Managing Director, Wealth Management, Financial Advisor, Financial Planning Specialist, Alternative Investments Director, Lending Specialist
Phone:
(847) 784-6450(847) 784-6450
The Bond Wise Group at Morgan Stanley
Direct:
(847) 446-1900(847) 446-1900
Toll-Free:
(800) 269-9505(800) 269-9505
Our Mission Statement
Based in Chicago, we work to help build and preserve the wealth of high-net-worth individuals and families.
Our Story and Services
With over 40 years of experience, The Bond Wise Group has helped individuals and families navigate their financial lives. Based in Chicago, The Bond Wise Group consists of Cherie Bond, Michael Wise, Jennifer Byrne, Kelly Yousif, and Christine Cruz. Financial Planners, Cherie Bond and Michael Wise serve high-net worth clients across America.
The Bond Wise Group focuses on holistic financial planning. Cherie Bond has earned national recognition for her personal financial planning expertise. Since 2017, Forbes magazine has recognized Cherie Bond as a Top Women Wealth Advisor. Cherie belongs to the Forbes Best In State Wealth Advisor, and the Forbes Top Women Wealth Advisor Best-In-State lists as well. Besides Forbes, Working Mother magazine included Cherie Bond to its Top Wealth Advisor Moms lists starting in 2018.
Committed to quality service, Morgan Stanley recognizes Cherie Bond on its Presidents Club list each year. The Bond Wise Group team puts its clients first. Cherie Bond and Michael Wise continue to earn financial services designations. Cherie Bond is a Certified Divorce Financial Analyst (CDFA®). Michael Wise earned his Chartered Institute of Management Accountants (CIMA®) certification.
The Bond Wise Group's mission is simple. They want to help clients reach their financial goals and enjoy their lives. Contact us on our website and schedule a meeting. Also, find us on social media, and learn about how we're involved in the community. At The Bond Wise Group, we service you and help you enjoy life.
The Bond Wise Group focuses on holistic financial planning. Cherie Bond has earned national recognition for her personal financial planning expertise. Since 2017, Forbes magazine has recognized Cherie Bond as a Top Women Wealth Advisor. Cherie belongs to the Forbes Best In State Wealth Advisor, and the Forbes Top Women Wealth Advisor Best-In-State lists as well. Besides Forbes, Working Mother magazine included Cherie Bond to its Top Wealth Advisor Moms lists starting in 2018.
Committed to quality service, Morgan Stanley recognizes Cherie Bond on its Presidents Club list each year. The Bond Wise Group team puts its clients first. Cherie Bond and Michael Wise continue to earn financial services designations. Cherie Bond is a Certified Divorce Financial Analyst (CDFA®). Michael Wise earned his Chartered Institute of Management Accountants (CIMA®) certification.
The Bond Wise Group's mission is simple. They want to help clients reach their financial goals and enjoy their lives. Contact us on our website and schedule a meeting. Also, find us on social media, and learn about how we're involved in the community. At The Bond Wise Group, we service you and help you enjoy life.
Services Include
- Planning for Education FundingFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Lending Products
- 401(k) Rollovers
- 529 PlansFootnote4
- Wealth ManagementFootnote5
- Alternative InvestmentsFootnote6
- Asset Management
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Structured ProductsFootnote11
- Wealth Consulting
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
National Recognition
- The Bond Wise Group: 2023-2025
- Cherie Bond: 2020-2025
- Michael Wise: 2025
- Cherie Bond: 2022-2025
- Michael Wise: 2024
- Cherie Bond: 2021
Forbes Best-In- State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2020-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Top Women Wealth Advisors Best-In-State
2022-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Top Next-Gen Wealth Advisors Best-in-State
2024 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC for the period 3/31/23 - 3/31/24.
Forbes America's Top Women Wealth Advisors
2021 Forbes America's Top Women Wealth Advisors Source: Forbes.com (Awarded Mar 2021)
Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
WORKING WITH YOU
As your life changes, not only does your financial strategy become more complex, but also your options for implementing it increase. At The Bond Wise Group, we use a goal-based process that measures success by how you’re progressing toward meeting the goals most important to you. This thoughtful approach enables us to design and implement solutions to help guide you in achieving and maintaining financial success.
Step 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. Next, we review your current future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
Step 2: Tailoring a Solution for Your Specific Goals
Here, we'll prepare a comprehensive wealth management plan that address your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Step 3: Implementing Your Plan
With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer your wealth, while remaining aligned with your personal goals and aspirations.
Step 4: Monitoring Results Against Your Goals
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in—moving ahead in your career, enjoying retirement, or somewhere in between—as your financial advisors, The Bond Wise Group can help you achieve your financial goals.
Using a suite of tools that include goal-specific analysis, The Bond Wise Group can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
The Bond Wise Group can create your personal roadmap to help you achieve and protect your goals—a framework that makes the connection between your life goals and your financial resources and provides a baseline for future discussions.
Using a suite of tools that include goal-specific analysis, The Bond Wise Group can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
The Bond Wise Group can create your personal roadmap to help you achieve and protect your goals—a framework that makes the connection between your life goals and your financial resources and provides a baseline for future discussions.
Financial Planning
We want to gather and analyze your goals, assets, liabilities, and other important information. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving, and living.
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Retirement Planning
This is paramount and ensuring a successful retirement. We bring an intense focus on this process. You have worked hard to get where you at. Now it is up to us helping you live the retirement you have always dreamed of.
401(k) Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can make sure that there is no risk overlap or concentration insecurities. We can make taking required minimum distributions easier. You also have the full suite of an open platform from which to choose investments from.
Trust & Estate Planning
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. Our team at The Bond Wise Group regularly reviews your finances with you and coordinates with your estate attorney to help make sure that we meet your wishes in the most efficient and cost-effective way possible.
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax-smart strategies for your financial plan. These strategies include: preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.
Modern Wealth Tools & Updates
We strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on insightful topics that are affecting the finance and business worlds, as well as tools to help you understand your plan.
Morgan Stanley Online (MSO)
MSO makes it easy to manage your investments and day-to-day finances in one place. Access account documents, pay bills, and transfer funds with just a few clicks.
Sign Up/Log In
Total Wealth View
See your complete financial picture by linking your accounts. Total Wealth View empowers smarter wealth planning with secure data access and seamless connectivity.
Click Here to Learn More
Digital Vault
Simplify how we work together with the Digital Vault—a secure, organized way to store, access, and share your most important documents.
Click Here to Learn More
Portfolio Risk Platform
Get a deeper understanding of portfolio risk with Morgan Stanley’s Portfolio Risk Platform, powered by BlackRock’s Aladdin Risk Engine. Gain insights into potential risk factors, even for assets held outside our firm.
Click Here to Learn More
Reserved Living & Giving
Reserved Living & Giving is our exclusive, complimentary loyalty program for eligible clients—offering personalized experiences, curated content, and special benefits from over 60 premium lifestyle brands.
Click Here to Explore Reserved
Total Tax 365
Taxes don’t have to weigh down your investments. Total Tax 365 delivers active, year-round tax strategies designed to help reduce tax drag and enhance portfolio performance.
Click Here to Learn More
Thoughts on the Market
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes.
Listen Here
Global Investment Committee on the Markets
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read: "GIC on the Markets"
2025 Maximum Benefit and Contribution Limits
401k: $23,500, up from $23,000 for employees under 50 years old, and catch-ups remain at $7,500 for employees over 50. New catch-up limit of $11,500 for employees aged 60-63.
IRA: Remains at $7,000. Catch-up for individuals over 50 remains the same at $1,000.
Click Here to ReviewIRA: Remains at $7,000. Catch-up for individuals over 50 remains the same at $1,000.
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Click Here to Learn MoreLocation
2700 Patriot Blvd
Suite 150
Glenview, IL 60026
US
Direct:
(847) 446-1900(847) 446-1900
Toll-Free:
(800) 269-9505(800) 269-9505
Meet The Bond Wise Group
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(847) 441-3689(847) 441-3689
Jennifer Byrne
Assistant Vice President, Wealth Management Associate
Phone:
(847) 784-6451(847) 784-6451
Christine Cruz
Client Service Associate
Phone:
(847) 441-3679(847) 441-3679
Kelly Yousif
Registered Client Service Associate
Phone:
(847) 441-3684(847) 441-3684
About Cherie A Bond
Cherie Bond is an Managing Director with the Bond Wise Group at Morgan Stanley Wealth Management. With over twenty-seven years of experience in the industry, including nineteen years with the firm, she manages over $700 million in assets as of May 2021. She is a member of the prestigious President’s Club, comprised of some of the top Financial Advisors in the firm.
Since 2017, Cherie has been named annually to the Forbes’ List of America’s Top Women Advisors, which is dedicated to the top 200 female financial advisors in the country. The list is based on advisors that are leading the way in offering best practices and providing a high-quality experience for clients.
Since 2018, Cherie has also been named annually to the Working Mother’s list of Top Wealth Adviser Moms. This listing recognizes a select group of individuals who, while pursuing careers as successful Financial Advisors, also juggle the responsibilities of having one or more children living at home.
Since 2018, Cherie has been named to Forbes’ first inaugural Best-In-State Wealth Advisors List. This list highlights advisors across the country who were nominated by their firms—and then researched, interviewed and assigned a ranking by Forbes within their respective states.
Cherie’s main focus is to build and protect the wealth of high net-worth individuals and families. She provides asset management advice and comprehensive counseling regarding wealth preservation, wealth transfer strategies, risk management, financial independence, and retirement planning.
Cherie is a graduate of Miami University and holds a B.S. in Business with a Finance major. She also serves as the President of the Westmoreland Employee Scholarship Foundation. Cherie currently lives in Winnetka, IL.
Named as one of Forbes Best-In-State Wealth Management Teams in 2023-2024
Source: Forbes (Awarded Jan 2023, Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/23.
Named as one of Forbes "Top 250 Women Wealth Advisors" in 2021
2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Named as one of Forbes "Best-In-State Wealth Advisors” in 2018, 2020, 2021, 2022, 2023, & 2024
2018, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2018, April 2020, April 2021, April 2022, April 2023, April 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Named as one of Forbes Top Women Wealth Advisors Best-In-State in 2022, 2023 & 2024
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022, Feb 2023, & Feb 2024) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/23.
Working Mothers Top Wealth Advisor Moms in 2019-2021
2019-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Since 2017, Cherie has been named annually to the Forbes’ List of America’s Top Women Advisors, which is dedicated to the top 200 female financial advisors in the country. The list is based on advisors that are leading the way in offering best practices and providing a high-quality experience for clients.
Since 2018, Cherie has also been named annually to the Working Mother’s list of Top Wealth Adviser Moms. This listing recognizes a select group of individuals who, while pursuing careers as successful Financial Advisors, also juggle the responsibilities of having one or more children living at home.
Since 2018, Cherie has been named to Forbes’ first inaugural Best-In-State Wealth Advisors List. This list highlights advisors across the country who were nominated by their firms—and then researched, interviewed and assigned a ranking by Forbes within their respective states.
Cherie’s main focus is to build and protect the wealth of high net-worth individuals and families. She provides asset management advice and comprehensive counseling regarding wealth preservation, wealth transfer strategies, risk management, financial independence, and retirement planning.
Cherie is a graduate of Miami University and holds a B.S. in Business with a Finance major. She also serves as the President of the Westmoreland Employee Scholarship Foundation. Cherie currently lives in Winnetka, IL.
Named as one of Forbes Best-In-State Wealth Management Teams in 2023-2024
Source: Forbes (Awarded Jan 2023, Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/23.
Named as one of Forbes "Top 250 Women Wealth Advisors" in 2021
2021 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Named as one of Forbes "Best-In-State Wealth Advisors” in 2018, 2020, 2021, 2022, 2023, & 2024
2018, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2018, April 2020, April 2021, April 2022, April 2023, April 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Named as one of Forbes Top Women Wealth Advisors Best-In-State in 2022, 2023 & 2024
2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022, Feb 2023, & Feb 2024) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/23.
Working Mothers Top Wealth Advisor Moms in 2019-2021
2019-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Securities Agent: LA, PA, NV, HI, MI, SD, NM, CT, MA, WA, SC, NY, OH, NC, VA, NJ, IN, GA, WI, MD, TN, OR, KY, UT, DC, IL, ID, CO, FL, KS, AR, TX, MN, MO, IA, AZ, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285056
NMLS#: 1285056
About Michael Wise
Michael Wise is a senior vice president with The Bond Wise Group at Morgan Stanley. He has been with the firm since 2013. He is a member of the Pacesetter's Club, a recognition program from Morgan Stanley for financial advisors who, within their first five years, demonstrate the highest professional standards and first-class client service.
Michael is a Certified Investment Management Analyst (CIMA®). The CIMA® certification is the highest level of advanced investment education for client-facing advisors.
Michael is also a financial planning specialist. The Financial Planning Specialist designation identifies those Morgan Stanley Financial Advisors who have met the experience and ethical requirements, have successfully completed financial planning coursework, and have passed the Financial Planning Specialist examination designed to provide Financial Advisors with the expertise necessary to address the wide range of financial issues confronting high-net-worth individuals, as well as individuals who are aggressively seeking to increase their wealth.
Michael is a native of Glenview, IL. He graduated from the University of Colorado at Boulder and holds a B.S. in business with a major in finance. He currently lives in Glenview with his wife, Sarah.
Michael is a Certified Investment Management Analyst (CIMA®). The CIMA® certification is the highest level of advanced investment education for client-facing advisors.
Michael is also a financial planning specialist. The Financial Planning Specialist designation identifies those Morgan Stanley Financial Advisors who have met the experience and ethical requirements, have successfully completed financial planning coursework, and have passed the Financial Planning Specialist examination designed to provide Financial Advisors with the expertise necessary to address the wide range of financial issues confronting high-net-worth individuals, as well as individuals who are aggressively seeking to increase their wealth.
Michael is a native of Glenview, IL. He graduated from the University of Colorado at Boulder and holds a B.S. in business with a major in finance. He currently lives in Glenview with his wife, Sarah.
Securities Agent: SD, PA, OR, OH, NY, NV, NM, NC, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DC, CT, CO, CA, AZ, AR, NJ, SC, WI, WA, VA, UT, TX, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1290611
CA Insurance License #: 4021377
NMLS#: 1290611
CA Insurance License #: 4021377
About Jennifer Byrne
B. A. Elementary Education
University of Illinois-Chicago
Series 7 License-General Securities Representative
Series 66 License-Investment Advisor Representative
Series 63 License-Uniform State Exam
Series 8 License-General Securities Sales Supervisor
Morgan Stanley* 10 years of Dedicated Service Award, 2010
University of Illinois-Chicago
Series 7 License-General Securities Representative
Series 66 License-Investment Advisor Representative
Series 63 License-Uniform State Exam
Series 8 License-General Securities Sales Supervisor
Morgan Stanley* 10 years of Dedicated Service Award, 2010
Contact Cherie A Bond
Contact Michael Wise
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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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Ready to start a conversation? Contact The Bond Wise Group today.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Alternative 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.
7Morgan 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.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Alternative 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.
7Morgan 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.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Awards Disclosures
CRC 6491812 (04/2024)
