Gary Peppel, CIMA®
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(414) 256-1644(414) 256-1644
The Cornerstone Group Milwaukee at Morgan Stanley
Direct:
(262) 523-8300(262) 523-8300
Toll-Free:
(800) 558-7505(800) 558-7505
Our Mission Statement
The biggest question our clients have prior to working with us is: Will I have enough money to last the rest of my lifetime? The Cornerstone Group at Morgan Stanley aims to provide greater confidence for our clients that their financial plan is designed to achieve this security, so our clients can pursue their own passions, dreams, and desired lifestyle.
Welcome
As your Financial Advisors, our mission is to help make your wealth work as hard as it can. To accomplish this goal, we must ask the right questions, find appropriate strategies and put all of our experience and resources at Morgan Stanley to work for you. You can count on us to understand the life you envision, and only then can we help create wealth management strategies aimed at meeting the objectives that matter most to you.
Our goal is to provide open and clear communication, objective advice, and a genuine concern for your financial well-being. Our vision is to be your go to financial services provider through deep financial knowledge, unquestionable integrity, and service designed around our client's needs.
Our goal is to provide open and clear communication, objective advice, and a genuine concern for your financial well-being. Our vision is to be your go to financial services provider through deep financial knowledge, unquestionable integrity, and service designed around our client's needs.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
THOUGHTFUL, COMPREHENSIVE, AND GOAL-DRIVEN WEALTH MANAGEMENT
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs.
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
• Personal
• Highly individualized and committed to helping you achieve financial success
• Flexible
• Responsive to changes in your life and in your priorities over time
• Comprehensive
• Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
• Personal
• Highly individualized and committed to helping you achieve financial success
• Flexible
• Responsive to changes in your life and in your priorities over time
• Comprehensive
• Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
1: Introduction & Discovery
We begin working with you by having an open conversation to understand your financial situation. This is our opportunity to learn about you and your opportunity to learn about us. We explore a host of qualitative and quantitative questions and request relevant supporting documents so that we have a complete understanding of your current situation and future goals.
2: Review & Analyze
Once we have a firm understanding of your finances, fears, and desired outcomes, we establish a strategy based on your short, medium, and long-term objectives. Our goal is to construct a plan which encompasses every important detail of your life. This prompts additional discussion with you and further revision to the plan as clarity surrounding your future improves.
3: Implement
With your approval, we begin to implement the plan. This often encompasses a broad range of strategies – from investments and insurance to lending and estate planning. If necessary, we can introduce you to additional professionals, such as a CPA or estate attorney, to help implement our recommendations.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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
4: Ongoing Review
We believe that every relationship counts. Therefore, we work with a limited number of clients and families to ensure thoughtful advice and impeccable service. We meet regularly to make sure your plan remains current and to review your progress.
Our Process
The Cornerstone Group's financial planning process begins with you, your investment objectives and your financial goals. Our approach is holistic and encompasses all the elements of your financial life; from your investments and cash management needs, to ensuring that your intentions align with your goals and wealth management strategy. Whether your financial goal may be to grow your wealth, preserve it, or pass it on to others, you can count on our team to work with you to create a tailored strategy to get you there.
Goals Planning System
Our Goals Planning System (GPS) is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
View the video
Sample Retirement Goal Planning Draft Report
To gain a better understanding of how the GPS system works, we've provided a sample retirement goal planning report. This is intended to demonstrate the type of report that your advising team can create for you.
Sample Goal Planning Analysis
Intelligent Withdrawals
As an investor, you have built your wealth over time. As financial advisors, we now have enhanced tools to look over your entire portfolio to find the most tax-efficient way to liquidate assets.
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your accounts with our Spending and Budgeting Tool. We make it easy for you to oversee trends in your financial life.
Learn MoreOUR DIGITAL OFFERINGS
We believe that digital technology plays a crucial role in how our clients 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 allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk PlatformMonthly Outlooks & Updates
The Cornerstone Group strives to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
How to Prepare for Tax Day
The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.
Learn More
2024 Federal Income Tax Tables
To better assist you with this year's tax filing, please find below the 2024 Tax Tables for your reference.
Learn More
Direct Indexing
Capital gains taxes are a fact of life, especially in volatile markets. But working with our team, we can work towards lowering your tax burden using sophisticated strategies like direct indexing.
Learn More
Global Investment Committee: On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below.
Learn MoreLocation
20975 Swenson Drive
Suite 300
Waukesha, WI 53186
US
Direct:
(262) 523-8300(262) 523-8300
Toll-Free:
(800) 558-7505(800) 558-7505
411 E. Wisconsin Ave.
22nd Floor
Milwaukee, WI 53202
US
Direct:
(414) 226-3009(414) 226-3009
Meet The Cornerstone Group Milwaukee
Daniel Doyle, CMFC®, CRPC®
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(262) 523-8304(262) 523-8304
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Portfolio Management Director
Phone:
(262) 523-8370(262) 523-8370
Phone:
(414) 266-5161(414) 266-5161
Amanda P. Carlson
Registered Client Service Associate*
Phone:
(262) 523-8323(262) 523-8323
Kayla J. Cardoza, CFP®*
Wealth Management Associate
Phone:
(262) 523-8371(262) 523-8371
Erin McGrath
Portfolio Associate, Financial Planning Specialist*
Phone:
(414) 256-2546(414) 256-2546
About Gary Peppel
Gary Peppel is a lifelong resident of Wisconsin. Gary holds a Bachelor of Science in Electrical Engineering and a Master of Business Administration both from Marquette University. In 2009, Gary completed the Certified Investment Management Analyst® program through the Wharton School at the University of Pennsylvania. He was awarded the Five Star Wealth Manager Award each year from 2012-2024 for his high level of knowledge and service to clients.
Gary has been with Morgan Stanley since 1995. Gary uses his 29 years of retirement planning experience to educate his clients on ways to safely grow their investment portfolios, reduce taxes and provide more income over their lifetime.
Dan Doyle joins Gary as the other financial advisor making up the Cornerstone Group. Amanda Carlson is the team’s client service associate. Together, the team members have over 50 years of investment industry experience. Based in the Brookfield, Wisconsin office of Morgan Stanley, they serve clients located throughout the United States.
Gary lives in Hartland, Wisconsin with his wife Julie. They have two sons, Zach and Matthew. Outside of the office, his family spends their time golfing, boating, fishing, camping, skiing, playing tennis and just about any outdoor activity. Their family are all active members of Divine Redeemer Lutheran Church in Hartland.
Five Star Wealth Advisor Award
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
Awards Disclosures
2012 Award - 09/6/2011 through 05/5/2012
2013 Award - 09/6/2012 through 05/5/2013
2014 Award - 09/6/2013 through 05/5/2014
2015 Award - 09/6/2014 through 05/5/2015
2016 Award - 09/6/2015 through 05/5/2016
2017 Award - 09/30/2016 through 04/17/2017
2018 Award - 10/3/2017 through 04/18/2018
2019 Award - 09/17/2018 through 04/12/2019
2020 Award -09/16/2019 through 04/10/2020
2021 Award - 09/7/2020 through 04/9/2021
2022 Award - 09/27/2021 through 03/25/2022
2023 Award - 09/12/2022 through 03/31/2023
2024 Award - 09/12/2023 through 03/29/2024
Gary has been with Morgan Stanley since 1995. Gary uses his 29 years of retirement planning experience to educate his clients on ways to safely grow their investment portfolios, reduce taxes and provide more income over their lifetime.
Dan Doyle joins Gary as the other financial advisor making up the Cornerstone Group. Amanda Carlson is the team’s client service associate. Together, the team members have over 50 years of investment industry experience. Based in the Brookfield, Wisconsin office of Morgan Stanley, they serve clients located throughout the United States.
Gary lives in Hartland, Wisconsin with his wife Julie. They have two sons, Zach and Matthew. Outside of the office, his family spends their time golfing, boating, fishing, camping, skiing, playing tennis and just about any outdoor activity. Their family are all active members of Divine Redeemer Lutheran Church in Hartland.
Five Star Wealth Advisor Award
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
Awards Disclosures
2012 Award - 09/6/2011 through 05/5/2012
2013 Award - 09/6/2012 through 05/5/2013
2014 Award - 09/6/2013 through 05/5/2014
2015 Award - 09/6/2014 through 05/5/2015
2016 Award - 09/6/2015 through 05/5/2016
2017 Award - 09/30/2016 through 04/17/2017
2018 Award - 10/3/2017 through 04/18/2018
2019 Award - 09/17/2018 through 04/12/2019
2020 Award -09/16/2019 through 04/10/2020
2021 Award - 09/7/2020 through 04/9/2021
2022 Award - 09/27/2021 through 03/25/2022
2023 Award - 09/12/2022 through 03/31/2023
2024 Award - 09/12/2023 through 03/29/2024
Securities Agent: MD, MN, OH, NE, GA, CO, WI, TN, MO, MI, UT, TX, NC, KY, CA, VA, OR, NJ, ID, IA, HI, AL, NH, NM, DE, WY, NV, LA, KS, FL, VT, SC, IN, DC, WV, PA, NY, MA, CT, IL, AZ, AR, WA, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1799773
NMLS#: 1799773
About Daniel Doyle
Dan joined Morgan Stanley in 2005. He graduated from Marquette University with a degree in finance. Dan attained the Chartered Mutual Fund Counselor (CMFC) and Chartered Retirement Planning Counselor (CRPC) professional designations from the College for Financial Planning and Financial Planning Specialist designation from Morgan Stanley. Dan lives in Milwaukee and is a lifelong resident of Wisconsin.
Securities Agent: TX, FL, WV, LA, CT, AZ, OR, NJ, KY, MO, MN, MD, ID, NV, DC, GA, AL, NH, KS, VA, WY, WA, MA, IA, HI, CO, AR, WI, IL, UT, PA, OH, NY, NE, NC, IN, VT, MI, CA, TN, SC, MT, DE, NM; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1911094
NMLS#: 1911094
About Timothy Moriarty
Tim is an Executive Director and member of Morgan Stanley’s prestigious Master’s Club since 2020, has been a financial advisor since 1991. In addition, he maintains the Morgan Stanley designations Senior Investment Management Consultant and Portfolio Management Director.
Using a comprehensive approach to asset management, Tim has succeeded in assisting families and individuals in the development and achievement of their long term financial goals for over thirty years.
Tim and his wife, Connie, live in Genesee, WI and have two adult daughters, Alex and Ryan.
Using a comprehensive approach to asset management, Tim has succeeded in assisting families and individuals in the development and achievement of their long term financial goals for over thirty years.
Tim and his wife, Connie, live in Genesee, WI and have two adult daughters, Alex and Ryan.
Securities Agent: PA, AR, TX, DE, CT, WV, VA, TN, MT, IN, IL, PR, MS, LA, IA, DC, MA, KY, AZ, AL, WA, RI, MD, HI, VT, UT, OH, NJ, CA, SC, MI, GA, WY, NY, NE, WI, NH, NC, MO, ID, CO, OR, NV, NM, MN, KS, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1370981
CA Insurance License #: 0L27733
NMLS#: 1370981
CA Insurance License #: 0L27733
About Steve Fischer
Securities Agent: WI, KS, MO, ID, NH, OR, NJ, AL, SC, IA, GA, DC, CT, WV, WA, TX, TN, IL, FL, CA, NC, DE, AR, VA, NM, MD, KY, PA, OH, MA, LA, CO, WY, VT, NE, MN, UT, NV, MT, IN, HI, AZ, NY, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1832945
NMLS#: 1832945
About Amanda P. Carlson
Amanda currently provides support to Dan and Gary through client communications and daily operations. By taking most operational tasks off their plate, Gary and Dan are provided more time to build relationships and assist clients. Amanda has been working in the financial services industry for 21 years and joined the Cornerstone Group at the end of 2021. Prior to joining Morgan Stanley and the team, Amanda spent almost two decades working across various areas of the industry- from finance manager, to mortgage banking, and retirement planning.
Amanda found her motivation for working in financial services because she truly enjoys helping others reach their goals and accomplish their dreams. She understands that finances are not always an easy topic to discuss, so she strives to make clients feel comfortable having those conversations.
Amanda graduated from the University of Wisconsin in 2010 with a major in Economics & Communication and a minor in Organizational Administration. She lives with her husband, 2 children and 2 adopted dogs. Amanda enjoys spending her free time traveling, enjoying outdoor activities, crocheting and spending time with family and friends.
*This role cannot solicit or provide investment advice.
Amanda found her motivation for working in financial services because she truly enjoys helping others reach their goals and accomplish their dreams. She understands that finances are not always an easy topic to discuss, so she strives to make clients feel comfortable having those conversations.
Amanda graduated from the University of Wisconsin in 2010 with a major in Economics & Communication and a minor in Organizational Administration. She lives with her husband, 2 children and 2 adopted dogs. Amanda enjoys spending her free time traveling, enjoying outdoor activities, crocheting and spending time with family and friends.
*This role cannot solicit or provide investment advice.
About Kayla J. Cardoza, CFP®*
Kayla is a Wealth Management Associate at Morgan Stanley. She has over 18 years of experience in the investment industry and rejoined Morgan Stanley in February 2020. Kayla supports The Cornerstone Group with administrative functions as well as building Financial Plans. Kayla sets high standards and expectations to meet each client’s needs by helping in a timely, friendly, and initiative-taking manner. She holds her security licenses (FINRA Series 7 and 66) as well as being a CERTIFIED FINANCIAL PLANNER™ professional.
Kayla graduated from the University of Wisconsin-Milwaukee with commencement
honors and Bachelor of Fine Arts degree in Painting and Drawing with a minor in
Business Administration. She also holds a Bachelor of Fine Arts in Education.
Kayla currently resides in Menomonee Falls with her husband John and son Kellen. She enjoys spending time with her family and friends, cooking, painting, and hiking.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
*This role cannot solicit or provide investment advice.
Kayla graduated from the University of Wisconsin-Milwaukee with commencement
honors and Bachelor of Fine Arts degree in Painting and Drawing with a minor in
Business Administration. She also holds a Bachelor of Fine Arts in Education.
Kayla currently resides in Menomonee Falls with her husband John and son Kellen. She enjoys spending time with her family and friends, cooking, painting, and hiking.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
*This role cannot solicit or provide investment advice.
CA Insurance License #: 4308438
About Erin McGrath
Erin is a Financial Planning Specialist and Portfolio Associate at Morgan Stanley. She has been with Morgan Stanley since 2006. A graduate of Rutgers University- New Brunswick, Erin was born and raised in New Jersey. She moved to Milwaukee soon after graduation and immediately began her career with Morgan Stanley.
Erin has intimate knowledge of corporate processes and procedures. She is highly skilled at solving problems and delivering high-level client service. Erin is dedicated to building personal and professional relationships with clients, while supporting the needs of the financial advisors.
Erin lives in New Berlin with her husband and two children. Outside of the office, she enjoys travelling, volunteering, leading her daughter’s Girl Scout troop, and watching her son play every sport possible. Periodically, Erin travels home to the East Coast to visit family and friends.
*This role cannot solicit or provide investment advice.
Erin has intimate knowledge of corporate processes and procedures. She is highly skilled at solving problems and delivering high-level client service. Erin is dedicated to building personal and professional relationships with clients, while supporting the needs of the financial advisors.
Erin lives in New Berlin with her husband and two children. Outside of the office, she enjoys travelling, volunteering, leading her daughter’s Girl Scout troop, and watching her son play every sport possible. Periodically, Erin travels home to the East Coast to visit family and friends.
*This role cannot solicit or provide investment advice.
Contact Gary Peppel
Contact Daniel Doyle
Contact Timothy Moriarty
Contact Steve Fischer
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Tyson Abert
Senior Private Banker
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
Wealth Management
Global Investment Office
Portfolio Insights
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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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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Cornerstone Group Milwaukee today.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3When 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.
4Morgan 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.
5Morgan 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
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 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.
3When 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.
4Morgan 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.
5Morgan 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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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.
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Awards Disclosures
CRC 6491812 (04/2024)
