Douglas Bott, CRPS®
Senior Vice President, Financial Advisor, CHARTERED RETIREMENT PLANS SPECIALIST, Corporate Retirement Director
Phone:
(209) 476-2881(209) 476-2881
The Bott Group at Morgan Stanley
Direct:
(209) 478-2230(209) 478-2230
Toll-Free:
(800) 745-2230(800) 745-2230
Our Mission Statement
We help professionals, business owners and their families with financial guidance and personalized service.
Welcome
The only constant in life is change. We face change every day and it is often unpredictable. Our job as financial advisors is to prepare for this and put you in the best position to adapt and help you meet your financial goals in spite of the unpredictable.
Our process involves getting to know what you value most, understanding your goals and creating an investment strategy where you assume no more risk than necessary.
We work with a wide range of clients that include high net worth families, business owners and working professionals, and deliver a comprehensive wealth management approach that, of course, includes investment management but also estate planning strategies, lending solutions, philanthropy and everything else that encompasses your financial wellbeing.
Our process involves getting to know what you value most, understanding your goals and creating an investment strategy where you assume no more risk than necessary.
We work with a wide range of clients that include high net worth families, business owners and working professionals, and deliver a comprehensive wealth management approach that, of course, includes investment management but also estate planning strategies, lending solutions, philanthropy and everything else that encompasses your financial wellbeing.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Category of One
Why Us?
Here at the Bott Group we regard each of our clients financial objectives, past and present in order to formulate a comprehensive and personalized approach to your finances. We are no stranger to complex financial situations.
Our Process
We also 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. We are in a category of one.
Here at the Bott Group we regard each of our clients financial objectives, past and present in order to formulate a comprehensive and personalized approach to your finances. We are no stranger to complex financial situations.
Our Process
We also 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. We are in a category of one.
TRUST and EXPERIENCE
Trusting someone with your financial future is not easy, and we don’t take it lightly. We have spent our careers studying financial markets, financial planning, individual retirement needs and the demands of business owners so that our clients are confident with their finances.
Step 1: Set your Financial Objectives
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
- Help you develop an investment strategy
- Strategy is based on your:
- Specific Goals
- Time horizon
- Tolerance for risk
- Appetite for market volatility
OBJECTIVE and PERSONALIZED SOLUTIONS
While planning for retirement is a common goal, the approach we take for each individual client is never the same. We listen first to understand your goals and values, and then we help formulate a plan tailored specifically to your needs.
Step 2: Define an Investment Strategy
- Asset allocation recommendation
- Model and portfolio construction
- Part of a diversified investment strategy
- Model and portfolio construction
- Part of a diversified investment strategy
INSTITUTIONAL ACCESS
As your assets grow over time, it becomes increasingly difficult to know not only what to invest in but how to do it. By leveraging the resources of Morgan Stanley, we’re able to find you the appropriate investments at a fair cost.
Step 3: Evaluate and Select Investments
- Implementation of asset allocation strategy
- Investment selection based on your best interests
- Investment selection based on your best interests
TIME: YOUR MOST VALUABLE ASSET
After a successful career of working and saving to achieve your retirement goals, the last thing you want to do is spend your time researching and trading investments. Let us do the hard work so you can enjoy your best years.
Step 4: Ongoing Review Process
- Assessment of your investment performance
- Make appropriate adjustments
- Adapt strategy to changes in your personal and professional life
- Make appropriate adjustments
- Adapt strategy to changes in your personal and professional life
Modern Wealth Digital Tools
Morgan Stanley boasts an array of straightforward digital resources right at your fingertips. Whether it is to access your accounts at a moment's notice, safeguard your assets effectively, and many more.
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Welcome to the Modern Wealth Tool Digital Suite
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Welcome to the Modern Wealth Tool Digital Suite
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get started today
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
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.
Learn About our Planning ToolsWe Offer Comprehensive Solutions
We help working professionals, retirees, and business owners manage their financial life, no matter the complexity of the specific situation.
Insurance Services
- Permanent Life
- Term Life
- Long-Term Care
- Disability
- Term Life
- Long-Term Care
- Disability
Investment Advice
- Thought Leadership
- Asset Allocation
- Portfolio Construction
- Investment Manager Selection
- Asset Allocation
- Portfolio Construction
- Investment Manager Selection
Trust, Estate & Legacy Planning
- Wealth Transfer Strategies
- Trust, Estate and Legacy Planning Strategies
- Trust and Estate Professionals
Click here for more info:- Trust, Estate and Legacy Planning Strategies
- Trust and Estate Professionals
Investment Solutions
- Advisory
- Brokerage
- Traditional Products
- Alternatives
- Annuities
- Investing with Impact
- Brokerage
- Traditional Products
- Alternatives
- Annuities
- Investing with Impact
Philanthropy Services
- Charitable Lead Trusts
- Charitable Reminder Trusts
- Family Foundations
- Donor-Advised Funds
- Charitable Reminder Trusts
- Family Foundations
- Donor-Advised Funds
Digital Offerings
- Morgan Stanley Online
- Morgan Stanley Mobile App
- eDelivery
- Bill Pay
- Transfers
- Mobile Check Deposit Authorizations
-Morgan Stanley Send Money with Zelle®
To learn more and to log in to MSO, click here:- Morgan Stanley Mobile App
- eDelivery
- Bill Pay
- Transfers
- Mobile Check Deposit Authorizations
-Morgan Stanley Send Money with Zelle®
Media and Research
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. The Bott Group is a firm believer of giving their clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
2025 Income Tax Tables
If you are interested in seeing the updated income tax tables and other details for 2025, see all additional information here.
See the Latest Tax Tables
All Your Assets In One Place
Instead of managing multiple financial accounts across different firms, you can use Morgan Stanley's Wealth Management Tool to link your external accounts through Morgan Stanley Online (MSO). This allows you to see your entire wealth picture all in one place and helps ensure your complete financial picture is considered when assessing and implementing a strategy for your account with us.
Learn More
Financial Literacy for Any Stage of Your Life
Financial literacy means bring equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Learn More
Planning to Fund Long-Term Care Expenses
Health care costs are rising—especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
Learn More
The Next Generation Journey Placemat
Generational Wealth can be complicated for next generation members of wealth families. This Journey Placemat offers fruitful content including the next generation into the conversation of navigating legacy
Read More
Global Investment Committee On the Markets
A weekly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Read the Latest Weekly Report
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.
Listen to the Latest Episode
The Morgan Stanley Minute
Explore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
Watch Here
Wealth Management Insight Audiocasts
Wealth Management Insights brings you the latest investment advice from thought leaders within Wealth Management Investment Resources (WMIR). They provide their latest thinking on various market topics in 3-5 minute audiocasts.
Listen Here
On the Market Research Report
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest ReportDetailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Location
3421 Brookside Road
Suite A
Stockton, CA 95219
US
Direct:
(209) 478-2230(209) 478-2230
Toll-Free:
(800) 745-2230(800) 745-2230
Meet The Bott Group
Anthony C Bott, CFP®
First Vice President, Wealth Management, Financial Advisor, Branch Manager
Phone:
(209) 476-2885(209) 476-2885
Debora Kenyon
Portfolio Associate
Phone:
(209) 476-2830(209) 476-2830
Trisha Wilson
Client Service Associate
Phone:
(209) 476-2831(209) 476-2831
About Douglas Bott
Doug Bott spent the first half of his career managing a family business, balancing the needs of employees and customers. For the last nearly 23 years, he has worked with retirees and business owners, in creating strategies for business and personal financial goals, while simultaneously managing his practice.
Mr. Bott focuses on helping retirees, small and medium-sized business owners and their employees handle the complicated tasks involved in planning for their own financial goals by helping to develop succession plans for owners, establishing qualified retirement plans and strategies for attracting and retaining employees.
A Stockton native, he’s an Eagle Scout who graduated with honors from Edison High, where he lettered in basketball, was the Student Body Vice President and the school’s representative to California Boys’ State. He then graduated from the University of San Francisco and has lived in Stockton since, where he is active in local organizations and charities.
Mr. Bott was the president of the board of directors of the YMCA of San Joaquin County, served as the Nation Chief of Y-Indian Guides and Princesses and has coached numerous baseball, basketball and softball teams. He and his wife, Becky, have three children, all of whom work in finance. In his spare time, Doug likes to fish, ski, hike and spend time with his family.
Mr. Bott focuses on helping retirees, small and medium-sized business owners and their employees handle the complicated tasks involved in planning for their own financial goals by helping to develop succession plans for owners, establishing qualified retirement plans and strategies for attracting and retaining employees.
A Stockton native, he’s an Eagle Scout who graduated with honors from Edison High, where he lettered in basketball, was the Student Body Vice President and the school’s representative to California Boys’ State. He then graduated from the University of San Francisco and has lived in Stockton since, where he is active in local organizations and charities.
Mr. Bott was the president of the board of directors of the YMCA of San Joaquin County, served as the Nation Chief of Y-Indian Guides and Princesses and has coached numerous baseball, basketball and softball teams. He and his wife, Becky, have three children, all of whom work in finance. In his spare time, Doug likes to fish, ski, hike and spend time with his family.
Securities Agent: DC, TX, NM, MD, LA, CO, UT, OR, HI, GA, AZ, MI, VA, SC, OK, FL, OH, IL, MA, ID, AL, WI, VT, RI, NC, KS, WA, MT, NV, ND, CA, SD, PA, NY, MO, IN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 308385
NMLS#: 308385
About Anthony C Bott
Anthony Bott is a financial advisor, branch manager of Morgan Stanley's Stockton, CA office, First Vice President and CERTIFIED FINANCIAL PLANNER™. Mr. Bott graduated from California State University, Fullerton with a Bachelor of Arts Degree in Economics and started his career in financial services early while finishing college. He and his team work tirelessly to help clients achieve their financial goals. Whether it be high net worth families, retirees, business owners or institutions, the California Delta Group has the experience to get you on the right path.
Since returning to his hometown Stockton in 2018, he’s been active in the community regularly speaking at local high schools and universities to promote financial literacy, a topic he's passionate about. He serves as board member and secretary of the St. Joseph’s Foundation of San Joaquin, a Dignity Health Member, where he promotes access to affordable, quality healthcare within the economically challenged inner-city community of Stockton. He also supports the arts and preservation of San Joaquin Valley's history by serving on the board of the Haggin Museum in Stockton. Mr. Bott and his wife Yoly have two children, Lucca and Camila, and a hyperactive Border Collie, Jax.
Since returning to his hometown Stockton in 2018, he’s been active in the community regularly speaking at local high schools and universities to promote financial literacy, a topic he's passionate about. He serves as board member and secretary of the St. Joseph’s Foundation of San Joaquin, a Dignity Health Member, where he promotes access to affordable, quality healthcare within the economically challenged inner-city community of Stockton. He also supports the arts and preservation of San Joaquin Valley's history by serving on the board of the Haggin Museum in Stockton. Mr. Bott and his wife Yoly have two children, Lucca and Camila, and a hyperactive Border Collie, Jax.
Securities Agent: OH, VI, WV, TN, PR, NC, DC, HI, MA, MN, WY, WI, WA, VT, VA, UT, TX, SD, SC, RI, PA, OR, OK, NY, NV, NM, NJ, NH, NE, ND, MT, MS, MO, MI, ME, MD, LA, KY, KS, IN, IL, ID, IA, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1760553
NMLS#: 1760553
About Debora Kenyon
Debbie Kenyon joined Morgan Stanley in 1999 and has been a Portfolio Associate in the Stockton branch since 2007. Debbie holds Associate degrees from Lane Community College, has been married for over 25 years, and in her spare time enjoys trips to the beach and spending quality time with her family.
Debbie is Series 7, 63, 66, and insurance licensed.
Email: Debora.Kenyon@morganstanley.com
Phone: (209) 476-2830
Debbie is Series 7, 63, 66, and insurance licensed.
Email: Debora.Kenyon@morganstanley.com
Phone: (209) 476-2830
About Trisha Wilson
Trisha Wilson is a Client Service Associate in the Stockton branch. She worked as an Operations Associate for over 20 years in San Jose, CA. In 2023, she progressed her career as a client service associate here at Morgan Stanley.
She resides in Manteca, CA with her husband and two daughters and she enjoys spending time and traveling with her friends and family.
Email: Trisha.Wilson@morganstanley.com
Phone: 209-476-2831
She resides in Manteca, CA with her husband and two daughters and she enjoys spending time and traveling with her friends and family.
Email: Trisha.Wilson@morganstanley.com
Phone: 209-476-2831
Contact Douglas Bott
Contact Anthony C Bott
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
The Robots are Coming
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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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Bott Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When 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.
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.
3Alternative 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.
4Morgan 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.
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.
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Morgan 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.
9When 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.
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
1When 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.
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.
3Alternative 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.
4Morgan 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.
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.
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Morgan 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.
9When 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.
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Awards Disclosures
CRC 6491812 (04/2024)
