Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(916) 341-7622(916) 341-7622
The Capitol Group at Morgan Stanley
Mike Little, CPWA®, QPFCKatie BeresThomas R. Goode, CIMA®, CRPS®, QPFCThomas J Goode, CIMA®, QPFC, CPWA®
Direct:
(916) 444-8041(916) 444-8041
Toll-Free:
(800) 626-7019(800) 626-7019
Our Mission Statement
We help individuals and families navigate complexity with clarity, combining thoughtful financial planning with personalized investment advice. Our approach is disciplined and forward thinking, rooted in genuine relationships and advice you can trust.
About Us
The Capitol Group at Morgan Stanley develops and actively maintains customized investment portfolios, financial, and retirement plans for individuals, families and businesses. Our personalized approach helps clients preserve and grow their wealth based on each client’s unique financial needs, personal aspirations and legacy.
We work for each client as if they were our own family members, and strive to build lasting, multi-generational relationships built on trust and superior client service. We have developed relationships that have lasted for decades and span generations. This experience allows us to guide you through every stage of life and family dynamic – from children and grandchildren to college students and aging parents.
Contact us today to see how we can help you achieve your goals.
We work for each client as if they were our own family members, and strive to build lasting, multi-generational relationships built on trust and superior client service. We have developed relationships that have lasted for decades and span generations. This experience allows us to guide you through every stage of life and family dynamic – from children and grandchildren to college students and aging parents.
Contact us today to see how we can help you achieve your goals.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Alternative InvestmentsFootnote3
- Cash Management and Lending ProductsFootnote4
- Corporate Retirement PlansFootnote5
- Donor Advised Funds
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Institutional ServicesFootnote8
- Philanthropic ManagementFootnote9
- Sustainable InvestingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Morgan Stanley Resources
At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape as well as resources to help you get started:
Financial Literacy for Any Stage of Your Life
It’s never too early or too late to start improving your financial literacy. A great first step is covering the basics. Financial literacy means being 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
Preparing for Retirement: A Simple Six-Step Checkup
Given recent market volatility, checking in on your retirement plan may make a lot of sense.
Check out this article for a wealth of knowledge on how to be in good standing for retirement through the ebbs and flows of the market.
Read MoreCheck out this article for a wealth of knowledge on how to be in good standing for retirement through the ebbs and flows of the market.
The GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest 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 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.
Check Out 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 the MSM
How to Handle Volatility
Markets have gotten much more volatile recently. Morgan Stanley experts have put together some tips to handle a volatile environment. Here’s why investors should keep their focus on the long game.
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Discovery Process
Investing the time to learn about you and your family and understanding key personal and financial circumstances and objectives.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, to analyze income and estate tax circumstances along with your current balance sheet to identify pertinent gaps and address your objectives.
Creation of a Customized Strategic Asset Allocation
Discuss potential planning and investment recommendations, reflecting risk, opportunities and taxation across various entities.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. We must analyze costs associated and potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis, strategies are chosen and implemented from our expansive investment platform.
Ongoing Assessment of Wealth Management Needs
Conduct regular review meetings with clients to ensure plan is up to date and adapts to changing financial and family needs.
Online Tools and Features Available to You
Morgan Stanley is committed to delivering client technology platforms that are resilient, secure, efficient, and intelligent. As part of our services, these capabilities are available to all clients. Explore each tool and feature to learn how it can help you more easily manage and protect your financial journey.
Morgan Stanley Online
In addition to checking your account balances and recent activity, Morgan Stanley Online (MSO) offers a range of features to help you manage day-to-day finances—such as paying bills, sending money, transferring funds, and authorizing transactions through eAuthorizations.
Learn More About MSO
Total Wealth View
Seeing the full financial picture can be difficult when key details are missing. As a Morgan Stanley client, you can conveniently view accounts held at other financial institutions through Morgan Stanley Online or the Morgan Stanley Mobile App, helping you build a more complete view of your overall finances.
Learn More About Total Wealth View
eDelivery
eDelivery provides clients with the ability to view statements and other Firm documents electronically instead of receiving them on paper. Clients who are registered with Morgan Stanley Online can enroll in eDelivery, which allows them to securely save, print, send, and receive documents at any time.
Enroll in eDelivery
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online
Learn More About Online Security
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from almost anywhere. Download the app to your mobile device and sign in using your Morgan Stanley Online username and password. Once logged in, you can take advantage of many Morgan Stanley Online resources while on the go.
Discover More With Our Mobile App
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin 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 More About Portfolio Risk Platform
Goals Planning System
As a Morgan Stanley client with a Goals Planning System (GPS) retirement plan, you can now access and view your plan’s status and progress on Morgan Stanley Online (MSO) and Morgan Stanley Mobile (MSM).
Learn More about GPS on Morgan Stanley Online
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Digital Vault
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About RL&GRESOURCES TO HELP YOU PREPARE
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of your planning. Below are several resources to help you get started. There are also the 2025 and 2026 federal tax tables.
2026 Retirement Contribution Limits
Planning for retirement is vital, understanding the limits for your retirement contributions empowers you to best prepare for retirement.
View 2026's Contribution Limits
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Access Tax Forms2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Required Minimum Distributions (RMDs)
Timing your retirement income? It's very important to think about timing your withdrawals. Given tougher regulatory, tax, and market conditions, you may want to consider taking your RMD sooner than later. The article below discusses ways to take money out of your retirement accounts.
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Uncover 6 Ways to Reduce Your Tax Bill
Examining your tax return may reveal opportunities to save money hidden between its lines. You may be surprised by what you find.
Learn More
Tax-Efficient Investing: Key Questions Investors Should Ask
Factoring the impact of taxes into your investment decisions can help you to keep more of your hard-earned money, both now and in the future.
Learn More
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Learn More
2025 Tax Tables
Please view the following attachment to find the 2025 federal tax tables.
2025 Tax Tables2026 Tax Tables
Please view the following attachment to find the 2026 federal tax tables.
2026 Tax TablesLocation
400 Capitol Mall
Suite 1900
Sacramento, CA 95814
US
Direct:
(916) 444-8041(916) 444-8041
Toll-Free:
(800) 626-7019(800) 626-7019
Fax:
(916) 984-3388(916) 984-3388
Meet The Capitol Group
Phone:
(916) 341-7616(916) 341-7616
Senior Vice President, Financial Advisor, Senior Institutional Consultant
Phone:
(916) 567-2033(916) 567-2033
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(916) 552-2705(916) 552-2705
Nimanjit Kaur
Registered Client Service Associate
Phone:
(916) 444-8041(916) 444-8041
Donna E. Goode
Senior Registered Client Service Associate
Phone:
(916) 567-2034(916) 567-2034
Heather Ringler
Client Service Associate
Phone:
916567203916567203
About Mike Little, CPWA®
Mike Little began his career in finance at Morgan Stanley as a financial advisor. He holds the titles of Senior Vice President, Portfolio Management Director, and Financial Planning Specialist. He also holds the Certified Private Wealth Advisor Designation. Mike works with a select clientele of high-net-worth families and individuals to develop a holistic plan that lays out a clear path to your goals – a plan developed in collaboration with you, and one that you can follow with confidence in the face of the markets’ ups and downs. A personalized approach is a key component of Mike’s practice, taking care of his clients as if they were his own family.
Prior to joining Morgan Stanley, Mike earned his Bachelors in Business Administration from Kaplan University. He is a proud United States Marine Corps veteran, having served in Iraq in 2003.
Outside of work, Mike is the Past commander of his local Veterans of Foreign Wars post in Vacaville, a veteran organization that raises money to take care of other veterans, family, and youth in need. He is active in his town’s rotary club as a past president and current board member. Mike is involved in his sons Boy Scout Troop, been on the School Site Council, volunteers to help veterans in his community, helps with Vacaville’s Hometown Hero’s Banner program, and is an active voice in his neighborhood and community. Mike is also a current board member of the Vacaville Police Foundation.
Family is very important to Mike. He has a wife of 19 years as well as three sons and one daughter. In his free time, Mike enjoys fishing, hunting, woodworking, and golf. He also enjoys collecting whiskey.
Prior to joining Morgan Stanley, Mike earned his Bachelors in Business Administration from Kaplan University. He is a proud United States Marine Corps veteran, having served in Iraq in 2003.
Outside of work, Mike is the Past commander of his local Veterans of Foreign Wars post in Vacaville, a veteran organization that raises money to take care of other veterans, family, and youth in need. He is active in his town’s rotary club as a past president and current board member. Mike is involved in his sons Boy Scout Troop, been on the School Site Council, volunteers to help veterans in his community, helps with Vacaville’s Hometown Hero’s Banner program, and is an active voice in his neighborhood and community. Mike is also a current board member of the Vacaville Police Foundation.
Family is very important to Mike. He has a wife of 19 years as well as three sons and one daughter. In his free time, Mike enjoys fishing, hunting, woodworking, and golf. He also enjoys collecting whiskey.
Securities Agent: OH, SD, TX, RI, ID, HI, MT, GA, DC, CA, AZ, TN, NV, NM, NC, IL, PA, NH, MA, VA, NY, AL, CO, WV, VT, MD, KS, UT, NJ, ME, FL, WA, SC, OR, OK, AR, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1312693
CA Insurance License #: 0I44830
NMLS#: 1312693
CA Insurance License #: 0I44830
About Katie Beres
Katie Catherine Beres is a Vice President, Financial Advisor at Morgan Stanley servicing clients in the greater Sacramento and Sierra Nevada Areas. With a strong and vibrant 30 year career in the dynamic world of banking and financial services, one would think Katie barely had time to focus on much beyond the ebb and flow of the market. But in reality what fuels Katie and provides joy and satisfaction has been her passion in working with retirees and business owners, helping them get financially organized and engaged in a process that will lead them towards wealth and a confident retirement.
“As a personal financial advisor, I am passionate about helping people take control of their finances so it is easy, seamless and fun. My clients appreciate that I take the time to explain everything. I have the compassion to help them achieve practical and successful money goals."
Katie is a graduate of Sacramento State University. Her early career started at Merchants National Bank in Baumholder, Germany. Having lived in Germany and working in a German bank handling currencies and establishing new accounts of all kinds gives her a unique background in financial services. She uses this experience along with her background at PaineWebber to guide her clients through the maze of investing and financial planning strategies available.
Aside from her career, Katie has a love for the outdoors and spending time with her husband, Tim, “up the hill” in Truckee. Being in the mountains has become a favorite pastime, as well as, Yoga, biking, snowmobiling, and watching motorcycle racing.
“As a personal financial advisor, I am passionate about helping people take control of their finances so it is easy, seamless and fun. My clients appreciate that I take the time to explain everything. I have the compassion to help them achieve practical and successful money goals."
Katie is a graduate of Sacramento State University. Her early career started at Merchants National Bank in Baumholder, Germany. Having lived in Germany and working in a German bank handling currencies and establishing new accounts of all kinds gives her a unique background in financial services. She uses this experience along with her background at PaineWebber to guide her clients through the maze of investing and financial planning strategies available.
Aside from her career, Katie has a love for the outdoors and spending time with her husband, Tim, “up the hill” in Truckee. Being in the mountains has become a favorite pastime, as well as, Yoga, biking, snowmobiling, and watching motorcycle racing.
Securities Agent: UT, NC, KS, CA, WV, SC, IL, VA, RI, GA, OH, NV, CO, AZ, TN, PA, NY, MT, VT, HI, AL, OK, MD, FL, DC, MA, WA, TX, OR, NH, ME, ID, MI, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1278783
CA Insurance License #: 0811506
NMLS#: 1278783
CA Insurance License #: 0811506
About Thomas R. Goode
Securities Agent: AL, WA, NH, HI, AZ, VA, TN, MT, SD, RI, OK, NV, ME, FL, UT, PA, OH, SC, NM, NC, DE, DC, ID, VT, KS, GA, WV, TX, OR, NY, MI, CA, MD, IN, IL, CO, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268456
NMLS#: 1268456
About Thomas J Goode
Tom Goode began his Wealth Management career in 2012 and quickly established himself as one of the area’s top young Financial Advisors. Tom works hand in hand with high net worth clients, business owners, and hard working families providing investment management services with a focus on tax efficiency, financial planning, risk mitigation, and alternatives. Furthermore, Mr. Goode provides comprehensive retirement plan services to companies and their employees.
Tom earned his Certified Investment Management Analyst® (CIMA®) designation and his Certified Private Wealth Advisor® (CPWA®) designation from the Yale School of Management and is one of less than one thousand financial professionals in the country who actively hold both designations. Prior to joining Morgan Stanley, Tom received a Bachelor’s degree in Economics and a Bachelor’s degree in International Relations from University of California, Davis. It was here that Tom gained his first experience in the Financial Services industry, winning one of just four available internships nationwide at Nuveen Investments in the summer of 2007. The only undergrad to be awarded an internship, Tom worked directly with senior management and attended daily portfolio management meetings for some of Nuveen’s top investment funds.
Tom is actively involved in the Sacramento community. He has served on various non profit boards and spent over 6 years volunteering as a Big Brother for Big Brothers Big Sisters of Greater Sacramento. Tom currently sits as a board member for the Arden Arcade Rotary, where his leadership of the Club’s annual fundraising has helped raise over $1 million for local charities. Tom is a bourbon and scotch aficionado, enjoys squeezing in a round of golf, and is an avid Kings fan despite their eternal struggles. Tom is married to his best friend Angela and they have two beautiful children together.
Tom earned his Certified Investment Management Analyst® (CIMA®) designation and his Certified Private Wealth Advisor® (CPWA®) designation from the Yale School of Management and is one of less than one thousand financial professionals in the country who actively hold both designations. Prior to joining Morgan Stanley, Tom received a Bachelor’s degree in Economics and a Bachelor’s degree in International Relations from University of California, Davis. It was here that Tom gained his first experience in the Financial Services industry, winning one of just four available internships nationwide at Nuveen Investments in the summer of 2007. The only undergrad to be awarded an internship, Tom worked directly with senior management and attended daily portfolio management meetings for some of Nuveen’s top investment funds.
Tom is actively involved in the Sacramento community. He has served on various non profit boards and spent over 6 years volunteering as a Big Brother for Big Brothers Big Sisters of Greater Sacramento. Tom currently sits as a board member for the Arden Arcade Rotary, where his leadership of the Club’s annual fundraising has helped raise over $1 million for local charities. Tom is a bourbon and scotch aficionado, enjoys squeezing in a round of golf, and is an avid Kings fan despite their eternal struggles. Tom is married to his best friend Angela and they have two beautiful children together.
Securities Agent: MT, CO, OK, TX, KS, GA, FL, CA, VT, HI, DC, AR, TN, RI, PA, OR, ME, MA, AL, UT, AZ, WV, SC, NC, MD, VA, NH, ID, IL, WA, OH, NY, NV, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1407638
CA Insurance License #: 0I21179
NMLS#: 1407638
CA Insurance License #: 0I21179
About Donna E. Goode
Donna E. Goode is a Senior Registered Client Service Associate with Morgan Stanley Wealth Management in Sacramento, California, providing exceptional day-to-day support to The Capitol Group and delivering a high-touch client experience. In this role, Donna helps cultivate and enhance client relationships, executes money movement transactions, accepts and enters unsolicited orders, answers general non-investment account questions, supports account onboarding and maintenance, and assists clients with Morgan Stanley digital tools such as MSOnline, eSign, and eAuthorization. She also provides critical administrative support by managing calendars and meeting logistics, coordinating follow-ups, and assisting with essential office functions to keep the practice running smoothly.
Prior to her current position, Donna served as a Consulting Group Analyst supporting institutional client relationships and delivering sophisticated reporting and analytics. With more than thirty-five years at Morgan Stanley Smith Barney LLC and its predecessor firms—progressing from administrative assistant to Consulting Group Analyst, Vice President —she distinguished herself as one of the firm’s most experienced and knowledgeable professionals. As a Consulting Group Analyst, Donna was responsible for portfolio reporting, including performance measurement and portfolio analytics, and for investment manager search and evaluation. In recognition of her contributions, she was named Western Division FC Analyst of the Year in 2004.
Ms. Goode holds the following Securities licenses:
Series 7 - General Securities Representative
Series 66 - Uniform State Exam/Investment Advisory Agent
Prior to her current position, Donna served as a Consulting Group Analyst supporting institutional client relationships and delivering sophisticated reporting and analytics. With more than thirty-five years at Morgan Stanley Smith Barney LLC and its predecessor firms—progressing from administrative assistant to Consulting Group Analyst, Vice President —she distinguished herself as one of the firm’s most experienced and knowledgeable professionals. As a Consulting Group Analyst, Donna was responsible for portfolio reporting, including performance measurement and portfolio analytics, and for investment manager search and evaluation. In recognition of her contributions, she was named Western Division FC Analyst of the Year in 2004.
Ms. Goode holds the following Securities licenses:
Series 7 - General Securities Representative
Series 66 - Uniform State Exam/Investment Advisory Agent
About Heather Ringler
Heather Ringler is an integral part of the Capitol Group at Morgan Stanley, in Sacramento, California. With 17 years of experience in retail banking and loan servicing, she brings a steady, client-first mindset and a calm, organized approach to every interaction.
Heather’s focus is making clients feel genuinely supported and cared for—she’s known for being responsive, approachable, and detail-oriented. She helps keep things moving smoothly by handling everyday account needs, guiding clients through onboarding and updates, and staying on top of follow-ups so nothing slips through the cracks. Just as important, she prioritizes building strong client relationships through a personal touch: listening closely, communicating clearly, and making sure each client feels recognized, understood, and confident in the experience.
Outside of work, Heather enjoys sewing, hot rod cars, and spending time outdoors. When she’s not working on a new sewing project, she can often be found at a car show, walking her dogs, or camping.
Heather’s focus is making clients feel genuinely supported and cared for—she’s known for being responsive, approachable, and detail-oriented. She helps keep things moving smoothly by handling everyday account needs, guiding clients through onboarding and updates, and staying on top of follow-ups so nothing slips through the cracks. Just as important, she prioritizes building strong client relationships through a personal touch: listening closely, communicating clearly, and making sure each client feels recognized, understood, and confident in the experience.
Outside of work, Heather enjoys sewing, hot rod cars, and spending time outdoors. When she’s not working on a new sewing project, she can often be found at a car show, walking her dogs, or camping.
Contact Mike Little, CPWA®
Contact Katie Beres
Contact Thomas R. Goode
Contact Thomas J Goode
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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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Family
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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529 Plans: A Powerful Tool to Save for Education
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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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 Capitol Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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 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.
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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.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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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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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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 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.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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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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.
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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
