Phone:
(708) 226-5425(708) 226-5425
The Edge Group at Morgan Stanley
Direct:
(708) 226-1900(708) 226-1900
Our Mission Statement
Our mission is to help manage risk, invest with discipline and seek to preserve and protect assets as part of your legacy.
Our Story and Services
Our practice has one goal:
To help preserve and enhance the assets of our clients in light of each of their own unique needs and circumstances. Our mission is to help manage risk, invest with discipline and seek to preserve and protect assets as part of your legacy.
We are committed to:
- Providing the highest quality service, advice and genuine understanding and concern;
- Creating lasting relationships with each of our clients and their families;
- Building the financial success of our clients;
- Maintaining open, consistent and personal contact;
- Gaining 100% of our client's trust;
Services Include
- 401(k) Rollovers
- Qualified Retirement PlansFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Business PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Cash Management and Lending ProductsFootnote6
- Professional Portfolio ManagementFootnote7
- Alternative InvestmentsFootnote8
- Life InsuranceFootnote9
- 529 PlansFootnote10
- AnnuitiesFootnote11
- Corporate Retirement PlansFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: We Organize and Set Financial Objectives
The wealth management process begins with a comprehensive understanding of your present financial resources, liabilities, objectives (short and long term), as well as the level of risk with which you are comfortable.
Step 2: We Present a Holistic, Well-Being Plan
It is imperative that each client / family understand holistic financial planning and is comfortable with all aspects of the plan. We will then move forward with implementation and make specific recommendations as opportunities present themselves.
Step 3: We Implement a Wealth Accumulation or Retirement Income Strategy
The correct wealth accumulation or retirement income strategy can provide diversification of your portfolio, help enhance returns, lower overall potential portfolio volatility and position your assets to take advantage of developing investment opportunities.
Step 4: We Continually Monitor and Present On-going Reviews
The final step of the process is a periodic review of the plan to reconfirm the appropriateness of the recommendations in respect to the original goals and any new objectives that client may have. We also will monitor market developments to determine appropriate adjustments (if/when necessary).
A FINANCIAL PLAN MADE FOR YOU
Using a suite of tools that includes goal-specific analysis, we can work together to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs. The following resources below will introduce you to a few of the tools that we use, please click to learn more about topics impacting your wealth.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
DIGITAL RESOURCES
We offer a comprehensive suite of tools to manage your wealth more effectively in today’s busy world. We strive to ensure we serve our clients with market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
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
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 Platform
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 CenterINSIGHTS & RESOURCES
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
View Offers from Reserved Living & Giving
Our Monthly Newsletter
We are thrilled to present this month's collection of current trends, updates, and other valuable information. Our goal is to keep you informed and help you make educated decisions regarding your investments and financial future.
Read the latest edition
Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
Global Investment Committee Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
2024 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2024, see all additional information here.
View the 2024 Tax Tables Here
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.
Check Out The Latest EpisodeLocation
15341 S. 94th Ave
Ste 200
Orland Park, IL 60462
US
Direct:
(708) 226-1900(708) 226-1900
Meet The Edge Group
Executive Director, Financial Advisor, Portfolio Management Director, Alternative Investments Director, Financial Planning Specialist
Phone:
(708) 226-5420(708) 226-5420
Phone:
(708) 226-5483(708) 226-5483
Sharon Peoples
Senior Registered Client Services Associate
Phone:
(708) 226-5441(708) 226-5441
Andrea Pagliaro
Portfolio Associate
Phone:
(708) 226-5409(708) 226-5409
About Eric A Kitchell
Eric is a Financial Advisor who works closely with his clients to set realistic goals and appropriately manage their return expectations. The reason he works in the Financial Services industry is because he enjoys the creativity an advisor must display in understanding and planning for every client’s financial needs. What Eric enjoys most about his work is finding opportunities in an ever-changing market environment.
Eric has spent over 10 years with Morgan Stanley and offers a wide variety of services; always starting with a comprehensive understanding of one’s present financial situation and ending with the development and implementation of a customized financial plan. He also provides lively discussions around multi-generational planning and use of today’s technology.
People who know him appreciate his personalized approach and process in helping his clients prioritize their financial well-being. He has helped hundreds of people deconstruct complex financial topics and craft strategies tied to their short and/or long-term investment goals.
Eric graduated from DePauw University with a Bachelor of Arts. He holds the Certified Financial Planner™ and Qualified Plan Financial Consultant designations. He resides in Chicago, Illinois with his wife and dog Bruce. In his spare time, he enjoys golf, working out on his peloton bike, and reading non-fictional literature. Eric is very actively involved with the associate board for Covenant House Illinois in Chicago, IL.
Eric has spent over 10 years with Morgan Stanley and offers a wide variety of services; always starting with a comprehensive understanding of one’s present financial situation and ending with the development and implementation of a customized financial plan. He also provides lively discussions around multi-generational planning and use of today’s technology.
People who know him appreciate his personalized approach and process in helping his clients prioritize their financial well-being. He has helped hundreds of people deconstruct complex financial topics and craft strategies tied to their short and/or long-term investment goals.
Eric graduated from DePauw University with a Bachelor of Arts. He holds the Certified Financial Planner™ and Qualified Plan Financial Consultant designations. He resides in Chicago, Illinois with his wife and dog Bruce. In his spare time, he enjoys golf, working out on his peloton bike, and reading non-fictional literature. Eric is very actively involved with the associate board for Covenant House Illinois in Chicago, IL.
Securities Agent: ID, CO, NM, NJ, NC, TX, NV, MO, TN, SC, PA, NY, MD, CT, MT, CA, UT, KY, KS, GA, AZ, WV, WI, OH, MA, HI, AL, WA, MN, IL, IA, DC, AR, VA, SD, NE, MI, IN, FL, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261761
CA Insurance License #: 0I75752
AR Insurance License #: 16336769
NMLS#: 1261761
CA Insurance License #: 0I75752
AR Insurance License #: 16336769
About James C Ferguson
As a Financial Advisor, Jim implements wealth management strategies that helps clients to preserve and grow their wealth. With over 25 years of experience in the financial services industry, Jim is devoted to helping clients achieve their financial goals and is committed to building lasting and meaningful relationships.
Additionally, he is a CERTIFIED FINANCIAL PLANNER™, Portfolio Management Director and an Alternatives Investment Director. Jim focuses on providing customized solutions and guidance in the areas of Portfolio Management, Retirement Planning, Financial Planning, tying together all aspects of clients’ financial and personal life goals.
Jim graduated from Rutgers University with a Bachelor of Arts. Prior to joining Morgan Stanley, he began his career in the financial services industry in 1995 at Merrill Lynch where he later also held the title of Financial Advisor.
Jim grew up in Tinley Park, Illinois and currently resides in Orland Park, Illinois, with his wife, five children and his dog Charlie. Outside of work, Jim enjoys boating, working out, and spending time with family and friends. Jim also wrestled at Rutgers and coached youth wrestling for about 10 years.
Additionally, he is a CERTIFIED FINANCIAL PLANNER™, Portfolio Management Director and an Alternatives Investment Director. Jim focuses on providing customized solutions and guidance in the areas of Portfolio Management, Retirement Planning, Financial Planning, tying together all aspects of clients’ financial and personal life goals.
Jim graduated from Rutgers University with a Bachelor of Arts. Prior to joining Morgan Stanley, he began his career in the financial services industry in 1995 at Merrill Lynch where he later also held the title of Financial Advisor.
Jim grew up in Tinley Park, Illinois and currently resides in Orland Park, Illinois, with his wife, five children and his dog Charlie. Outside of work, Jim enjoys boating, working out, and spending time with family and friends. Jim also wrestled at Rutgers and coached youth wrestling for about 10 years.
Securities Agent: DE, WI, VA, NC, KS, IN, NJ, MO, KY, OH, MD, GA, CO, CA, NV, MI, TX, IL, ID, IA, AZ, AR, WA, SC, NY, WV, SD, PA, MT, MN, NM, NE, WY, UT, TN, FL, CT, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268236
CA Insurance License #: 0G52641
NMLS#: 1268236
CA Insurance License #: 0G52641
About Jimmy Ferguson
After completing two internships, Jimmy Ferguson joined The Edge Group as a Client Service Associate in June 2024. Shortly after, Jimmy joined Jim and Eric as a Financial Advisor on the team.
Growing up, Jimmy was inspired by his father's positive experiences in Financial Services and developed an interest in the industry. He admired the opportunity to work with others, make an impact on lives, and navigate a constantly shifting market.
Jimmy earned his Bachelor's degree in Finance & Accounting from The University of Alabama in May 2024. Following graduation, he returned to his hometown of Orland Park, IL, where he grew up one of five siblings. In his free time he enjoys working out, traveling, and spending time with friends and family.
Growing up, Jimmy was inspired by his father's positive experiences in Financial Services and developed an interest in the industry. He admired the opportunity to work with others, make an impact on lives, and navigate a constantly shifting market.
Jimmy earned his Bachelor's degree in Finance & Accounting from The University of Alabama in May 2024. Following graduation, he returned to his hometown of Orland Park, IL, where he grew up one of five siblings. In his free time he enjoys working out, traveling, and spending time with friends and family.
Securities Agent: FL, AZ, OH, NM, GA, DE, CO, SD, SC, NE, ID, IA, WV, MT, MN, MI, KS, CT, TX, TN, AR, WI, UT, PA, NC, MD, KY, IL, WA, VA, NY, NV, NJ, MO, WY, MA, IN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2677928
NMLS#: 2677928
About Sharon Peoples
Sharon is a Senior Registered Client Service Associate who helps our clients to efficiently and quickly resolve client service matters. The reason she works in the Financial Services industry is because she enjoys communicating with clients and assisting them in everyway possible. What Sharon enjoys most about her work is personally getting to know so many great clients.
Sharon has spent over 30 years as a client service associate and offers a wide variety of proven programs and services – from client management to service-based solutions and solidifying client relationships.
People who know her can always count on her expertise, promptness and knowledge. She has helped thousands of people to consolidate their assets and manage their estate. Sharon has also attained her Series 7 & Series 66 designations.
Sharon is married with two boys and resides in St. John, Indiana. In her spare time she enjoys camping and fishing.
Sharon has spent over 30 years as a client service associate and offers a wide variety of proven programs and services – from client management to service-based solutions and solidifying client relationships.
People who know her can always count on her expertise, promptness and knowledge. She has helped thousands of people to consolidate their assets and manage their estate. Sharon has also attained her Series 7 & Series 66 designations.
Sharon is married with two boys and resides in St. John, Indiana. In her spare time she enjoys camping and fishing.
About Andrea Pagliaro
Andrea is a dedicated and detail orientated Portfolio Associate with over 25 years of experience in the financial industry. She joined Morgan Stanley in August of 1998 after a 10-year career in the banking industry. She is committed to providing exceptional administrative and operational service as well as assisting clients in navigating our digital tools.
Andrea is married with one child and is a resident of New Lenox, IL. In her spare time, she enjoys spending time with family and friends, outdoor activities, attending community events and the theater.
Series 7 and Series 66 Licensed
Andrea is married with one child and is a resident of New Lenox, IL. In her spare time, she enjoys spending time with family and friends, outdoor activities, attending community events and the theater.
Series 7 and Series 66 Licensed
Contact Eric A Kitchell
Contact James C Ferguson
Contact Jimmy Ferguson
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
Jordan Hoerter
Private Banker
Amy Gross, CFP®
Financial Planning Director, Vice President
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
NMLS#: 1445073
About Amy Gross
Amy Gross is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Chicago suburbs. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Wealth Management
From Our Team
Want to Keep More of Your Investment Returns? Consider These Tax Moves
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Edge 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.
1When 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.
2When 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley 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.
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 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
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
1When 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.
2When 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley 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.
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 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
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
