Matthew A Calabretta
Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(717) 852-4127(717) 852-4127
The Calabretta Group at Morgan Stanley
Direct:
(717) 852-4127(717) 852-4127
Our Mission Statement
Providing tailored financial solutions to help simplify your life
Financial Strategies for Life
As your wealth grows, so do the complexities and resources needed to manage it. As a team of seasoned professionals, we work with individuals, families and business leaders who value our depth of knowledge and experience in providing comprehensive investment strategies designed to help achieve their most important goals.
At The Calabretta Group, we are committed to providing objective, high-quality advice and services to help simplify your life, while adding meaningful value for you and your family. We seek to accomplish this through building trust and developing strategies to help protect and grow your family’s wealth for generations.
We believe thoughtful financial planning means more than providing investment advice. It means helping you strengthen the financial independence you've worked your whole life to achieve. It means striving to ensure you have the means to pursue what's most important to you and your family. And it means understanding you and your family as individuals with unique goals, values and circumstances so we may develop effective strategies on your behalf.
As our relationship grows, we are confident you will come to regard us as dedicated stewards, here to help you make more informed decisions on any financial issue you face. We are committed to helping you preserve and build your investment portfolio and will work to help strengthen your family’s financial security now and for generations to come.
Contact us today to discuss your Financial and Retirement Planning.
At The Calabretta Group, we are committed to providing objective, high-quality advice and services to help simplify your life, while adding meaningful value for you and your family. We seek to accomplish this through building trust and developing strategies to help protect and grow your family’s wealth for generations.
We believe thoughtful financial planning means more than providing investment advice. It means helping you strengthen the financial independence you've worked your whole life to achieve. It means striving to ensure you have the means to pursue what's most important to you and your family. And it means understanding you and your family as individuals with unique goals, values and circumstances so we may develop effective strategies on your behalf.
As our relationship grows, we are confident you will come to regard us as dedicated stewards, here to help you make more informed decisions on any financial issue you face. We are committed to helping you preserve and build your investment portfolio and will work to help strengthen your family’s financial security now and for generations to come.
Contact us today to discuss your Financial and Retirement Planning.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Wealth PlanningFootnote3
- Financial PlanningFootnote4
- Estate Planning StrategiesFootnote5
- 529 PlansFootnote6
- Fixed IncomeFootnote7
- AnnuitiesFootnote8
- Cash ManagementFootnote9
- Lending Products
- Life InsuranceFootnote10
- Trust Services*
- Sustainable InvestingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Everything we do is focused on our valued clients. Our practice is built on the development of deep and enduring relationships and the delivery of personalized financial planning services to individuals and families whose primary goals include:
✔ Developing a comprehensive financial plan
✔ Diversifying their investment portfolio
✔ Adhering to a long-term strategic asset allocation
✔ Replacing discipline for emotion in the investment process
✔ Seeking to preserve assets in down markets
✔ Managing taxes and investment fees
✔ Adjusting holdings in response to evolving life circumstances
✔ Avoiding conflicts of interest
Our clients include:
• Retirees and individuals planning for retirement
• Multi-generational families, including parents, children and grandchildren
• Corporate executives
• Business owners and entrepreneurs
While each client has unique personal and professional circumstances, they all have one thing in common: They are focused on achieving very specific financial goals, so they can secure their family’s financial future and pursue their personal passions.
✔ Developing a comprehensive financial plan
✔ Diversifying their investment portfolio
✔ Adhering to a long-term strategic asset allocation
✔ Replacing discipline for emotion in the investment process
✔ Seeking to preserve assets in down markets
✔ Managing taxes and investment fees
✔ Adjusting holdings in response to evolving life circumstances
✔ Avoiding conflicts of interest
Our clients include:
• Retirees and individuals planning for retirement
• Multi-generational families, including parents, children and grandchildren
• Corporate executives
• Business owners and entrepreneurs
While each client has unique personal and professional circumstances, they all have one thing in common: They are focused on achieving very specific financial goals, so they can secure their family’s financial future and pursue their personal passions.
Our wealth management process is built on an understanding of your short- and long-term goals. In our initial conversation, we won’t focus on asset allocation strategies or investment options. Instead, we’ll talk about your family and personal aspirations. We’ll learn about the hopes and dreams you have for your children and the legacy you would like to leave them, as well as the other causes you care about most.
At The Calabretta Group, we utilize a Goals-Based Process that helps us design and implement appropriate strategies to help achieve and maintain financial success, while answering core questions above.
These questions serve as the foundation of our comprehensive approach to managing your wealth. Our process provides the context to develop highly customized strategies so we may help you achieve your financial priorities:
1) We look at critical factors, including your life stage, savings, asset and income needs, and the current market environment.
2) We determine where you are and where you want to go. We then perform a gap analysis to gain a greater understanding of what it will take to reach your goals, given your time horizon, projected costs and how much risk you are willing to take.
3) We prepare and present a tailored financial plan with specific strategies designed to help achieve your particular goals.
4) Upon your approval, we set into motion a course of action to align your values with your vision.
5) We oversee the progress towards your goals through a series of regular meetings and phone calls, as well as our commitment to ongoing communication and education through emails, articles and seminars. Over time, we will modify your plan as changes in your life occur.
At The Calabretta Group, we utilize a Goals-Based Process that helps us design and implement appropriate strategies to help achieve and maintain financial success, while answering core questions above.
These questions serve as the foundation of our comprehensive approach to managing your wealth. Our process provides the context to develop highly customized strategies so we may help you achieve your financial priorities:
1) We look at critical factors, including your life stage, savings, asset and income needs, and the current market environment.
2) We determine where you are and where you want to go. We then perform a gap analysis to gain a greater understanding of what it will take to reach your goals, given your time horizon, projected costs and how much risk you are willing to take.
3) We prepare and present a tailored financial plan with specific strategies designed to help achieve your particular goals.
4) Upon your approval, we set into motion a course of action to align your values with your vision.
5) We oversee the progress towards your goals through a series of regular meetings and phone calls, as well as our commitment to ongoing communication and education through emails, articles and seminars. Over time, we will modify your plan as changes in your life occur.
Our commitment to our clients and their success is the cornerstone of our practice. We come to work every day engaged in making a difference in their lives. To that end, we are focused on the following core values that underscore our focus on delivering an exceptional client experience:
• Every decision we make will be focused on doing the right thing for you. We simplify your financial life, offering the appropriate strategies for your consideration with unbiased, objective advice.
• We provide comprehensive strategies designed to help meet all of your financial needs and strive to be a dedicated resource for any financial or life decision.
• Believing you are entitled to exemplary advice, we have assembled a group of highly skilled professionals whose number one priority is you. To gain the precise knowledge needed to effectively manage all aspects of your wealth, we work in tandem with your accountant, attorney and other dedicated advisors.
• We focus on building deep and longstanding relationships, based on transparency and integrity. We do this by working with a select group of individuals and families. This enables us to dedicate the time, attention and personalized service each deserves.
• Your satisfaction is our priority. When it comes to service, we seek to go above and beyond. No matter how simple or how complex your needs, we are always here to help.
• Every decision we make will be focused on doing the right thing for you. We simplify your financial life, offering the appropriate strategies for your consideration with unbiased, objective advice.
• We provide comprehensive strategies designed to help meet all of your financial needs and strive to be a dedicated resource for any financial or life decision.
• Believing you are entitled to exemplary advice, we have assembled a group of highly skilled professionals whose number one priority is you. To gain the precise knowledge needed to effectively manage all aspects of your wealth, we work in tandem with your accountant, attorney and other dedicated advisors.
• We focus on building deep and longstanding relationships, based on transparency and integrity. We do this by working with a select group of individuals and families. This enables us to dedicate the time, attention and personalized service each deserves.
• Your satisfaction is our priority. When it comes to service, we seek to go above and beyond. No matter how simple or how complex your needs, we are always here to help.
Honors and Publications
For his experience and ongoing commitment to his clients, community and industry, Matthew Calabretta has been recognized by a number of local and national publications
Matthew A. Calabretta Named to On Wall Street Magazine's Top 40 Under 40 Financial Advisors
Matthew A. Calabretta Named to President's Club at Morgan Stanley Wealth Management
Forbes - April 2025 - Named to America's Best-In-State Wealth Advisors List
Forbes – January 2025 - Named to America's Best-In-State Wealth Management Teams List
Forbes - April 2024 - Named to America's Best-In-State Wealth Advisors List
Forbes - January 2024 - Named to America's Best-In-State Wealth Management Teams List
Forbes – April 2023 – Named to America’s Best-In-State Wealth Advisors List
Forbes – April 2022 – Named to America’s Best-In-State Wealth Advisors List
Forbes – February 2021 – Named to America’s Best-In-State Wealth Advisors List
Forbes – January 2020 – Named to America’s Best-In-State Wealth Advisors List
Forbes - February 2019 - Named to America's Best-In-State Wealth Advisors List
Forbes - February 2018 - Named to America's Best-In-State Wealth Advisors List
Forbes - October 2013 - The Calabretta Group honored as one of the nation's Leading Financial Advisors
2018-2025 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Location
221 W Philadelphia St
Ste 301
York, PA 17401
US
Direct:
(717) 852-4127(717) 852-4127
Fax:
(717) 852-4101(717) 852-4101
Meet The Calabretta Group
Rebecca A. Gebhart
Wealth Management Associate
Phone:
(717) 852-4127(717) 852-4127
Noah T. Caler
Registered Client Service Associate
Phone:
(717) 852-4122(717) 852-4122
About Matthew A Calabretta
Matthew A. Calabretta
Managing Director
Financial Advisor
A seasoned professional for over 22 years, Matt is dedicated to providing highly customized advice to individuals and families in York County, the surrounding areas and across the country. He guides retirees and those planning for retirement, executives, business owners and entrepreneurs through a personalized approach that includes a thorough planning process and a commitment to outstanding service. To Matt, the cornerstone of comprehensive wealth management begins with a solid financial plan focused on achieving each client’s unique goals.
A graduate of Penn State University, Matt continued his studies, earning his M.B.A. in Finance from York College of Pennsylvania. Upon graduation, he joined Morgan Stanley as a Financial Advisor and has been a vital member of the firm ever since. Throughout his career, Matt has remained committed to advanced learning, attaining such certifications as Senior Investment Management Specialist and Financial Planning Specialist.
For his dedication to excellence, Matt has received numerous distinctions and professional accolades. In 2013, Forbes Magazine highlighted The Calabretta Group as a financial leader in Pennsylvania. Forbes Magazine also named Matt as one of America’s Best-In-State Wealth Advisors 2018-2024.
Matt’s passion for helping clients achieve their goals is equaled only by his dedication to his family, community and alma mater. He and his wife, Tonia, and daughter, Mya, live in York, where Matt was raised. He is an active member in The Rotary Club of York and serves on several committees. An alumnus of Penn State and former NCAA Division I wrestler, Matt continues to support the Penn State Wrestling Program and is a past member of the Penn State York Advisory Board. In his free time, Matt enjoys an active life of triathlon, skiing, golf and traveling with his family.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Managing Director
Financial Advisor
A seasoned professional for over 22 years, Matt is dedicated to providing highly customized advice to individuals and families in York County, the surrounding areas and across the country. He guides retirees and those planning for retirement, executives, business owners and entrepreneurs through a personalized approach that includes a thorough planning process and a commitment to outstanding service. To Matt, the cornerstone of comprehensive wealth management begins with a solid financial plan focused on achieving each client’s unique goals.
A graduate of Penn State University, Matt continued his studies, earning his M.B.A. in Finance from York College of Pennsylvania. Upon graduation, he joined Morgan Stanley as a Financial Advisor and has been a vital member of the firm ever since. Throughout his career, Matt has remained committed to advanced learning, attaining such certifications as Senior Investment Management Specialist and Financial Planning Specialist.
For his dedication to excellence, Matt has received numerous distinctions and professional accolades. In 2013, Forbes Magazine highlighted The Calabretta Group as a financial leader in Pennsylvania. Forbes Magazine also named Matt as one of America’s Best-In-State Wealth Advisors 2018-2024.
Matt’s passion for helping clients achieve their goals is equaled only by his dedication to his family, community and alma mater. He and his wife, Tonia, and daughter, Mya, live in York, where Matt was raised. He is an active member in The Rotary Club of York and serves on several committees. An alumnus of Penn State and former NCAA Division I wrestler, Matt continues to support the Penn State Wrestling Program and is a past member of the Penn State York Advisory Board. In his free time, Matt enjoys an active life of triathlon, skiing, golf and traveling with his family.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WA, FL, KY, AR, TN, CO, MA, CA, RI, NM, MI, OK, NC, SC, NY, IL, AZ, NJ, NE, WV, TX, MO, VA, PA, MD, LA, GA, DE, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1674810
NMLS#: 1674810
About Rebecca A. Gebhart
Rebecca A. Gebhart
Portfolio Associate
Financial Planning Associate
As a Portfolio Associate and Financial Planning Associate, Becky is often the first line of contact on a broad range of client services. Highly adept at addressing questions quickly and efficiently, Becky is committed to providing each client with caring and personalized attention. She has been an integral member of The Calabretta Group since joining the team in 2000.
Becky's many responsibilities include coordinating The Calabretta Group's day-to-day operations, implementing business management systems to increase client service quality, addressing client service and administrative issues, and providing website and online application support. She is focused on anticipating the changes and challenges of managing wealth, so she is prepared to assist clients effectively as new circumstances arise.
Becky graduated from York College of Pennsylvania with a Bachelor's degree in Business Management and Administration. She currently lives in East Berlin with her husband, Derek, and their son, Ryan. In her free time, she enjoys volunteering at Ryan's school and participating in his extracurricular activities. Becky is a team member and active fundraiser for the American Cancer Society's Relay for Life.
Portfolio Associate
Financial Planning Associate
As a Portfolio Associate and Financial Planning Associate, Becky is often the first line of contact on a broad range of client services. Highly adept at addressing questions quickly and efficiently, Becky is committed to providing each client with caring and personalized attention. She has been an integral member of The Calabretta Group since joining the team in 2000.
Becky's many responsibilities include coordinating The Calabretta Group's day-to-day operations, implementing business management systems to increase client service quality, addressing client service and administrative issues, and providing website and online application support. She is focused on anticipating the changes and challenges of managing wealth, so she is prepared to assist clients effectively as new circumstances arise.
Becky graduated from York College of Pennsylvania with a Bachelor's degree in Business Management and Administration. She currently lives in East Berlin with her husband, Derek, and their son, Ryan. In her free time, she enjoys volunteering at Ryan's school and participating in his extracurricular activities. Becky is a team member and active fundraiser for the American Cancer Society's Relay for Life.
About Noah T. Caler
Noah T. Caler
Client Service Associate
With over 10 years of experience in customer service, Noah serves as a Client Service Associate with The Calabretta Group. In his role, Noah assists clients with all account servicing needs, including client queries, requests, and documentation. He takes pride in delivering an exemplary client experience and approaches all challenges with confidence and determination. Noah’s positive and professional attitude reinforces the emphasis that The Calabretta Group places on their valued client relationships.
Noah is a graduate of The Pennsylvania College of Technology with an Associate Degree in Business Management. Originally from Hanover, Noah currently lives in Spring Grove. In his free time, Noah and his girlfriend Alexis enjoy spending time with friends and family, watching movies, and playing with their dog, Piper. Noah’s personal hobbies include gaming and tending to his two freshwater aquariums.
Client Service Associate
With over 10 years of experience in customer service, Noah serves as a Client Service Associate with The Calabretta Group. In his role, Noah assists clients with all account servicing needs, including client queries, requests, and documentation. He takes pride in delivering an exemplary client experience and approaches all challenges with confidence and determination. Noah’s positive and professional attitude reinforces the emphasis that The Calabretta Group places on their valued client relationships.
Noah is a graduate of The Pennsylvania College of Technology with an Associate Degree in Business Management. Originally from Hanover, Noah currently lives in Spring Grove. In his free time, Noah and his girlfriend Alexis enjoy spending time with friends and family, watching movies, and playing with their dog, Piper. Noah’s personal hobbies include gaming and tending to his two freshwater aquariums.
Contact Matthew A Calabretta
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Tony Gist
Private Banker
About Tony Gist
Tony Gist is a Private Banker and Vice President serving Morgan Stanley Wealth Management offices in Pennsylvania.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
Wealth Management
From Our Team
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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
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Long Term Care Insurance
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Calabretta Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
Morgan 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.
4Morgan 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.
5Morgan 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.
6Investors 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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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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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
Morgan 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.
4Morgan 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.
5Morgan 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.
6Investors 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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Awards Disclosures
CRC 6491812 (04/2024)
