Ellen Q Bush
Senior Vice President, Financial Advisor, Senior Investment Management Consultant
Phone:
(570) 961-7708(570) 961-7708
The Bush Natishan Group at Morgan Stanley
Direct:
(570) 819-8011(570) 819-8011
Toll-Free:
(800) 342-2393(800) 342-2393
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
Experience
We are a team of experienced professionals built on the foundation of seeking to do what is best for our clients. This client centered approach ensures that our experience and skills are focused on providing personalized, comprehensive wealth management strategies for each client utilizing the vast resources of Morgan Stanley. We work for our clients as we would for our own families, with a level of service meant to allow clients the security to pursue their various interests. We offer a full range of investing solutions to help meet your needs. We strive to keep communication open, and provide new timely content frequently.
Our office locations:
Morgan Stanley Scranton - 111 N. Washington Ave, Suite 201 Scranton, PA 18503
Morgan Stanley Wilkes Barre - 1065 Highway 315, Suite 401 Wilkes-Barre, PA 18702
Our office locations:
Morgan Stanley Scranton - 111 N. Washington Ave, Suite 201 Scranton, PA 18503
Morgan Stanley Wilkes Barre - 1065 Highway 315, Suite 401 Wilkes-Barre, PA 18702
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Asset Management
- Business PlanningFootnote3
- Cash ManagementFootnote4
- Corporate Retirement PlansFootnote5
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Fixed IncomeFootnote9
- Institutional ServicesFootnote10
- Lending Products
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Planning for Education FundingFootnote13
- Qualified Plans
- Retirement PlanningFootnote14
- Wealth ManagementFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience and Services
With over 70 years of combined experience at Morgan Stanley, The Bush Natishan Group provides highly personalized, goal based comprehensive wealth management strategies to help our clients grow and maintain wealth. We strive to provide exceptional client experience for our clients and their families. Our goal is to help you address all aspects of your financial plan with our solution-based advice using our extensive professional experience as well as state of the art financial planning technology and resources… so you can focus on what is most important to you. We serve families and businesses in Wilkes Barre, Scranton, Wyoming Valley, NEPA, and across the nation.
Whether you’re… starting a family, planning to retire, looking to fund your children’s or grandchildren’s education, or purchasing a vacation home…you need a wealth plan! We will work with you to create a road map for your future, adapting to changing circumstances over time, helping you achieve your goals.
Whether you’re… starting a family, planning to retire, looking to fund your children’s or grandchildren’s education, or purchasing a vacation home…you need a wealth plan! We will work with you to create a road map for your future, adapting to changing circumstances over time, helping you achieve your goals.
Retirement Planning
We can help guide you along the path to—and through—retirement. No matter where you are in life, we can provide guidance, tools, and services to help you retire on your terms.
Investment Management & Services
We will help define an investment strategy tailored to your goals, and then help you make informed investment choices.
Cash Management & Lending Solutions
As a core part of our approach to wealth management, we offer access to a comprehensive suite of cash management and lending solutions.
401(k) or IRA Rollovers
We can help keep your retirement savings on track and reach your goals through 401k rollovers.
Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning. We can make sure you're prepared.
Estate Planning
We can help protect, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation.
How We Work With You
Our four-step process provides the context to develop and implement highly customized strategies designed to help you attain your specific financial goals.
Discovery
We start by asking questions about what matters to you the most. We'll talk about the lifestyle you enjoy, your passions and your concerns. Capturing all of this information will enable us to map out a long-term strategy, ensuring each facet of your financial situation is working together effectively.
Analysis and Recommendation
Based on our dialogue, we will analyze your personal and financial information, assess risks and identify any potential threats to your financial health. We will then present appropriate investment options that are designed to work together to help grow your portfolio and achieve your financial goals.
Implementation
Once you approved your wealth management plan, we will work closely with you to help ensure the various elements of your plan integrate well with one another. Wherever appropriate, we will suggest seeking additional, in-depth advice on complex issues such as estate planning and tax minimization strategies.
Reviewing Objectives
Ongoing communication is a vital component of our relationship and we are committed to keeping you abreast of your changing financial needs. We will review your portfolio at your request and whenever your feel your circumstances have changed. We will make certain your assets are positioned according to your evolving needs and long-term goals.
Our Suite of Digital Tools
We use Morgan Stanley's Wealth Management tools to allow for a more in-depth view of a client's financial picture to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online
You investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App. Includes:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Sign Up for MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth View
Portfolio Risk Platforms - Powered by Aladdin
Portfolio Risk Platform is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn How We Mitigate Risk for Our Clients
Goals Planning System
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Contact the Bush Natishan Group at Morgan Stanley to start the conversation.
Learn More About GPSContact the Bush Natishan Group at Morgan Stanley to start the conversation.
LifeView® Financial Goal Analysis and Financial Plan
Leveraging our vast resources, including intellectual capital, experience and dedicated service, we can work with you to create a personalized wealth strategy.
Learn More About LifeView Financial Planning
E-Delivery
E-Delivery, allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More About E-DeliveryUpcoming Firm Events
We hope you will join us for this upcoming event.
The Rise of the Humanoid Economy
DATE: June 30, 2025 at 12 p.m. ETThe Rise of the Humanoid Economy
AI is rapidly expanding its presence and the lines between mobile devices and robots are becoming more blurred. As AI gains physical abilities, how will industries and markets be transformed?
Join Wealth Management's Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley's Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world. This conversation will cover
- What is a humanoid robot and why is embodied AI rapidly advancing
- How the intersection of AI and the physical economy will change the way the world does business
- Which sectors and industries stand to benefit from this investment trend
- What this transformation means for investors and key portfolio considerations
Register now.
4582458
Online
Location
111 North Washington Ave
Suite 201
Scranton, PA 18503
US
Direct:
(570) 819-8011(570) 819-8011
Toll-Free:
(800) 342-2393(800) 342-2393
Cross Creek Pointe, 1065 Highway 315
Suite 401
Wilkes-Barre, PA 18702
US
Direct:
(570) 819-8010(570) 819-8010
Meet The Bush Natishan Group
Karen B Natishan
First Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(570) 819-8011(570) 819-8011
About Ellen Q Bush
Ellen Q. Bush has been with Morgan Stanley since 1980. She is a founding member of The Bush Natishan Group which has offices in Scranton and Wilkes Barre serving the Wyoming Valley, NEPA, and clients across the nation.
Ellen graduated Magna Cum Laude, Phi Beta Kappa from Bucknell University and received her M.A. from Lehigh University. Ellen has endowed two scholarships at Bucknell, one in memory of her father, John C. Bush, class of '42. These scholarships are directed to students from Northeast Pennsylvania (NEPA) and seek diversity in the students who are chosen as recipients. As an active community leader, Ellen serves in multiple capacities earning recognition as a recipient of the President's Volunteer Service Award.
Ellen served as a member of the Board of Trustees at Bucknell University from 1995 until 2015, serving on multiple committees including the Executive Committee of the Board. After 20 years of service she was elected Emeritus trustee in April 2015. She is the youngest trustee ever elected Emeritus Trustee.
She has been the past Chair of the Heritage Valley Partners (HVP), the 501c of the Lackawanna Heritage Valley Authority (LHVA). One area of focus for HVP/LHVA is the development and use of trails and greenways. Trails enhance the value of industrial and commercial sites for a variety of reasons, including attracting major companies, reducing health care costs and increasing productivity.
She has also served on the board for Scranton Chamber of Commerce, Geisinger CMC Advisory Council and the St. Joseph’s Foundation Board of Scranton.
Most recently, Ellen was a member of Glenmaura National Golf Club and she is a lifelong avid runner, having completed four marathons.
Ellen graduated Magna Cum Laude, Phi Beta Kappa from Bucknell University and received her M.A. from Lehigh University. Ellen has endowed two scholarships at Bucknell, one in memory of her father, John C. Bush, class of '42. These scholarships are directed to students from Northeast Pennsylvania (NEPA) and seek diversity in the students who are chosen as recipients. As an active community leader, Ellen serves in multiple capacities earning recognition as a recipient of the President's Volunteer Service Award.
Ellen served as a member of the Board of Trustees at Bucknell University from 1995 until 2015, serving on multiple committees including the Executive Committee of the Board. After 20 years of service she was elected Emeritus trustee in April 2015. She is the youngest trustee ever elected Emeritus Trustee.
She has been the past Chair of the Heritage Valley Partners (HVP), the 501c of the Lackawanna Heritage Valley Authority (LHVA). One area of focus for HVP/LHVA is the development and use of trails and greenways. Trails enhance the value of industrial and commercial sites for a variety of reasons, including attracting major companies, reducing health care costs and increasing productivity.
She has also served on the board for Scranton Chamber of Commerce, Geisinger CMC Advisory Council and the St. Joseph’s Foundation Board of Scranton.
Most recently, Ellen was a member of Glenmaura National Golf Club and she is a lifelong avid runner, having completed four marathons.
Securities Agent: GA, IA, VA, RI, MA, ME, SC, OR, MO, MD, WA, NH, FL, DE, WI, PA, NY, CA, AZ, NV, NJ, NC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282900
NMLS#: 1282900
About Karen B Natishan
As a licensed investment professional, Karen helps implement wealth
management and preservation strategies for corporate, non-profit and individual clients. She structures and oversees customized investment and insurance plans for individuals and is responsible for our corporate and non-profit retirement plan business.
Karen B. Natishan has been with Morgan Stanley since 1990. She is a founding
member of The Bush Natishan Group which has offices in Scranton and Wilkes
Barre serving the Wyoming Valley, NEPA, and clients across the nation.
Karen graduated Magna Cum Laude from Wilkes University where she earned her B.A. degree.
Karen is a graduate of Morgan Stanley's Consulting Group University and has
attended the Dorsey Wright and Associates Broker Institute.
She currently serves on the Foundation Board at Luzerne County Community
College and is a member of the college’s Executive/Finance committee. Karen
was previously a member of the Wyoming Valley Art League.
Karen has served the community as a board member of Wyoming Valley Habitat for Humanity and was past president of Fraternal Societies of Northeastern Pennsylvania. Karen is a member of Irem Temple Golf club and lives in the Back Mountain region of Pennsylvania.
management and preservation strategies for corporate, non-profit and individual clients. She structures and oversees customized investment and insurance plans for individuals and is responsible for our corporate and non-profit retirement plan business.
Karen B. Natishan has been with Morgan Stanley since 1990. She is a founding
member of The Bush Natishan Group which has offices in Scranton and Wilkes
Barre serving the Wyoming Valley, NEPA, and clients across the nation.
Karen graduated Magna Cum Laude from Wilkes University where she earned her B.A. degree.
Karen is a graduate of Morgan Stanley's Consulting Group University and has
attended the Dorsey Wright and Associates Broker Institute.
She currently serves on the Foundation Board at Luzerne County Community
College and is a member of the college’s Executive/Finance committee. Karen
was previously a member of the Wyoming Valley Art League.
Karen has served the community as a board member of Wyoming Valley Habitat for Humanity and was past president of Fraternal Societies of Northeastern Pennsylvania. Karen is a member of Irem Temple Golf club and lives in the Back Mountain region of Pennsylvania.
Securities Agent: GA, AZ, IA, OH, NJ, NC, MI, MD, DE, PA, IL, WA, VA, NV, CA, VT, TX, TN, MA, OR, LA, WI, SC, ME, NY, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1285348
NMLS#: 1285348
Contact Ellen Q Bush
Contact Karen B Natishan
Wealth Management
From Our Team
Are You Prepared for Retired Life?
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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
Ready to start a conversation? Contact The Bush Natishan Group today.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
15Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
15Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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:
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Awards Disclosures
CRC 6491812 (04/2024)
