Phone:
(816) 932-7832(816) 932-7832
The CFWM Group at Morgan Stanley
Kansas City:
(816) 932-7800(816) 932-7800
Toll-Free:
(800) 821-6119(800) 821-6119
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Disciplined Planning. Experienced Team. Deep Relationships.
The CFWM Group at Morgan Stanley focuses on providing retirement plan and wealth solutions to a select group of individuals, families, and businesses. This selectivity helps build mutually beneficial relationships and allows for a high degree of responsiveness and accessibility. We seek to help our clients to carefully navigate the ever-changing financial landscape. Our commitment to our clients is based on three core principles.
Experienced Team
Guidance from a professional with more than 30 years of experience helping clients and business owners navigate the complex financial markets.
Disciplined Planning Process
Our collaborative planning process helps clients clarify their goals. We ask questions beyond investments to better understand lifestyle, income needs and future legacy.
Deep Relationships
Regular & proactive communication, ongoing monitoring, and education help clients better understand their wealth situation, adapt to life’s changes, and stay on track to their goals.
Call The CFWM Group today 1-800-821-6119
Experienced Team
Guidance from a professional with more than 30 years of experience helping clients and business owners navigate the complex financial markets.
Disciplined Planning Process
Our collaborative planning process helps clients clarify their goals. We ask questions beyond investments to better understand lifestyle, income needs and future legacy.
Deep Relationships
Regular & proactive communication, ongoing monitoring, and education help clients better understand their wealth situation, adapt to life’s changes, and stay on track to their goals.
Call The CFWM Group today 1-800-821-6119
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Alternative InvestmentsFootnote2
- Asset Management
- Business Succession PlanningFootnote3
- Cash ManagementFootnote4
- Certificates of DepositFootnote5
- Estate Planning StrategiesFootnote6
- 529 PlansFootnote7
- Financial PlanningFootnote8
- Lending Products
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Planning for Education FundingFootnote11
- Retirement PlanningFootnote12
- Exchange Traded FundsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Understanding Your Needs
As Family Wealth Advisors we believe that Comprehensive Wealth Management begins with a clear and concise understanding of our clients' financial goals and objectives, coupled with a deep appreciation of their risk tolerance. As the CFWM Group at Morgan Stanley, our mission is to help people make better financial decisions, providing them with customized solutions for their retirement planning, wealth accumulation, risk management, and estate planning needs. This is accomplished by bringing many years of experience, knowledge, and wisdom to our client relationships.
Planning
Help you prioritize, organize, and simplify your financial situation—we manage the financial affairs of a select group of families, approaching our work as a “process” and not an “event”.
Diversification
Help you determine realistic goals, and manage your investments seeking to meet those personal goals rather than meet a benchmark—we will diversify and systematically re-balance your portfolio in order to help manage risk.
Clarity
Help you focus on Legacy Planning and keep you on track to facilitate the continuity of your family’s financial plan through the generations—we will help educate your children and grandchildren about investments and financial concepts if warranted.
Review
Review your external investments, such as: company 401(k) and 403(b) plans, and suggest modifications that aim to increase your income during retirement—help you decide when is the best time to start taking Social Security.
Taxes
Provide referrals to other professionals, such as attorneys and CPAs—work closely with your tax and legal advisors—direct you to a professional to assist with your trust and estate planning and probate needs.
Monitor
Guide you through difficult market periods by sharing historical perspectives—pay close attention to market conditions by being disciplined, organized, nimble, and opportunistic.
Assistance
Monitor changes in your life and family situation and remain only a phone call away to answer any of your financial questions without charge.
Transparency
Always be honest with you and be your trusted source for advice in all financial matters.
On Your Mind
We seek to have an advisory based relationship with our clients... a "consultative" relationship where clients pay for performance and advice, not transactions. This approach puts our clients' interest first and foremost. This is accomplished by having a collective 55+ years of experience in the financial services industry. We want to completely understand what our clients hope to achieve by having a relationship with us. In order for us to manage expectations, we need to know that we are a good fit for the client and that they are a good fit for our practice.
Here are a few questions asked by some of our clients. If you believe any of these questions relate to your financial concerns, or if you are looking for financial advice at all, please reach out to us.
Here are a few questions asked by some of our clients. If you believe any of these questions relate to your financial concerns, or if you are looking for financial advice at all, please reach out to us.
Am I Currently Saving or Investing Enough?
We understand that investors have financial issues that keep them awake at night. We want to know what these issues are and provide solutions that can make you feel more confident with your financial situation.
When I Stop Working, Will I Be Able To Maintain My Lifestyle?
We know that people have activities in which they wish to engage when they retire. Our job is to find those out what those dreams are and help accomplish them by constantly monitoring your retirement savings, providing recommendations in your best interest.
How Can I Leave Behind A Legacy?
Whether its for your generations to come or your choice of charity, we strive to help you decide when and how you want your assets to be distributed. We help initiate the steps necessary in order for you to leave an impact.
Do I Have An Exit Strategy Ready In Place?
Whether you are transitioning into retirement, pursuing a different career, or looking to sell a closely held family business, we are here to help you create a financial plan so that you don't fall behind. Life can present many opportunities, don't let your financial concerns stop you from starting a new chapter.
Additional Questions That We Help Answer
Do I have the proper choices in my 401(k) plan and is it enough to allow me to retire when I intend to?
Do I have the proper amount of insurance so my family will be taken care of if I die, become disabled, or am sued?
Is my estate plan up to date and do I have a will, a durable power of attorney, or a trust?
Does long-term care make sense for me?
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee
Do I have the proper amount of insurance so my family will be taken care of if I die, become disabled, or am sued?
Is my estate plan up to date and do I have a will, a durable power of attorney, or a trust?
Does long-term care make sense for me?
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee
A 529 account can help you pave the way for a loved one on the path to success, while both reducing the income taxes on your investments and the taxable value of your estate for federal estate tax purposes. The combination of income tax-free growth and withdrawal potential,2 estate tax benefits, attractive continuous-control features, and versatility to address circumstances as they arise make 529 plans an education investment vehicle of choice.
The CFWM Group can help answer your questions about 529 plans and provide guidance on developing an approach to help you achieve your goals.
The CFWM Group can help answer your questions about 529 plans and provide guidance on developing an approach to help you achieve your goals.
What You Get From Us:
- Industry-leading thought leadership and portfolio construction
- Integration into a goals-based total wealth plan
- Sophisticated advice from your trusted Financial Advisor
Benefits Of A 529 Plan:
- Tax Advantages - Once you fund a 529 account, any growth of that money is generally income tax-free. And it can normally be distributed income tax-free if it’s used to pay for qualified education expenses, including tuition and supplies.
- Versatility & Control - Help pay for private K-12 education, graduate school, semesters abroad, apprenticeship programs and student loans. Stay in full ownership of your account even as you change beneficiaries or withdraw funds.
- Estate Planning - Because contributions to a 529 plan are generally excluded from a donor’s gross estate calculation, you can typically move money from your taxable estate to beneficiaries estate tax-free, without ever losing control.
- Flexibility - 529 plans are notable for their flexibility—with no income, age or time limits, no minimum distributions, no state residency requirements, no limits on who can benefit or contribute, and high contribution limits.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More Here- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
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. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More Here
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More HereThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn More Here
Aladdin
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Read Here
Goal Planning System
Morgan Stanley was awarded for its Goals Planning System (GPS) which integrates proprietary goal planning with the Firm’s investment proposal tool, allowing Financial Advisors to scale their practice, deliver an engaging client experience and provide an enhanced and intuitive platform for goal tracking and reporting.
Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Read HereBuilt on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
eAuthorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Watch here to learn more
eSign
E-Sign is a digital, paperless alternative to the transitional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign - all you need is a valid email address and phone number.
Watch here to learn moreLocation
4520 Main St
8th Fl
Kansas City, MO 64111
US
Direct:
(816) 932-7800(816) 932-7800
Toll-Free:
(800) 821-6119(800) 821-6119
Meet The CFWM Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Senior Portfolio Manager, Insurance Planning Director
Phone:
(816) 932-7810(816) 932-7810
Taylor Kangethe
Financial Advisor, Financial Planning Specialist
Phone:
(816) 932-7886(816) 932-7886
About Tommie R Hughes
Tommie has been with Morgan Stanley or predecessor firms for 35 years. He began his career as a Municipal Bond Trader for E. F. Hutton and moved into retail/individuals consulting in 1988. He currently has his Series 7, 63 and 65 registrations, licensed in Health, Life, Annuity and Long Term Care Insurance and advises for private investors and corporations.
As a past member of Morgan Stanley Chairman’s Council, Mr. Hughes excels in his field and uses his knowledge and experience to assist his clients in making informed investment decisions. His experience on the equity side included a role as the lead advisor in the sale of a privately held communications company to a large, publicly held communication firm, Alltel & Kansas Cellular. Tommie also brings considerable experience to the table in terms of municipal finance.
Tommie is active in the community and his church, Greater Pentecostal Temple, where he serves as associate Pastor and Trustee. He is currently the President of the International Men’s Ministry Association of the Pentecostal Assemblies of the World. He is actively involved with civic organizations such as United Negro College Fund (UNCF) Advisory Broad for KC and the Urban Financial Services Coalition. Tommie has also served on the Kansas City Mayor’s Task Force on Race Relations, the Urban League’s Top Notch Board and previously served on the Morgan Stanley National Diversity Council.
As a past member of Morgan Stanley Chairman’s Council, Mr. Hughes excels in his field and uses his knowledge and experience to assist his clients in making informed investment decisions. His experience on the equity side included a role as the lead advisor in the sale of a privately held communications company to a large, publicly held communication firm, Alltel & Kansas Cellular. Tommie also brings considerable experience to the table in terms of municipal finance.
Tommie is active in the community and his church, Greater Pentecostal Temple, where he serves as associate Pastor and Trustee. He is currently the President of the International Men’s Ministry Association of the Pentecostal Assemblies of the World. He is actively involved with civic organizations such as United Negro College Fund (UNCF) Advisory Broad for KC and the Urban Financial Services Coalition. Tommie has also served on the Kansas City Mayor’s Task Force on Race Relations, the Urban League’s Top Notch Board and previously served on the Morgan Stanley National Diversity Council.
Securities Agent: NV, WV, MI, ME, MD, FL, TN, NJ, DE, CT, SD, SC, PA, MO, MA, KS, WI, WA, OR, CO, AL, OK, NY, CA, VA, NC, IN, GA, AR, TX, OH, IL, MN, KY, IA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1288281
NMLS#: 1288281
About Archie P Kangethe
Since joining Morgan Stanley in 2000, Archie has focused on collaborating with our clients to discover their financial needs. With ongoing monitoring, his focus is to develop and implement portfolio strategies to achieve their long-term goals.
Archie was born in Des Moines, Iowa and raised in Nairobi, Kenya. After returning to the United States, he lived in South Dakota, but most of his adult life has been spent in Kansas City. He believes this diverse upbringing gives him a unique perspective in dealing with people in our increasingly diverse country.
Archie attended Missouri Southern State University, where he earned a B.S. in Business Administration; with a Personal Finance emphasis. He has earned his Certified Financial Planner (CFP®) designation and is currently pursuing his Chartered Financial Analyst™ (CFA®) designation. Archie has passed Level 1 of the designation and is studying for Level 2.
Archie and his wife, Christina, are raising their four children. In his free time he enjoys traveling and playing golf.
Archie was born in Des Moines, Iowa and raised in Nairobi, Kenya. After returning to the United States, he lived in South Dakota, but most of his adult life has been spent in Kansas City. He believes this diverse upbringing gives him a unique perspective in dealing with people in our increasingly diverse country.
Archie attended Missouri Southern State University, where he earned a B.S. in Business Administration; with a Personal Finance emphasis. He has earned his Certified Financial Planner (CFP®) designation and is currently pursuing his Chartered Financial Analyst™ (CFA®) designation. Archie has passed Level 1 of the designation and is studying for Level 2.
Archie and his wife, Christina, are raising their four children. In his free time he enjoys traveling and playing golf.
Securities Agent: IL, DE, SC, NC, FL, WI, ME, IN, MD, CA, VA, OH, MI, LA, PA, OR, NY, TN, NV, KY, AL, OK, NJ, CO, NE, MO, MN, KS, AZ, AR, TX, MA, CT, WA, SD, IA, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Taylor Kangethe
Taylor joined the CFWM Group as a Financial Planning Specialist to help client articulate, plan for, and achieve their financial goals. Before joining the group, she served as a Wealth Advisor Associate to the Morgan Stanley branches in Kansas, Oklahoma, and parts of Missouri. Her Wealth Advisory role included extensive training in financial planning, and she was tasked with creating retirement plans for advisors clients in all of those branches.
Before coming to Morgan Stanley, Taylor spent just shy of 3 years working at American Century Investments. In her time there, she worked in client and account services before being promoted to an Investment Specialist. She specialized in Business Retirement investing, working directly with business owners and the employees within their workplace retirement plans.
Her educational background started in the Kansas City metro area, where she attended Shawnee Mission Northwest High School. After high school, while pursing both her education and a collegiate volleyball career, she attended Coffeyville Community College where she received an Associate Degree of Science. She then attended Tougaloo College in Jackson, MS where she graduated Summa Cum Laude with a Bachelor’s Degree of Economics with an emphasis in Business Administration.
Outside of work, she enjoys spending time with friends, family, and her English bulldog named Alfredo. However, most of her free time is spent coaching youth volleyball around the city. She currently serves as head volleyball coach at Notre Dame de Sion High School and at KC Challenge volleyball club.
She is excited to be a member of the newly named CFWM Group and help their clients plan the journey to and through retirement.
Before coming to Morgan Stanley, Taylor spent just shy of 3 years working at American Century Investments. In her time there, she worked in client and account services before being promoted to an Investment Specialist. She specialized in Business Retirement investing, working directly with business owners and the employees within their workplace retirement plans.
Her educational background started in the Kansas City metro area, where she attended Shawnee Mission Northwest High School. After high school, while pursing both her education and a collegiate volleyball career, she attended Coffeyville Community College where she received an Associate Degree of Science. She then attended Tougaloo College in Jackson, MS where she graduated Summa Cum Laude with a Bachelor’s Degree of Economics with an emphasis in Business Administration.
Outside of work, she enjoys spending time with friends, family, and her English bulldog named Alfredo. However, most of her free time is spent coaching youth volleyball around the city. She currently serves as head volleyball coach at Notre Dame de Sion High School and at KC Challenge volleyball club.
She is excited to be a member of the newly named CFWM Group and help their clients plan the journey to and through retirement.
Securities Agent: KS, MT, MN, MD, TX, MI, GA, FL, OK, LA, NE, MO, CA, AR, AZ, IL, CO, NY, NV, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2287495
NMLS#: 2287495
Contact Tommie R Hughes
Contact Archie P Kangethe
Contact Taylor Kangethe
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
Article Image
Ready to start a conversation? Contact The CFWM 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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
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
5Investors 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.
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 and other legal matters.
7Investors 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.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
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
5Investors 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.
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 and other legal matters.
7Investors 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.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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Awards Disclosures
CRC 6491812 (04/2024)
