Mark H Feigelman
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(508) 751-5605(508) 751-5605
The Feigelman Mazeika Group at Morgan Stanley
Direct:
(508) 751-5642(508) 751-5642
Our Mission Statement
Experience and insight put to use to help you achieve your short and long term goals, whether it is financial planning, estate planning, divorce planning, or more.
About Us
Welcome to our Team’s website. Thank you for taking the time to learn more about who we are and what we offer. Our Team has been in the wealth management business for over 30 years with a combined industry experience of over 50 years. Throughout the decades we have been fortunate to work with multiple generations of our clients’ families and we have developed dynamic processes and systems that are designed to deliver wealth management solutions in an efficient, intelligent and comprehensive manner.
We provide a complete range of financial advice to individuals, families, corporations, foundations, endowments, and corporate retirement plans. We also provide comprehensive financial strategies relating to estate planning. divorce planning, and LGBTQ+ couples. The Feigelman Mazeika Group at Morgan Stanley's mission is simple: Provide our clients with personalized financial planning and custom investment solutions that are based on an in-depth knowledge of their unique financial planning goals. We look forward to conversations together and to working with you on your most important financial
goals.
Our Clients:
We at the Feigelman Mazeika Group have dedicated our practices towards building customized and individual financial plans for all the specific needs of our clients. Through careful analysis and a deeply developed relationship with the individuals, businesses, and families we serve, we have been able to help clients all over the country meet their financial goals and dreams.
Our Mission:
We aimed to keep our clients informed on the latest market trends and geopolitical implications. We consistently communicate with our clients and we always welcome a conversation.
As an example, take a look at a recent Equity Market Commentary from Morgan Stanley Research.
We provide a complete range of financial advice to individuals, families, corporations, foundations, endowments, and corporate retirement plans. We also provide comprehensive financial strategies relating to estate planning. divorce planning, and LGBTQ+ couples. The Feigelman Mazeika Group at Morgan Stanley's mission is simple: Provide our clients with personalized financial planning and custom investment solutions that are based on an in-depth knowledge of their unique financial planning goals. We look forward to conversations together and to working with you on your most important financial
goals.
Our Clients:
We at the Feigelman Mazeika Group have dedicated our practices towards building customized and individual financial plans for all the specific needs of our clients. Through careful analysis and a deeply developed relationship with the individuals, businesses, and families we serve, we have been able to help clients all over the country meet their financial goals and dreams.
Our Mission:
We aimed to keep our clients informed on the latest market trends and geopolitical implications. We consistently communicate with our clients and we always welcome a conversation.
As an example, take a look at a recent Equity Market Commentary from Morgan Stanley Research.
Services Include
- Retirement PlanningFootnote1
- Divorce Financial AnalysisFootnote2
- Executive Financial ServicesFootnote3
- Estate Planning StrategiesFootnote4
- Business PlanningFootnote5
- Financial PlanningFootnote6
- Alternative InvestmentsFootnote7
- Cash ManagementFootnote8
- 401(k) Rollovers
- 529 PlansFootnote9
- Planning for Education FundingFootnote10
- Wealth ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Work
At The Feigelman Mazeika Group, we believe certain steps are necessary in order for you to feel comfortable with us advising you, and for us to feel confident that we are able to satisfactorily guide you as you plan for your financial future. We look at each client on an individual basis, focusing on what you find most important. This can range from travel, to family planning, divorce, retirement, estate planning, and more.
Evaluation
In the beginning, we will spend time determining your financial standing, including where your assets are currently allocated and what you have done thus far to plan financially. We can cover a number of different scenarios ranging from estate planning, divorce planning, retirement and more.
Life Stage Situation
Next, we will determine your risk tolerance and how it fits in with your current financial standing. It is at this point that we will initially discuss your goals and your level of comfortability in assuming the risk necessary to achieve those goals.
Asset Analysis & Goal Determination
During this critical step, we take a deep dive into your personal finances. This requires an analysis of internal expenses, performance to date, current and desired risk level, and a future retirement income analysis. It is at this point we will be able to determine the feasibility of your retirement goals and the likelihood of achieving your objectives.
Planning and Monitoring
Lastly, based on the above analysis, we will collaborate to build a customized financial plan that allocates assets and builds a portfolio with your ultimate goals in mind. From there we will continue to monitor the progress of the plan, with regular meetings throughout our relationship to update you on your progress and discuss any changes if need be.
We want to make sure you reach your short and long term goals for the future. It is paramount to us that we develop a comprehensive roadmap for you, your family, and your spouse.
We want to make sure you reach your short and long term goals for the future. It is paramount to us that we develop a comprehensive roadmap for you, your family, and your spouse.
Are You Prepared?
Your retirement years should be the best years of your life. Transitioning from what you do today to where you want to be tomorrow can be one of life’s greatest moments, providing you with opportunities for personal growth, discovery, and even the possibility of adventure. The last thing we want you to worry about is money.
Understand Your 401(k)
Many companies offer a 401(k) plan to help their employees save for retirement. This is a simple, convenient, and powerful retirement planning vehicle that can help you start investing early and automatically. If you’re not taking advantage of this, now is the time to start!
The Key Benefits of a 401(k) Plan
Retirement Mistakes to Avoid
You’ve spent a lifetime planning for your retirement goals, contributing to your 401(k) and perhaps investing additional assets in an individual retirement account (IRA) and other accounts. Now, you’re finally on the verge of retiring. However, you may be surprised to find that retirement planning doesn’t stop once you retire. We will help you avoid common mistakes that could jeopardize your goals for retirement.
5 Mistakes to Avoid
Locating Your Retirement Savings
Over the years, you may have accumulated a significant sum in retirement savings that is spread across various accounts. It can become difficult to keep track of your assets while trying to determine your distribution requirements. Our team will help you consolidate your accounts to make sure that your savings are invested proportionally for your retirement goals.
Consolidate Your Retirement Accounts
Planning for the Rising Costs of Healthcare
Healthcare costs are rising, especially for retirees, and many will need Long Term Care. We will work together to take steps to minimize your financial exposure to unwanted medical costs so you can afford your desired lifestyle after your working years.
The Rising Costs of Healthcare
Retirement Plan Contribution Limit Increase
The IRS has increased the annual contribution limits for retirement plans. The increased amounts mean you can now have tax deferred growth potential on larger contributions to your retirement plan. For more details on new maximum contributions to IRAs, 401(k) plans and Money Purchase/Profit sharing plans, click the link below.
Retirement Plan Contribution Limit IncreaseA Plan Tailored To Your Needs
A generation ago, financial planning was relatively straightforward – people focused on wealth accumulation and then shifted most or all assets into conservative instruments to provide retirement income and principal stability. But today’s world is more complex, and turning a lifetime of savings into a lifetime of sustainable income for people who are living longer, healthier, and more active lives means attending to a wide range of issues simultaneously.
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Some of the areas where we apply our advanced knowledge on your behalf include:
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Some of the areas where we apply our advanced knowledge on your behalf include:
Investment Management
You can rely on us to design holistic and strategic financial plans that match your family’s goals.
Retirement Planning
We will help you develop and implement a strategy that encompasses your needs before, during and after you retire and is based on your personal vision of retirement.
Managing Your Liquidity Needs
We will keep an eye on your cash flow needs as your goals and finances evolve.
Education Planning & Family Concerns
We will make a plan for the education and well-being of your children or grandchildren, as well as your parents or other relatives who might need assistance now or in the future.
Trust, Estate & Legacy Planning
We will help you implement your plan for passing on your assets in a way that honors your values as well as your financial commitments.
Morgan 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 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.
THE CFP® PROFESSIONAL
Individuals certified by the CFP® board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. Our diverse skillset can help clients navigate the complicated financial factors in their life. See below for more information about the CFP® designation and how we can help:
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits, retirement planning, estate planning, Investment management and insurance.
Experience
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professionals is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board's Code of Ethics. The Rules of conduct require the CFP® professional to put their client's interest first above all else.
Location
100 Front St
15th Fl
Worcester, MA 01608
US
Direct:
(508) 751-5642(508) 751-5642
Fax:
(508) 791-3945(508) 791-3945
Meet The Feigelman Mazeika Group
Michael Mazeika, CFP®
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(508) 751-5642(508) 751-5642
Nancy Oldakowski
Registered Client Service Associate
Phone:
(508) 751-5640(508) 751-5640
About Mark H Feigelman
A seasoned 35 year employee of Morgan Stanley, Mark Feigelman understands that dedication and consistency are key drivers of success when it comes to planning for a client’s financial future. Mark is an Managing Director, Senior Portfolio Manager, and Financial Planning Specialist who focuses on building and maintaining client relationships, monitoring portfolio performance, and understanding how market movements affect his clients’ investments.
Mark’s career in financial services began after graduating from the Wharton School at the University of Pennsylvania in 1981 with a Bachelor’s of Science in Economics. Starting his career as a Trader on the Boston Stock Exchange, Mark gained valuable insight into what drives investor psychology and how markets work. It was this knowledge and skill that he then brought to E.F. Hutton in 1984 when he became a Financial Advisor, a position he has held since. Over the course of his three decades in financial advisory, Mark has sought to consistently deliver customized advice that takes into account all aspects of his clients’ financial lives.
When not in the office, Mark enjoys exercising, swimming, boating, and spending time with his wife of over 30 years, Robin, and their three children.
Mark’s career in financial services began after graduating from the Wharton School at the University of Pennsylvania in 1981 with a Bachelor’s of Science in Economics. Starting his career as a Trader on the Boston Stock Exchange, Mark gained valuable insight into what drives investor psychology and how markets work. It was this knowledge and skill that he then brought to E.F. Hutton in 1984 when he became a Financial Advisor, a position he has held since. Over the course of his three decades in financial advisory, Mark has sought to consistently deliver customized advice that takes into account all aspects of his clients’ financial lives.
When not in the office, Mark enjoys exercising, swimming, boating, and spending time with his wife of over 30 years, Robin, and their three children.
Securities Agent: NY, HI, CA, TX, FL, NJ, ME, NH, KY, IA, PA, MN, MA, CT, VA, MD, SC, NC, AL, WI, TN, OH, VT, RI, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285324
NMLS#: 1285324
About Michael Mazeika
As a Certified Financial Planner™, Mike believes that a holistic approach to planning is the most effective way to meet clients’ goals. This belief, combined with over two decades of experience as a Financial Advisor, informs his ability to work with attorneys, accountants, and other financial professionals to quarterback actionable plans that reflect all aspects of clients’ financial lives. Focusing on Asset Allocation, Retirement, Estate and Long-Term Care Planning, Mike seeks to understand each client’s unique objectives and then formulate a plan that is best suited to meeting them.
A graduate of Fitchburg State University with a degree in Industrial Engineering, Mike was a Field Service and Combustion Engineering from 1988 to 1999. After years of living and working in various locations across the country, he returned to the home office where he held positions in Engineering Studies, Condition Assessment, and Material Services. Mike’s previous career taught him the importance of a sound foundation and thorough planning before goals can be reached. After returning to academia, Mike received an MBA from Rensselaer Polytechnic Institute in 1997, and subsequently transitioned into the financial advisory services industry. In 2016, Mike partnered with Mark Feigelman, forming the Feigelman-Mazeika Group.
Outside of work, Mike enjoys spending time at home with his family in Sturbridge, as well as avidly waterskiing, cycling, skiing, and offshore fishing. He coached youth baseball for 15 years and is an active contributor to Just Understand My Potential (J.U.M.P), a non-profit youth organization that focuses on mentorship of disadvantaged youth.
A graduate of Fitchburg State University with a degree in Industrial Engineering, Mike was a Field Service and Combustion Engineering from 1988 to 1999. After years of living and working in various locations across the country, he returned to the home office where he held positions in Engineering Studies, Condition Assessment, and Material Services. Mike’s previous career taught him the importance of a sound foundation and thorough planning before goals can be reached. After returning to academia, Mike received an MBA from Rensselaer Polytechnic Institute in 1997, and subsequently transitioned into the financial advisory services industry. In 2016, Mike partnered with Mark Feigelman, forming the Feigelman-Mazeika Group.
Outside of work, Mike enjoys spending time at home with his family in Sturbridge, as well as avidly waterskiing, cycling, skiing, and offshore fishing. He coached youth baseball for 15 years and is an active contributor to Just Understand My Potential (J.U.M.P), a non-profit youth organization that focuses on mentorship of disadvantaged youth.
Securities Agent: KY, TX, NJ, IL, CT, NY, CA, PA, MN, MA, SC, RI, IA, AL, WI, ME, VT, FL, NH, VA, TN, OH, NC, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1222853
NMLS#: 1222853
Contact Mark H Feigelman
Contact Michael Mazeika
Wealth Management
From Our Team
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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
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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Ready to start a conversation? Contact The Feigelman Mazeika 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
5Morgan 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Alternative 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.
8Morgan 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
9Investors 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.
10When 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
5Morgan 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Alternative 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.
8Morgan 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
9Investors 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.
10When 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
