Mark Bayliss
Senior Vice President, Financial Advisor
Phone:
(979) 731-0203(979) 731-0203
The Bayliss Group at Morgan Stanley
Direct:
(979) 731-0203(979) 731-0203
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Trust ServicesFootnote1
- Financial PlanningFootnote2
- Business Succession PlanningFootnote3
- Alternative InvestmentsFootnote4
- Structured ProductsFootnote5
- Estate Planning StrategiesFootnote6
- Philanthropic ManagementFootnote7
- Planning for Education FundingFootnote8
- Wealth ManagementFootnote9
- Cash Management and Lending ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Discovery
When dealing with Clients, our first step is to fully comprehend their lives. This covers the activities, people, goals, and organizations that are most significant to them. While conducting a detailed review of their assets and liabilities, we assist our customers in articulating, prioritizing, and quantifying their financial goals. Finally, we do a stress test on their portfolio to show how it might perform in the face of harsh conditions and market volatility. We also check their insurance policies for any coverage gaps.
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
IMPORTANT: The projections or other information provided in the Report regarding the likelihood of various investment outcomes (including any assumed ratesof return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations. Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Certain insurances are medically underwritten and you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
IMPORTANT: The projections or other information provided in the Report regarding the likelihood of various investment outcomes (including any assumed ratesof return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations. Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Certain insurances are medically underwritten and you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company
Strategy
We develop a financial plan once we've finished our study to help us pinpoint any areas that still need work. The probability of our clients achieving their goals will also be calculated as part of the plan. The measures required to raise this chance are then outlined using factors that clients may immediately influence, including savings rates, spending patterns, and investment allocation. We also take into account how taxes and inflation change over time. This process involves general budgeting, spending counsel, as well as more detailed investment-related guidance. The research conducted by Morgan Stanley's Global Investment Committee serves as the foundation for our investment strategy. As market conditions change over time, we routinely modify client portfolios.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Commitment to you
We think that regular, proactive communication is key to helping clients stay on top of their goals, adjust to life's changes, and better understand their changing situations. To help clients understand complicated choices and transitions, our team offers client education and counseling. Our guiding principles are built around our dedication to our clients, which is backed by our own personal integrity, professional skill, and kind nature. In the end, our mission is to serve as your go-to resource both now and for future generations.
Comprehensive Approach
Our approach to engagement begins with our unique discovery process, during which we take the time to listen and understand your needs, wants, desires, and risk preferences. Then, using the strength of our investment discipline and our access to cutting-edge products and technology, we create a goals-based plan to assist you in building wealth and preparing for changes in your life. Together with the attorneys, accountants, and estate planners who have earned our clients' trust, we collaborate to help you understand complicated challenges and offer insightful counsel to help you maintain and build your wealth with openness and objectivity.
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Digital Vault
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CashPlus
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The Bayliss Group Newsletter
NewsletterManaging Family & Generational Wealth
Managing significant family and generational wealth is complex and often raises different questions. See the resources below for more information about managing and preserving significant family wealth.
Family Governance and Wealth Education Fact Sheet
Our mission is to help clients maximize the value of their family capital through the transfer and preservation of the family's shared values, and the creation of an enduring family legacy
Learn More Here
Opening Pandora's Box: 10 Rules for Talking to Kids About Money
Discussing family wealth and financial matters with children can be daunting for families. Read the linked article from Glenn Kurlander, Head of Family Governance & Wealth Education at Morgan Stanley, for more information about navigating this delicate subject.
Learn More Here
Wealth Education Development Plan
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Learn More Here
Your Guide to Life and Money Playbook
Our goal is to help prepare the next generation of leaders, parents, philanthropists, innovators, trustees, executors, board members, and investors by empowering you with the knowledge and tools needed to achieve your goals.
Learn More Here
Estate Planning Strategies
Tax, Trust & Estate (TTE) strategy has a potential to be incredibly powerful if executed effectively. For a successful TTE plan, it is critical to create a TTE implementation in combination with a TTE strategy.
Learn More Here
Importance of a Holistic Approach to Your Wealth Video
Watch the below video from Morgan Stanley Family Office Resources to learn how Morgan Stanley FOR can help integrate family values, philanthropy, and legacy into your unique wealth plan.
Learn More HereGiving Back
Scotty's House
Scotty's House is a non-profit Child Advocacy Center (CAC) serving seven counties in the Brazos Valley: Brazos, Burleson, Grimes, Leon, Madison, Robertson, and Washington. The Scotty's House team collaborates with Child Protective Services (CPS) and law enforcement officials on every case, and our compassionate and collaborative approach is key to providing victims of child abuse and/or neglect with safety, healing, and justice.
Big Brothers Big Sisters of South Texas
This mentorship program, recognized for its impactful work, supports children facing adversity through enduring, professionally guided relationships that empower young individuals. Dedicated mentors foster resilience and personal growth, guiding youth to brighter futures.
Healthy World Healthy Children - Hard Hats for Little Heads
Hard Hats for Little Heads is an annual event that provides free helmets to Texas children to prevent head injuries and promote safe outdoor play. Since 1994, it has distributed over 375,000 helmets, supporting local health through community-hosted giveaways.
OnRamp
OnRamp works with advocates from local charitable, government, and religious organizations to identify people in need who are already taking significant steps towards self-sufficiency, but need a vehicle to continue that journey. OnRamp finds reliable vehicles through purchase or donations and gifts these vehicles to our clients so they can get back on the road.
The Association of Former Students
The Association of Former Students at Texas A&M University fosters a strong network of alumni dedicated to supporting current students and the university community. Through philanthropy, scholarships, and programs, the association enhances the Aggie experience and promotes lifelong connections among graduates. Their initiatives focus on giving back, ensuring future generations of Aggie benefit from a vibrant and engaged community.
Brazos Valley Prayer Fellowship
The Brazos Valley Prayer Fellowship unites a community through prayer, outreach, and spiritual support, fostering faith and personal growth. Its mission is to spread God’s love and inspire a movement of spiritual awakening across the Brazos Valley.
Pink Alliance
Pink Alliance is a nonprofit organization in the Brazos Valley that supports breast cancer patients and raises breast health awareness. Through resources, support groups, and events they provide vital assistance to patients and families navigating the recovery.
Location
166 Century Court
Suite 350
College Station, TX 77840
US
Direct:
(979) 731-0203(979) 731-0203
Meet The Bayliss Group
James Bayliss, CFP®, CEPA®
First Vice President, Financial Advisor
Phone:
(979) 731-0204(979) 731-0204
Kathy Vondergoltz
Senior Registered Associate
Phone:
(979) 731-0205(979) 731-0205
William C. Hughes
Client Service Associate
Phone:
(979) 731-0221(979) 731-0221
Kendall Egli
Client Service Associate
Phone:
(979) 731-0226(979) 731-0226
Carlee Jackson
Client Service Associate
Phone:
(979) 731-0203(979) 731-0203
About Mark Bayliss
Mark Bayliss is a Senior Vice President at the Bryan-College Station Morgan Stanley office. With over three decades of experience, Mark has formed his business working with a select number of families, professionals, closely held businesses, and Foundations to assist in the organization and management of their financial matters. He leverages investment resources and cash management and lending solutions to build a network of professional resources, research analysts and investment managers who can help him assist clients in the search for productive investments to build a balanced portfolio. Mark also believes that his attention to detail is evident in every transaction and interaction. His experience and knowledge allow him to address complex issues with clients and, as appropriate, to collaborate with their other professional advisors such as legal and tax professionals, to put together an in depth plan.
Mark's client relationships are based on three principles: integrity, dependability, and trust. He has endured market fluctuations and volatility alongside clients, and he leverages this experience to be their trusted guide as they work toward their financial goals.
Mark is a 1980 graduate of Texas A&M University with a Bachelor's of Business degree in Marketing with additional focus on Finance. His organization affiliations include Bryan Rotary, Leadership Brazos, Bryan-College Station Chamber of Commerce and Founder of the Brazos County Breakfast Club business networking organization. Mark and his wife, Diana, are active members of Grace Bible Church, College Station, Texas. In their spare time Mark and Diana enjoy attending Texas A&M sporting events, traveling, camping and boating with family and friends.
Morgan 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.
Mark's client relationships are based on three principles: integrity, dependability, and trust. He has endured market fluctuations and volatility alongside clients, and he leverages this experience to be their trusted guide as they work toward their financial goals.
Mark is a 1980 graduate of Texas A&M University with a Bachelor's of Business degree in Marketing with additional focus on Finance. His organization affiliations include Bryan Rotary, Leadership Brazos, Bryan-College Station Chamber of Commerce and Founder of the Brazos County Breakfast Club business networking organization. Mark and his wife, Diana, are active members of Grace Bible Church, College Station, Texas. In their spare time Mark and Diana enjoy attending Texas A&M sporting events, traveling, camping and boating with family and friends.
Morgan 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.
Securities Agent: AR, IA, TX, SC, TN, NY, CO, MO, CA, IN, KS, IL, FL, OK, NC, MD, UT, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 621237
NMLS#: 621237
About James Bayliss
James Bayliss, a CERTIFIED FINANCIAL PLANNER™, concentrates in investment strategies, alternative investments, tax planning, and philanthropic giving—crafting tailored solutions for entrepreneurs, business owners, and retirees through private markets, off-market deals, and 1031 exchanges. At The Bayliss Group at Morgan Stanley, he focuses on portfolio diagnostics, retirement planning, education funding, and investment research, delivering practical results to meet clients’ goals. For business owners, James guides exit planning with efficient divestiture tax strategies, buyouts, private equity exits, and investment bank exits, seamlessly blending wealth transitions with impactful philanthropy.
A Texas A&M graduate with a Bachelor of Science in Agricultural Economics and a Finance minor, James was active on the Wakeboard Team and led with Brazos County Young Life. Outside work, he enjoys golf, hunting, water sports, and lake time with family and friends. He co-founded the Aggieland Porsche Club and remains involved with Grace Creekside and Young Life Ministries. James and his wife, Karissa, married in 2014 and live in College Station with their two kids.
As a CFP® and CEPA® professional, he holds Series 7 and 66 FINRA registrations and insurance licenses, bringing deep expertise to every client partnership.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
A Texas A&M graduate with a Bachelor of Science in Agricultural Economics and a Finance minor, James was active on the Wakeboard Team and led with Brazos County Young Life. Outside work, he enjoys golf, hunting, water sports, and lake time with family and friends. He co-founded the Aggieland Porsche Club and remains involved with Grace Creekside and Young Life Ministries. James and his wife, Karissa, married in 2014 and live in College Station with their two kids.
As a CFP® and CEPA® professional, he holds Series 7 and 66 FINRA registrations and insurance licenses, bringing deep expertise to every client partnership.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Securities Agent: MO, MD, KS, TN, AZ, UT, FL, TX, IL, IA, CA, CO, OK, NY, NC, SC, IN, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1042180
NMLS#: 1042180
About Kathy Vondergoltz
Kathy Vondergoltz is a Senior Registered Associate for The Bayliss Group at Morgan Stanley. With over 14 years in the financial services industry, she manages the administrative and operational side of the business, serving as the team's first point of contact for clients. Success and great customer service is not possible without a top-notch client associate and Kathy is invaluable providing the "Ritz Carlton" service clients deserve and receive.
Prior to joining The Bayliss Group, Kathy worked for several years as Administrative Assistant to the president of a large metal building company with facilities located throughout the United States.
Kathy enjoys sporting events, reading, and spending time with her family.
Prior to joining The Bayliss Group, Kathy worked for several years as Administrative Assistant to the president of a large metal building company with facilities located throughout the United States.
Kathy enjoys sporting events, reading, and spending time with her family.
About William C. Hughes
William Hughes is a Registered Client Service Associate for The Bayliss Group at Morgan Stanley. He has five years of experience in the financial services industry, including 3 with The Bayliss Group. William strives to provide a pleasant and streamlined client experience. He performs various planning and analysis functions, including creating client financial plans, researching unique and complex client scenarios, analyzing client holdings and portfolios, and more.
William graduated from Hendrix College in Conway, Arkansas with a Bachelor in Business and Economics and was a member of the collegiate golf team.
William and his wife, Audrey, live in College Station with their daughters, Freya and Elsie, and enjoy leisure time with their friends and family. He also enjoys watching Aggie sports, working on cars, and playing a round of golf.
William graduated from Hendrix College in Conway, Arkansas with a Bachelor in Business and Economics and was a member of the collegiate golf team.
William and his wife, Audrey, live in College Station with their daughters, Freya and Elsie, and enjoy leisure time with their friends and family. He also enjoys watching Aggie sports, working on cars, and playing a round of golf.
About Carlee Jackson
Carlee Jackson is a Client Service Associate for The Bayliss Group at Morgan Stanley. With a solid foundation in Economics and Business, she takes pride in applying her education to her hands-on client service role, which she approaches with enthusiasm. Carlee’s attention to detail and commitment to excellence help the team deliver a seamless client experience. She plays a key role in managing the day-to-day operations, handling client inquiries, and supporting the financial planning process.
Carlee graduated from Texas A&M University with a Bachelor's degree in Economics and a Minor in Business. She also earned the Business Economics Certificate (BEC), a prestigious program that integrates economic principles with business strategy. This program enhanced her analytical skills in data analysis and economic forecasting, which she applies daily to support financial planning and assist in optimizing client portfolios.
Outside of work, Carlee enjoys running and spending quality time with her family and friends, who are deeply important to her. Her strength comes from her strong Christian faith, which provides her with the foundation to face every challenge with resilience. Carlee also finds joy in cheering on the Aggies, bringing the same enthusiasm and spirit to every game as she does to her personal and professional life.
Carlee graduated from Texas A&M University with a Bachelor's degree in Economics and a Minor in Business. She also earned the Business Economics Certificate (BEC), a prestigious program that integrates economic principles with business strategy. This program enhanced her analytical skills in data analysis and economic forecasting, which she applies daily to support financial planning and assist in optimizing client portfolios.
Outside of work, Carlee enjoys running and spending quality time with her family and friends, who are deeply important to her. Her strength comes from her strong Christian faith, which provides her with the foundation to face every challenge with resilience. Carlee also finds joy in cheering on the Aggies, bringing the same enthusiasm and spirit to every game as she does to her personal and professional life.
Contact Mark Bayliss
Contact James Bayliss
Wealth Management
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Portfolio Insights
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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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Bayliss 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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 legal matters.
4Alternative 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.
5Structured 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.
6Morgan 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.
7Products 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.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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 legal matters.
4Alternative 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.
5Structured 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.
6Morgan 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.
7Products 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.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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
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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:
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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.
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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
CRC 6491812 (04/2024)
