Phone:
(954) 762-3085(954) 762-3085
The Corbet Group at Morgan Stanley
Direct:
(954) 762-3085(954) 762-3085
Our Mission Statement
Our mission is to empower our clients to attain financial well-being through personalized, ethical, and transparent financial advice. We strive to build long-term relationships based on trust, integrity, and mutual respect. By understanding our clients' unique goals, circumstances, and aspirations, we deliver customized strategies and actionable solutions that align with their best interests. With a relentless focus on excellence, continuous education, and staying at the forefront of industry trends, we aim to be the advisor our clients turn to for all their financial needs.
Our Story and Services
Hello, and welcome to The Corbet Group! We are a multigenerational advisory team priding ourselves on a personalized approach towards wealth management and portfolio management.
Maggie Corbet, the senior partner on our team, has been a part of the industry for over 40 years, following in the footsteps of her father Jubb and his father before him. In total, Maggie has followed a path of four generations of Corbet's in the business.
Rich Corbet, the junior partner on our team, recently joined the group in 2022 after working for E*TRADE from Morgan Stanley. Rich has always been fascinated by money and capital markets, knowing from day one he wanted to pursue a career as a financial advisor.
Both of us were born and raised in North New Jersey, spending summers down in the Jersey Shore. Since then, we have moved to Fort Lauderdale but still frequently go back to New Jersey to spend time with family.
We hope that our website will give you a detailed understanding of how we work together with our clients to achieve their financial goals, and also provide clarity on the various services we offer to our clients every day. We are excited to meet you!
Maggie Corbet, the senior partner on our team, has been a part of the industry for over 40 years, following in the footsteps of her father Jubb and his father before him. In total, Maggie has followed a path of four generations of Corbet's in the business.
Rich Corbet, the junior partner on our team, recently joined the group in 2022 after working for E*TRADE from Morgan Stanley. Rich has always been fascinated by money and capital markets, knowing from day one he wanted to pursue a career as a financial advisor.
Both of us were born and raised in North New Jersey, spending summers down in the Jersey Shore. Since then, we have moved to Fort Lauderdale but still frequently go back to New Jersey to spend time with family.
We hope that our website will give you a detailed understanding of how we work together with our clients to achieve their financial goals, and also provide clarity on the various services we offer to our clients every day. We are excited to meet you!
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Asset Management
- Financial PlanningFootnote3
- Wealth PlanningFootnote4
- Trust ServicesFootnote5
- Trust AccountsFootnote6
- Planning for Education FundingFootnote7
- 529 PlansFootnote8
- Retirement PlanningFootnote9
- Cash Management and Lending ProductsFootnote10
- AnnuitiesFootnote11
- Alternative InvestmentsFootnote12
- Certificates of DepositFootnote13
- Fixed IncomeFootnote14
- Municipal BondsFootnote15
- Life InsuranceFootnote16
- Long-term Care InsuranceFootnote17
- Structured ProductsFootnote18
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU TO DEFINE AND ACHIEVE YOUR GOALS
Our relationship begins with a thorough understanding of you – your needs, your lifestyle, family, and your goals for the future. Leveraging our vast resources, including intellectual capital, experience, and dedicated service, we can work with you to create a personalized wealth strategy. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom-designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance metrics, seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Our Portfolio Management Strategy
At its core, our investment philosophy as a bottom-up value security selector revolves around the fundamental analysis of individual companies to identify undervalued stocks with strong growth potential. Here are the key principles that guide our investment strategy:
Fundamental Analysis
We firmly believe in conducting thorough fundamental analysis of individual companies before making investment decisions. This involves studying a company's financial statements, analyzing its competitive position, assessing its management team, and evaluating its growth prospects. By focusing on the intrinsic value of a company, We aim to identify stocks that are trading below their true worth.
Value Investing
As a value investor, We seek to identify stocks that are trading at a discount to their intrinsic value. We search for companies that have solid financials, stable cash flows, and strong balance sheets, yet are undervalued by the market due to temporary setbacks, negative sentiment, or underappreciated growth potential. We look for a margin of safety, aiming to purchase stocks at prices significantly below their intrinsic value to mitigate downside risks.
Bottom-Up Approach
We adopt a bottom-up approach, emphasizing the analysis of individual companies rather than relying heavily on macroeconomic factors or market trends. By scrutinizing each company's financials, competitive advantages, industry dynamics, and growth prospects, We strive to find stocks with the potential for long-term value creation. We believe that thorough research on individual companies can uncover hidden gems that may be overlooked by the broader market.
Long-Term Perspective
We maintain a long-term investment horizon and avoid being swayed by short-term market fluctuations or noise. We recognize that stock prices can be volatile in the short term but tend to reflect a company's true value over the long run. By holding investments for an extended period, We aim to capture the full value potential of the companies we invest in and benefit from compounding returns.
Risk Management
While searching for undervalued stocks, we also focus on risk management. We diversify my portfolio across sectors and industries to reduce exposure to any single company or market segment. We closely monitor the progress and performance of my investments and consider appropriate exit strategies if the investment thesis no longer holds or if the stock has reached its intrinsic value.
Continuous Learning
The investment landscape is ever-evolving, and We understand the importance of continuous learning and staying updated with market trends, industry developments, and emerging technologies. By expanding our knowledge and skills, We aim to make informed investment decisions and adapt to changing market conditions.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies our clients are using.
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies our clients are using.
Goals-Based Wealth Management
Uncover your needs, manage risk, and build a customized plan to help you reach your financial goals. At Morgan Stanley, Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
Learn MoreAladdin Portfolio Risk Platform
The Portfolio Risk Platform (PRP) is a state-of-the-art wealth management platform with daily refreshing analytics that enable us to identify and better understand risks in your portfolio. The Portfolio Risk Platform leverages a 3,000 factor risk model to build out an analytics suite focused on risk, historical and hypothetical scenario analysis, and proposal generation.
Learn More
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More
Spending & Budgeting Tools
Track your spending patterns, categorize expenses, create budgets, and manage your cash flow across all of your Morgan Stanley accounts, as well as those held at outside financial institutions.
Learn More
Total Wealth View
Add your external 401K, checking/savings, brokerage accounts and more to Morgan Stanley Online to see your finances all in one place with Total Wealth View. By linking your external accounts, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More
Total Tax 365
Total Tax 365 offers access to a full spectrum of solutions to help mitigate the tax drag on your portfolio, so you can keep more of what you earn and improve your after-tax return.
Learn More
Retirement Planning
Planning for retirement can be a challenge. Secure your retirement with personalized planning from our advisors.
Learn More
Long-Term Care
Planning for your long-term care in retirement can be difficult to plan for. Our services are tailored to provide you with peace of mind as you head into retirement.
Learn MoreOur Key Services
At The Corbet Group, we provide a wide array of services centered on your financial goals. We believe that identifying financial solutions begins with a solid understanding of each clients' situation, goals, objectives, and risk tolerance.
Estate Planning
Everyone has a unique vision for their legacy. We can review your estate planning strategies in an effort to preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. This can help to achieve your legacy and assist those you care about the most to preserve your wishes while also balancing the needs of your entire family. Connect with us to learn more about your options and next steps.
Learn More
Financial Planning
We're here to help manage the stress around financial decisions by offering knowledge and thoughtful guidance. As your life stage changes, so do your goals. Our platform allows you to look across your assets and liabilities to help you adapt your strategy to meet those changing demands. Whether it is saving for retirement and other expenses, securing retirement income, healthcare planning, taxes, education, or legacy planning, we’re here for you.
Learn More
Retirement Planning
Planning for retirement has never been easy, but in recent years, it has become increasingly difficult. We’re here to help you create a well-rounded planning approach for retirement. We’ll help you identify your personal goals, track your progress toward achieving them, and work together to create a customized plan.
Learn More
Professional Portfolio Management
We study investment trends and leverage the global resources of Morgan Stanley to develop a personalized investment strategy. We’ll develop a customized portfolio to help meet your requirements for growth, income, and wealth preservation within your risk constraints.
Learn More
Life Insurance
Life Insurance may be a powerful tool for investors when applied in context of other strategic decisions. It is prudent for investors to consider life insurance in combination with their overall wealth and trust, tax and estate plans so that the features of life insurance may be complementary to other decisions taken.
Learn More
Annuities
With so much uncertainty and so many investment solutions, retirees shouldn’t go it alone. Our team can help you not only evaluate and secure the appropriate annuity options from the most trusted and highest-rated issuers, but also develop investment and systematic withdrawal strategies based on your personal time horizon.
Learn MoreLocation
350 East Las Olas Blvd
Ste 1500
Ft Lauderdale, FL 33301
US
Direct:
(954) 762-3085(954) 762-3085
Meet The Corbet Group
Phone:
(954) 713-8497(954) 713-8497
Jessica Cesar Lopez
Senior Client Service Associate
Phone:
(954) 713-8478(954) 713-8478
About Margaret Corbet
Securities Agent: DE, AZ, CA, CO, DC, FL, GA, KY, MA, MD, ME, MI, NC, NH, NJ, NY, PA, RI, SC, TN, TX, UT, VA, VT, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1579575
NMLS#: 1579575
About Richard M. Corbet III
Richard Corbet III received his Bachelor's Degree in Finance from the Zarb School of Business at Hofstra University. He joined Morgan Stanley at the start of 2022 after beginning his career with Morgan Stanley's online brokerage platform E*TRADE. Richard is fully registered holding his Series 7, 63 and 66 licenses, as well as Morgan Stanley's Financial Planning Specialist designation.
Grew up in Edison, New Jersey Richard still enjoys spending the summer months in New Jersey's Long Beach Island. He currently resides in down town Fort Lauderdale, and has enjoyed his transition into the Floridian lifestyle. Richard has gotten involved in various organizations since he relocated, including serving on the Board of Directors of Equine Assisted Therapies of South Florida as well as actively participating in Emerge Broward.
In his free time Richard activities like sailing, fishing, tennis and pickleball. As an avid boater, you're likely to find him out on the water in the Barnegat Bay area!
Grew up in Edison, New Jersey Richard still enjoys spending the summer months in New Jersey's Long Beach Island. He currently resides in down town Fort Lauderdale, and has enjoyed his transition into the Floridian lifestyle. Richard has gotten involved in various organizations since he relocated, including serving on the Board of Directors of Equine Assisted Therapies of South Florida as well as actively participating in Emerge Broward.
In his free time Richard activities like sailing, fishing, tennis and pickleball. As an avid boater, you're likely to find him out on the water in the Barnegat Bay area!
Securities Agent: VT, CO, VA, ME, DC, AZ, TN, SC, MA, KS, MD, PA, NC, GA, WA, TX, MI, FL, NY, NJ, KY, DE, CA, NH, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2340022
NMLS#: 2340022
Contact Margaret Corbet
Contact Richard M. Corbet III
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Corbet Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning 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 and other legal matters.
7When 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.
8Investors 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
10Morgan 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
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Alternative 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.
13Investors 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.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Municipal 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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Structured 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.
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
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning 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 and other legal matters.
7When 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.
8Investors 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
10Morgan 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
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Alternative 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.
13Investors 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.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Municipal 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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Structured 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.
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Awards Disclosures
CRC 6491812 (04/2024)