TC Ford
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(985) 624-6912(985) 624-6912
The TC Ford Group at Morgan Stanley
Direct:
(985) 624-6933(985) 624-6933
Toll-Free:
(800) 673-5745(800) 673-5745
Our Mission Statement
Our goal is to empower our clients by delivering proactive and personalized financial strategies that are tailored to align with their life’s purpose and aspirations. We actively listen to our clients to understand the “why” behind their financial goals, allowing us to plan for both immediate goals as well as their life-long ambitions.
Our Approach
Our strategic advantage is achieved in our first conversation when we actively listen to your family’s specific goals. We already have the processes and tools to help achieve them, we just need to prescribe a best fit for a customized solution that can grow and adapt with your world. From there we will use detailed fact finding to be proactive, efficient, and forward-looking with your investment management. We are able to utilize the firm’s robust resources while still essentially running our own proprietary sleeve strategies modified to help achieve each family’s specific needs. Our team of 5 financial advisors and 5 support staff are able to easily manage any questions or needs across our wide array of services.
Services Include
- Financial PlanningFootnote1
- Lending Products
- Wealth ManagementFootnote2
- Cash ManagementFootnote3
- Life InsuranceFootnote4
- Long Term Care InsuranceFootnote5
- AnnuitiesFootnote6
- Fixed IncomeFootnote7
- Planning for Education FundingFootnote8
- Alternative InvestmentsFootnote9
- Estate Planning StrategiesFootnote10
- Trust AccountsFootnote11
- Retirement PlanningFootnote12
- Corporate Retirement PlansFootnote13
- 401(k) Rollovers
- Qualified Retirement PlansFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Investor Resources
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
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GIC Monthly Research Report
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Thoughts on the Market Podcast
Stay informed about the latest market trends, outlooks, and breakdowns. Follow the link below to listen to perspectives on the forces shaping markets.
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Featured Ideas
Through timely, in-depth analysis of companies, industries, markets, and world economies.
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Morgan Stanley AT WORK
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2024 Federal Income Tax Tables
Federal Income Tax Tables for the 2024 tax year, including contribution limits, deadlines, and more.
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Federal Income Tax Tables for the 2025 tax year, including contribution limits, deadlines, and more.
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Planning for Your Financial Future
Your financial goals and priorities will likely shift with time. To help prepare for the road ahead, ask yourself what matters to you and your family long term.
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We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We strive to ensure we serve our clients with market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online & Mobile App
Our digital experiences make it easy to manage your money 24/7, from your desktop, tablet or phone. Clients with a Financial Advisor can enjoy the freedom to manage their wealth on their own devices while collaborating with their Morgan Stanley team. It’s accessibility at its finest.
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Security Center: How to Protect Yourself Online
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
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Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
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Goals Planning System
Your Financial Advisor will work with you to help you identify your personal goals, help customize a plan to achieve your objectives, and report back with progress toward your goals. If you sign up with Morgan Stanley Online, you will also be able to check in on your own, using your computer, tablet or mobile device.
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eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
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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 and tax filings.
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Portfolio Risk Platform
Uncertainty can’t be erased, but it can be mitigated. Morgan Stanley’s sophisticated Portfolio Risk Platform stress tests your portfolio against 70+ scenarios, covering a wide spectrum of historical events and market conditions.
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1261 West Causeway Approach
Mandeville, LA 70471
US
Direct:
(985) 624-6933(985) 624-6933
Toll-Free:
(800) 673-5745(800) 673-5745
Meet The TC Ford Group
Michael G Plasko
Financial Advisor
Phone:
(985) 624-6930(985) 624-6930
Phone:
(985) 624-6959(985) 624-6959
Ken Looper
Vice President, Wealth Management, Financial Advisor
Phone:
(985) 624-6978(985) 624-6978
Kelli Morrison
Financial Advisor
Phone:
(941) 714-7923(941) 714-7923
Rudy Johnson
Business Development Manager
Phone:
(985) 624-6910(985) 624-6910
Michele C. Berthelot
Portfolio Associate
Phone:
(985) 624-6932(985) 624-6932
Jessica F. Williams
Portfolio Associate
Phone:
(985) 624-6933(985) 624-6933
Lindy Giambrone
Client Service Associate
Phone:
(985) 624-6911(985) 624-6911
W. Mason Rudolph
Client Service Associate
Phone:
(985) 624-6985(985) 624-6985
About TC Ford
Beginning his wealth management career in 2007, T.C. focuses on comprehensive wealth management strategies designed to achieve each client’s goals based off of their unique risk tolerance, liquidity needs and time horizon. Through a client centered approach, T.C. focuses on learning each client’s specific needs and goals before customizing a best-fit long term strategy to help achieve desired results. Utilizing highly proactive service and dynamic portfolio construction the team strives to manage unnecessary risk over time. This personalized service provides clients with the intimate feel of a boutique firm backed with the resources and sophistication of a global wealth management platform.
After graduating valedictorian of Mandeville High School, T.C. went on to earn an Economics degree from Northwestern University outside of Chicago, IL. While there, he was a four-year letterman and Academic All-American on the Big Ten Champion golf team. Upon graduation, T.C. played golf professionally for a few years before transitioning into the financial services industry in 2007. He now resides in Mandeville with his wife, Mikaela, their four children—Thomas, Christopher, Oscar and Elizabeth.
After graduating valedictorian of Mandeville High School, T.C. went on to earn an Economics degree from Northwestern University outside of Chicago, IL. While there, he was a four-year letterman and Academic All-American on the Big Ten Champion golf team. Upon graduation, T.C. played golf professionally for a few years before transitioning into the financial services industry in 2007. He now resides in Mandeville with his wife, Mikaela, their four children—Thomas, Christopher, Oscar and Elizabeth.
Securities Agent: WY, VA, OR, CA, OK, MN, NJ, WA, KY, CO, MI, TX, NV, MT, MA, IL, SC, AL, IA, GA, DC, TN, NC, LA, DE, NE, NY, MS, IN, OH, NM, FL, AZ, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 510143
AR Insurance License #: 10144122
NMLS#: 510143
AR Insurance License #: 10144122
About Michael G Plasko
A seasoned professional with more than 22 years of experience in financial services, Mike implements wealth management strategies for clients, concentrating on Portfolio Management. His focus is servicing portfolio asset allocation to include equity, mutual fund, ETF and fixed income strategies.
Mike attended Penn State University on a Naval ROTC scholarship and graduated with a Bachelor of Science degree. He is firmly committed to long-term relationships and strives to deliver exceptional client service. Mike listens carefully to the goals, concerns and passions of his clients. Based on their input, he works attentively to help them achieve their financial objectives.
A retired Naval Reserve Commander with 25 years of experience, Mike brings a high degree of leadership and discipline to the team. He and his wife, Susan, have been married for more than 20 years and reside in Abita Springs with their only daughter, Kara.
Mike attended Penn State University on a Naval ROTC scholarship and graduated with a Bachelor of Science degree. He is firmly committed to long-term relationships and strives to deliver exceptional client service. Mike listens carefully to the goals, concerns and passions of his clients. Based on their input, he works attentively to help them achieve their financial objectives.
A retired Naval Reserve Commander with 25 years of experience, Mike brings a high degree of leadership and discipline to the team. He and his wife, Susan, have been married for more than 20 years and reside in Abita Springs with their only daughter, Kara.
Securities Agent: AZ, SD, NJ, MN, MA, MI, FL, CO, OR, NY, VT, VA, TN, IN, CA, TX, SC, OH, IA, DE, NV, NM, MT, IL, DC, WY, KY, GA, AL, WA, OK, NE, NC, MS, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2626238
NMLS#: 2626238
About E. Mason Rudolph Jr.
Mason Rudolph Jr., a native of Clarksville Tennessee and a graduate of the University of Alabama with a Bachelor of Science from the Culverhouse School of Business, has built a distinguished career in the Financial Industry. Having been a Financial Advisor for over 30 years, Mason’s success is a direct result of his ability to develop personal, lifelong relationships with his clients while garnering an understanding of their goals and building trust and confidence throughout their financial journey. His wealth of knowledge and experience provides insight to uncover client concerns and build a clear strategy to help meet their short and long term financial goals.
As a Senior Vice President, his core competencies are planning security analysis, portfolio construction, retirement plans, cash management, lending solutions, concentrated stock positions and structured investments.
Mason is an accomplished amateur golfer, a former board member of the Louisiana Golf Association and a member to the Leadership St. Tammany Class of 2012. He met his wife, Kelly while at the University of Alabama and they have been married for 35 years. Their twin sons, Hunter and Myers, are married and he has one granddaughter.
As a Senior Vice President, his core competencies are planning security analysis, portfolio construction, retirement plans, cash management, lending solutions, concentrated stock positions and structured investments.
Mason is an accomplished amateur golfer, a former board member of the Louisiana Golf Association and a member to the Leadership St. Tammany Class of 2012. He met his wife, Kelly while at the University of Alabama and they have been married for 35 years. Their twin sons, Hunter and Myers, are married and he has one granddaughter.
Securities Agent: VA, MO, LA, IL, TN, NY, MI, FL, AZ, OK, OH, NE, MS, MD, IN, CA, NV, MA, KY, WA, PA, OR, NJ, MT, AL, WI, GA, TX, NC, DE, DC, WY, IA, CO, SD, SC, NM, MN; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 510140
NMLS#: 510140
About Ken Looper
Ken started his career in financial services in 2018 with Morgan Stanley and has since joined The TC Ford Group at the firm. While Ken has multiple different roles at the TC Ford Group, his primary focuses are being a relationship manager, engaging in structured note/alternatives and trading across the platform.
After graduating from Fontainebleau high school, Ken attended the University of Nebraska Omaha on scholarship to play golf. After three years at UNO, Ken transferred to Louisiana State University where he earned a bachelor’s degree in marketing. Graduating from LSU on the Dean’s list, Ken went on to play professional golf for the next seven years on various tours, including the Korn Ferry tour and the Latin Tour.
Ken now resides in Mandeville with his wife and two children, Kenny and Benny. Outside of the office, Ken enjoys playing golf and spending time with his family.
After graduating from Fontainebleau high school, Ken attended the University of Nebraska Omaha on scholarship to play golf. After three years at UNO, Ken transferred to Louisiana State University where he earned a bachelor’s degree in marketing. Graduating from LSU on the Dean’s list, Ken went on to play professional golf for the next seven years on various tours, including the Korn Ferry tour and the Latin Tour.
Ken now resides in Mandeville with his wife and two children, Kenny and Benny. Outside of the office, Ken enjoys playing golf and spending time with his family.
Securities Agent: DC, CT, CO, AL, SD, NJ, NC, MT, MS, MD, NM, NE, MI, IA, GA, LA, AZ, WY, NY, MN, SC, OR, OH, IN, DE, OK, MA, KY, FL, CA, WA, NV, TX, TN, IL, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1830993
AR Insurance License #: 19044732
NMLS#: 1830993
AR Insurance License #: 19044732
About Kelli Morrison
Kelli joined the TC Ford Group in the Fall of 2021 after spending the previous two years as the Wealth Advisor Associate for the Louisiana/Mississippi complex. As a Wealth Advisor Associate, she partnered with Morgan Stanley Financial Advisors to create personalized financial planning solutions for their clients. While Kelli has multiple roles within The TC Ford Group, she specializes in working with our clients to create comprehensive financial plans, educating clients on the vast digital resources within Morgan Stanley, and running the team’s 401k division in addition to proactively managing client relationships.
Prior to starting her career at Morgan Stanley, Kelli earned her bachelor’s degree in Accounting and Business from Florida Southern College where she was a pitcher for their Division II Women's Softball Team.
Kelli now resides in her hometown of Bradenton, FL with her husband, Motte and their daughter, Janie. Outside of work, Kelli loves spending time with her family and enjoying all things outdoors.
Prior to starting her career at Morgan Stanley, Kelli earned her bachelor’s degree in Accounting and Business from Florida Southern College where she was a pitcher for their Division II Women's Softball Team.
Kelli now resides in her hometown of Bradenton, FL with her husband, Motte and their daughter, Janie. Outside of work, Kelli loves spending time with her family and enjoying all things outdoors.
Securities Agent: CO, CA, SD, SC, OH, NV, KY, AR, VA, OR, NC, MI, LA, DE, PA, OK, NE, TX, TN, NJ, MD, MA, GA, FL, AL, MT, IN, WA, IL, AZ, NY, MS, ID, IA, WY, NM, MN, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1918460
AR Insurance License #: 19367355
NMLS#: 1918460
AR Insurance License #: 19367355
About Rudy Johnson
Rudy Johnson is a Business Development Manager with the TC Ford Group in Madisonville, Louisiana. In this role, he assists with managing day-to-day operations, focusing on customer service, efficiencies, compliance, product knowledge, client relationships, marketing, and communications. Rudy started his career with Morgan Stanley in March of 2016 as a Private Banker. Prior to joining Morgan Stanley, Rudy worked as a Private Banker for Merrill Lynch for five years. Rudy began his career in the financial services industry in 1992, holding various sales positions related to mortgage and lending, as well as management roles, covering various states.
Rudy graduated with a Bachelor of Science degree in Finance from the University of New Orleans and resides in Madisonville, Louisiana. He is married with one child who is currently attending graduate school. Outside of the office, Rudy is dedicated to community service, volunteering with organizations such as Habitat for Humanity, the Covington Food Bank, and Lake Pontchartrain Beach Sweep. Additionally, he enjoys collecting, driving, riding, and restoring antique cars and motorcycles. He also enjoys exercising, cycling, and spending time with his family at the beach.
Rudy graduated with a Bachelor of Science degree in Finance from the University of New Orleans and resides in Madisonville, Louisiana. He is married with one child who is currently attending graduate school. Outside of the office, Rudy is dedicated to community service, volunteering with organizations such as Habitat for Humanity, the Covington Food Bank, and Lake Pontchartrain Beach Sweep. Additionally, he enjoys collecting, driving, riding, and restoring antique cars and motorcycles. He also enjoys exercising, cycling, and spending time with his family at the beach.
About Michele C. Berthelot
A graduate of Cabrini High School in New Orleans, Michele has gained experience in all aspects of the financial industry over the last three and a half decades. In addition to helping run the team's internal processes, her multitude of talents include customizing retirement income strategies as well as analyzing estate protecting strategies through life insurance, annuities, and long-term care insurance. Michele also has valuable sales experience as she was once a financial advisor. Michele maintains her Series 7, Series 63, Series 66, and Series 9/10 managers license as well as her insurance license.
Michele and her husband, Joey, reside in Ponchatoula. With an extended family of children and grandchildren, Michele truly enjoys spending time with her loved ones, especially at the hunting camp, the river camp or at her favorite place, the beach.
Michele and her husband, Joey, reside in Ponchatoula. With an extended family of children and grandchildren, Michele truly enjoys spending time with her loved ones, especially at the hunting camp, the river camp or at her favorite place, the beach.
About Jessica F. Williams
With a Bachelor of Science in Finance and a Bachelor of Arts in Management from Southeastern Louisiana University, Jessica's educational credentials combined with her extensive financial services background bring a considerable amount of experience to the group's operations on a daily basis.
Jessica and her husband, Keith, reside in Madisonville with their two daughters, Abigail and Avery. In her free time Jessica enjoys spending time with her family and friends.
Jessica and her husband, Keith, reside in Madisonville with their two daughters, Abigail and Avery. In her free time Jessica enjoys spending time with her family and friends.
About Lindy Giambrone
Lindy Giambrone began her financial services career in 1998 with a background in the banking industry for 25 years.
Lindy was born and raised on the South Shore. She is a graduate from Ursuline Academy and holds a Bachelor of Science degree in Finance from the University of New Orleans. She holds an Accredited ACH Professional (AAP) certification since 2017.
Lindy resides in Mandeville with her son and twin daughters. She enjoys going to the beach, watching football, and spending time with her family.
Lindy was born and raised on the South Shore. She is a graduate from Ursuline Academy and holds a Bachelor of Science degree in Finance from the University of New Orleans. She holds an Accredited ACH Professional (AAP) certification since 2017.
Lindy resides in Mandeville with her son and twin daughters. She enjoys going to the beach, watching football, and spending time with her family.
About W. Mason Rudolph
W. Mason graduated Cum Laude from the University of Alabama with a bachelor’s degree in Commerce and Business Administration. Prior to graduation, W. Mason was honored with the recognition of being a member of the 107th class of the Jasons Men's Honorary- the oldest honor society at the University of Alabama, consisting of 40 rising seniors honored for their outstanding academic achievement, campus involvement, leadership, and character.
Prior to his career at Morgan Stanley, W. Mason worked for CAA Sports, where he was an executive assistant to Jimmy Sexton. While supporting all daily operations of the CAA Football and CAA Coaching groups, his responsibilities included conducting thorough research and analysis on industry trends, competitor activities, and potential client opportunities, providing valuable insights and supporting strategic decision-making.
W. Mason is a Client Service Associate in Mandeville, LA, who, along with the team commits to understanding and helping clients achieve their financial goals. Away from the office, Mason enjoys following the sports business industry, running, exercising, and playing competitive amateur golf.
Prior to his career at Morgan Stanley, W. Mason worked for CAA Sports, where he was an executive assistant to Jimmy Sexton. While supporting all daily operations of the CAA Football and CAA Coaching groups, his responsibilities included conducting thorough research and analysis on industry trends, competitor activities, and potential client opportunities, providing valuable insights and supporting strategic decision-making.
W. Mason is a Client Service Associate in Mandeville, LA, who, along with the team commits to understanding and helping clients achieve their financial goals. Away from the office, Mason enjoys following the sports business industry, running, exercising, and playing competitive amateur golf.
Contact TC Ford
Contact Michael G Plasko
Contact E. Mason Rudolph Jr.
Contact Ken Looper
Contact Kelli Morrison
Wealth Management
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1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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
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5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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9Alternative 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.
10Morgan 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.
11Morgan 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.
12When 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.
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.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Alternative 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.
10Morgan 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.
11Morgan 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.
12When 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.
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.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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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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Awards Disclosures
CRC 6491812 (04/2024)
