W Morgan Fister
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(859) 231-9566(859) 231-9566
The Fister Group at Morgan Stanley
Direct:
(859) 231-9510(859) 231-9510
Toll-Free:
(800) 354-9559(800) 354-9559
Our Mission Statement
Helping successful individuals and families build and preserve prosperity for posterity
Our Story
Your wealth is not just a reflection of your remarkable achievements. It is also a responsibility and an opportunity to help safeguard your family’s financial independence, now and for generations to come.
At The Fister Group, we are a multi-generational team with a multi-generational mindset toward building and managing wealth that is meant to last. Our comprehensive, customized approach focuses on finding possible solutions that can help you maintain your lifestyle, pursue your aspirations, and leave an enduring legacy. With a history spanning fifty years, we understand the importance of heritage and the value of continuity. Having proudly served many of our clients for multiple generations and across geographies, what distinguishes us is our long tradition of exceptional service.
Our commitment to you goes far beyond performing the functions of an investment office. As wealth increases, so does the complexity and time involved in managing the many interconnected facets of your financial life. We are experienced financial advisors who can help simplify wealth management and bring clarity to all your financial decisions, both big and small. Our goal is to help enable you to focus on what brings you the greatest joy and sense of purpose. Backed by the global resources and reach of Morgan Stanley, we offer stability and comprehensive access to strategies that can be tailored to help meet your unique needs and priorities.
With our deep roots in Lexington, Kentucky, we are your true-blue advocates, guiding you with a steady hand through the chapters and transitions of your financial and personal life. We feel privileged to be part of your professional team and will work closely with your other advisors to help ensure that your wealth management strategy is cohesive. Long-term relationships built on mutual respect are at the heart of what we do, and we are dedicated to affirming that at every opportunity.
At The Fister Group, we are a multi-generational team with a multi-generational mindset toward building and managing wealth that is meant to last. Our comprehensive, customized approach focuses on finding possible solutions that can help you maintain your lifestyle, pursue your aspirations, and leave an enduring legacy. With a history spanning fifty years, we understand the importance of heritage and the value of continuity. Having proudly served many of our clients for multiple generations and across geographies, what distinguishes us is our long tradition of exceptional service.
Our commitment to you goes far beyond performing the functions of an investment office. As wealth increases, so does the complexity and time involved in managing the many interconnected facets of your financial life. We are experienced financial advisors who can help simplify wealth management and bring clarity to all your financial decisions, both big and small. Our goal is to help enable you to focus on what brings you the greatest joy and sense of purpose. Backed by the global resources and reach of Morgan Stanley, we offer stability and comprehensive access to strategies that can be tailored to help meet your unique needs and priorities.
With our deep roots in Lexington, Kentucky, we are your true-blue advocates, guiding you with a steady hand through the chapters and transitions of your financial and personal life. We feel privileged to be part of your professional team and will work closely with your other advisors to help ensure that your wealth management strategy is cohesive. Long-term relationships built on mutual respect are at the heart of what we do, and we are dedicated to affirming that at every opportunity.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Where to Start?
Change is part of life, and your goals and priorities are likely to evolve over time. We help you plan to achieve your aspirations and prepare to navigate the unexpected, adjusting your wealth management strategy as needed along the way.
Diversifying Your Portfolio:
If you have a concentrated position, we can help you diversify your assets to manage risk and tax efficiency.
Beginning a New Chapter:
Whether you're changing jobs, growing your family, or coping with a life transition, we can help you make more informed and confident financial decisions in your next chapter of life.
Realizing Your Retirement Vision:
Whether you're planning for, or already in, retirement, we can help you develop and implement a plan focused on supporting your lifestyle and long-term goals.
Creating a Legacy:
We can help you protect and provide for the people and causes that matter to you by ensuring that your financial and philanthropic legacy aligns with your wishes.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Comprehensive Solutions
We understand the unique challenges and opportunities that come with managing family wealth, Through Morgan Stanley's Family Office Resources, we offer exclusive access to a comprehensive suite of services tailored to meet the complex needs of multi-generational families, Our approach is grounded in trust, transparency, and a deep commitment to preserving and growing your legacy for generations to come.
Family Office Resources Overview
Specialized wealth management services tailored for ultra-high-net-worth families, addressing complex, multigenerational financial issues. These services include estate planning, family governance, wealth education, philanthropy management, and investment strategy, all integrated with private wealth advisor support.
Estate Planning Strategies
Morgan Stanley's Estate Planning Strategies provide guidance on preserving and transferring wealth efficiently across generations, incorporating tax planning, trusts, and charitable giving.
Wealth Strategies
Morgan Stanley's Wealth Strategies provide tailored investment planning tools to help clients align their portfolios with estate plans, tax situations, and financial goals. They focus on strategic asset allocation, risk management, and long-term growth, considering individual circumstances like liquidity needs and beneficiary profiles.
Portfolio Construction
These services offer customized investment solutions through its Outsourced Chief Investment Officer (OCIO) platform, leveraging 30 years of experience. They provide tailored asset allocation, manager selection, risk management, and comprehensive reporting for ultra-high-net-worth families and institutions.
Philanthropy Management
This helps individuals, families, and foundations achieve their charitable goals through customized strategies, donor-advised funds, and operational support. We offer advisory services, grant-making solutions, and educational resources to maximize philanthropic impact.
Lifestyle Advisory
Signature Access and Lifestyle Advisory provides bespoke solutions for ultra-high-net-worth clients, including travel and concierge services, health and security advisory, tangible asset management, and financial administration. It also offers exclusive access to the Reserved Living & Giving loyalty program.
Modern Wealth Tools
Morgan Stanley's comprehensive suite of digital tools are designed to enhance every aspect of your financial life. Explore a few of the technologies we have to offer.
Morgan Stanley Online
MSO is a convenient way to view your investments and everyday finances all together. You can also view account documents, pay bills, and transfer between accounts with just a few clicks.
Total Wealth View
Link your account information and see your full financial picture in one place. Total Wealth View lets you benefit from more informed wealth planning, more secure data access, and convenient connectivity.
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that we use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life.
Digital Vault
The Digital Vault simplifies our collaboration by allowing you to easily manage and share your most important documents.
Portfolio Risk Platform
Combining the firm's industry expertise with Blackrock's Aladdin Risk Engine, Morgan Stanley's Portfolio Risk Platform helps you understand how risk may affect your portfolio, including investments held externally.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible clients designed to enhance your lifestyle and go beyond wealth management, featuring bespoke services, curated content, and exclusive discounts from over 60 premium brands.
Total Tax 365
Taxes can be a heavy drag on your investment performance, but this burden can be reduced with the right strategies. Total Tax 365 is our full spectrum of year-round, active tax management solutions, tailored to help you mitigate tax drag in your portfolio.
GIC Weekly
Morgan Stanley's GIC (Global Investment Committee) Weekly Reports provide timely market insights, investment strategies, and macroeconomic analysis to help investors navigate evolving financial landscapes.
Thoughts on the Market
A weekly podcast providing insights on global markets, economic trends, and investment strategies from the firm's top analysts and strategists. Each brief episode covers timely topics, helping investors stay informed on the latest market developments.
Now, What's Next?
Exploring how innovation, technology, and societal shifts are shaping the future of business and investing. Through conversations with industry leaders and experts, this podcast examines emerging trends and the challenges and opportunities they present.
What Service Means To Us
For us, service isn't just a box to be checked. We strive to go above and beyond to be there for our clients, and exceptional service is woven into the fabric of every relationship we build. In fact, we consider service to be one of the most valuable solutions we provide. We are here to help simplify wealth management and are always happy to hear from you.
Whether you need sophisticated guidance or help accessing your account on Morgan Stanley Online, no matter is too small. We strive to maintain open and excellent communication and have succeeded in our service commitment to you when we are your first call on any issue related to your financial life.
- Morgan Fister - Senior PMD
- Justin Fister - PMD
- Mack Hancock
- Anne Oliver
Forbes Best-In-State Wealth Management Teams 2024-2025
The annual Forbes/SHOOK Best-In-State Wealth Management Teams list uses quantitative and qualitative data, including interviews, to rank teams.
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2024 Barron's Top 1,200 Financial Advisors: State-by-State - Morgan Fister
These rankings are based on data provided by around 6,000 of the nation's most productive advisors. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice, and philanthropic work.
Barron's Top 1,200 Financial Advisors: State-by-State Source: barrons.com (Awarded Mar 2024) Data compiled by Barron's for the period Oct 2022-Sept 2023.
Portfolio Management Director
This highly selective designation is awarded to advisors based on their strong compliance record and suitable investment discipline allowing for the design and implementation of discretionary portfolio management services to clients.
CFP® - Certified Financial Planner™
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated extensive knowledge in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning strategies.
Location
444 East Main St
Ste 111
Lexington, KY 40507
US
Direct:
(859) 231-9510(859) 231-9510
Toll-Free:
(800) 354-9559(800) 354-9559
Meet The Fister Group
Justin E Fister
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(859) 231-9580(859) 231-9580
Phone:
(859) 231-9587(859) 231-9587
Sheila B. Edwards
Vice President, Group Director
Phone:
(859) 231-9575(859) 231-9575
Lee Douthat
Wealth Management Associate
Phone:
(859) 231-9524(859) 231-9524
Mack Hancock, CFP®
Registered Client Service Associate
Phone:
(859) 231-9578(859) 231-9578
Anne Oliver, CFP®
Director of Investments
Phone:
(859) 231-9588(859) 231-9588
McMillan Fister
Client Service Associate
Phone:
(859) 231-9547(859) 231-9547
About W Morgan Fister
Morgan’s father, Walter, began The Fister Group at Morgan Stanley in 1980. Upon graduation from the University of Kentucky with a Bachelor of Sciences degree in Accounting, Morgan began his career in the public and private sectors as a Certified Public Accountant (non-practicing at Morgan Stanley). In 1998 Morgan joined his father’s practice. Since then, it has been Morgan’s goal to create a boutique-like, multi-generational wealth management experience for the clients of The Fister Group. Morgan’s core responsibilities include practice management, financial planning, portfolio management, and multi-generational family wealth management.
Morgan enjoys spending time with his wife Taylor and his two sons McMillan and Sims. Staying active, Morgan enjoys hunting, golfing, mountain biking, and skiing.
Morgan enjoys spending time with his wife Taylor and his two sons McMillan and Sims. Staying active, Morgan enjoys hunting, golfing, mountain biking, and skiing.
Securities Agent: GA, WY, SC, PA, OK, OH, NM, LA, FL, DE, TN, IA, WV, VT, TX, NV, NE, IN, DC, WA, NC, MI, IL, CO, AL, MT, MA, UT, NJ, CA, VA, NH, KS, AZ, WI, MN, ME, MD, NY, MS, VI, OR, MO, KY, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261827
NMLS#: 1261827
About Justin E Fister
Like his brother, Justin grew up in the financial services industry. Following his graduation at the University of Kentucky with a Bachelor of Arts degree in Political Science, Justin spent ten years in the banking industry. He joined his father and brother with the Fister Group in 2002. His primary focus on the team is equity research and relationship management with a focus on client experience.
Justin enjoys spending time outdoors, in his free time you can find him hunting, fishing, or working on the family farm. Additionally, Justin is working on building his collection of specialized antiques.
Justin enjoys spending time outdoors, in his free time you can find him hunting, fishing, or working on the family farm. Additionally, Justin is working on building his collection of specialized antiques.
Securities Agent: MS, IA, VT, NV, KY, OH, MA, IN, GA, WI, HI, MN, MT, OR, NE, IL, FL, DE, AZ, KS, WY, WV, WA, MD, SC, OK, DC, MI, CA, AL, VA, UT, TX, NM, NJ, MO, LA, CO, TN, PA, NY, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290507
NMLS#: 1290507
About Me
Throughout his 45-year career, Tinder has used his exceptional experience to help provide advice on asset allocation and investment manager selection for individuals and institutions. He has successfully managed a branch office and assisted high net worth clients in developing and implementing comprehensive wealth management strategies.
Tinder played a pivotal role in the establishment of our Lexington Morgan Stanley predecessor firm, E.F Hutton, alongside Morgan and Justin Fister’s father. In 1983, they laid the foundation for what is known as Morgan Stanley, starting their journey on Duke Road.
A proud graduate of the University of Kentucky, Tinder has actively served as a board member and supporter of various charitable organizations in Central Kentucky. Alongside his wife Lois, he enjoys splitting their time between Lexington, Kentucky and Naples, Florida.
Tinder played a pivotal role in the establishment of our Lexington Morgan Stanley predecessor firm, E.F Hutton, alongside Morgan and Justin Fister’s father. In 1983, they laid the foundation for what is known as Morgan Stanley, starting their journey on Duke Road.
A proud graduate of the University of Kentucky, Tinder has actively served as a board member and supporter of various charitable organizations in Central Kentucky. Alongside his wife Lois, he enjoys splitting their time between Lexington, Kentucky and Naples, Florida.
Securities Agent: IA, MS, CA, AL, VT, NV, VA, WY, KY, GA, CO, WI, TX, SC, NE, HI, AZ, UT, OR, MT, MD, KS, IN, WV, PA, NM, MA, MN, NY, NJ, NC, FL, MO, MI, IL, DE, WA, OH, LA, DC, TN; BM/Supervisor; General Securities Representative; Investment Advisor Representative
About Sheila B. Edwards
Sheila joined the firm in 1986 and brings with her forty years of industry experience. She had been a member of our Branch Management team since 1989 and considers herself a ‘student of the markets’. Pursuing her Bachelor of Arts in Education at the University of Kentucky has served her well over the years as she is regarded as a great teacher, problem solver and communicator. Sheila’s focus lies in working with Trusts and Estates. She is passionate about this business and is a true advocate for our clients. Sheila is a dedicated member of the Big Blue Nation and enjoys spending time with her family, watching sports, listening to music and working in her gardens.
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.
About Lee Douthat
Lee is a Wealth Management Associate and Financial Planning Specialist. He is a Lexington native and graduate of the University of Kentucky earning a bachelor’s degree in Economics, he joined the Fister Group in 2017.
He holds the Series 7 and Series 66 licenses to better serve client’s needs. Lee assists with all aspects of day-to-day team operations focusing on performance reporting, investment research, cash management and lending solutions.
Outside of the office, Lee is an avid runner, golfer and enjoys spending time with friends and family.
He holds the Series 7 and Series 66 licenses to better serve client’s needs. Lee assists with all aspects of day-to-day team operations focusing on performance reporting, investment research, cash management and lending solutions.
Outside of the office, Lee is an avid runner, golfer and enjoys spending time with friends and family.
About Mack Hancock
Mack graduated from Morehead State University in 2019 with a Bachelor's degree in Business Administration. He then earned a Master of Science in Finance from the University of Kentucky, graduating summa cum laude in May 2021. Mack holds both Series 7 and Series 66 licenses and is a CERTIFIED FINANCIAL PLANNER™ professional*.
As a key member of our team, Mack is dedicated to developing comprehensive financial plans tailored to help meet our clients' unique needs and goals. Beyond his experience in financial planning, Mack takes an active role in day-to-day operations to help ensure seamless client experiences.
In his free time, Mack enjoys staying active and has a passion for cooking, often experimenting with different recipes in the kitchen.
*This role cannot solicit or provide investment advice.
As a key member of our team, Mack is dedicated to developing comprehensive financial plans tailored to help meet our clients' unique needs and goals. Beyond his experience in financial planning, Mack takes an active role in day-to-day operations to help ensure seamless client experiences.
In his free time, Mack enjoys staying active and has a passion for cooking, often experimenting with different recipes in the kitchen.
*This role cannot solicit or provide investment advice.
About Anne Oliver
Anne is an accomplished CERTIFIED FINANCIAL PLANNER™ professional* with two decades of industry experience. She has been a cornerstone of the esteemed wealth management practice of M. Tinder Harris, and now brings her extensive experience and unwavering dedication to The Fister Group at Morgan Stanley. Anne excels in cultivating strong client relationships and tailoring strategies to help meet client's diverse needs. A proud alumna of Transylvania University, Anne holds a Bachelor of Arts degree in business administration. Beyond her career, Anne thrives in the company of her husband and family, and three beloved dogs. They cherish the time they spend together in the tranquility of their cabin at Cave Run Lake, where they enjoy boating and fishing expeditions.
*This role cannot solicit or provide investment advice.
*This role cannot solicit or provide investment advice.
About McMillan Fister
McMillan is the newest member of the Fister Group. He is a Lexington native and graduate of the University of Kentucky earning a bachelor’s degree in marketing and business management. McMillan assists with all aspects of day-to-day team operations.
Outside of the office, McMillan is an avid golfer, hunter, traveler and enjoys spending time with friends and family.
Outside of the office, McMillan is an avid golfer, hunter, traveler and enjoys spending time with friends and family.
Contact W Morgan Fister
Contact Justin E Fister
Contact Tinder Harris
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
Robert Petersen
Private Banker
Mark Jansen
Family Office Resources Generalist
About Robert Petersen
Robert Petersen is a Private Banker serving Morgan Stanley Wealth Management offices in Tennessee.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1995, and joined Morgan Stanley in 2010. Prior to joining the firm, he was a Financial Relationship Counselor at Wells Fargo Advisors. He also served in various investment related roles and as a Relationship Manager at Wachovia Securities.
Robert is a graduate of the State University of New York at Stony Brook, where he received a Bachelor of Arts in Liberal Studies. He lives in Nashville, Tennessee. Outside of the office, Robert volunteers his time as a youth baseball coach and enjoys spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1995, and joined Morgan Stanley in 2010. Prior to joining the firm, he was a Financial Relationship Counselor at Wells Fargo Advisors. He also served in various investment related roles and as a Relationship Manager at Wachovia Securities.
Robert is a graduate of the State University of New York at Stony Brook, where he received a Bachelor of Arts in Liberal Studies. He lives in Nashville, Tennessee. Outside of the office, Robert volunteers his time as a youth baseball coach and enjoys spending time with family and friends.
NMLS#: 799938
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Wealth Management
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- Succession Planning
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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
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
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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
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Ready to start a conversation? Contact The Fister 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.
3Morgan 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.
4When 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.
5When 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products 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.
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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*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.
3Morgan 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.
4When 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.
5When 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products 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)
