Joseph Feola, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(724) 933-1471(724) 933-1471
Our Mission Statement
Our mission is to provide clients with a professional wealth management team that has a reputation for integrity, trust and superior service. We strive to achieve this goal through a well-defined, disciplined investment process which includes comprehensive financial planning and portfolio management services that are aligned to help meet the individual goals and objectives of each client.
Welcome
As your Financial Advisors, our mission is to help make your wealth work as hard as it can. To accomplish this goal, we must ask the right questions, find appropriate strategies and put all of our experience and resources at Morgan Stanley to work for you. You can count on us to understand the life you envision, and only then can we help create wealth management strategies aimed at meeting the objectives that matter most to you.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Estate Planning StrategiesFootnote5
- Trust AccountsFootnote6
- Municipal BondsFootnote7
- Life InsuranceFootnote8
- 529 PlansFootnote9
- Long Term Care InsuranceFootnote10
- Alternative InvestmentsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Commitment to Learning and Giving Back
A Showcase of our dedication to both our educational achievements and efforts to make a lasting impact through philanthropy.
Joseph Feola, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Manager
View My Full Linkedin Profile >>
Ryan Condello, CFP®
Vice President, Financial Advisor, Portfolio Manager
View My Full Linkedin Profile >>
West Virginia University
BA, Biology
1977-1981
Activities and Societies: Pi Kappa Alpha Fraternity, WVU Baseball Team
1977-1981
Activities and Societies: Pi Kappa Alpha Fraternity, WVU Baseball Team
Waynesburg University
Business Management Major; Finance and Economics Minors
2010 - 2014
Activities and societies: W.U. Investments Club, W.U. Student Senate, ENACTUS, W.U. Symphonic band, Intramural athletics, Young Professionals in Energy, United States Chess Federation.
2010 - 2014
Activities and societies: W.U. Investments Club, W.U. Student Senate, ENACTUS, W.U. Symphonic band, Intramural athletics, Young Professionals in Energy, United States Chess Federation.
Robert Morris University
MBA, Management
1985-1989
1985-1989
US Chess Federation
Empower people, enrich lives, and enhance communities through chess.
2025 - Forbes Best-In-State Wealth Management Teams (Pennsylvania-West)
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
2023 - Forbes Best-In-State Wealth Management Teams (Pennsylvania-West)
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
The American Cancer Society
End cancer as we know it, for everyone.
Pi Kappa Alpha Fraternity Foundation
The Pi Kappa Alpha Foundation exists to operate solely and exclusively as a beneficent, charitable, literary, and educational organization.
The Carlynton Educational Foundation
To enhance the educational opportunities of all Carlynton School District students beyond the regular school funding.
The Fellowship of Catholic University Students
Together, we can help everyone experience a personal, intimate relationship with Christ through real, life-giving friendships.
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family - whether you're planning for retirement, purchasing a home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as the compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Financial Planning Resources
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
LifeView QuestionnaireLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
Retirement Planning
Most of us have numerous goals, but no goal is more important than securing a comfortable retirement. It is important to look at time horizon, risk tolerance, and current savings to structure a sound retirement plan.
Retirement Planning
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
AladdinPortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Spending and Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting Tool
Estate Planning
Estate planning is the process of making arrangements to pass down wealth and assets after a person's death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to your future plans, preferences and goals.
When creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Estate Planning QuestionnaireWhen creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Family Office Resources
Ultra-high net worth individuals and families often have unique and complex planning needs. Here at Morgan Stanley, we have a variety of Family Office Resources that can assist our family office clients in assessing and coming up with solutions to their goals; no matter how complex they may be.
Family Office ResourcesMorgan Stanley Resources
At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape as well as our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click here to learn more
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click here to learn more
How to Handle Volatility
Markets have gotten much more volatile recently. Here’s why investors should keep their focus on the long game.
Click here to learn more
Morgan Stanley Online (MSO)
Seamlessly and securely manage your investments and everyday finances in one place. Have access to key information and the ability to make transfers and trades on Morgan Stanley Online (MSO) or the Morgan Stanley app.
Click here to learn more
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online and Total Wealth View, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Click here to learn more
Tax Management
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan. Read more from Morgan Stanley's Tax Management site below.
Click here to learn moreLocation
2100 Georgetown Dr
Ste 500
Sewickley, PA 15143
US
Direct:
(724) 933-1583(724) 933-1583
Meet The Feola Condello Group
Ryan Condello, CFP®
Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(724) 933-1583(724) 933-1583
Gina Chiesa
Senior Client Service Associate
Phone:
(724) 933-1571(724) 933-1571
About Joseph Feola
Joe began his career in the financial services industry with Dean Witter in 1987. He earned the CFP® Practitioner designation from the College for Financial Planning in 1992. By incorporating the knowledge gained from the CFP designation and drawing on his decades of experience, Joe has refined a process that incorporates financial planning, asset allocation, investment selection and income distribution to assist his clients in their pursuit of achieving their goals. In 2023, The Feola Condello Group was named by Forbes as one of Pennsylvania's top Wealth Management teams.
Born and raised in New York City, Joe received his undergraduate degree from West Virginia University and his MBA from Robert Morris University. Joe and his wife, Lori, currently live in Carnegie, PA. They have a daughter, Natalie and son, Joey. Active in his community, Joe volunteers with the American Cancer Society and is also involved with the Pi Kappa Alpha Fraternity Alumni Association. Outside the office, Joe enjoys staying physically active, playing golf and spending time with his family.
2023 - Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Born and raised in New York City, Joe received his undergraduate degree from West Virginia University and his MBA from Robert Morris University. Joe and his wife, Lori, currently live in Carnegie, PA. They have a daughter, Natalie and son, Joey. Active in his community, Joe volunteers with the American Cancer Society and is also involved with the Pi Kappa Alpha Fraternity Alumni Association. Outside the office, Joe enjoys staying physically active, playing golf and spending time with his family.
2023 - Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Securities Agent: GA, MN, MI, IN, AZ, WA, UT, PA, MD, IA, CA, WV, FL, TN, LA, IL, VA, SC, NC, CO, TX, NY, NJ, OH, MO, KY, OK, CT, NV; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255679
NMLS#: 1255679
About Ryan Condello
Passionate to provide comprehensive wealth management strategies and build lifelong relationships with his clients, Ryan established his practice as a financial advisor with Morgan Stanley in 2015. In 2018, Ryan and Joe Feola created the Feola Condello Group. From 2018-2022, Ryan was named a member of the Morgan Stanley Pacesetters Club, a global recognition program for financial advisors who demonstrate the highest professional standards and first-class client service within their first five years in the industry. In 2023, The Feola Condello Group was named by Forbes as one of Pennsylvania's top Wealth Management teams.
Ryan was born and raised in Texas. He moved to the South Hills of Pittsburgh prior to starting high school and subsequently graduated from Waynesburg University with a Business Management degree minoring in Finance and Economics. Maintaining the practice of lifelong learning, Ryan acquired the CFP® designation in 2021. He currently lives with his wife, Kaelee, in Cranberry Township and is active in his community through his local church. When away from the office, Ryan enjoys spending time with family as well as playing pickleball, basketball, alto saxophone and chess.
2023 - Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Ryan was born and raised in Texas. He moved to the South Hills of Pittsburgh prior to starting high school and subsequently graduated from Waynesburg University with a Business Management degree minoring in Finance and Economics. Maintaining the practice of lifelong learning, Ryan acquired the CFP® designation in 2021. He currently lives with his wife, Kaelee, in Cranberry Township and is active in his community through his local church. When away from the office, Ryan enjoys spending time with family as well as playing pickleball, basketball, alto saxophone and chess.
2023 - Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Securities Agent: NE, MD, OH, LA, GA, SC, FL, CA, WA, NC, WV, UT, PA, NY, CO, VA, NV, IN, IL, TX, MO, MN, KY, MI, OK, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1571576
NMLS#: 1571576
About Gina Chiesa
Gina has a reputation for unsurpassed client service and meticulous attention to detail. Gina began her career after graduating from Drexel University; in Philadelphia where she remained for 16 years before returning to her hometown of Pittsburgh.
It was in Philadelphia that she first honed her skills in client service while gaining experience at a number of Wealth Management institutions. Gina is responsible for client on-boarding and oversees all client operational and administrative needs. Gina resides with her husband Paul and two young children Angelina and Carlo. In her spare time she enjoys cooking and spending quality time her family.
It was in Philadelphia that she first honed her skills in client service while gaining experience at a number of Wealth Management institutions. Gina is responsible for client on-boarding and oversees all client operational and administrative needs. Gina resides with her husband Paul and two young children Angelina and Carlo. In her spare time she enjoys cooking and spending quality time her family.
Contact Joseph Feola
Contact Ryan Condello
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact The Feola Condello Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
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 (“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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
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 (“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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
