Michael Costantino, CRPS®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor
Phone:
(607) 772-3419(607) 772-3419
The Costantino Group at Morgan Stanley
Direct:
(607) 772-3419(607) 772-3419
Toll-Free:
(800) 776-0780(800) 776-0780
Our Mission Statement
Managing family wealth with caution and wisdom to help improve the lives of our clients.
Navigating Your Wealth
At The Costantino Group, we believe that the world has begun to move at a fast pace, with a lot of noise that distracts people from making sound financial decisions. We believe that like using a GPS on any long trip, people need a guide to get them to their financial destination while managing the detours and potholes along the way. We are that trusted GPS for our clients, as we help to point them in the right direction in order to meet their goals and let them know that they have someone by their side working with them every step of the way.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Asset Management
- Business PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Defined Contribution PlansFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Lending Products
- Life InsuranceFootnote7
- Retirement PlanningFootnote8
- Trust AccountsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Why Work With Us and Awards
We always have our clients' financial journeys in mind. It is important to us that they understand the dedicated services that we provide, and how this set us apart from other advisors.
Listening before Acting
At The Costantino Group, planning and guidance are at the core of everything we do. But before we can guide you to your financial destination, we need to understand exactly where you want to go.
We are interested in listening to what you want, applying our experience to your unique circumstances, and working with you to plan accordingly. Whether it’s saving for a new car or preparing for retirement, we listen to your goals and dreams in order to understand exactly what you want to achieve.
We are interested in listening to what you want, applying our experience to your unique circumstances, and working with you to plan accordingly. Whether it’s saving for a new car or preparing for retirement, we listen to your goals and dreams in order to understand exactly what you want to achieve.
Here for You
Financial decisions can be stressful when made under uncertainty or without proper guidance. That is why our clients can feel confident in knowing that there is someone working on their behalf to understand their goals, advise on their decisions, and be available at all times to serve their needs.
We develop deep personal relationships with each and every client we serve. Our clients can feel confident that someone who cares is looking out for their best interest.
We develop deep personal relationships with each and every client we serve. Our clients can feel confident that someone who cares is looking out for their best interest.
Shaping Your Retirement
Together we will work to make decisions that could help you move towards the retirement you expect. Whether you are building retirement wealth or making the transition to income generation from your assets, we will help you develop and implement a strategy based on your unique vision for retirement.
Building Your Legacy
Estate planning typically brings together the dimensions of life; personal, family, financial, and charitable. We will work with your your tax advisor, and your attorney to understand the connections between your life and legacy goals to help develop a strategy to position your portfolio appropriately .
The Costantino Group Named to Forbes Best-In-State Wealth Management Teams 2024-2025
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023-2025) Data compiled by SHOOK Research LLC based on 12-month period concluding in March of year prior to the issuance of the award.
Read MoreSource: Forbes.com (Awarded Jan 2023-2025) Data compiled by SHOOK Research LLC based on 12-month period concluding in March of year prior to the issuance of the award.
Michael Costantino, CRPS® Named to Morgan Stanley's Century Club
Michael Costantino named to Morgan Stanley's prestigious Century Club, a group of the Firm's successful Financial Advisors.
Read MoreHow We Work
After years of experience, we have curated a set of necessary steps in order for you to feel comfortable with our team as your financial advisors, and for us to feel confident that we are able to aptly guide you to your desired financial future.
Working With You
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 allows us to work with you to craft a solution that helps meet your individual needs.
1. Fit Meeting
At the beginning of our relationship, we make sure to hold a “Fit Meeting,” where together we decide if we are a right fit. Due to how closely we work with each and every client, meeting face-to-face opens the door for an honest conversation, and ensures that we feel that our services and our clients' needs are aligned.
2. Data Collection
In this stage, we take a deep dive into clients’ current financial situation, and understand what they want to achieve. It is crucial that we understand a client’s goals for their life and hopes for the future before we begin to make a financial plan.
3. Plan Construction
After we feel we understand their current situation, we will develop a personalized plan that takes into account our clients’ preferences and objectives. Once a client sets their goals, we can collaborate to build a tailored investment plan that allocates assets and constructs a portfolio in a way that is appropriate to their unique objectives.
4. Actionable Steps
Once our clients' goals and investment plans are established, we lay out actionable steps, so that they are never in the dark about what is necessary to help keep themselves on track. From their very first investment to their first retirement distribution, we are there for our clients to monitor the health and progress of their plans.
Over the course of our relationship, we are always available to answer questions, and we meet with each and every client consistently in order to report on plan progress, discuss additional goals, and adjust plans if need be.
Over the course of our relationship, we are always available to answer questions, and we meet with each and every client consistently in order to report on plan progress, discuss additional goals, and adjust plans if need be.
IMPORTANT UPDATES FOR 2025
At The Costantino Group, we want to ensure you are up to date on the following changes for the year ahead.
Highlights of Changes for 2025
401(k) limit increases to $23,500 for 2025, IRA limit remains $7,000
Click Here to Read More
Income Tax Brackets for 2025
Depending on your taxable income, you can end up in one of seven different federal income tax brackets – each with its own marginal tax rate.
2025 Tax Tables
Social Security COLA Increase
Social Security and Supplemental Security Income (SSI) benefits for more than 72.5 million Americans will increase 2.5 percent in 2025.
SSA Fact Sheet
Valuable Tools and Resources
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of these services.
Additionally, provided are valuable resources to help you navigate everyday life. Please let us know if you have any questions.
Additionally, provided are valuable resources to help you navigate everyday life. Please let us know if you have any questions.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology, and beyond.
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GIC Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
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When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
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With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
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eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
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E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
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50 Front Street
Binghamton, NY 13905
US
Direct:
(607) 772-3419(607) 772-3419
Toll-Free:
(800) 776-0780(800) 776-0780
Fax:
(607) 722-2991(607) 722-2991
Meet The Costantino Group
Frederick Costantino Sr., CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(607) 772-3411(607) 772-3411
Lisa Phillips
Senior Registered Client Service Associate
Phone:
(607) 772-3412(607) 772-3412
About Michael Costantino
As a financial advisor, Mike takes pride in building long lasting relationships with his clients. In building the relationship and finding out his client's true aspirations, together they can figure out the path to help achieve their financial goals and personal dreams.
Mike began his career with Smith Barney in Syracuse in 2006, where he developed his fundamental knowledge of the business with hands-on experience, while studying and obtaining his Series 7 and 65 licenses. He joined the Costantino Group in 2009 with his father, Fred Sr., to take a team approach to provide personalized financial advice for individuals and families. Mike has been named to Morgan Stanley's Century Club and The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025.
Mike is an Endwell native but attended the School of Management at Syracuse University where he went on to obtain his bachelor’s degree. Since moving back into the area, he has found a drive and passion to continue to educate and advance his knowledge. He currently holds a CRPS®, Chartered Retirement Plans Specialist, designation through The College of Financial Planning.
Away from the office, Mike spends his free time staying active. He is very engaged in the community and believes in making the Binghamton area the best it can be. He tries to help the community through his membership in Rotary. Another organization he has been working closely with since 2012, is the Magic Paintbrush Project, which is not for profit which provides unique programs for individuals of all ages with developmental disabilities. Mike also enjoys all types of sports including golf, tennis, basketball and now spends a lot of time doing crossfit. He recently completed his first half marathon and a Spartan Race. If not participating in sports, Mike can be found watching sports. Most of all, he enjoys going up to see his Syracuse Orangemen play basketball, but also spends a lot of time supporting the local teams such as the Rumble Ponies and Senators. Besides sports, Mike likes to do a good amount of traveling. One of his current endeavors is to visit every Major League Baseball stadium.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Mike began his career with Smith Barney in Syracuse in 2006, where he developed his fundamental knowledge of the business with hands-on experience, while studying and obtaining his Series 7 and 65 licenses. He joined the Costantino Group in 2009 with his father, Fred Sr., to take a team approach to provide personalized financial advice for individuals and families. Mike has been named to Morgan Stanley's Century Club and The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025.
Mike is an Endwell native but attended the School of Management at Syracuse University where he went on to obtain his bachelor’s degree. Since moving back into the area, he has found a drive and passion to continue to educate and advance his knowledge. He currently holds a CRPS®, Chartered Retirement Plans Specialist, designation through The College of Financial Planning.
Away from the office, Mike spends his free time staying active. He is very engaged in the community and believes in making the Binghamton area the best it can be. He tries to help the community through his membership in Rotary. Another organization he has been working closely with since 2012, is the Magic Paintbrush Project, which is not for profit which provides unique programs for individuals of all ages with developmental disabilities. Mike also enjoys all types of sports including golf, tennis, basketball and now spends a lot of time doing crossfit. He recently completed his first half marathon and a Spartan Race. If not participating in sports, Mike can be found watching sports. Most of all, he enjoys going up to see his Syracuse Orangemen play basketball, but also spends a lot of time supporting the local teams such as the Rumble Ponies and Senators. Besides sports, Mike likes to do a good amount of traveling. One of his current endeavors is to visit every Major League Baseball stadium.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Securities Agent: HI, TN, NM, MN, GA, AZ, OK, OH, NV, MA, WI, TX, PA, NY, NH, SC, NE, MI, FL, CT, IL, RI, NJ, NC, ME, CO, ID, DC, CA, AL, AK, VA, OR, MD, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1372305
NMLS#: 1372305
About Frederick Costantino Sr.
For nearly three decades, Fred has helped clients address their financial concerns and develop sound strategies by focusing on each individual’s specific needs. With extensive experience throughout major shifts in the markets, Fred dedicated his career to delivering the personalized investment planning services his clients deserve.
Fred began his career as a Financial Advisor with Carillon Investment in Endicott, New York, where he developed his fundamental investment knowledge and Life Insurance planning. He became the branch manager and owner of The Costantino Group of Raymond James Financial Services. Fred’s focus along with his team is to provide personalized financial advice, with a concentration on planning, for families and businesses. In 1992, Fred, earned the CFP® certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025
Fred’s passion for learning doesn’t end there. Fred learned to love music and has become an excellent blues guitar player. While earning his bachelor’s degree at New York Institute of Technology, he and a few friends started a rock band, which became very popular on the north shore of Long Island. After college, he married Mary and settled in Bayville, New York. They have three children and five grandchildren.
Away from the office, Fred spends his free time with his wife, Mary. They are both very active in their church. They like to stay active both physically and mentally, whether it’s playing tennis together at the park in their neighborhood or taking regular trips to see their grandchildren. Fred especially enjoys playing his guitars, fishing and building model rockets, and the beach vacations in Florida and Maine.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Fred began his career as a Financial Advisor with Carillon Investment in Endicott, New York, where he developed his fundamental investment knowledge and Life Insurance planning. He became the branch manager and owner of The Costantino Group of Raymond James Financial Services. Fred’s focus along with his team is to provide personalized financial advice, with a concentration on planning, for families and businesses. In 1992, Fred, earned the CFP® certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025
Fred’s passion for learning doesn’t end there. Fred learned to love music and has become an excellent blues guitar player. While earning his bachelor’s degree at New York Institute of Technology, he and a few friends started a rock band, which became very popular on the north shore of Long Island. After college, he married Mary and settled in Bayville, New York. They have three children and five grandchildren.
Away from the office, Fred spends his free time with his wife, Mary. They are both very active in their church. They like to stay active both physically and mentally, whether it’s playing tennis together at the park in their neighborhood or taking regular trips to see their grandchildren. Fred especially enjoys playing his guitars, fishing and building model rockets, and the beach vacations in Florida and Maine.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Securities Agent: AK, VA, NE, OR, OK, NY, TN, SC, NV, NC, LA, MI, MA, DC, AZ, MD, CA, AL, OH, ME, ID, HI, GA, VT, RI, CT, NJ, WI, TX, NM, NH, CO, PA, MN, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1372306
NMLS#: 1372306
About Lisa Phillips
Lisa graduated from high school in 1982 and then business school in 1985.
She began her career in 1985 as a Sales Assistant with E.F. Hutton in Binghamton, NY where she developed her fundamental administrative investment knowledge. In 2000, Lisa earned the title of Senior Registered Client Service Associate by completing an approved education program and passing a rigorous examination. She then was brought on by The Costantino Group in 2010 to provide personalized administrative services to individuals and families.
For over three decades, Lisa has helped clients address their administrative concerns and focused on each individuals need. With extensive experience throughout the industry, Lisa has dedicated her career to getting to know each client personally and deliver the services the clients deserve.
Away from the office Lisa spends her free time with her fiancé' Al. Al is a Special Education Teacher at a local school district. Her daughter Laura recently moved to Fort Myers, Florida and is a Certified Dental Assistant. Lisa also has two step daughters, Michaela and Stephanie. Michaela, is a Pharmaceutical Recruiter in Rochester, NY and Stephanie, is an Engineer in Endicott, NY. Lisa loves reading, working in her flower garden and hiking. She also enjoys spending weekends cooking in the kitchen.
She began her career in 1985 as a Sales Assistant with E.F. Hutton in Binghamton, NY where she developed her fundamental administrative investment knowledge. In 2000, Lisa earned the title of Senior Registered Client Service Associate by completing an approved education program and passing a rigorous examination. She then was brought on by The Costantino Group in 2010 to provide personalized administrative services to individuals and families.
For over three decades, Lisa has helped clients address their administrative concerns and focused on each individuals need. With extensive experience throughout the industry, Lisa has dedicated her career to getting to know each client personally and deliver the services the clients deserve.
Away from the office Lisa spends her free time with her fiancé' Al. Al is a Special Education Teacher at a local school district. Her daughter Laura recently moved to Fort Myers, Florida and is a Certified Dental Assistant. Lisa also has two step daughters, Michaela and Stephanie. Michaela, is a Pharmaceutical Recruiter in Rochester, NY and Stephanie, is an Engineer in Endicott, NY. Lisa loves reading, working in her flower garden and hiking. She also enjoys spending weekends cooking in the kitchen.
Contact Michael Costantino
Contact Frederick Costantino Sr.
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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.
2Morgan 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.
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.
4When 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.
5Morgan 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 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
9Morgan 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.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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.
4When 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.
5Morgan 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 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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9Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
