard deduction and significantly limited the deduction for state and local income and property taxes. These changes are likely to have a significant impact on charitable giving and the ability to deduct charitable gifts.
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Read MoreLocation
741 Boston Post Rd
Madison, CT 06443
US
Direct:
(203) 499-4946(203) 499-4946
Toll-Free:
(800) 248-4499(800) 248-4499
Meet The Barnes-Reid-Walz Group
Ethan O Reid, CFP®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Workplace Advisor – Equity Compensation, Financial Wellness, Retirement, Alternative Investments Director, Senior Portfolio Manager
Phone:
(203) 499-4949(203) 499-4949
Phone:
(203) 499-4948(203) 499-4948
Charles Frederick Walz
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(203) 499-4939(203) 499-4939
Phone:
(203) 786-2129(203) 786-2129
Maura P. Ryan
Portfolio Associate
Phone:
(203) 499-4946(203) 499-4946
Deborah Swarr
Portfolio Associate
Phone:
(860) 447-4855(860) 447-4855
Josephine Ferriola
Registered Client Service Associate
Phone:
(203) 499-4926(203) 499-4926
About John Barnes
A seasoned professional for more than 35 years, Jack enjoys working with financially successful individuals and families, providing highly personalized advice through a disciplined investment management approach. His extensive industry knowledge and skills enable him to help clients understand the intricate details of their personal wealth.
For his experience and dedication, Jack was ranked among the top advisors on the 2024 Forbes list of “Best in State Wealth Advisors” for Connecticut.
Jack grew up in a household focused on finance. After graduating from Hobart College, he worked in the institutional bond industry in Manhattan, including a five-year stint as a Corporate Bond Research Analyst. It was during this experience, that Jack earned his M.B.A. from The Stern School of Business at New York University. In 1998, Jack joined Morgan Stanley for the opportunity to share his institutional knowledge with individuals and families and build more personal relationships with clients.
Throughout his career, Jack has developed advanced skills in portfolio management, asset allocation and fixed income investments. His passion has always been to help his clients fulfill their financial goals. He takes pride in helping them oversee and manage their finances, so they may enjoy the wealth they have worked so hard to create.
Originally from Chicago, Jack and his wife, Eleanor, currently live in West Hartford. They have two grown children, Marshall and Cricket. Jack’s favorite leisure activities include spending time with family, being outdoors and playing squash and golf.
Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
For his experience and dedication, Jack was ranked among the top advisors on the 2024 Forbes list of “Best in State Wealth Advisors” for Connecticut.
Jack grew up in a household focused on finance. After graduating from Hobart College, he worked in the institutional bond industry in Manhattan, including a five-year stint as a Corporate Bond Research Analyst. It was during this experience, that Jack earned his M.B.A. from The Stern School of Business at New York University. In 1998, Jack joined Morgan Stanley for the opportunity to share his institutional knowledge with individuals and families and build more personal relationships with clients.
Throughout his career, Jack has developed advanced skills in portfolio management, asset allocation and fixed income investments. His passion has always been to help his clients fulfill their financial goals. He takes pride in helping them oversee and manage their finances, so they may enjoy the wealth they have worked so hard to create.
Originally from Chicago, Jack and his wife, Eleanor, currently live in West Hartford. They have two grown children, Marshall and Cricket. Jack’s favorite leisure activities include spending time with family, being outdoors and playing squash and golf.
Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
Securities Agent: VT, NH, KY, AR, UT, MN, ME, ID, CA, NY, DC, WY, WA, MT, DE, RI, NJ, NE, NC, IL, HI, WI, VA, TN, SC, ND, MI, AZ, NM, MA, IN, GA, CT, PA, OH, MD, CO, TX, FL, OR, NV, LA, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1332002
NMLS#: 1332002
About Ethan O Reid
A results-driven Financial Advisor, Ethan combines his deep knowledge of wealth management with solid leadership skills and a disciplined, consultative and educational approach to help guide affluent families and business leaders towards the achievement of their specific financial goals. His areas of concentration include comprehensive financial planning, customized investment solutions and integrating retirement assets and executive benefits into a client’s overall investment strategy.
In 2008, Ethan earned the distinguished CERTIFIED FINANCIAL PLANNERTM (CFP®) designation, demonstrating his commitment to helping clients address the complicated issues facing today’s wealthy families. He takes pride in his ability to put advanced financial planning concepts into action and works diligently to demystify the investment process by deeply understanding his clients and articulating the key activities needed to help achieve their specific objectives. Most importantly, Ethan focuses on creating trusting relationships with his clients to help them simplify their lives, so they may pursue their passions and enjoy the wealth they have created.
Ethan began his career in 2000 with A.G. Edwards and moved to Morgan Stanley in 2006. Born and raised in Hartford, Ethan graduated from the University of Connecticut and now lives in Glastonbury with his wife and three young children. He currently serves on the board of High School Inc., a four-year college prep school for Hartford Public School students who are interested in pursuing careers in the insurance and financial services industries.
Ethan was a former board member of the Hartford Insurance and Finance Academy and is past President of InterCommunity Inc. When he’s not working directly with clients or actively volunteering, Ethan enjoys spending quality time with friends and family. Favorite activities include coaching and cheering for his 3 children’s sports teams.
In 2008, Ethan earned the distinguished CERTIFIED FINANCIAL PLANNERTM (CFP®) designation, demonstrating his commitment to helping clients address the complicated issues facing today’s wealthy families. He takes pride in his ability to put advanced financial planning concepts into action and works diligently to demystify the investment process by deeply understanding his clients and articulating the key activities needed to help achieve their specific objectives. Most importantly, Ethan focuses on creating trusting relationships with his clients to help them simplify their lives, so they may pursue their passions and enjoy the wealth they have created.
Ethan began his career in 2000 with A.G. Edwards and moved to Morgan Stanley in 2006. Born and raised in Hartford, Ethan graduated from the University of Connecticut and now lives in Glastonbury with his wife and three young children. He currently serves on the board of High School Inc., a four-year college prep school for Hartford Public School students who are interested in pursuing careers in the insurance and financial services industries.
Ethan was a former board member of the Hartford Insurance and Finance Academy and is past President of InterCommunity Inc. When he’s not working directly with clients or actively volunteering, Ethan enjoys spending quality time with friends and family. Favorite activities include coaching and cheering for his 3 children’s sports teams.
Securities Agent: NV, KS, CO, MN, WY, WI, NM, ME, KY, FL, CT, AK, UT, OR, MA, IN, NY, MT, MD, DE, CA, SC, PA, ND, MI, GA, VT, NJ, NC, LA, HI, AR, TX, RI, IL, TN, NH, ID, AZ, WA, VA, OH, NE, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 178999
NMLS#: 178999
About Eleanor Barnes
Eleanor is a Vice President, Financial Advisor and Certified Financial Planner™ at The Barnes-Reid-Walz Group at Morgan Stanley. She enjoys educating clients on how to create and implement an effective financial plan and helping them make more informed and confident decisions about their wealth. For Eleanor, professional success is measured in terms of client well-being and goal achievement.
Upon graduating from Washington & Lee University, Eleanor began her career at CNN Business News in New York City. Five years later, she was a proud recipient of the Knight-Bagehot Fellowship, studying Economics and Business Journalism at Columbia University, and earning her M.B.A. a year later. In 1996, Eleanor joined Money Magazine’s New Media department, working in product development. After taking a few years off to raise her children, Eleanor re-entered the workforce in 2007 with a focus on fundraising for nonprofits, including The Ethel Walker School and the Bushnell Center for the Performing Arts.
She joined her husband, Jack Barnes, at The Barnes-Reid Group in 2014 for the opportunity to share her knowledge with clients and continue to help enhance the client experience. In 2020, Eleanor earned her Certified Financial Planner™ (CFP®) designation, the recognized standard of excellence for personal financial planning from the CFP® Board of Standards.
As a CFP® and Financial Advisor, Eleanor enjoys deeply listening to her clients, so she may truly understand their values, wishes and goals for the future, and get to the heart of what matters most to them now and in the future. This information then serves as the foundation for the development and implementation of a custom financial plan that can be adapted to respond to changes over time.
Eleanor’s passion for working with her clients is equaled only by her dedication to her family and community. She is on the Board of Directors of the Hartford Golf Club and on the Board of Directors of Seabury, an affiliate of the Episcopal Diocese of Connecticut. She is also an active member of St. John’s Episcopal Church, serving on the Stewardship Committee. Eleanor and Jack have two adult children, Marshall and Cricket. In her leisure time, she enjoys running, hiking, yoga and golf.
Upon graduating from Washington & Lee University, Eleanor began her career at CNN Business News in New York City. Five years later, she was a proud recipient of the Knight-Bagehot Fellowship, studying Economics and Business Journalism at Columbia University, and earning her M.B.A. a year later. In 1996, Eleanor joined Money Magazine’s New Media department, working in product development. After taking a few years off to raise her children, Eleanor re-entered the workforce in 2007 with a focus on fundraising for nonprofits, including The Ethel Walker School and the Bushnell Center for the Performing Arts.
She joined her husband, Jack Barnes, at The Barnes-Reid Group in 2014 for the opportunity to share her knowledge with clients and continue to help enhance the client experience. In 2020, Eleanor earned her Certified Financial Planner™ (CFP®) designation, the recognized standard of excellence for personal financial planning from the CFP® Board of Standards.
As a CFP® and Financial Advisor, Eleanor enjoys deeply listening to her clients, so she may truly understand their values, wishes and goals for the future, and get to the heart of what matters most to them now and in the future. This information then serves as the foundation for the development and implementation of a custom financial plan that can be adapted to respond to changes over time.
Eleanor’s passion for working with her clients is equaled only by her dedication to her family and community. She is on the Board of Directors of the Hartford Golf Club and on the Board of Directors of Seabury, an affiliate of the Episcopal Diocese of Connecticut. She is also an active member of St. John’s Episcopal Church, serving on the Stewardship Committee. Eleanor and Jack have two adult children, Marshall and Cricket. In her leisure time, she enjoys running, hiking, yoga and golf.
Securities Agent: NM, MT, MD, IN, IL, CT, FL, LA, KY, WI, UT, MN, ME, MA, AK, WA, OR, NY, VA, TN, NJ, MI, GA, VT, NH, NC, DE, DC, CO, AR, PA, AZ, NV, ND, ID, HI, CA, WY, TX, SC, NE, RI, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1380683
NMLS#: 1380683
About Charles Frederick Walz
Charles F. Walz, IV (Chip) has been an investment banking and financial professional since 2002 advising clients on strategic alternatives, mergers, acquisitions, corporate finance decisions, financing and capital raising while working at Merrill Lynch.
Awarded FIVE STAR Wealth Manager as published in the Connecticut Magazine
2015 – 2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2015 – 2017) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Chip joined Morgan Stanley in early 2013 and Series 7 Licensed since 2002.
Chip earned an MBA degree with Honors from Kellogg Graduate School of Management, Northwestern University in 2002.
Prior to a career in finance, Chip spent seven years as a commissioned officer in the U.S. Navy serving on three different destroyers after graduating from the U.S. Naval Academy with Honors in 1993 (Awarded Frederick L. Sawyer Prize in Economics). Served six deployments, including five to the Persian Gulf region. Recalled to active service for nine months following September 11, 2001. Active runner, sailor and triathlete, completed numerous marathons and half Ironmans. Chip is married to Erin McAvoy and they have three sons, Quin, Nate and Alex.
Awarded FIVE STAR Wealth Manager as published in the Connecticut Magazine
2015 – 2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2015 – 2017) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Chip joined Morgan Stanley in early 2013 and Series 7 Licensed since 2002.
Chip earned an MBA degree with Honors from Kellogg Graduate School of Management, Northwestern University in 2002.
Prior to a career in finance, Chip spent seven years as a commissioned officer in the U.S. Navy serving on three different destroyers after graduating from the U.S. Naval Academy with Honors in 1993 (Awarded Frederick L. Sawyer Prize in Economics). Served six deployments, including five to the Persian Gulf region. Recalled to active service for nine months following September 11, 2001. Active runner, sailor and triathlete, completed numerous marathons and half Ironmans. Chip is married to Erin McAvoy and they have three sons, Quin, Nate and Alex.
Securities Agent: RI, NC, TX, OH, MI, MD, IN, HI, AK, VT, MN, DE, DC, AR, TN, OK, ME, MA, ID, UT, PA, NM, NE, MT, KY, CA, CT, WA, OR, NJ, LA, AZ, SC, IL, GA, FL, WI, VA, NH, ND, CO, IA, WY, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1372302
NMLS#: 1372302
About Maria Laviola
Maria helps empower clients to make sound financial decisions for themselves and their families. She gives attention to understanding deeply her client’s interests, passions, and legacy objectives. Maria accomplishes this by developing customized wealth management plans that include goal-specific analysis for retirement planning, education assistance, and asset preservation strategies. Leveraging her experience, clients are able to model complex topics in their financial plans such as stock options, estate planning strategies, and insurance needs. Her Investment Management Consulting process also includes Environmental and Social Governance and sustainable investments.
Every individual has a unique set of circumstances and resources. Maria manages client wealth with the highest integrity and respect. Morgan Stanley has superior intelligence about every major asset class and utilizes investment research from some of the world’s most respected analysts. Maria uses these resources to help her clients achieve their most important goals in an effort to empower clients to pursue their passions.
Maria holds degrees in Business Management (BS) and Teaching (MAT), she is a member of the Rotary Club of Orange and has volunteered at New Haven Reads, IRIS and The Connecticut Food Bank. Maria resides in Orange, CT with her husband and two children.
Disclaimers
The 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.
Every individual has a unique set of circumstances and resources. Maria manages client wealth with the highest integrity and respect. Morgan Stanley has superior intelligence about every major asset class and utilizes investment research from some of the world’s most respected analysts. Maria uses these resources to help her clients achieve their most important goals in an effort to empower clients to pursue their passions.
Maria holds degrees in Business Management (BS) and Teaching (MAT), she is a member of the Rotary Club of Orange and has volunteered at New Haven Reads, IRIS and The Connecticut Food Bank. Maria resides in Orange, CT with her husband and two children.
Disclaimers
The 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.
Securities Agent: MA, CA, TN, ND, RI, ID, AZ, VT, NV, NM, NJ, DC, VA, OK, KY, IL, CO, AK, UT, PR, OH, NH, MD, WV, OR, IN, HI, FL, AR, TX, NY, MN, LA, DE, WY, SC, PA, NE, NC, CT, MT, MI, WI, WA, ME, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1369294
NMLS#: 1369294
About Maura P. Ryan
Serving high net worth clients since 1992, Maura is a Portfolio Associate at The Barnes-Reid-Walz Group. Often the first line of contact on a broad array of client-specific services, Maura is committed to providing each client with caring and personalized attention. Her exceptional interpersonal skills make her the go to professional to help solve problems and ensure clients enjoy a positive experience with every interaction.
Through ongoing outreach and communication, Maura leads a number of important aspects of the Groups business management and client servicing activities, helping gain a deeper understanding of each clients set of priorities. And as a Portfolio Associate with her Series 7, 9, 10, 31, 63 and 65 securities licenses, she is able to execute trades on behalf of the Financial Advisors on the team.
Over the course of her career, Maura has had the opportunity to work in a variety of client service roles. She began her career at Morgan Stanley as a Sales Assistant, and spent several years in the Operations area as an Assistant Operations Manager and as Control Administrator for the branch. She joined The Barnes-Reid-Walz Group for the opportunity to work more directly with clients again.
Through ongoing outreach and communication, Maura leads a number of important aspects of the Groups business management and client servicing activities, helping gain a deeper understanding of each clients set of priorities. And as a Portfolio Associate with her Series 7, 9, 10, 31, 63 and 65 securities licenses, she is able to execute trades on behalf of the Financial Advisors on the team.
Over the course of her career, Maura has had the opportunity to work in a variety of client service roles. She began her career at Morgan Stanley as a Sales Assistant, and spent several years in the Operations area as an Assistant Operations Manager and as Control Administrator for the branch. She joined The Barnes-Reid-Walz Group for the opportunity to work more directly with clients again.
About Deborah Swarr
Serving high net worth clients since 1992, Deb is a Portfolio Associate for the Barnes-Reid-Walz Team. Often the first line of contact on a broad array of client-specific services, Deb is committed to providing each client with caring and personalized attention. Her exceptional interpersonal skills make her the go to professional to help solve problems and ensure clients enjoy a positive experience with every interaction.
Through ongoing outreach and communication, Deb leads a number of important aspects of the teams business management and client servicing activities, helping gain a deeper understanding of each clients set of priorities. As a Portfolio Associate with her Series 7, 63 and 65 securities licenses, she is able to execute trades on behalf of the Financial Advisors on the team.
Over the course of her career, Deb has had the opportunity to work in a variety of client service roles. She began her career at Paine Webber as a cashier.
Originally a native of Saskatchewan, Canada, Deb currently resides in Oakdale, CT with her two dogs, Paisley and Diego and enjoys spending time around the pool with her children and grandchildren.
Through ongoing outreach and communication, Deb leads a number of important aspects of the teams business management and client servicing activities, helping gain a deeper understanding of each clients set of priorities. As a Portfolio Associate with her Series 7, 63 and 65 securities licenses, she is able to execute trades on behalf of the Financial Advisors on the team.
Over the course of her career, Deb has had the opportunity to work in a variety of client service roles. She began her career at Paine Webber as a cashier.
Originally a native of Saskatchewan, Canada, Deb currently resides in Oakdale, CT with her two dogs, Paisley and Diego and enjoys spending time around the pool with her children and grandchildren.
About Josephine Ferriola
Josephine (Jo) Ferriola is the newest member to the Barnes-Reid-Walz Group. Often the first line of contact on a broad array of client-specific services, Jo is committed to providing each client with caring and personalized attention. Her exceptional interpersonal skills make her the go to professional to help solve problems and ensure clients enjoy a positive experience with every interaction.
Contact John Barnes
Contact Ethan O Reid
Contact Eleanor Barnes
Contact Charles Frederick Walz
Contact Maria Laviola
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Barnes-Reid-Walz Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Investors 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.
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1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Investors 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.
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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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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.
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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 | Morgan Stanley
CRC 4665150 (8/2025)
