Stephen Burt
Financial Advisor
Phone:
(330) 491-4034(330) 491-4034
The Burt Group at Morgan Stanley
Direct:
(330) 491-4034(330) 491-4034
Toll-Free:
(800) 755-8285(800) 755-8285
Our Mission Statement
Our goal is to give you the courage to face the markets and the realities of your personal situation with confidence. We combine our years of financial experience with the intellectual capital of Morgan Stanley to help you achieve your lifelong goals. Our approach is comprehensive, customized and confidential. Everything that we do is delivered with true care and concern for you and your family.
Our Story and Services
What Do We Do?
We help you achieve your personal goals and dreams by designing a plan to help you get where you want to go in life. We listen to understand what is significant to you and to what is in your heart. Our goal is to give you the courage to face the markets and the realities of your personal financial situation. We combine our years of financial experience with Morgan Stanley's investment research and intellectual capital to equip you to help achieve your life long goals.
How Do We Do It?
We create a comprehensive financial plan to look at all aspects of your life. We design your personal plan which includes growing and protecting investment assets, paying off your debt, coordinating with your outside professionals and continually monitoring your progress. Our approach is comprehensive, customized and confidential. Everything that we do is delivered with a true care and concern for you and your family.
Who Do We Do It For?
We are committed to working hard every day for you and your family. We help you strategically plan for retirement or to achieve a specific goal, while empowering you with control and ownership of your financial future. Our collaboration with you is designed to leverage our advice into your financial success. Your relationship is significant to us and we want you to always know that you have a financial advisor to assist you and your family now and in the future.
What Are The Benefits of Working With Us?
You will have an advocate that truly cares about you and your family and who strives to give you confidence knowing that you have a well thought out plan in place. We are active with the entire family and want you to have comfort knowing that we will help your loved ones if something happens to you. You will have new ideas and strategies in place to help grow and protect your assets and make sure you are satisfied with the plan in place for your estate and next generation. We make sure your assets are organized and in one place so you have the convenience of calling us whenever you face critical questions and key decisions that impact your life.
We will help you take active steps toward achieving your retirement goals instead of just dreaming about them. We help you accomplish the things that are important to you for the people that you love. We believe that you will be so pleased with your experience that you will share us as a resource with others that are important in your life so that they may have the same experience.
We help you achieve your personal goals and dreams by designing a plan to help you get where you want to go in life. We listen to understand what is significant to you and to what is in your heart. Our goal is to give you the courage to face the markets and the realities of your personal financial situation. We combine our years of financial experience with Morgan Stanley's investment research and intellectual capital to equip you to help achieve your life long goals.
How Do We Do It?
We create a comprehensive financial plan to look at all aspects of your life. We design your personal plan which includes growing and protecting investment assets, paying off your debt, coordinating with your outside professionals and continually monitoring your progress. Our approach is comprehensive, customized and confidential. Everything that we do is delivered with a true care and concern for you and your family.
Who Do We Do It For?
We are committed to working hard every day for you and your family. We help you strategically plan for retirement or to achieve a specific goal, while empowering you with control and ownership of your financial future. Our collaboration with you is designed to leverage our advice into your financial success. Your relationship is significant to us and we want you to always know that you have a financial advisor to assist you and your family now and in the future.
What Are The Benefits of Working With Us?
You will have an advocate that truly cares about you and your family and who strives to give you confidence knowing that you have a well thought out plan in place. We are active with the entire family and want you to have comfort knowing that we will help your loved ones if something happens to you. You will have new ideas and strategies in place to help grow and protect your assets and make sure you are satisfied with the plan in place for your estate and next generation. We make sure your assets are organized and in one place so you have the convenience of calling us whenever you face critical questions and key decisions that impact your life.
We will help you take active steps toward achieving your retirement goals instead of just dreaming about them. We help you accomplish the things that are important to you for the people that you love. We believe that you will be so pleased with your experience that you will share us as a resource with others that are important in your life so that they may have the same experience.
Services Include
- UGMA/UTMAFootnote1
- Wealth Consulting
- Wealth ManagementFootnote2
- 401(k) Rollovers
- 529 PlansFootnote3
- Alternative InvestmentsFootnote4
- AnnuitiesFootnote5
- Asset Management
- Business PlanningFootnote6
- Cash ManagementFootnote7
- Certificates of DepositFootnote8
- Corporate BondsFootnote9
- Corporate Cash Management
- Corporate Retirement PlansFootnote10
- Defined Contribution PlansFootnote11
- Endowments and FoundationsFootnote12
- Estate Planning StrategiesFootnote13
- Exchange Traded FundsFootnote14
- Financial PlanningFootnote15
- Fixed IncomeFootnote16
- Lending Products
- Life InsuranceFootnote17
- Long Term Care InsuranceFootnote18
- Municipal BondsFootnote19
- Planning for Education FundingFootnote20
- Professional Portfolio ManagementFootnote21
- Qualified Plans
- Qualified Retirement PlansFootnote22
- Retirement PlanningFootnote23
- Stock Option PlansFootnote24
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning at The Burt Group
The Burt Group firmly believes that every client should have a financial plan in place. As a Financial Advisors who focus on tailoring custom portfolio management solutions to clients, The Burt Group has seen how having a financial plan in place can set clients up for financial success. In an unpredictable market environment, establishing a Morgan Stanley LifeView plan with The Burt Group can help clients stay on top of their goals.
LifeView
LifeView is a Morgan Stanley tool which allows clients to see how their money is working for them. Having a solid financial plan in place can be paramount to financial success, and LifeView is designed to help you stay on top of all your financial goals in working with The Burt Group.
Learn More about LifeView
Morgan Stanley Online (MSO) and Total Wealth View (TWV)
Total Wealth View and Morgan Stanley Online can help enhance the Morgan Stanley experience by providing clients with technology that allows them to understand their finances in greater depth.
Learn More about MSO and TWV
Portfolio Risk Platform-Powered by Aladdin
PRP-Powered by Aladdin, is a risk management tool that provides comprehensive risk estimates and reports across a diverse set of security types and asset classes. The PRP provides a holistic view to aid in effective risk management and monitoring.
Learn More about Portfolio Risk PlatformA Disciplined Investment Process
We work closely with you to understand your needs while maintaining the focus and discipline to help guide your portfolio through the most challenging market cycles.
SET YOUR FINANCIAL OBJECTIVES
• Help you develop an
investment strategy
• Strategy is based on your:
– Specific goals
– Time horizon
– Tolerance for risk
– Appetite for market
volatility
investment strategy
• Strategy is based on your:
– Specific goals
– Time horizon
– Tolerance for risk
– Appetite for market
volatility
DEFINE AN INVESTMENT STRATEGY
• Asset allocation
recommendation
• Model and portfolio
construction
• Part of a diversified
investment strategy
recommendation
• Model and portfolio
construction
• Part of a diversified
investment strategy
EVALUATE AND SELECT INVESTMENTS
• Implementation of
asset allocation
strategy
• Investment selection
based on your interests
asset allocation
strategy
• Investment selection
based on your interests
ONGOING REVIEW PROCESS
• Assessment of your
investment performance
• Make appropriate
adjustments
• Adapt strategy to changes
in your personal and
professional life
investment performance
• Make appropriate
adjustments
• Adapt strategy to changes
in your personal and
professional life
Stay Current On the Market
Stay up to date on what is going on in the world of finance and in the global financial marketplace.
GIC On the Markets
The latest edition of “On the Markets,” a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
GIC On the Markets
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Market Podcast
Developing a Tax Smart Portfolio
Tax strategies can have a surprisingly large potential impact on lifetime wealth accumulation. A look at some of the techniques that could help you keep more money growing.
Tax Smart Portfolios and How They Can be Used
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Tax Loss Harvesting
What is tax-loss harvesting exactly, and how do some investors use it to opportunistically reduce their tax bills?
Tax Loss Harvesting and How It Can Impact YouBuilding Your Legacy with The Burt Group
Managing your family's wealth is about more than simply attaining a desired return. At The Burt Group, we work with our clients and their families to plan for both the present and the future. Our goal is to get all generations involved in establishing a plan so that your hard earned wealth transcends generations and lasts long after you are gone.
If you have questions on estate planning and securing your legacy, we can help make sense of this and put a plan in place.
If you have questions on estate planning and securing your legacy, we can help make sense of this and put a plan in place.
How The Burt Group Can Help
- Create a Comprehensive Financial Plan
- Long Term Investment Solutions
- Getting Your Heirs Involved
- Estate Planning
- College and Education Planning
- Gifting Strategies
- Charitable Giving Planning
- Cash Management Solutions
Location
4455 Dressler Rd NW
Ste 202
Canton, OH 44718
US
Direct:
(330) 491-4034(330) 491-4034
Toll-Free:
(800) 755-8285(800) 755-8285
Meet The Burt Group
Christy Stutzman
Financial Advisor
Phone:
(330) 491-4027(330) 491-4027
Melanie Kay Abraham
Senior Client Service Associate
Phone:
(330) 491-4012(330) 491-4012
About Stephen Burt
An experienced investment professional in financial services since 1993, Stephen focuses on developing and fostering close personal relationships with his clients and assists them with comprehensive financial planning. He joined Morgan Stanley in 2014 and most of his clients are professionals and business owners seeking solutions to resolve their immediate financial concerns as well as develop a personal long term strategic financial plan. Stephen collaborates with his clients to develop an integrated holistic plan that addresses solutions in the following areas: Investment Planning, Retirement Planning, Insurance & Annuities Planning, Estate Planning Strategies and Lending. His strengths are helping clients define their goals and organize their financial lives, while providing superior client communication and service. Stephen’s main responsibilities for the team include leading The Burt Group’s vision and strategy, business development and helping solve complex investment and planning needs for the clients. His approach is comprehensive, customized and confidential. Everything that he does is delivered with a true care and concern for his clients.
After graduating from Miami of Ohio University with a Bachelor of Science Degree in Business and Accounting in 1993, Stephen’s work experience spans 30 years in the areas of public accounting, capital markets, commercial banking, private banking and investment management. He completed an MBA from Kent State University in 2005. Stephen is designated as a Senior Portfolio Manager at Morgan Stanley and he also holds his Series 7, 66 and Life and Health Insurance Licenses. He currently resides in Green, Ohio with his wife, Emily and their two daughters, Madeline and Abbey. Outside the office, he enjoys participating in community events, traveling, sports and outdoor activities.
After graduating from Miami of Ohio University with a Bachelor of Science Degree in Business and Accounting in 1993, Stephen’s work experience spans 30 years in the areas of public accounting, capital markets, commercial banking, private banking and investment management. He completed an MBA from Kent State University in 2005. Stephen is designated as a Senior Portfolio Manager at Morgan Stanley and he also holds his Series 7, 66 and Life and Health Insurance Licenses. He currently resides in Green, Ohio with his wife, Emily and their two daughters, Madeline and Abbey. Outside the office, he enjoys participating in community events, traveling, sports and outdoor activities.
Securities Agent: KS, OH, NC, AZ, VA, TN, MA, GA, AR, CA, TX, SC, NY, WY, MD, FL, CO, PA, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 639672
NMLS#: 639672
About Christy Stutzman
A professional in the financial services industry since 2015, Christy began her career with Covenant Financial Advisors in Sugarcreek, OH where she worked closely with clients preparing financial plans and servicing accounts. She joined The Burt Group in 2019 and completed Morgan Stanley’s comprehensive Financial Advisor Associate program. Christy provides customized investment strategies and goals-based planning services to all of the team’s clients. She coordinates closely with all members of the team to provide superior client service and tailored investment solutions. Christy’s main responsibilities for the team include comprehensive financial planning, investment research, IRA rollovers, marketing, and service in key areas such as annuities, 529 plans, life insurance and long-term care insurance. She believes that helping clients understand both sides of their balance sheet is an important step in helping them take ownership of their financial lives and can also help to prepare them for their long-term financial goals. Christy holds her Series 7, 66 and Life and Health Insurance Licenses.
A lifelong resident of Ohio, Christy currently resides in Sugarcreek, OH. Outside of the office she spends her time mentoring and traveling. She is an avid Cleveland baseball fan and loves listening to live music at any of her favorite local venues near her home and when she travels. Christy has three children, Mykaela, Jagger and Tyler, plus her son-in-law Brandon whom she gained when her daughter married. Her future fun goals are to visit every baseball park in the United States and to someday vacation in Switzerland.
A lifelong resident of Ohio, Christy currently resides in Sugarcreek, OH. Outside of the office she spends her time mentoring and traveling. She is an avid Cleveland baseball fan and loves listening to live music at any of her favorite local venues near her home and when she travels. Christy has three children, Mykaela, Jagger and Tyler, plus her son-in-law Brandon whom she gained when her daughter married. Her future fun goals are to visit every baseball park in the United States and to someday vacation in Switzerland.
Securities Agent: KS, SC, FL, WY, TX, PA, MO, TN, NY, CA, OH, MA, CO, NC, VA, MD, GA, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1911110
NMLS#: 1911110
About Melanie Kay Abraham
An experienced client service associate in the financial services industry since 1999, Melanie began her career at Merrill Lynch as a Client Service Associate and later joined Morgan Stanley in January of 2003. Her main responsibilities for The Burt Group include client statement reviews, client online access, account opening and maintenance, tax reporting documents and cash management. Melanie also helps the clients with charitable contributions, E-sign and wiring funds. She strives to deliver the highest level of personalized service for all of the team’s clients.
Born and raised in Canton, Ohio, Melanie still resides there with her husband Ron, and dog, Colt. In her spare time, she loves cooking, camping, hiking and bowling.
Born and raised in Canton, Ohio, Melanie still resides there with her husband Ron, and dog, Colt. In her spare time, she loves cooking, camping, hiking and bowling.
Contact Stephen Burt
Contact Christy Stutzman
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
Are You Prepared for Tax Day?
Article Image
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
Article Image
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
Article Image
Ready to start a conversation? Contact The Burt Group today.
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Investors 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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
8Investors 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10When 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.
11When 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.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13Morgan 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.
14An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
15Morgan 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.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
19Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
20When 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.
21Morgan 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.
22When 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.
23When 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.
24Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Investors 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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
8Investors 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10When 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.
11When 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.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13Morgan 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.
14An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
15Morgan 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.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
19Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
20When 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.
21Morgan 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.
22When 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.
23When 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.
24Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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)
