Jeff D Nolde, CFP®
Executive Director, Financial Advisor, Workplace Advisor - Equity Compensation, Family Wealth Director, Global Sports and Entertainment Director
Phone:
(404) 266-6328(404) 266-6328
The DESIGN Group at Morgan Stanley
Direct:
(404) 266-5922(404) 266-5922
Toll-Free:
(800) 688-6002(800) 688-6002
Our Mission Statement
Our mission is to help families align their finances with their values.
Our Story and Services
At The DESIGN group at Morgan Stanley, our mission is to help you align your financial plan with your values, so you may pursue - and achieve - your unique purpose. As our name implies, we can help enable you to accomplish your personal goals by taking into account the following key elements of your individual and unique "DESIGN" (Drives Experiences Spirituality Impact Genius Nature).
As your personal wealth advisors, we focus on helping you articulate your needs and aspirations, as we review all aspects of your financial health. We then work with you to build a comprehensive program that is custom-designed to proactively help move you toward stronger levels of financial well-being.
Our ultimate purpose is to give you every opportunity to help attain your personal and financial objectives, so you may take care of the people you love, spend more time pursuing the activities you enjoy, and make an impact on the causes you believe in most.
When we begin to work with you, we will ask you a set of personal and thought-provoking questions to truly get to know you and understand your personal priorities. This will enable us to custom-design a program that helps address your needs and desires and has the ability to evolve with you over time.
As your personal wealth advisors, we focus on helping you articulate your needs and aspirations, as we review all aspects of your financial health. We then work with you to build a comprehensive program that is custom-designed to proactively help move you toward stronger levels of financial well-being.
Our ultimate purpose is to give you every opportunity to help attain your personal and financial objectives, so you may take care of the people you love, spend more time pursuing the activities you enjoy, and make an impact on the causes you believe in most.
When we begin to work with you, we will ask you a set of personal and thought-provoking questions to truly get to know you and understand your personal priorities. This will enable us to custom-design a program that helps address your needs and desires and has the ability to evolve with you over time.
Sample of Key Questions We Ask When Creating Your Personal DESIGN:
- Drives: What excites you? What motivates you?
- Experiences: What are the high points and low points of your life? How did they shape you to be the person you are today and/or prepare you for tomorrow? Who are the people in your life who have made a significant impact on who you are today? Why?
- Spiritual: How does spirituality affect your financial decision making?
- Impact: What arena of life do you hope to make the biggest impact (politics, business, church, economy, charity, other)? If time, money, or education were not an issue, what would you do?
- Genius: What do you do repeatedly, successfully, and joyfully? What do you do extemely well?
- Nature: What is your personality? How are you hard-wired?
Services Include
- Executive Financial ServicesFootnote1
- Financial PlanningFootnote2
- Business PlanningFootnote3
- Divorce Financial AnalysisFootnote4
- Estate Planning StrategiesFootnote5
- Philanthropic Services
- Planning for Education FundingFootnote6
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote7
- Wealth ManagementFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Five Step Client Engagement Model:
1. Discovery Meeting
In our discovery meeting, there are seven areas of the client's total client profile we are trying to understand: values, goals, relationships, assets, advisors, process, and interests.
2. Investment Plan Meeting
At this meeting, we present our diagnostic of your current situation and our recommendations for how we can help bridge the gaps in order for you to reach your goals. This plan forms the foundation for all our work together.
3. Mutual Commitment Meeting
At this meeting, we decide if we are mutually a good fit for each other. We only want to bring on the clients we feel we can add value to their solution. Should we both choose to work together, we would execute the documents necessary to put your investment plan into motion.
4. 45-Day Follow-Up Meeting
At this meeting, we help you get organized. We also answer any questions you may have so that you understand exactly what is happening with your money.
5. Regular Process Meetings
We review any major changes in your personal or financial situation as well as your overall progress toward your long-term financial goals. We will provide you your wealth management plan at our first Regular Progress Meeting so that we can prioritize those areas of greatest importance to you and then begin to address them systematically.
Your Legacy
Will your legacy be by default or by design?
At the Design Group, we cover Estate Planning and Legacy Planning, as well as how to talk about these topics with your family. Our objective is to guide you through these conversations that are often difficult to start.
At the Design Group, we cover Estate Planning and Legacy Planning, as well as how to talk about these topics with your family. Our objective is to guide you through these conversations that are often difficult to start.
Estate Planning
Who are the key players in your estate plan? Do they know each other? Will they work well together without you involved?
Click here to learn more
Your Values
Identify the values most important to you, your spouse and your family. Schedule time to hear each other’s answers; identify your common values.
Click here to learn more
Your Story
What is the wisdom behind the wealth that will have the biggest impact on your future generations?
Click here to learn more
Communicating with Your Rising Generation
How to create a two-way conversation with your heirs about your financial plans.
Click here to learn more
Roadmap for Enagagement
Pick your topic of focus. Work with your team of advisors on execution. We’ve included the tools and steps to get started.
Click here to learn moreResources
Morgan Stanley Total Tax 365
Click here for 365 BrochurePlaybook: Your Guide to Life and Money
Click here for PlaybookCommunity Involvement
• Boys & Girls Club
• North Point: Global(x)
• Lighthouse Family Retreat
• JDRF - Juvenile Diabetes Research Fund
• Georgia State University
• University of Georgia
• Children's Healthcare of Atlanta
• Girls on the Run
• Preemptive Love Coalition
• CURE Childhood Cancer
• Buckhead Church
• Compassion International
• Atlanta Mission
• North Point: Global(x)
• Lighthouse Family Retreat
• JDRF - Juvenile Diabetes Research Fund
• Georgia State University
• University of Georgia
• Children's Healthcare of Atlanta
• Girls on the Run
• Preemptive Love Coalition
• CURE Childhood Cancer
• Buckhead Church
• Compassion International
• Atlanta Mission
Location
3280 Peachtree Rd NE
Suite 1900
Atlanta, GA 30305
US
Direct:
(404) 266-5922(404) 266-5922
Toll-Free:
(800) 688-6002(800) 688-6002
Meet The DESIGN Group
Phone:
(404) 266-6026(404) 266-6026
Taylor Gayle, CEPA®
Vice President, Financial Advisor
Phone:
(404) 266-5964(404) 266-5964
Ashley Brown, CFP®
Wealth Management Associate
Phone:
(404) 266-5922(404) 266-5922
Paige Calman
Registered Client Service Associate
Phone:
(404) 266-6034(404) 266-6034
Kiu Chan
Assistant Vice President, Wealth Management Associate
Phone:
(404) 266-5953(404) 266-5953
About Jeff D Nolde
When I first started out in this business in 1998, I aspired to make a difference in people’s lives, what I didn’t anticipate was the amazing impact my clients would make on my life.
I loved the business side of economics, I loved helping people “succeed,” and more than anything I loved the relationship side of working with families. Throughout my career I have been surrounded by some great mentors that challenged me to reevaluate my definition of success and how it would impact relationships, legacy and an individual or family’s driving purpose.
In 2011, we opted to launch a new team, the DESIGN Group focused on the pursuit of Life on Purpose in Balance. Our mission is to help families align their values with their finances. We believe through intentional planning we can help coach a family to incorporate their Drives, Experiences, Spirituality, Impact, Genius and Nature into their own values based financial plan. Of course, there is no certainty in the road ahead, so we strive to build our plans on timeless principles and truths implemented with discipline that will preserve through the challenges of life.
As a husband to Tracie, father to Camden, Chase & Kennedy, partner of the DESIGN Group at Morgan Stanley and dedicated man of the community, I am eternally grateful for those who have poured into my story. I look forward to paying it forward and serving your family as we help align your unique DESIGN with your values based plan.
I loved the business side of economics, I loved helping people “succeed,” and more than anything I loved the relationship side of working with families. Throughout my career I have been surrounded by some great mentors that challenged me to reevaluate my definition of success and how it would impact relationships, legacy and an individual or family’s driving purpose.
In 2011, we opted to launch a new team, the DESIGN Group focused on the pursuit of Life on Purpose in Balance. Our mission is to help families align their values with their finances. We believe through intentional planning we can help coach a family to incorporate their Drives, Experiences, Spirituality, Impact, Genius and Nature into their own values based financial plan. Of course, there is no certainty in the road ahead, so we strive to build our plans on timeless principles and truths implemented with discipline that will preserve through the challenges of life.
As a husband to Tracie, father to Camden, Chase & Kennedy, partner of the DESIGN Group at Morgan Stanley and dedicated man of the community, I am eternally grateful for those who have poured into my story. I look forward to paying it forward and serving your family as we help align your unique DESIGN with your values based plan.
Securities Agent: FL, WI, TN, KY, GA, AL, TX, OK, MN, MD, CT, RI, OR, NH, MT, AR, WA, VA, MA, AZ, SC, PA, NM, NJ, DC, WV, OH, NE, NC, HI, DE, CA, KS, IN, CO, NY, MI, ME, LA, PR, MS, MO, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282358
NMLS#: 1282358
About Andy Wise
My perspective on values-based financial planning has been shaped by my experience of learning from my father as a business owner, from my education, and lastly from a life changing event in my thirties.
I would describe my father as a “Family Steward,” which means when he is not at work, his focus has been being with his family. His successes with veterinary medicine coupled with his struggles in finding a wealth management advocate is what has inspired me to focus my practice on helping other “Family Stewards” to plan to accumulate/preserve their financial wealth. Coming from a family of three generations of veterinarians, there has always been an emphasis on education in my family. My MBA and CFP® background allows me to explain complex financial topics in a way that clients can understand and then make sound financial decisions.
February 8, 2007 was the day I was diagnosed with type 1 diabetes (T1D). For my clients, replace T1D with other life surprises: divorce, loss of job, loss of family member, incurable disease, disabled child, etc. I believe if we can understand our client’s value system and help them match their financial resources to what’s most important to them, then we can try to anticipate life’s wrinkles and together accomplish great things!
My commitment to my clients is to be there over time, educating them along the way. If I can empower my clients to be great family stewards of their money, then I will be fulfilling my purpose.
I would describe my father as a “Family Steward,” which means when he is not at work, his focus has been being with his family. His successes with veterinary medicine coupled with his struggles in finding a wealth management advocate is what has inspired me to focus my practice on helping other “Family Stewards” to plan to accumulate/preserve their financial wealth. Coming from a family of three generations of veterinarians, there has always been an emphasis on education in my family. My MBA and CFP® background allows me to explain complex financial topics in a way that clients can understand and then make sound financial decisions.
February 8, 2007 was the day I was diagnosed with type 1 diabetes (T1D). For my clients, replace T1D with other life surprises: divorce, loss of job, loss of family member, incurable disease, disabled child, etc. I believe if we can understand our client’s value system and help them match their financial resources to what’s most important to them, then we can try to anticipate life’s wrinkles and together accomplish great things!
My commitment to my clients is to be there over time, educating them along the way. If I can empower my clients to be great family stewards of their money, then I will be fulfilling my purpose.
Securities Agent: MS, HI, SC, MA, GA, FL, DE, AL, NE, MO, AZ, TX, MT, IN, CT, PR, NY, DC, AR, OK, MD, LA, IL, CA, VA, OH, KY, CO, PA, NJ, WV, WI, OR, NM, NC, MN, RI, KS, WA, TN, NH, MI, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265104
NMLS#: 1265104
About Taylor Sketch
Like many, my family was impacted by the financial crisis of the early 2000s. My Dad worked extremely hard to build a high quality life for my family. He built our financial future on the principles of spending less than he earned, holding little to no debt, and saving for the things that were important to my family. He made the best decisions with the knowledge and resources available to him. Even still, his prudence, discipline, and hard work were not able to avoid the inevitable crash of the financial markets.
The majority of our family’s assets were comprised of company stock, option bonus plans, and 401k assets with the company my dad worked for throughout my childhood. As our family’s assets came crashing down with the value of the company, fear consumed my parents’ hope for a future they once saw as a certainty. This experience, however, did not define my family. My parents’ determination and fortitude empowered them to rise to the challenge of rebuilding. Their determination shaped my perspective, influencing me to become a focused professional whose core desire is to succeed with and for others.
From playing baseball at the NCAA level, to leading community groups, and now as a Financial Advisor with The DESIGN Group at Morgan Stanley, I feel most fulfilled by achieving goals when I am part of a team. I see our clients as part of that team, aligning their financial goals with their values, and creating a plan to achieve those goals. Throughout my career, I have been fortunate to have great leaders and mentors who persistently drive me to the highest standards. I also rely on the founding principles of resilience and resolve that I learned from my parents.
My experiences and the acute understanding that life can change and upend plans for the future gives me a strong desire to equip families for what lies ahead. My personal mission is to help families realize their goals. Working together, we create a tailored plan that prepares them for the inevitable uncertainties that lie between setting goals and achieving them.
As a husband, son, brother, and active member of our community, I am thankful for the opportunities to serve and be impacted by others. I am proud of the first-class service we provide each client and welcome the opportunity to deliver the same level of excellence to you and your family.
The majority of our family’s assets were comprised of company stock, option bonus plans, and 401k assets with the company my dad worked for throughout my childhood. As our family’s assets came crashing down with the value of the company, fear consumed my parents’ hope for a future they once saw as a certainty. This experience, however, did not define my family. My parents’ determination and fortitude empowered them to rise to the challenge of rebuilding. Their determination shaped my perspective, influencing me to become a focused professional whose core desire is to succeed with and for others.
From playing baseball at the NCAA level, to leading community groups, and now as a Financial Advisor with The DESIGN Group at Morgan Stanley, I feel most fulfilled by achieving goals when I am part of a team. I see our clients as part of that team, aligning their financial goals with their values, and creating a plan to achieve those goals. Throughout my career, I have been fortunate to have great leaders and mentors who persistently drive me to the highest standards. I also rely on the founding principles of resilience and resolve that I learned from my parents.
My experiences and the acute understanding that life can change and upend plans for the future gives me a strong desire to equip families for what lies ahead. My personal mission is to help families realize their goals. Working together, we create a tailored plan that prepares them for the inevitable uncertainties that lie between setting goals and achieving them.
As a husband, son, brother, and active member of our community, I am thankful for the opportunities to serve and be impacted by others. I am proud of the first-class service we provide each client and welcome the opportunity to deliver the same level of excellence to you and your family.
Securities Agent: KS, FL, WI, CO, WV, OH, MO, ME, DC, CA, TN, PA, MD, LA, AZ, MI, KY, AR, AL, SC, PR, MN, IL, CT, TX, OR, HI, GA, VA, OK, NJ, MA, WA, NH, NE, NC, MT, MS, DE, NY, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1940919
NMLS#: 1940919
About Taylor Gayle
In my first professional career, I was the clinic director and lead physical therapist at an orthopedic clinic in Alpharetta, GA. It was due to an unfortunate injury that led Jeff Nolde and I to meeting, but he proved to be the most influential patient I came across. Both professionally and personally he became a mentor to me and I officially joined the DESIGN Group midyear of 2017.
As great an impact as I was making on peoples’ physical health, I kept feeling that the scope of my abilities to impact people in my community could be greater in helping improve their financial health. This was ultimately the catalyst in transitioning into what I feel I was designed to do.
Like a personal trainer guides you along the way to helping achieve your short and long-term goals, I strive to provide a financial planning framework that potentially allows clients the ability to do the same with their passions in life.
In my free time I enjoy competitive sports, outdoor activities, and surrounding myself with friends and family. I’m involved in the local community mostly through functions of Buckhead Church. My career is just as enjoyable now that I’m on a team of like-minded individuals, and we look forward to helping empower clients to achieve their goals.
As great an impact as I was making on peoples’ physical health, I kept feeling that the scope of my abilities to impact people in my community could be greater in helping improve their financial health. This was ultimately the catalyst in transitioning into what I feel I was designed to do.
Like a personal trainer guides you along the way to helping achieve your short and long-term goals, I strive to provide a financial planning framework that potentially allows clients the ability to do the same with their passions in life.
In my free time I enjoy competitive sports, outdoor activities, and surrounding myself with friends and family. I’m involved in the local community mostly through functions of Buckhead Church. My career is just as enjoyable now that I’m on a team of like-minded individuals, and we look forward to helping empower clients to achieve their goals.
Securities Agent: NY, TX, ME, KY, KS, PR, OR, MS, MD, DC, PA, NJ, NH, MI, IN, OK, NC, MO, WV, MA, WA, SC, HI, GA, DE, CO, AR, VA, NE, MN, LA, CT, CA, AZ, WI, TN, OH, NM, IL, AL, RI, MT, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1744852
NMLS#: 1744852
About Ashley Brown, CFP®
Growing up, I knew I wanted to pursue a profession that would not only help people, but could have a meaningful impact on the quality of their lives. I wanted to serve others and be recognized as someone who would be there to provide guidance and offer a safe place to share fears and concerns. I also wanted to help people manage financial stress, as this was something I struggled with first-hand.
I attended Georgia Southern University to earn a degree in Exercise Physiology. Through my life experiences, I discovered my true passion to combine my desire to help others with my interest in finance and investing. I began my career at E*TRADE Financial, where I became immersed in learning the ins and outs of the financial services industry. I developed a clear picture of how I could really help people pursue their personal definition of financial freedom. And I learned that while life is unpredictable, there are steps individuals can take now that seek to prepare for future hardships, overcome challenges and achieve both short- and long-term goals.
As a Registered Client Service Associate of The DESIGN Group at Morgan Stanley, I play a pivotal role in helping our clients manage various aspects of their financial lives. I am most excited about helping make an impact on future generations as I interact and build relationships with our clients today.
I attended Georgia Southern University to earn a degree in Exercise Physiology. Through my life experiences, I discovered my true passion to combine my desire to help others with my interest in finance and investing. I began my career at E*TRADE Financial, where I became immersed in learning the ins and outs of the financial services industry. I developed a clear picture of how I could really help people pursue their personal definition of financial freedom. And I learned that while life is unpredictable, there are steps individuals can take now that seek to prepare for future hardships, overcome challenges and achieve both short- and long-term goals.
As a Registered Client Service Associate of The DESIGN Group at Morgan Stanley, I play a pivotal role in helping our clients manage various aspects of their financial lives. I am most excited about helping make an impact on future generations as I interact and build relationships with our clients today.
About Paige Calman
I joined The DESIGN Group as a Client Service Associate, having previously served as Fifth Grade Teacher.
I always knew I wanted a job where I could help people. I felt that I had made an impact in teaching, but over time, teaching was no longer the fit for me that it had once been. I decided I wanted to make a change and transition into something that aligned more closely with who I was becoming as a person. I had recently taken up an interest in finance and investing and wanted to work somewhere where I could explore this interest, continue to learn, and pass on my knowledge to help others. At heart, I am a people person who values personal relationships, and this is the primary element that drew me to The DESIGN Group.
As a Client Service Associate, I focus primarily on estate processing and 529 funding. I graduated from Kennesaw State University and currently live in Atlanta. Outside of the office, I enjoy working out and spending time with loved ones.
I always knew I wanted a job where I could help people. I felt that I had made an impact in teaching, but over time, teaching was no longer the fit for me that it had once been. I decided I wanted to make a change and transition into something that aligned more closely with who I was becoming as a person. I had recently taken up an interest in finance and investing and wanted to work somewhere where I could explore this interest, continue to learn, and pass on my knowledge to help others. At heart, I am a people person who values personal relationships, and this is the primary element that drew me to The DESIGN Group.
As a Client Service Associate, I focus primarily on estate processing and 529 funding. I graduated from Kennesaw State University and currently live in Atlanta. Outside of the office, I enjoy working out and spending time with loved ones.
About Kiu Chan
I joined The DESIGN Group as a Wealth Management Associate. Prior to the DESIGN Group, I was a Complex Risk Officer with Morgan Stanley, beginning in 2020, and before Morgan Stanley I was in management for 11 years. I spent five years with Cambridge Investment Research as an audit manager in compliance. I was also with BB&T as an assistant complex manager for a small municipal bond office in NJ as well as an office in Atlanta. Before my time in management, my focus was mostly client service — at Fidelity, where I was responsible for running operations for the Alpharetta branch and opening clients accounts; at E*TRADE, servicing clients, and in sales at Wachovia Bank, servicing clients in the branch.
I graduated from University of Maryland with a B.S. in Computer & Information Sciences. I also hold my Series 6, 7, 9, 10 63 and 66 licenses.
I graduated from University of Maryland with a B.S. in Computer & Information Sciences. I also hold my Series 6, 7, 9, 10 63 and 66 licenses.
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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The DESIGN Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“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 (“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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“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 (“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.
6When 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.
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 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
