Joseph Carter, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(321) 751-2049(321) 751-2049
The Carter Hester Group at Morgan Stanley
Direct:
(321) 751-2064(321) 751-2064
Toll-Free:
(800) 949-2401(800) 949-2401
Our Mission Statement
Drawing from decades of collective experience, fused with contemporary insight and the intellectual resources of a world class institution. We provide personalized financial services to a select group of clients. Our mission is to guide them as they navigate their financial journey to achieve their goals and avoid common and costly financial mistakes.
Welcome
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs. Whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business Succession PlanningFootnote4
- Corporate Retirement PlansFootnote5
- Corporate Trust Services
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Fixed IncomeFootnote9
- Lending Products
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Municipal BondsFootnote12
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote13
- Structured ProductsFootnote14
- Trust AccountsFootnote15
- Wealth Consulting
- Wealth ManagementFootnote16
- Qualified Retirement PlansFootnote17
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
While every client is different, we follow a general process to ensure that we address the most essential client needs and can make recommendations that are in their best interest.
Develop an understanding
Investing the time to understand your unique circumstances to identify, develop, and prioritize your financial goals.
“Plot” your starting point
Identify your current trajectory to identify and address weaknesses, and strengths.
Creating of a plan
Working with you we will develop a plan that improves upon your current trajectory in a way that works for you. We will craft a tailored Investing strategy and asset allocation designed to balance your short and long-term goals, protect you from the many different forms of risk and optimize your outcomes.
Formulation of Tax, Trust, and Estate Strategy
Working with your tax and legal advisors, we will help to analyze your tax and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Put the plan into action
We implement your plan utilizing strategies that will adjust for the unknowns the future brings. Working with your tax and legal advisors, we will help to analyze your tax and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Monitor and continuous refinement
We will provide timely updates and monitor your performance. At the end of the day most people want to know that they are on track, so as we review your plans we will maintain that focus so that you can know that you are on track, and if you are not, help you identify how to get back on track.
Forbes Magazine’s Best-In-State Wealth Advisors
Tim Hester & Joe Carter named Forbes Best-In- State Wealth Advisors (2019, 2021, 2022, 2023, 2024)
Source: Forbes.com (2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Source: Forbes.com (2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Best-In-State Wealth Management Teams
Recognized by Forbes magazine’s 2024 ranking of Best-In-State Wealth management teams
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure.html)
CERTIFIED FINANCIAL PLANNER™
For 50 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first
Chartered Retirement Plans Specialist (CRPS)
The Chartered Retirement Plans Specialist (CRPS) is a professional designation awarded by the college of Financial Planning (CFFP) to individuals who specialize in creating and managing retirement plans for businesses and groups. The CRPS® program addresses topics such as the types and characteristics of retirement plans, IRAs, SEP, SIMPLE, 401(k), and defined benefit plans. It also includes coursework that covers non-profit and government plans, qualified and IRA distributions, plan design, installation, and administration, and fiduciary issues.
Certified Divorce Financial Analyst (CDFA)
A CDFA™ is trained to provide financial advice on divorce cases and to educate clients on the financial implications of different divorce settlement proposals. The CDFA designation is sponsored by the Institute for Divorce Financial Analysis.
Certification requires successful completion of exams in the course of study, continuing education in the field and commitment to uphold the Institute’s Code of Ethics and Professional Responsibility.
Certification requires successful completion of exams in the course of study, continuing education in the field and commitment to uphold the Institute’s Code of Ethics and Professional Responsibility.
Certified Private Wealth Advisor
Investments & Wealth Institute® (the Institute) is the owner of the certification marks “CPWA,” and “Certified Private Wealth Advisor.” Use of CPWA, and Certified Private Wealth Advisor signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for wealth advisors.
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be the highest level of advanced investment education for client-facing advisors.
Chartered Advisor in Philanthropy® (CAP®)
The Chartered Advisor in Philanthropy® (CAP®) designation provides full time philanthropists, coordinators, and wealth advisors with a common body of knowledge and a shared credential, enabling them to collaborate effectively with clients on legacy planning.
Tax Efficient Strategies
Discover strategic tax efficient planning solutions tailored to your financial goals. Our personalized approach to minimize tax liabilities with a focus on long term growth empowers you to make the most of your earnings.
How to Access Your Tax Forms
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
Click Here to Log In to Morgan Stanley Online1. 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
5 Steps that May Reduce Taxes on Your Income and Portfolio
Minimizing tax liabilities in your portfolio can play a key role in helping you build wealth over the long run.
Click to see here
Your Guide to Tax-Efficient Planning
Consider these smart tax strategies for your financial plan.
Click to Read More
Want to Keep More of Your Investment Returns? Consider These Tax Moves
Establishing a tax management strategy for your investments may help you keep more of your returns.
Click to Learn MoreEstates, Trusts, and Business Sales
Preparing for the transition and sale of a business requires planning across many financial disciplines. Working closely with clients early in this process helps them consider all aspects of the transaction to optimize the economic opportunity. Below are some resources that provide insight on the process of selling a business and different types of trusts to consider.
Trusts
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Click to Learn More
Donor Advised Funds
There’s more to charitable giving than you may realize. Here’s one method that provides flexibility and can help maximize your impact. Read below to learn more about a tax efficient way to manage your giving.
Click to Read More
Family Resources
Hidden risks abound. For affluent families, this can mean unwanted financial exposure. A simple risk assessment can go a long way to help close these gaps.
Click to Read More
Estate Gifting
As you consider gifting options, ask yourself how you would like financial gifts made to children or other family members to be used.
Click to Read More
Life After Selling a Business
Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Click to Learn MoreLocation
8150 North Wickham Road
Melbourne, FL 32940
US
Direct:
(321) 751-2064(321) 751-2064
Toll-Free:
(800) 949-2401(800) 949-2401
Fax:
(321) 751-2060(321) 751-2060
Meet The Carter Hester Group
Tim Hester, CFP®, CIMA®, CDFA®, CAP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(321) 751-2046(321) 751-2046
Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Terri Dingman
Wealth Management Associate
Phone:
(321) 751-2064(321) 751-2064
Bernadette Rice
Registered Client Service Associate
Phone:
(321) 751-2064(321) 751-2064
About Joseph Carter
Joseph Carter is a Senior Vice President, and co-founder of The Carter Hester Group, a highly skilled team of seasoned professionals located in Melbourne, Florida. Drawing upon over two decades of experience as a Wealth Advisor in the financial services industry since 1998, Joe is uniquely qualified to construct comprehensive wealth management plans that cater to the diverse financial requirements of both individuals and institutions. He prides himself on establishing meaningful connections with each client, tailoring his approach to their individual needs.
Joe has earned the title of Senior Investment Management Consultant and Certified Investment Management Analyst (CIMA), underlying his expertise. He also holds the Series 7,31,63, and 65 licenses, in addition to FL, NY, MA Life, Health, and Variable Annuity Insurance Licenses.
Joe is an alumnus of the University of Central Florida, where he received his B.A. in Legal Studies. He is a graduate of the Leadership Brevard class of 2017. Joe’s past and present activities involve Cocoa Beach Chamber of Commerce, Brevard Zoo, Rapport Leadership International, Investment Management Consultant Association, NFL Players Association Registered Financial Advisor, Daily Bread.
A Florida Native, Joe resides in Rockledge with his wife, Elaina, and their three daughters - Ashley, Natalie, and Amanda. Beyond his professional pursuits, Joe finds enjoyment in golf, exploring new destinations through travel, and spending quality time with his family.
Joe has earned the title of Senior Investment Management Consultant and Certified Investment Management Analyst (CIMA), underlying his expertise. He also holds the Series 7,31,63, and 65 licenses, in addition to FL, NY, MA Life, Health, and Variable Annuity Insurance Licenses.
Joe is an alumnus of the University of Central Florida, where he received his B.A. in Legal Studies. He is a graduate of the Leadership Brevard class of 2017. Joe’s past and present activities involve Cocoa Beach Chamber of Commerce, Brevard Zoo, Rapport Leadership International, Investment Management Consultant Association, NFL Players Association Registered Financial Advisor, Daily Bread.
A Florida Native, Joe resides in Rockledge with his wife, Elaina, and their three daughters - Ashley, Natalie, and Amanda. Beyond his professional pursuits, Joe finds enjoyment in golf, exploring new destinations through travel, and spending quality time with his family.
Securities Agent: DC, DE, SC, NY, GA, AZ, WA, VA, PA, CO, NM, MN, MD, MA, ND, FL, AL, WI, TN, NJ, IL, WV, OR, NC, RI, MO, IA, CA, UT, TX, OK, NH, OH, ME, CT, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285045
NMLS#: 1285045
About Tim Hester
Tim Hester is a Senior Vice President, Certified Financial Planner™(CFP®) and co-founder of The Carter Hester Group, a highly skilled team of seasoned professionals located in Melbourne, Florida. With more than 35 years of experience working with high-net-worth individuals, foundations, endowments, and institutional clients. Tim focus lies in guiding clients through each step of the team’s approach and thrives in communicating complex financial concepts into clear and understandable terms, further reinforcing his dedication to effective communication and client empowerment. Tim's skilled focus serves as a true asset in fostering client understanding and facilitating well informed decision making.
Tim has earned his Certified Financial Planner™ (CFP® ) designation and is a Chartered Advisor in Philanthropy (CAP), a Certified Divorce Financial Analyst (CDFA), and a Certified Investment Management Analyst (CIMA). In addition to those designations, Tim holds The series, 7, 66, 3, 9, and 10 Licenses as well as the insurance licenses for Life, Health & Variable Annuities.
Tim graduated from Metropolitan State University in Denver, Colorado with a B.S. in Investment Finance. He also holds degrees in Business Administration and Resource Management. Tim is a United States Air Force Veteran, and a graduate of the Leadership Brevard Class of 2017. His past and present activities include the Brevard County Estate Planning Council, Investment Management Consultant's Association, Brevard, Space Coast Honor Flight, and the NFL Players Association Registered Financial Advisor.
Tim and his wife Cami are avid boaters and can usually be found somewhere on the Indian River. They have three children: Joshua, Logan & Kendall and one Granddaughter.
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.
Tim has earned his Certified Financial Planner™ (CFP® ) designation and is a Chartered Advisor in Philanthropy (CAP), a Certified Divorce Financial Analyst (CDFA), and a Certified Investment Management Analyst (CIMA). In addition to those designations, Tim holds The series, 7, 66, 3, 9, and 10 Licenses as well as the insurance licenses for Life, Health & Variable Annuities.
Tim graduated from Metropolitan State University in Denver, Colorado with a B.S. in Investment Finance. He also holds degrees in Business Administration and Resource Management. Tim is a United States Air Force Veteran, and a graduate of the Leadership Brevard Class of 2017. His past and present activities include the Brevard County Estate Planning Council, Investment Management Consultant's Association, Brevard, Space Coast Honor Flight, and the NFL Players Association Registered Financial Advisor.
Tim and his wife Cami are avid boaters and can usually be found somewhere on the Indian River. They have three children: Joshua, Logan & Kendall and one Granddaughter.
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.
Securities Agent: OH, AL, RI, ND, PA, MA, CT, GA, FL, CO, UT, SC, MN, IL, IA, CA, AZ, TX, NC, DC, WA, VA, TN, NY, MO, ME, MD, DE, WV, WI, OR, NM, NH, MI, OK, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268322
NMLS#: 1268322
About Josh Hester
Josh Hester is a Financial Advisor, Financial Planning Specialist, and core member of The Carter Hester Group, a highly skilled team of seasoned professionals located in Melbourne, Florida. Josh focuses on creating tailored plans that bring his clients' goals into focus. He believes that establishing clear goals are crucial to identifying the right investments and financial strategies to achieve them. Over the years, he's noticed that many financial plans fall short because of a lack of conviction in their strategy. That's why he prioritizes educating his clients, ensuring they understand the reasoning behind each step, so they remain invested and on track, no matter the market condition.
Josh has earned his Certified Financial Planner™ designation and is a Chartered Retirement Plans Specialist (CRPS), and Qualified Plan Financial Consultant (QPFC), Josh holds the Series 7, Series 66, and Life, Health, and Variable Annuity Licenses.
Prior to joining the Financial Services Industry, Josh Served as an Active-Duty Army Officer for eight years, culminating in commanding the Military Police and Military Working Dog units in Fort Benning Georgia. He currently continues to serve as a Major in the U.S. Army Reserves. He is a graduate of The Citadel, The Military College of South Carolina where he majored in Business Administration. He brings real world leadership experience, goal setting, and mission accomplishment to focus when developing plans to help clients achieve their goals.
Josh grew up on the Space Coast of Florida and stays very engaged in the local community. He has served as President of his Rotary Club as well as the Space Coast Citadel Alumni Club. He is a graduate of the of Leadership Brevard class of 2022 and currently serves on the board of the Propeller Club of Port Canaveral as treasurer.
You can often find Josh spending time with his wife Lindsay and ice-skating with his 6-year-old daughter Laurel, he enjoys playing in the local ice-hockey leagues, playing guitar, surfing mediocrely, woodworking, and even acting in a few commercials and small productions.
Josh has earned his Certified Financial Planner™ designation and is a Chartered Retirement Plans Specialist (CRPS), and Qualified Plan Financial Consultant (QPFC), Josh holds the Series 7, Series 66, and Life, Health, and Variable Annuity Licenses.
Prior to joining the Financial Services Industry, Josh Served as an Active-Duty Army Officer for eight years, culminating in commanding the Military Police and Military Working Dog units in Fort Benning Georgia. He currently continues to serve as a Major in the U.S. Army Reserves. He is a graduate of The Citadel, The Military College of South Carolina where he majored in Business Administration. He brings real world leadership experience, goal setting, and mission accomplishment to focus when developing plans to help clients achieve their goals.
Josh grew up on the Space Coast of Florida and stays very engaged in the local community. He has served as President of his Rotary Club as well as the Space Coast Citadel Alumni Club. He is a graduate of the of Leadership Brevard class of 2022 and currently serves on the board of the Propeller Club of Port Canaveral as treasurer.
You can often find Josh spending time with his wife Lindsay and ice-skating with his 6-year-old daughter Laurel, he enjoys playing in the local ice-hockey leagues, playing guitar, surfing mediocrely, woodworking, and even acting in a few commercials and small productions.
Securities Agent: WI, OR, NY, DE, IA, VA, NJ, FL, UT, RI, OK, NV, MI, GA, CA, TX, PA, HI, WA, NC, MA, IL, CO, MD, AL, WV, ND, MN, MO, ME, AZ, TN, OH, NM, CT, SC, NH, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1870746
NMLS#: 1870746
About Terri Dingman
As a 30 year veteran of Morgan Stanley and the financial services industry, Terri has had the opportunity to wear many different hats. She began her career as a Sales Assistant with Dean Witter, remaining through the various mergers to what is now Morgan Stanley Wealth Management. She was promoted to Branch Manager's Assistant in 1995 and Branch Operations Manager in 1997 where she earned the Assistant Vice President title. Terri's operational experience, and superior skills in client service, problem solving, event planning, organization and follow-through, led her to join The Carter Hester Group in 2004. In addition, she is FINRA Series 7 and 66 licensed. As a Senior Registered Associate, Terri takes pride in developing long-lasting, effective personal and professional relationships with her clients. Terri's lengthy tenure in the industry, knowledge base and communication skills increase the ability of The Carter Hester Group to offer clients the highest and most sophisticated level of service.
A native of Tennessee and 29 year resident of Merritt Island, Terri and her husband, Arnie, are a blended family with four grown children and three grandchildren. An amateur chef, Terri enjoys cooking for her family and friends. She is actively involved with the American Cancer Society and several other local charities.
A native of Tennessee and 29 year resident of Merritt Island, Terri and her husband, Arnie, are a blended family with four grown children and three grandchildren. An amateur chef, Terri enjoys cooking for her family and friends. She is actively involved with the American Cancer Society and several other local charities.
About Bernadette Rice
Bernadette has been in the Financial Services industry for 9 years and has her Series 7 and Series 66 Licenses.
She is originally from New Jersey where her family owned and operated a Bakery. She moved to Florida 20 years ago and currently resides in Port Saint John, FL, with her husband Jeff.
She enjoys spending quality family time and taking family vacations with her two children, Amanda and John. She also enjoys baking, traveling, concerts and entertaining family and friends.
She is originally from New Jersey where her family owned and operated a Bakery. She moved to Florida 20 years ago and currently resides in Port Saint John, FL, with her husband Jeff.
She enjoys spending quality family time and taking family vacations with her two children, Amanda and John. She also enjoys baking, traveling, concerts and entertaining family and friends.
Contact Joseph Carter
Contact Tim Hester
Contact Josh Hester
Wealth Management
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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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Carter Hester 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.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
15Morgan 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.
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
17When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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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
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
15Morgan 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.
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
17When 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.
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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.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
