Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(859) 231-9576(859) 231-9576
The Brown Biggins Group at Morgan Stanley
Direct:
(859) 231-9500(859) 231-9500
Toll-Free:
(800) 354-9559(800) 354-9559
Our Mission Statement
Our mission is to empower our clients financially by offering them tailored advice and solutions that are designed to help them attain financial independence and freedom at every stage of their lives.
About Us
With several years of combined experience*, the Brown Biggins Group works to thoroughly understand your financial needs, identify your goals, and align necessary resources to meet or exceed them.
Some examples of this are:
- Providing personalized planning that encompasses all phases of life through investment management, goals analyses and insurance implementation
- Utilizing vast education, experience and resources to deliver unbiased recommendations
- Conducting comprehensive research in order to build appropriate investment portfolios
- Ongoing continuous follow up, monitoring and modifying your plan to fit specific needs
- Emphasizing service in all stages throughout the planning process
*Individual industry experience (2024): Christy Brown - 24 years, Emily Biggins- 11 years
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclosures:
2024 - 2025 Forbes Best-In- State Wealth Management Teams
Source: Forbes.com (Awarded 2024 - 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Some examples of this are:
- Providing personalized planning that encompasses all phases of life through investment management, goals analyses and insurance implementation
- Utilizing vast education, experience and resources to deliver unbiased recommendations
- Conducting comprehensive research in order to build appropriate investment portfolios
- Ongoing continuous follow up, monitoring and modifying your plan to fit specific needs
- Emphasizing service in all stages throughout the planning process
*Individual industry experience (2024): Christy Brown - 24 years, Emily Biggins- 11 years
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclosures:
2024 - 2025 Forbes Best-In- State Wealth Management Teams
Source: Forbes.com (Awarded 2024 - 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Recognition
- 2025 Forbes Best-In-State Wealth Management Teams
- 2024 Forbes Best-In-State Wealth Management Teams
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A PERSONALIZED FINANCIAL STRATEGY DESIGNED TO MEET YOUR UNIQUE FINANCIAL GOALS AND OBJECTIVES
In the past, financial planning used to be a relatively straightforward process, where the primary focus was on accumulating wealth and transitioning to conservative investment vehicles that could provide retirees with stable retirement income and principal stability. However, in today's rapidly evolving world, financial planning has become significantly more intricate, particularly with regards to transforming a lifetime of savings into a sustainable source of income for individuals who are leading longer, healthier, and more active lives.
We recognize that navigating the current financial landscape can be a challenging task. As such, we place a premium on attentive service, which is grounded in listening to our clients' unique needs, concerns, and objectives. Our ultimate objective is to equip you with the tools and knowledge you need to make informed financial decisions and secure your financial future.
No matter what your financial aspirations may be, you can rely on us to create a strategy that is:
We recognize that navigating the current financial landscape can be a challenging task. As such, we place a premium on attentive service, which is grounded in listening to our clients' unique needs, concerns, and objectives. Our ultimate objective is to equip you with the tools and knowledge you need to make informed financial decisions and secure your financial future.
No matter what your financial aspirations may be, you can rely on us to create a strategy that is:
1. Personal:
We take a customized approach that is specifically designed to address your individual financial requirements and objectives, and our team is unwaveringly devoted to your advancement. We are committed in delivering bespoke advice and assistance to help you achieve financial success.
2. Flexible:
Capable of adjusting to the ever-changing dynamics of your life and accommodating the shifting landscape of your priorities as time unfolds.
3. Comprehensive:
We offer a range of investment products and services that are specifically designed to cater to a diverse array of financial requirements. Our offerings are complemented by exclusive benefits that are meticulously crafted to cater to the esteemed nature of your relationship with us.
Financial Planning Brochure
Are you interested in expanding your knowledge? Our financial planning brochure provides valuable insights on investment strategies, retirement planning, and other essential financial concepts.
Plan for Your FutureSpending and Budgeting Tool
Partnering with us at Morgan Stanley grants you access to our robust Spending and Budgeting tool. This tool provides insights into cash flows across multiple accounts, tracks spending patterns, and offers income and expense analysis. It empowers you to adjust spending behavior and work towards your financial goals.
Watch To Learn MoreAladdin - Portfolio Risk Platform
Working with us allows you to have privileged access to Morgan Stanley's Portfolio Risk Platform - a state-of-the-art risk management tool. This platform offers a wide range of risk assessment and reporting capabilities, spanning various asset classes and security types. From high-level overviews to granular analyses, our risk platform facilitates effective monitoring and management of risks for optimal portfolio performance.
Watch To Learn MoreYour Investor Toolkit
At Morgan Stanley, we hold the firm belief that a strong foundation in financial education is crucial for gaining valuable insights into investment strategies and cultivating disciplined decision-making abilities. This, in turn, leads to enhanced long-term outcomes for our clients. In line with this belief, we are fully committed to providing our clients with vital information on effective wealth management in today's dynamic global markets.
To uphold this commitment, we have meticulously curated a array of resources that focus on fundamental investment
To uphold this commitment, we have meticulously curated a array of resources that focus on fundamental investment
On The Markets Research Report
Morgan Stanley's expert thought leaders offer valuable insights on global equities, fixed income, monetary policy, and more through their robust market commentary.
Read The Latest Report
GIC Weekly Research Report
In the recurrent assessment of global markets, asset class performance, and fixed income, Lisa Shalett, Head of the Global Investment Office, offers her invaluable expertise and delivers an all-encompassing outlook.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast provides sophisticated and enlightening narratives that offer profound insights into the business, finance, and technology landscapes. This engaging and informative podcast deepens listeners' understanding of diverse industries, making it a valuable resource for expanding your knowledge.
Check Out The Latest Episode
Thoughts On The Market Podcast
Obtain valuable market insights from Mike Wilson, Chief Investment Officer and Chief Equity Strategist at Morgan Stanley, and his teams diverse viewpoints on the latest financial trends, exploring the forces shaping the industry, and benefit from their unparalleled expertise in navigating the complexities of the market.
Check Out The Latest Episode
The Next American Productivity Renaissance
Don't miss out on insights into the economic drivers that will shape the next investment cycle and uncover potential areas for growth and profitability in health care, financials, energy, industrials, defense, real estate, and technology, in this Special GIC Report.
Read The Report
Tax Smart Investing
Incorporating tax management into your investment process can enhance wealth growth. Thinking ahead and employing tax-smart strategies throughout the investment process, not just during tax season, may lead to better overall outcomes.
Learn MoreMORGAN STANLEY'S SUITE OF CUTTING-EDGE DIGITAL TOOLS
Digital technology has revolutionized the way we communicate, consume, transact, and travel. At Morgan Stanley, we have developed a suite of cutting-edge digital tools that are specifically designed to optimize every aspect of your financial life. Our offerings are tailored to meet the unique needs of our clients and provide unparalleled convenience and efficiency.
Our digital tools are designed to enhance your financial experience in a variety of ways. From seamless communication channels that allow you to easily connect with our team, to user-friendly interfaces that make managing your accounts a breeze, our digital technology is built with your needs in mind. Our tools also provide advanced features that streamline transactions, making it easier than ever to securely move and manage your money.
Experience the future of finance with our cutting-edge digital technology and unlock new possibilities for managing your financial affairs
Our digital tools are designed to enhance your financial experience in a variety of ways. From seamless communication channels that allow you to easily connect with our team, to user-friendly interfaces that make managing your accounts a breeze, our digital technology is built with your needs in mind. Our tools also provide advanced features that streamline transactions, making it easier than ever to securely move and manage your money.
Experience the future of finance with our cutting-edge digital technology and unlock new possibilities for managing your financial affairs
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) offers a wide range of features beyond accessing your account balance and activity. With MSO, you can efficiently manage everyday financial tasks such as bill payments, fund transfers, and expedited transactions with eAuthorizations, saving you time and effort.
Morgan Stanley OnlineTotal Wealth View
Total Wealth View provides a macro view of your wealth by aggregating accounts from multiple sources into one secure platform. Leveraging this innovative feature, our team can provide more personalized advice, tailored specifically to your unique financial situation. Experience the power of Total Wealth View to confidently manage your financial future.
Total Wealth VieweAuthorizations
eAuthorizations is a highly secure and efficient electronic transaction approval solution offered by Morgan Stanley. With a single click on the Morgan Stanley Online or Mobile App, users can authorize transactions with confidence, knowing that their sensitive information is protected through robust security protocols.
eAuthorizations Client GuideDigital Vault
With the Digital Vault, on Morgan Stanley Online and the Mobile App, you can easily and securely access, upload, or share life's most important documents. Whether it's wills, deeds, financial statements, or tax fillings, the Digital Vault enables you to manage all of your records in one location, while maintaining the highest levels of data security and privacy.
Digital Vault Client GuideeSign
Our clients can take advantages of an efficient and streamlined document management process, which expedites the receipt, review, and execution of essential documents without the delays often associated with traditional mailing methods. The seamless utilization of our eSign feature only requires a valid email address and phone number to commence, making it a hassle-free process for our valued users.
eDelivery
eDelivery provides Morgan Stanley Online registered clients with convenient and flexible access to important documents in an electronic format, eliminating the need for paper copies. The platform supports a wide range of documents including statements, trade confirmations, prospectuses, tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDelivery Client GuideWealth Education For The Next Generation
At Morgan Stanley, we believe that knowledge is the key to unlocking future success, and we’re excited to share our thought leadership and experience with you! Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement and Charline Burgess, Senior Wealth Education Specialist, you will learn about financial concepts, investing, and money management in a fun and interactive way.
Understanding Market Dynamics: February 3, 2025
Join us for a session featuring Caroline Gundeck, Head of UHNW Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, and Kevin Demers, Investment Strategist, as they present a broader understanding of investment indices, market cycles and the critical role of timing in investment success.
Watch Replay Here
Cybersecurity: June 3, 2024
Our third session of this series will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. This session will cover practical strategies to stay safe in today’s digital landscape
Watch Replay Here
Exploring Investments: Stocks, Bonds, and Beyond: July 1, 2023
Our fourth session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Watch Replay Here
Health is Wealth with Dr. Kim Henderson: Monday, September 9, 2024
Join us for a session featuring Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education who will provide us with insights into managing healthcare, investing in preventative care, and cultivating healthy habits that could lead to long- term prosperity.
Watch Replay HereLocation
444 East Main St
Ste 111
Lexington, KY 40507
US
Direct:
(859) 231-9500(859) 231-9500
Toll-Free:
(800) 354-9559(800) 354-9559
Meet The Brown Biggins Group
Phone:
(859) 231-9555(859) 231-9555
Isabella Hofmann
Registered Client Service Associate
Phone:
(859) 231-9548(859) 231-9548
Katherine Wright
Registered Client Service Associate
Phone:
(859) 231-9512(859) 231-9512
About Christy Brown
Christy is one of the founding members of the Brotherton Brown Group which started in 2008. Originally from Bowling Green, Kentucky, she received her Bachelor of Arts degree in Business Administration from Transylvania University in Lexington, KY. Christy started at Smith Barney as a Client Service Associate, and upon obtaining her FINRA securities licenses she began working with clients as a Financial Advisor in June 2006.
In 2008, she earned the designation Chartered Retirement Planning Counselor℠, and in 2011, she became a CERTIFIED FINANCIAL PLANNER™.
Christy is the Portfolio Management Director for Brown Biggins Group. She focuses on investment management as well as financial and retirement planning strategies for individuals, families, and organizations in Lexington and across the US.
When Christy is not assisting clients with their financial goals, she enjoys traveling, being outdoors, and photography as well as community involvement. She served as a former board member for Kidney Health Alliance of Kentucky and Junior League of Lexington. She has participated in leadership programs such as Leadership Lexington, Leadership Central Kentucky, and Leadership Kentucky.
Christy was recognized in the Forbes Top Women Wealth Advisors Best-In-State and Best-In State in 2023, 2024, & 2025 .
2023 - 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 2023 - 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.
In 2008, she earned the designation Chartered Retirement Planning Counselor℠, and in 2011, she became a CERTIFIED FINANCIAL PLANNER™.
Christy is the Portfolio Management Director for Brown Biggins Group. She focuses on investment management as well as financial and retirement planning strategies for individuals, families, and organizations in Lexington and across the US.
When Christy is not assisting clients with their financial goals, she enjoys traveling, being outdoors, and photography as well as community involvement. She served as a former board member for Kidney Health Alliance of Kentucky and Junior League of Lexington. She has participated in leadership programs such as Leadership Lexington, Leadership Central Kentucky, and Leadership Kentucky.
Christy was recognized in the Forbes Top Women Wealth Advisors Best-In-State and Best-In State in 2023, 2024, & 2025 .
2023 - 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 2023 - 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.
Securities Agent: MD, IL, TX, OH, HI, NM, MS, WV, LA, VA, UT, PA, NC, CA, NY, DE, TN, SC, MI, IN, GA, AZ, ME, KY, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1279384
NMLS#: 1279384
About Emily K. Biggins
Emily joined the Brotherton Brown Group in 2015 as a Client Service Associate after relocating to Lexington from Cincinnati, where she worked for two years as a Client Relationship Manager at an independent financial firm. Originally from Akron, Ohio she received her Bachelors of Science degree in Business Administration with a double major in marketing and finance from the University of Dayton in 2013. She received her CERTIFIED FINANCIAL PLANNER™ designation in the spring of 2017 and transitioned into the role of Financial Advisor in the summer of 2018. Now as the Brown Biggins Group, Emily’s main emphasis is helping clients identify and assess specific financial goals. Together, she and Christy build investment and insurance recommendations to assist clients in reaching financial independence.
When Emily is not assisting clients, she enjoys skiing, hiking, running and cheering on her favorite sports teams with her husband Eric. Emily also enjoys giving back to the Lexington area. She is the Treasurer for Girls on the Run Central Kentucky, a member of the Junior League of Lexington and on the board of their Charity Horse Show. Additionally, Emily is a graduate of the 2021-2022 Leadership Lexington Class through Commerce Lexington where she connected with other leaders and learned about the city of Lexington.
When Emily is not assisting clients, she enjoys skiing, hiking, running and cheering on her favorite sports teams with her husband Eric. Emily also enjoys giving back to the Lexington area. She is the Treasurer for Girls on the Run Central Kentucky, a member of the Junior League of Lexington and on the board of their Charity Horse Show. Additionally, Emily is a graduate of the 2021-2022 Leadership Lexington Class through Commerce Lexington where she connected with other leaders and learned about the city of Lexington.
Securities Agent: CA, VA, UT, LA, FL, AZ, NC, IN, HI, DE, WV, TN, NY, NM, TX, SC, MD, KY, GA, IL, MS, MI, PA, OH, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1786403
NMLS#: 1786403
About Isabella Hofmann
Isabella, a proud graduate of the University of Kentucky with a degree in Finance and Business Management, embarked on her journey in the financial services with Morgan Stanley in 2022. While in school, she had the privilege to intern with Houchens Insurance Group, where she honed her skills in client management, working hand-in-hand with producers. This experience gave her unique insights, drawing parallels between working with producers in the insurance world and financial advisors in the services industry.
Born and raised in Louisville, KY, Isabella cherishes her tight-knit family, consisting of her parents, a younger sister, and two small dogs that she adores. She carries the same devotion and care into her work life, aiming to treat Morgan Stanley's clients with the same dedication and respect she'd wish for her own family.
An active member of her childhood church, Isabella has always been committed to her community. Over the years, she has taken part in numerous philanthropic endeavors through her church. She holds a special place in her heart for the Alzheimer's Research Foundation, a charity she is deeply affiliated with.
When she's not assisting clients, Isabella enjoys many activities outside of work from the adrenaline of working out to the joys of traveling. She's an avid concert-goer and has a love for music festivals. Above all, she treasures quality time with family and friends, cherishing the relationships she has built over the years.
To Isabella, these bonds are paramount, and she aims to mirror this sentiment in her professional life. She wants her clients to know that the standard of service she provides at Morgan Stanley is the same she'd want her loved ones to experience: rooted in trust, dedication, and a genuine commitment to their best interests.
Born and raised in Louisville, KY, Isabella cherishes her tight-knit family, consisting of her parents, a younger sister, and two small dogs that she adores. She carries the same devotion and care into her work life, aiming to treat Morgan Stanley's clients with the same dedication and respect she'd wish for her own family.
An active member of her childhood church, Isabella has always been committed to her community. Over the years, she has taken part in numerous philanthropic endeavors through her church. She holds a special place in her heart for the Alzheimer's Research Foundation, a charity she is deeply affiliated with.
When she's not assisting clients, Isabella enjoys many activities outside of work from the adrenaline of working out to the joys of traveling. She's an avid concert-goer and has a love for music festivals. Above all, she treasures quality time with family and friends, cherishing the relationships she has built over the years.
To Isabella, these bonds are paramount, and she aims to mirror this sentiment in her professional life. She wants her clients to know that the standard of service she provides at Morgan Stanley is the same she'd want her loved ones to experience: rooted in trust, dedication, and a genuine commitment to their best interests.
About Katherine Wright
Katherine joins the Brown Biggins Group as a Registered Client Service Associate after spending 2 years in the financial industry with another firm. While in her previous role, she received her Series 7 and 66 licenses to become fully registered and built her foundation in understanding the importance of client service. Prior to entering the financial services industry, Katherine spent more than three years teaching public school choir where she sharpened her passion for helping others. A native Lexingtonian, Katherine is a proud Bryan Station High School alumnus and graduated from the University of Kentucky with a bachelor’s degree in choral music education.
Aside from her professional world, Katherine enjoys singing, playing various instruments, volunteering with Habitat for Humanity, volunteering as the community service chair with Rotary Club, and attending services at the Church of the Good Shepherd. Katherine also enjoys experiencing other cultures through international travel and is fluent in Spanish.
Katherine brings her enthusiasm for helping clients and building lasting client relationships to her work every day. Katherine’s work is one of the primary joys of her life, and she aims to show this joy through her interactions with each client.
Aside from her professional world, Katherine enjoys singing, playing various instruments, volunteering with Habitat for Humanity, volunteering as the community service chair with Rotary Club, and attending services at the Church of the Good Shepherd. Katherine also enjoys experiencing other cultures through international travel and is fluent in Spanish.
Katherine brings her enthusiasm for helping clients and building lasting client relationships to her work every day. Katherine’s work is one of the primary joys of her life, and she aims to show this joy through her interactions with each client.
Contact Christy Brown
Contact Emily K. Biggins
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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.
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.
4When 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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
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.
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.
4When 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
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Awards Disclosures
CRC 6491812 (04/2024)
