Senior Vice President, Financial Advisor, Investment Management Consultant, Portfolio Manager
Phone:
(425) 453-3480(425) 453-3480
The Eggers Miller Group at Morgan Stanley
Direct:
(425) 202-0638(425) 202-0638
Our Mission Statement
To help you prioritize and simplify the complexities of your financial life with a personalized plan designed specifically for your needs.
Our Story
When will I be able to retire?
Have I saved enough to retire when I want?
Do I have enough to live a comfortable retirement?
How confident am I that I can achieve my financial goals?
These are questions we often get from our clients. We can answer these questions and many more by going through a comprehensive financial planning process personally designed for your specific goals.
The Eggers Miller Group at Morgan Stanley works with families in the Seattle, Bellevue, Pacific Northwest area, along with clients from across the country to achieve their goals. Our clients include successful business owners, executives, pre-retirees, and retirees. There are a lot of moving pieces in your financial life and our top priority is to simplify your financial life, create order, organization and give you peace of mind you and your family are taken care of.
We believe planning is paramount to successfully achieving your financial goals. That is why we spend most of our time is getting to know our clients' specific goals, listening, and helping them define those goals and most importantly putting them on a path to achieve those goals.
We welcome the opportunity to get to know you and help develop a personalized financial plan to help you achieve your goals.
When you think of us, think of us as your neighborhood financial services group, that can help simplify the complexities of your financial life from retirement, to investments, banking, and lending.
Awards:
We are proud to share that Kathleen Eggers has been recognized as one of Forbes' Top Women Wealth Advisors Best-In-State for 2025. This achievement is a testament to the trust our clients place in us and the dedication of our entire team. We are grateful for the opportunity to make a meaningful impact in our clients' lives.
Forbes America's Top Women Wealth Advisors. Source: Forbes.com (2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Trust ServicesFootnote3
- Corporate Pension Plans
- Business PlanningFootnote4
- Wealth ManagementFootnote5
- Planning for Individuals with Special Needs and their Families
- UGMA/UTMAFootnote6
- Trust AccountsFootnote7
- SyndicateFootnote8
- Structured ProductsFootnote9
- Estate Planning StrategiesFootnote10
- Endowments and FoundationsFootnote11
- Corporate BondsFootnote12
- Defined Contribution PlansFootnote13
- Divorce Financial AnalysisFootnote14
- Certificates of DepositFootnote15
- Business Succession PlanningFootnote16
- 529 PlansFootnote17
- AnnuitiesFootnote18
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Advice Matters
As your life and career evolve, so do your goals. We help you answer critical financial questions and adapt your strategy to meet your needs as they change over time. Here are some of the questions we help our clients solve every day.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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.
Your Questions Answered:
- Life is constantly changing. How can I possibly create a financial plan now?
- What happens to my retirement income if I take the family on a big vacation next year? Or buy a new car? Or retire sooner?
- Am I set up for success?
- I don't want to pay any more in taxes than I need to. Can you help?
- Is there a way to incorporate my personal values into the way I invest without sacrificing performance?
- How much should I save for my kids to go to college? And what if they don't go?
- When can I stop working? Do I have enough saved to spend $xx for the rest of my life?
- I’ve always been a saver. How do I know how much I can spend after I stop working?
- Life’s risks can reveal themselves in many ways – from loss of life to loss of health to loss of income. How do I protect myself and my family from life’s unknowns?
- Do I need long-term care insurance? Life Insurance? Disability insurance? Guaranteed income?
- Can you help me make sure my estate goes to the people and organizations I care about? Will you be there for them when I cannot?
- How do I claim Social Security?
Working With You
Our work with you starts with one or more in-depth, exploratory meetings. We need to understand your unique financial situation so we can offer you the best possible advice and solutions.
1. Discover
- Understand your financial goals, obstacles and preferences.
- Identifying your interest in services beyond investing
- Gathering documents
- Dialogue with your accountant and attorney - if necessary
- Identifying your interest in services beyond investing
- Gathering documents
- Dialogue with your accountant and attorney - if necessary
2. Propose
- Personalized Financial Plan
- Investment Portfolio
- HNW Services
- Implementation and transition schedule
- Working together - briefing and reviews
- Investment Portfolio
- HNW Services
- Implementation and transition schedule
- Working together - briefing and reviews
3. Implement
- Initiate the financial plan
- Phase in the investment recommendations
- Enroll in additional services
- E-Sign transfer forms, consolidate assets
- Review the incoming client statements.
- Phase in the investment recommendations
- Enroll in additional services
- E-Sign transfer forms, consolidate assets
- Review the incoming client statements.
4. Monitor
- Monitor progress according to the plan
- Adjust the plan and investments when needed
- Inform you, your accountant and attorney of anything you should be aware of
- Help you navigate the options of your plan
- Adjust the plan and investments when needed
- Inform you, your accountant and attorney of anything you should be aware of
- Help you navigate the options of your plan
Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Capital Markets
An integrated organization across fixed income, equities, and structured investments leveraging the thought leadership of Morgan Stanley Research and dedicated product specialists to identify key investment opportunities to help enhance the growth potential of diversified portfolios.
2024 Tax Table
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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
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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.
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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
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
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative InvestmentsUpcoming Events
After the election results in November, uncertainty about the economy and the stock market going forward has been a topic of discussion. How will economic policies impact the markets? Are these markets forces temporary, or are there structural factors at play with the potential to alter the economy over the next 5 to 10 years? Join us for a discussion on this topic.
EVENT INFORMATION
PRESENTER & HOST:
Mike Miller, QPFC®
CRPS®, CMFC®
Financial Advisor
Morgan Stanley
PRESENTER:
Amanda Chomyszak, CIMA®
Advisor Consultant
New York Life| MainStay Funds
DATE: February 27th, 2025
TIME: 1:00 PM
RSVP:
Mike Miller
Financial Advisor
425-202-0638
Mike.t.miller@morganstanley.com
500 108th Ave NE 19th Fl. Bellevue, WA 98004
Guest speakers are neither employees of nor affiliated with Morgan Stanley Smith Barney LLC. Opinions expressed by guest speakers are solely their own and do not necessarily reflect those of Morgan Stanley Smith Barney LLC. The appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC ("Morgan Stanley"), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Please be advised that any information, content, products and services discussed during this meeting are intended only for individuals accepted into the meeting and residing in states where the meeting organizer is registered. You may not record, copy, reproduce, print, publish, circulate or distribute any of the content or materials discussed and/or presented during this meeting without the express written consent of Morgan Stanley.
Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4212202 08/26
Location
500 108th Ave NE
Ste 1900
Bellevue, WA 98004
US
Direct:
(425) 202-0638(425) 202-0638
Meet The Eggers Miller Group
Financial Advisor, Financial Planning Specialist, Qualified Plan Financial Consultant
Phone:
(425) 202-0638(425) 202-0638
Bradley Marshall
Client Service Associate
Phone:
(425) 467-3113(425) 467-3113
About Kathleen Y Eggers
With over 40 years of experience in the financial service industry, I am dedicated to building deep, collaborative relationships with a select group of affluent, high-net-worth clients like you that allow me to act as your personal CFO. My goal is to provide strategic guidance that aligns with your unique financial needs and aspirations.
My team specializes in developing comprehensive wealth management plans tailored to you and your family, ensuring a clear path toward your financial goals. Through an objective and disciplined approach, we help you navigate complex financial decisions—so you can focus on living the lifestyle you choose with confidence.
Graduated from Gonzaga University, 1978
Began career with Foster & Marshall, 1980
Insurance Licensed
Assistant Branch Manager, 2000 - 2006
Seattle Native
Mother of two "20 somethings"
Enjoys weight training, spin classes, Pilates, water skiing (year round), and boating (especially San Juans)
Favorite Charities are The Lam Foundation, St. Vincent de Paul, Cystic Fibrosis, Breast Cancer
My team specializes in developing comprehensive wealth management plans tailored to you and your family, ensuring a clear path toward your financial goals. Through an objective and disciplined approach, we help you navigate complex financial decisions—so you can focus on living the lifestyle you choose with confidence.
Graduated from Gonzaga University, 1978
Began career with Foster & Marshall, 1980
Insurance Licensed
Assistant Branch Manager, 2000 - 2006
Seattle Native
Mother of two "20 somethings"
Enjoys weight training, spin classes, Pilates, water skiing (year round), and boating (especially San Juans)
Favorite Charities are The Lam Foundation, St. Vincent de Paul, Cystic Fibrosis, Breast Cancer
Securities Agent: VI, PA, OH, MT, VA, RI, NY, NJ, NE, IL, GA, DE, AR, SC, PR, OK, ID, HI, CT, CA, AK, SD, ME, MD, IA, WY, WV, WI, VT, MN, MI, MA, CO, AL, WA, OR, TN, NH, KS, NV, IN, FL, NM, NC, AZ, UT, TX, ND, MS, MO, LA, KY, DC; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1265244
NMLS#: 1265244
About Mike Miller
My goal is to serve the needs of a select group of investors by providing personalized financial guidance and long-term planning. I focus on working closely with clients to develop customized wealth management strategies, including cash management and lending solutions, to help them achieve their financial goals.
With over 25 years of experience working with financial advisors and their clients, I bring deep industry knowledge and a disciplined approach to wealth management. I hold the Chartered Retirement Plans Specialist and Chartered Mutual Fund Counselor designations, and before joining Morgan Stanley, I worked in asset management, advising institutional and high-net-worth clients. I earned my B.S. in Business, Accounting from The Ohio State University.
Outside of work, I enjoy cycling, skiing, and giving back to my community. I am passionate about mentoring and volunteer my time coaching and working with Homeboy Industries, the world’s largest rehabilitation and re-entry program for formerly gang-involved and incarcerated individuals. I live in Seattle with my wife, our son and daughter, and our adopted dog, Rosie.
With over 25 years of experience working with financial advisors and their clients, I bring deep industry knowledge and a disciplined approach to wealth management. I hold the Chartered Retirement Plans Specialist and Chartered Mutual Fund Counselor designations, and before joining Morgan Stanley, I worked in asset management, advising institutional and high-net-worth clients. I earned my B.S. in Business, Accounting from The Ohio State University.
Outside of work, I enjoy cycling, skiing, and giving back to my community. I am passionate about mentoring and volunteer my time coaching and working with Homeboy Industries, the world’s largest rehabilitation and re-entry program for formerly gang-involved and incarcerated individuals. I live in Seattle with my wife, our son and daughter, and our adopted dog, Rosie.
Securities Agent: MT, MD, WA, OH, AR, OR, FL, AK, IN, ID, TN, NM, NC, IA, AL, SC, PA, NJ, IL, CA, CO, NY, MO, AZ, TX, HI, VA, LA, GA, DC, WY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1920567
NMLS#: 1920567
About Bradley Marshall
Joined Morgan Stanley in 2021
Degree in Biomedical Engineering from Harding University
Currently pursuing an MBA with a specialization in finance
Enjoys hiking, going to breweries and poker in his downtime
Degree in Biomedical Engineering from Harding University
Currently pursuing an MBA with a specialization in finance
Enjoys hiking, going to breweries and poker in his downtime
Contact Kathleen Y Eggers
Contact Mike Miller
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
Wilson Calansingin
Associate Private Banker
Adelaide El Zein, CFP®
Financial Planning Director, Vice President
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
About Adelaide El Zein
Adelaide El Zein, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
Ready to start a conversation? Contact The Eggers Miller Group today.
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.
2Alternative 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13When 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.
14Morgan 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.
15Investors 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.
16Morgan 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.
17Investors 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.
18Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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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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.
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Awards Disclosures
2Alternative 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13When 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.
14Morgan 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.
15Investors 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.
16Morgan 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.
17Investors 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.
18Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
