Jim Cooper
Senior Vice President, Financial Advisor
Phone:
(423) 230-2381(423) 230-2381
The Bays Mountain Group at Morgan Stanley
Direct:
(423) 230-2380(423) 230-2380
Toll-Free:
(866) 332-1823(866) 332-1823
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
The Bays Mountain Group
The Bays Mountain Group, founded in 1996, is a diverse team of professionals with over 196 years of combined industry experience. 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
Recently named by Forbes as one of the 2025 Best-in-State Wealth Management Teams, The Bays Mountain Group focuses on understanding your financial goals to create an actively monitored Goals-Based Plan to follow your path to success. We focus on financial planning, investment solutions, tax efficiency, estate planning strategies and borrowing needs. Our services to you are backed by Morgan Stanley’s research and analytics, and our clients in 33 states have entrusted us with over $1.8 Billion (as of 12/10/2024) of their assets of which we provide advice and services.
Our ultimate objective is to help you navigate the complexities and responsibilities that accompany financial success, so that you may focus on the people, interests and activities that enrich your life.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Recently named by Forbes as one of the 2025 Best-in-State Wealth Management Teams, The Bays Mountain Group focuses on understanding your financial goals to create an actively monitored Goals-Based Plan to follow your path to success. We focus on financial planning, investment solutions, tax efficiency, estate planning strategies and borrowing needs. Our services to you are backed by Morgan Stanley’s research and analytics, and our clients in 33 states have entrusted us with over $1.8 Billion (as of 12/10/2024) of their assets of which we provide advice and services.
Our ultimate objective is to help you navigate the complexities and responsibilities that accompany financial success, so that you may focus on the people, interests and activities that enrich your life.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Services Include
- 529 PlansFootnote1
- Alternative InvestmentsFootnote2
- Cash Management and Lending ProductsFootnote3
- Certificates of DepositFootnote4
- Corporate Retirement PlansFootnote5
- Estate Planning StrategiesFootnote6
- Exchange Traded FundsFootnote7
- Financial PlanningFootnote8
- Fixed IncomeFootnote9
- Life InsuranceFootnote10
- Long-term Care InsuranceFootnote11
- Municipal BondsFootnote12
- Professional Portfolio ManagementFootnote13
- Qualified Retirement PlansFootnote14
- Retirement PlanningFootnote15
- Trust AccountsFootnote16
- Wealth ManagementFootnote17
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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8 Sheridan Square
Ste 300
Kingsport, TN 37660
US
Direct:
(423) 230-2380(423) 230-2380
Toll-Free:
(866) 332-1823(866) 332-1823
Meet The Bays Mountain Group
Jeff Blake
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(423) 230-2388(423) 230-2388
Christine Cooper, CFP®
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(423) 230-2393(423) 230-2393
Rachel Irwin, CFP®
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(423) 230-2384(423) 230-2384
Renee Garber
Portfolio Associate
Stacey Jones
Vice President, Wealth Management Associate
About Jim Cooper
Jim Cooper was born and raised in northeast Tennessee and has worked in financial services for over 45 years. He co-founded the Waller/Cooper/Merritt team in 1996 at J.C. Bradford & Co. and continued to develop the team through the mergers with PaineWebber and UBS prior to joining Morgan Stanley in 2009.
Jim attended Vanderbilt University and received his B.S. in Business Administration from the University of North Carolina - Chapel Hill. He played on the varsity golf team at both universities. Immediately after college, Jim was a commercial loan officer in NE Tennessee and SW Virginia for three years before joining J.C. Bradford & Co. in 1978 as a Investment Advisor Representative before being named Partner in 1995.
Jim remains an avid golfer in his free time. He is a member and past president of the Kingsport Sunrise Rotary Club where he holds perfect attendance for 37 years. Jim has served on the Tennessee Conservation Commission and is past Chairman of the Tennessee Nature Conservancy. Jim attends First Broad Street United Methodist Church, where he has served in various leadership roles. Jim is a native of Church Hill, TN and has lived his entire adult life in Kingsport and Piney Flats. Jim and his wife of 48 years, Sydney, have four children.
Jim attended Vanderbilt University and received his B.S. in Business Administration from the University of North Carolina - Chapel Hill. He played on the varsity golf team at both universities. Immediately after college, Jim was a commercial loan officer in NE Tennessee and SW Virginia for three years before joining J.C. Bradford & Co. in 1978 as a Investment Advisor Representative before being named Partner in 1995.
Jim remains an avid golfer in his free time. He is a member and past president of the Kingsport Sunrise Rotary Club where he holds perfect attendance for 37 years. Jim has served on the Tennessee Conservation Commission and is past Chairman of the Tennessee Nature Conservancy. Jim attends First Broad Street United Methodist Church, where he has served in various leadership roles. Jim is a native of Church Hill, TN and has lived his entire adult life in Kingsport and Piney Flats. Jim and his wife of 48 years, Sydney, have four children.
Securities Agent: NY, AR, MT, LA, DC, SD, OK, IN, GA, AL, OH, NV, NJ, IL, MI, MD, CT, SC, MA, CO, TN, FL, WY, VA, NE, OR, NM, NC, CA, PA, KY, AZ, WA, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1270242
NMLS#: 1270242
About Jeff Blake
Jeff Blake is First Vice President with The Bays Mountain Group at Morgan Stanley. He believes that nothing happens by accident; instead, it takes hard work, planning, and consistency to succeed in business and in life, regardless of how one chooses to define “success”. With Jeff’s insight, Jeff utilizes his investment planning experience and his strategic planning skills to help individuals, family business owners, and employees of Eastman Chemical prepare for life’s transitions, challenges and opportunities.
Mr. Blake’s career began in 1994 with J.C. Bradford & Co., where he worked for 6 years. He later joined IJL/Wachovia, a predecessor firm of Wells Fargo Advisors in Johnson City, TN where he remained for 15 years before joining Morgan Stanley in Kingsport.
Community and civic minded, Jeff is committed to a variety of organizations located in Tri-Cities, TN. He volunteers at the Second Harvest Food Bank and worships at Eastern Heights Presbyterian Church in Bristol, TN. Jeff also serves as a member of the ETSU Foundation and continues to support ETSU by attending various sporting events. Mr. Blake is passionate about traveling and playing golf and attends many charity golf events in both Tri-Cities and nearby golf meccas.
Mr. Blake’s career began in 1994 with J.C. Bradford & Co., where he worked for 6 years. He later joined IJL/Wachovia, a predecessor firm of Wells Fargo Advisors in Johnson City, TN where he remained for 15 years before joining Morgan Stanley in Kingsport.
Community and civic minded, Jeff is committed to a variety of organizations located in Tri-Cities, TN. He volunteers at the Second Harvest Food Bank and worships at Eastern Heights Presbyterian Church in Bristol, TN. Jeff also serves as a member of the ETSU Foundation and continues to support ETSU by attending various sporting events. Mr. Blake is passionate about traveling and playing golf and attends many charity golf events in both Tri-Cities and nearby golf meccas.
Securities Agent: OR, AL, NJ, DC, TN, MI, VA, NY, WY, WA, NM, KY, OK, NE, CT, TX, SC, LA, GA, FL, CO, AZ, NC, IN, AR, SD, PA, MD, OH, MT, MA, IL, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1428664
NMLS#: 1428664
About Christine Cooper
Christine joined The Bays Mountain Group at Morgan Stanley as a Financial Advisor in 2015. Happy to be back in her hometown, Christine brings a distinctive and innovative approach to the team. She began her financial services career in New York City in 2008 in the alternative investments industry working first at Guggenheim Advisors and later Eton Park Capital Management. During Christine’s career in the alternative investment industry she supported multiple C-Level Executives and worked in various departments including accounting, operations, risk management, marketing and research.
Ms. Cooper graduated from the University of Tennessee with a B.S. in Business Administration - Finance with collateral studies in accounting. She also holds an associate degree in fashion merchandising management from the Fashion Institute of Technology in New York.
Christine currently resides in Johnson City and enjoys traveling, boating, golf and cycling classes. While excited about additional opportunities to get further involved with the Tri-Cities community, she is already a member of the Tri-Cities Boating Club and an active volunteer for St. Jude – Children’s Research Hospital.
Ms. Cooper graduated from the University of Tennessee with a B.S. in Business Administration - Finance with collateral studies in accounting. She also holds an associate degree in fashion merchandising management from the Fashion Institute of Technology in New York.
Christine currently resides in Johnson City and enjoys traveling, boating, golf and cycling classes. While excited about additional opportunities to get further involved with the Tri-Cities community, she is already a member of the Tri-Cities Boating Club and an active volunteer for St. Jude – Children’s Research Hospital.
Securities Agent: WY, CO, VA, TX, PA, IN, OR, NM, NE, GA, AZ, SD, MT, MD, KY, FL, DC, CA, MI, OH, MA, LA, AL, IL, SC, AR, NY, NJ, WA, TN, OK, NC, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1472969
NMLS#: 1472969
About Rachel Irwin, CFP®
As a financial advisor of The Bays Mountain Group, a 7-person team managing over $1.5 billion (as of 3/16/2023) for high net worth clients, families and businesses,1 Rachel is excited about working with each and every one of the team’s clients. Having decades of experience, Rachel has defined her core values and her approach to money management. She places a high value on integrity, transparency and long-term relationships, and her strategic approach to wealth management is focused jointly on helping build and preserve wealth.
Rachel has enjoyed roles with increasing levels of financial responsibility throughout her career. Starting out in management with a Fortune 500 company in 2000, Rachel was responsible for managing large corporate budgets and she had excellent mentors that developed her financial skills. After promotions had relocated Rachel across the country, she felt the need to move back to Tennessee for family reasons and transitioned into serving clients as a Partner of a CPA firm. In this role, Rachel learned the ins and outs of taxation, helped her clients achieve better business performance, and helped individuals with investment-related tax planning. After helping build out a succession plan for the CPA firm, she stepped into the role of Chief Financial Officer for a private company, where she had the opportunity to optimize financial investments, manage taxation and improve cash flow. She also gained extensive experience working with retirement plans including 401k and Cash Balance Plans. Knowing she wanted to bring her prior tax knowledge, (not practicing with Morgan Stanley), together with her financial planning, investment analysis and retirement experience to serve clients in need of long-term wealth management, Rachel was thrilled to join the The Bays Mountain Group of Morgan Stanley in 2019, so that she could spend the rest of her career helping clients experience greater financial freedom and achieve their financial goals.
As a CERTIFIED FINANCIAL PLANNER™ and CPA (inactive), she enjoys walking her clients through the Financial Planning process to build a roadmap for their financial future. She maintains an unwavering commitment to continuously monitoring and updating team recommendations regarding investments, income smoothing and cash flow for her clients.
Rachel enjoys supporting local charities and community organizations related to helping improve financial and physical wellness, mentoring at-risk youth and promoting opportunities for women and under-served populations. She is the Board Chair for Appalachian Opportunity Fund which is a non-profit that helps individuals gain financial freedom through individual coaching. Rachel enjoys engaging in the local church in Johnson City, has served as Treasurer for a local Cancer Foundation and has served as a Board Member of the YMCA. Rachel’s hobbies include exercising, hiking, kayaking, camping and staying involved in her children’s endeavors.
Licenses & Education
• Bachelor of Science, University of Tennessee at Chattanooga, TN
• Certified Public Accountant (inactive)
• CERTIFIED FINANCIAL PLANNER™
• Series 7 & 66 Registered
• Life & Health Insurance Licensed - CO, GA, KY, MD, MI, NC, NE, SC, SD, TN, VA
Rachel has enjoyed roles with increasing levels of financial responsibility throughout her career. Starting out in management with a Fortune 500 company in 2000, Rachel was responsible for managing large corporate budgets and she had excellent mentors that developed her financial skills. After promotions had relocated Rachel across the country, she felt the need to move back to Tennessee for family reasons and transitioned into serving clients as a Partner of a CPA firm. In this role, Rachel learned the ins and outs of taxation, helped her clients achieve better business performance, and helped individuals with investment-related tax planning. After helping build out a succession plan for the CPA firm, she stepped into the role of Chief Financial Officer for a private company, where she had the opportunity to optimize financial investments, manage taxation and improve cash flow. She also gained extensive experience working with retirement plans including 401k and Cash Balance Plans. Knowing she wanted to bring her prior tax knowledge, (not practicing with Morgan Stanley), together with her financial planning, investment analysis and retirement experience to serve clients in need of long-term wealth management, Rachel was thrilled to join the The Bays Mountain Group of Morgan Stanley in 2019, so that she could spend the rest of her career helping clients experience greater financial freedom and achieve their financial goals.
As a CERTIFIED FINANCIAL PLANNER™ and CPA (inactive), she enjoys walking her clients through the Financial Planning process to build a roadmap for their financial future. She maintains an unwavering commitment to continuously monitoring and updating team recommendations regarding investments, income smoothing and cash flow for her clients.
Rachel enjoys supporting local charities and community organizations related to helping improve financial and physical wellness, mentoring at-risk youth and promoting opportunities for women and under-served populations. She is the Board Chair for Appalachian Opportunity Fund which is a non-profit that helps individuals gain financial freedom through individual coaching. Rachel enjoys engaging in the local church in Johnson City, has served as Treasurer for a local Cancer Foundation and has served as a Board Member of the YMCA. Rachel’s hobbies include exercising, hiking, kayaking, camping and staying involved in her children’s endeavors.
Licenses & Education
• Bachelor of Science, University of Tennessee at Chattanooga, TN
• Certified Public Accountant (inactive)
• CERTIFIED FINANCIAL PLANNER™
• Series 7 & 66 Registered
• Life & Health Insurance Licensed - CO, GA, KY, MD, MI, NC, NE, SC, SD, TN, VA
Securities Agent: PA, KY, IL, FL, WA, OR, OK, LA, CT, AR, VA, NE, NC, GA, CA, AZ, WY, NJ, MT, MI, TN, CO, SC, MA, AL, SD, KS, DC, TX, OH, NY, NM, MD, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1894344
NMLS#: 1894344
Contact Jim Cooper
Contact Jeff Blake
Contact Christine Cooper
Contact Rachel Irwin, CFP®
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Financial Planning for Life After Selling a Business
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1Investors 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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
4Investors 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.
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 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.
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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal 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.
13Morgan 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.
14When 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.
15When 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.
16Morgan 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.
17Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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.
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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.
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Awards Disclosures
1Investors 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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
4Investors 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.
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 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.
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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal 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.
13Morgan 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.
14When 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.
15When 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.
16Morgan 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.
17Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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)
