Phone:
(901) 766-6129(901) 766-6129
The Bridgmon Hinson Ross Group at Morgan Stanley
Direct:
(901) 766-8665(901) 766-8665
Our Mission Statement
We work with our clients to provide comprehensive and individualized solutions delivered with the highest possible level of trust and knowledge for each chapter of their lives.
Charting A Course To Your Financial Future
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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Five-Step Process
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to help achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides dedicated value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Digital Resources
Our goal is simple: “To be the firm where the most talented, trusted advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
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Goals Planning System
A holistic Goals Planning System approach can tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Once goals are assessed, various investment proposals are considered to help clients get on track in accordance to their risk tolerance. The new tools will link to the latest asset allocation models, research, and ideas and facilitate us in providing advice where it's needed.
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Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning, and convenient connectivity.
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Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
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MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
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Cash PLus
CashPlus is an incentive program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. If certain eligibility requirements are met, clients can benefit from a myriad of advantages brought to them by CashPlus.
Learn moreTHE CFP® PROFESSIONAL- The Hinson Ross Group
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals. Jack Ross and Gary Hinson's diverse skillsets can help navigate the complicated financial factors in their life. See below for more information about the CFP designation and how they can help:
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning strategies, investment management and insurance.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Ethics
The CFP® professional is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board’s Code of Ethics. The Rules of Conduct require the CFP® professional to put the client’s interest first at all times.
Valuable Tools And Reources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
Addressing Cybercrime
In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Take advantage of these helpful hints on how to tell if you've been hacked.
Learn how to detect hacking
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
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Retirement Planning
It’s important to determine how much money you may need to save for a comfortable retirement. Here are a few resources that can help you optimize your 401(k) plan.
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Artificial Intelligence and Robotics
Technology seems to be getting smarter by the minute, and artificial intelligence is on the verge of becoming a more common presence in our everyday lives. Learn about how robots and other forms of AI are taking the world by storm with their new and innovative technology.
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Wealth Management Home Page
The Morgan Stanley difference is emphasized when it comes to the plethora of resources that we provide our clients. Click on the link below to learn more about our firm, our values, and our services.
Learn moreLocation
6410 Poplar Avenue
Ste 600
Memphis, TN 38119
US
Direct:
(901) 766-8665(901) 766-8665
Meet The Bridgmon Hinson Ross Group
Gary M Hinson, CFP®
Financial Advisor, Vice President, Wealth Management
Phone:
(901) 766-8612(901) 766-8612
Jack G Ross, CFP®
First Vice President, Financial Advisor, First Vice President, Wealth Management
Phone:
(901) 766-8611(901) 766-8611
About Becky Bridgmon
As a founding partner of The Bridgmon Hinson Ross Group at Morgan Stanley, Becky brings over 24 years of experience to their practice and clients. Working with affluent individuals and families, Becky helps them build and preserve their wealth by creating custom tailored solutions and developing comprehensive financial plans to address their needs. In 2008, Becky earned the prestigious Certified Financial Planner™ designation to increase her experience and help build a process centered around planning that includes investment management, retirement planning, income generation, tax management, philanthropy and estate planning strategies. Becky is very passionate about helping their clients achieve their financial goals. It is her mission to provide their clients with the knowledge and resources they need to understand their current financial situation and how they can work together to achieve their goals.
Becky has been recognized multiple times for her efforts as a Financial Advisor at Morgan Stanley. Working Mother Magazine recognized her as a Top Wealth Advisor Mom in 2018, 2019, and 2020 in addition she has also been recognized by Forbes as a Best-in-State Wealth Advisor in 2018, 2022 and 2023. She earned her Bachelor of Arts Degree from Doane College and Certificate in Financial Planning from Christian Brothers University.
Becky resides in Memphis with her husband, Alan, son Jake, and their two dogs Jack and Copper. When Becky is not serving her clients, she can be found gardening, exploring National Parks, and spending time with her family at their farm near Milan, Tennessee.
2018, 2019, 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October INSERT YEARS AWARD WAS GIVEN). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2018, 2020 and 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020 and 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Becky has been recognized multiple times for her efforts as a Financial Advisor at Morgan Stanley. Working Mother Magazine recognized her as a Top Wealth Advisor Mom in 2018, 2019, and 2020 in addition she has also been recognized by Forbes as a Best-in-State Wealth Advisor in 2018, 2022 and 2023. She earned her Bachelor of Arts Degree from Doane College and Certificate in Financial Planning from Christian Brothers University.
Becky resides in Memphis with her husband, Alan, son Jake, and their two dogs Jack and Copper. When Becky is not serving her clients, she can be found gardening, exploring National Parks, and spending time with her family at their farm near Milan, Tennessee.
2018, 2019, 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October INSERT YEARS AWARD WAS GIVEN). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2018, 2020 and 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020 and 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: VT, AR, SD, VA, MO, KS, FL, CO, SC, PA, NE, MT, TN, MI, CA, OK, MD, DE, TX, NV, NC, IN, ID, CT, AL, OR, NY, NJ, MS, IL, GA, WI, NH, MA, LA, AZ, KY, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293937
NMLS#: 1293937
About Gary M Hinson
As a partner in the Bridgmon Hinson Ross Group at Morgan Stanley, Gary brings a total wealth approach customized to each client relationship. Gary is a Certified Financial Planner ™ professional which provides the foundation of his total wealth philosophy. In addition to focusing on investment strategy and design, Gary also incorporates developing a goals-based financial plan, discussion of relevant estate planning strategies, insurance review and analysis, tax-aware and tax-efficient investing strategies, asset and liability analysis, and assisting clients in coordinating with outside specialist including estate attorneys and accountants. Clients feel comfortable bringing Gary into all areas of their financial lives beyond just investing including retirement and other major life events, education planning, and all of their everyday financial happenings. Morgan Stanley’s vast resources allow Gary, Becky, and Jack to offer solutions and ideas to help meet their client’s needs no matter what phase of life they are in.
Gary began his financial services career in 2000 after earning his Bachelor’s of Business Administration in Banking and Finance from Mississippi State University. After working in internal sales and product development with a national retirement plan recordkeeping firm for 4 years, Gary joined his business partner, Jack Ross, CFP®, at Wachovia Securities in 2004. In 2008, Gary and Jack moved their practice to Smith Barney who was purchased by Morgan Stanley in 2009. Gary and Jack have been at Morgan Stanley for over 14 years.
In 2010, Gary earned his Certificate in Financial Planning from Christian Brothers University School of Business in preparation for sitting for the Certified Financial Planner TM designation exam. After successfully passing the exam in 2010, Gary holds the Certified Financial Planner TM designation. Gary also earned his Chartered Retirement Plans Specialist CRPS® designation through College of Financial Planning adding to his career long experience in helping business owners design and maintain competitive 401(k) plans to their employees. A commitment to lifelong learning in the financial services industry allows Gary to provide insightful knowledge with a broad base of solutions for basic to complex financial situations that his clients have.
Gary and his wife Alison have been married for 18 years and have two daughters, Elizabeth, age 12 and Nell, age 7. Outside of work, Gary enjoys traveling, playing golf, and being actively involved his daughters’ activities.
Gary began his financial services career in 2000 after earning his Bachelor’s of Business Administration in Banking and Finance from Mississippi State University. After working in internal sales and product development with a national retirement plan recordkeeping firm for 4 years, Gary joined his business partner, Jack Ross, CFP®, at Wachovia Securities in 2004. In 2008, Gary and Jack moved their practice to Smith Barney who was purchased by Morgan Stanley in 2009. Gary and Jack have been at Morgan Stanley for over 14 years.
In 2010, Gary earned his Certificate in Financial Planning from Christian Brothers University School of Business in preparation for sitting for the Certified Financial Planner TM designation exam. After successfully passing the exam in 2010, Gary holds the Certified Financial Planner TM designation. Gary also earned his Chartered Retirement Plans Specialist CRPS® designation through College of Financial Planning adding to his career long experience in helping business owners design and maintain competitive 401(k) plans to their employees. A commitment to lifelong learning in the financial services industry allows Gary to provide insightful knowledge with a broad base of solutions for basic to complex financial situations that his clients have.
Gary and his wife Alison have been married for 18 years and have two daughters, Elizabeth, age 12 and Nell, age 7. Outside of work, Gary enjoys traveling, playing golf, and being actively involved his daughters’ activities.
Securities Agent: OH, GA, PA, NH, MO, KY, CO, TN, OR, MD, LA, AZ, WI, NJ, MT, ID, DE, CA, AR, VA, SC, NC, KS, SD, IN, IL, AL, MS, FL, TX, NY, MI, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290443
NMLS#: 1290443
About Jack G Ross
With more than 24 years of experience in the financial services industry, Jack brings a wealth of knowledge and a broad perspective of the investment world to our clients. After attending the University of Alabama where he majored in Finance, Jack began his career in the insurance industry in 1998 at Jefferson Pilot Financial.
Within this time, Jack unfortunately lost his father and had to quickly learn the complexities within his father’s estate as an administrator. Having navigated through such an impactful life-changing event, Jack’s motivation in serving clients not only stems from a philosophy driven by his background as a Certified Financial Planner®, but from the challenges of navigating the complex world of finance as an estate administrator.
Jack’s top priority is helping clients achieve their most important goals. He focuses on creating financial solutions – investing, planning, estate planning strategies, tax efficiency, assets, and liabilities.
With the hands-on knowledge and experience Jack acquired, he then spent 6 years at Wachovia Securities as a financial advisor from 2002 to 2008, alongside his partner Gary Hinson. Jack made a firm change to Smith Barney in 2008 which then became Morgan Stanley in 2009 and has been with the firm for over 14 years. After his transition, Jack earned the titles of First Vice President and Senior Portfolio Manager at Morgan Stanley. Soon after, both Jack and Gary took the extra step to demonstrate commitment and professionalism by attaining the Certified Financial Planner (CFP®) designation.
Jack lives in Collierville, TN with his two boys, John and Nick. Outside of work, he spent nine years coaching basketball and football teams for both of his sons when they were younger. Currently, Jack enjoys watching a variety of sports such as pro football, basketball and baseball.
Within this time, Jack unfortunately lost his father and had to quickly learn the complexities within his father’s estate as an administrator. Having navigated through such an impactful life-changing event, Jack’s motivation in serving clients not only stems from a philosophy driven by his background as a Certified Financial Planner®, but from the challenges of navigating the complex world of finance as an estate administrator.
Jack’s top priority is helping clients achieve their most important goals. He focuses on creating financial solutions – investing, planning, estate planning strategies, tax efficiency, assets, and liabilities.
With the hands-on knowledge and experience Jack acquired, he then spent 6 years at Wachovia Securities as a financial advisor from 2002 to 2008, alongside his partner Gary Hinson. Jack made a firm change to Smith Barney in 2008 which then became Morgan Stanley in 2009 and has been with the firm for over 14 years. After his transition, Jack earned the titles of First Vice President and Senior Portfolio Manager at Morgan Stanley. Soon after, both Jack and Gary took the extra step to demonstrate commitment and professionalism by attaining the Certified Financial Planner (CFP®) designation.
Jack lives in Collierville, TN with his two boys, John and Nick. Outside of work, he spent nine years coaching basketball and football teams for both of his sons when they were younger. Currently, Jack enjoys watching a variety of sports such as pro football, basketball and baseball.
Securities Agent: IL, OR, VA, LA, WI, GA, AL, PA, TN, MS, CA, MO, ID, AR, NY, NH, TX, NC, NJ, MT, MI, KS, DE, SD, SC, MA, KY, IN, FL, CO, AZ, OH, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290533
NMLS#: 1290533
Contact Becky Bridgmon
Contact Gary M Hinson
Contact Jack G Ross
Wealth Management
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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 Bridgmon Hinson Ross 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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
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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)