Thomas J Fitzsimmons
Executive Director, Financial Advisor, Senior Investment Management Consultant
Phone:
(210) 366-6604(210) 366-6604
The Fitzsimmons Group at Morgan Stanley
Direct:
(210) 366-6604(210) 366-6604
Toll-Free:
(800) 733-3041(800) 733-3041
Our Mission Statement
We partner with clients in long-term, trusted financial advisory relationships. Our deepest purpose as a wealth advisory team is to provide peace of mind for our clients and their families by customizing a financial plan to reach their goals.
Who We Are
The Fitzsimmons Group is a San Antonio-based, multi-generational wealth advisory team serving an exclusive number of individuals, families, and business owners both locally and around the country. Our mission is to develop a deep understanding of the unique needs of each of our clients while helping them define and pursue their vision of financial success. We are committed to providing a holistic approach, tailored solutions, and personal service. Our goal for every client relationship is to instill a sense of confidence, comfort, and assurance.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Why Clients Choose and Stay with Us
The Fitzsimmons Group at Morgan Stanley is committed to providing a holistic approach, tailored solutions, and personal service to each of our clients.
A Holistic Approach
Clients have a financial plan of action to meet their goals. A thorough discovery process helps us gain an in-depth understanding of each client's goals and priorities. A wealth strategy shows clients the strengths and weaknesses of their situation along with suggested steps to take. Sound recommendations illustrate clients' options and ease decision-making.
Tailored Solutions
We are convinced a team approach allows for diverse perspectives, focus, and innovation. We utilize an investment approach that is research-based, risk-managed, cost-effective, and tied to each client's stated goals and objectives. Our team leverages world-class resources and a network of professionals to fully integrate each client's plan. Clients benefit from having a financial advisory team in their corner that understands them.
Personal Service
Our commitment to our clients focuses on the assurance that comes from a long term relationship. Our staff is warm and approachable, upholding the highest standards of responsiveness and accessibility. Clients receive formal and informal reviews to understand their performance and stay aware of future wealth-related issues. We take an active interest in our clients' lives and interests, creating comfort and building trust.
Our Clients
Whether you are a sophisticated trustee, a high net worth investor, or a successful business owner, the demands of the financial markets heighten the need for the evaluation, objectivity, and experience of a financial advisor. You’ve worked hard to accumulate your wealth. Now you would like that wealth responsibly invested to help fulfill a particular goal or meet a future need.
With $1,000,000 or more in portfolio assets, The Fitzsimmons Group can work with you to develop and implement an investment process and strategy that suits your needs. We seek to understand our clients broadly and deeply enough to find opportunities that add value not only to their financial objectives, but also to their life aspirations. Together, we determine what’s really important and develop actionable, flexible strategies to help meet your financial needs.
If you would like to meet with The Fitzsimmons Group at Morgan Stanley for a complimentary wealth consultation, we invite you to call our office at (210) 366-6604. We would welcome the opportunity to meet with you.
With $1,000,000 or more in portfolio assets, The Fitzsimmons Group can work with you to develop and implement an investment process and strategy that suits your needs. We seek to understand our clients broadly and deeply enough to find opportunities that add value not only to their financial objectives, but also to their life aspirations. Together, we determine what’s really important and develop actionable, flexible strategies to help meet your financial needs.
If you would like to meet with The Fitzsimmons Group at Morgan Stanley for a complimentary wealth consultation, we invite you to call our office at (210) 366-6604. We would welcome the opportunity to meet with you.
Business Owners
Entrepreneurs
Professionals
Family Offices
Busy Executives
Soon-to-be Retirees
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
1. Intro
We will first have an introduction call to discuss your concerns and see if we are a good fit for you. If we decide we want to work with one another, we will set up a second call to discuss your financials.
2. Discovery Call
In this meeting we will discuss your current financial situation and your future financial goals. We will
review any documents you have prepared and identify circumstances that are unique to you.
review any documents you have prepared and identify circumstances that are unique to you.
3. Plan Creation
In this step we will create a plan that is tailored to you to grow, preserve, and transfer your wealth.
4. Implementation
Once we have created your tailored plan, we will begin to implement the plan to achieve your goals. We will provide continued service along the way to ensure your plan is on track.
Location
7600 Broadway
Suite 100
San Antonio, TX 78209
US
Direct:
(210) 366-6604(210) 366-6604
Toll-Free:
(800) 733-3041(800) 733-3041
Meet The Fitzsimmons Group
Phone:
(210) 301-3203(210) 301-3203
Steven Fitzsimmons
Financial Advisor
Phone:
(210) 366-6617(210) 366-6617
Adriana Estevez
Vice President, Wealth Management Associate
Phone:
(210) 366-6637(210) 366-6637
Elizabeth Wigden
Client Service Associate
Phone:
(210) 366-6606(210) 366-6606
Mason Nelson
Client Service Associate
Phone:
(210) 366-6655(210) 366-6655
About Thomas J Fitzsimmons
Thomas J. Fitzsimmons is Executive Director and Senior Investment Management Consultant at Morgan Stanley, an accomplished financial services executive with over 40 years of experience in providing tailored wealth management solutions. He has a proven history of advising individuals, families, and institutions through goals based financial planning, custom investment strategies, retirement planning, and estate planning.
Since launching his career in 1985 with E.F. Hutton, then Shearson Lehman Brothers in 1986, Tom has remained with the firm through its evolution into Morgan Stanley. He has cultivated a distinguished record of guiding high-net worth individuals and families through every stage of wealth planning. He specializes in delivering customized, tax-efficient strategies through intentional upfront discovery, retirement planning, custom investment management solutions, estate planning services, and philanthropic giving. All designed to assist clients with their current financial needs, grow wealth, transferring their legacy according to their unique goals and values.
Tom earned a Bachelor of Business Administration in Finance from Texas State University.
He is an active member of the Association of Professional Investment Consultants (APIC) and the National Committee on Planned Giving. Committed to service beyond his profession, he has served as President of the Leukemia & Lymphoma Society, a Board Member of the Juvenile Diabetes Research Foundation, and most recently on the Board of Trustees for Meals on Wheels SA.
Tom contributes his leadership to University Methodist Church and has dedicated years to youth ministry, and currently serves on the UMC Foundation committee. Originally from New York City and raised in San Antonio, he and his wife, Kathy have three grown children, Shauna, Steven, and Mitchel. Outside the office, Tom enjoys time with family, friends, golf, fitness, travel, and his sweet dog, Sadie.
Since launching his career in 1985 with E.F. Hutton, then Shearson Lehman Brothers in 1986, Tom has remained with the firm through its evolution into Morgan Stanley. He has cultivated a distinguished record of guiding high-net worth individuals and families through every stage of wealth planning. He specializes in delivering customized, tax-efficient strategies through intentional upfront discovery, retirement planning, custom investment management solutions, estate planning services, and philanthropic giving. All designed to assist clients with their current financial needs, grow wealth, transferring their legacy according to their unique goals and values.
Tom earned a Bachelor of Business Administration in Finance from Texas State University.
He is an active member of the Association of Professional Investment Consultants (APIC) and the National Committee on Planned Giving. Committed to service beyond his profession, he has served as President of the Leukemia & Lymphoma Society, a Board Member of the Juvenile Diabetes Research Foundation, and most recently on the Board of Trustees for Meals on Wheels SA.
Tom contributes his leadership to University Methodist Church and has dedicated years to youth ministry, and currently serves on the UMC Foundation committee. Originally from New York City and raised in San Antonio, he and his wife, Kathy have three grown children, Shauna, Steven, and Mitchel. Outside the office, Tom enjoys time with family, friends, golf, fitness, travel, and his sweet dog, Sadie.
Securities Agent: NY, CA, TX, MI, PA, NC, MT, MO, MD, LA, AZ, UT, NV, IN, GA, CO, VA, NM, AR, AK, MN, MA, HI, DC, CT, WA, SC, OR, NJ, NE, FL, DE, OK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1642531
NMLS#: 1642531
About Glenn E Welch
Glenn E. Welch is a seasoned Financial Advisor with nearly three decades of experience in the financial services industry, all of which have been spent with Morgan Stanley and its predecessor firms. He began his career at Smith Barney and, through a series of mergers and transitions, has remained a dedicated advisor within the Morgan Stanley organization.
Glenn holds the Certified Financial Planner™ (CFP®) designation, underscoring his commitment to comprehensive, client-centered financial planning. His expertise lies in helping individuals and families develop strategic financial plans designed to achieve long-term goals with clarity and confidence.
A graduate of Texas A&M University, Glenn earned a Bachelor of Business Administration in Accounting and previously held CPA credentials. His strong analytical background and financial acumen provide a solid foundation for guiding clients through complex financial decisions.
Glenn grew up in San Angelo, Texas. He has lived in San Antonio, Texas, for over 31 years and is deeply rooted in the community. He and his wife Christina have been married for nearly 25 years and have two sons—George, a student at Ohio State University, and Henry, who will graduate from high school in 2026.
Outside the office, Glenn enjoys traveling with his family, exploring new destinations, and embracing new experiences.
Glenn holds the Certified Financial Planner™ (CFP®) designation, underscoring his commitment to comprehensive, client-centered financial planning. His expertise lies in helping individuals and families develop strategic financial plans designed to achieve long-term goals with clarity and confidence.
A graduate of Texas A&M University, Glenn earned a Bachelor of Business Administration in Accounting and previously held CPA credentials. His strong analytical background and financial acumen provide a solid foundation for guiding clients through complex financial decisions.
Glenn grew up in San Angelo, Texas. He has lived in San Antonio, Texas, for over 31 years and is deeply rooted in the community. He and his wife Christina have been married for nearly 25 years and have two sons—George, a student at Ohio State University, and Henry, who will graduate from high school in 2026.
Outside the office, Glenn enjoys traveling with his family, exploring new destinations, and embracing new experiences.
Securities Agent: UT, AR, MD, MA, TX, NV, HI, CO, NY, MI, FL, DC, NJ, WA, PA, CA, OR, IN, MO, NM, NC, LA, DE, CT, VA, SC, OK, MN, AZ, NE, MT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285228
NMLS#: 1285228
About Steven Fitzsimmons
Steven Fitzsimmons is a Financial Advisor and Vice President with Morgan Stanley's South Texas Heritage Team in San Antonio. With a career spanning eleven years in the financial industry, Steven has developed a strong expertise in investment management, financial planning, and business development.
Prior to joining Morgan Stanley in 2016, Steven began his career at Invesco, a leading mutual fund company in Houston, Texas. He holds a Bachelor of Business Administration degree with a concentration in Finance from Baylor University.
As a native San Antonian, Steven is committed to his community and actively participates in local initiatives. Outside of work, he enjoys working out in the gym, playing sports competitively and spending time with family and friends.
At Morgan Stanley, Steven directs new business development for the team and provides personalized investment management services to new and existing clients. He is dedicated to building lasting relationships founded on trust and integrity by helping clients define and pursue their vision of financial success.
Prior to joining Morgan Stanley in 2016, Steven began his career at Invesco, a leading mutual fund company in Houston, Texas. He holds a Bachelor of Business Administration degree with a concentration in Finance from Baylor University.
As a native San Antonian, Steven is committed to his community and actively participates in local initiatives. Outside of work, he enjoys working out in the gym, playing sports competitively and spending time with family and friends.
At Morgan Stanley, Steven directs new business development for the team and provides personalized investment management services to new and existing clients. He is dedicated to building lasting relationships founded on trust and integrity by helping clients define and pursue their vision of financial success.
Securities Agent: IN, HI, CO, VA, UT, OK, NE, SC, NJ, NC, MT, CT, AR, AK, OR, MI, LA, FL, DC, MO, AZ, TX, NM, NV, MA, DE, PA, NY, MD, CA, WA, MN; General Securities Representative; Investment Advisor Representative
About Adriana Estevez
Adriana Estevez joined The Fitzsimmons Group in 2013. As a senior member of the team, Adriana analyzes client account holdings and asset class weightings, assists in rebalancing client portfolios and collaborates with Thomas Fitzsimmons to customize portfolios that are research-based, risk-managed and cost-effective. Although her main focus is on investment management, Adriana also troubleshoots with the operations team and streamlines the service model to assure the highest standards of efficiency and responsiveness.
In 1994, Adriana began her career in the financial services industry after earning a Bachelor of Business Administration from The University of the Incarnate Word. She worked at JP Morgan and Wells Fargo prior to joining Morgan Stanley in 2011. She maintains the following securities licenses: Series 7, 63, 66 and Life & Insurance.
As a member of Executive Women International®, an elite association for business professionals, Adriana served on the board of directors and participated in the Philanthropy and Publications committees. In addition to her professional growth and development, Adriana finds community service very rewarding.
A San Antonio native, Adriana is married to her high school sweetheart, Rick, and has four children, Gabriella, Alex, Evan and Matthew. Away from work, she enjoys spending time with family and friends.
In 1994, Adriana began her career in the financial services industry after earning a Bachelor of Business Administration from The University of the Incarnate Word. She worked at JP Morgan and Wells Fargo prior to joining Morgan Stanley in 2011. She maintains the following securities licenses: Series 7, 63, 66 and Life & Insurance.
As a member of Executive Women International®, an elite association for business professionals, Adriana served on the board of directors and participated in the Philanthropy and Publications committees. In addition to her professional growth and development, Adriana finds community service very rewarding.
A San Antonio native, Adriana is married to her high school sweetheart, Rick, and has four children, Gabriella, Alex, Evan and Matthew. Away from work, she enjoys spending time with family and friends.
About Elizabeth Wigden
Elizabeth Wigden joined Morgan Stanley in 2011. As the primary point of contact for The Fitzsimmons Group, she is responsible for managing all client service related needs while ensuring an exceptional level of client satisfaction. Ellie has been recognized as Client Service Associate "Best Attitude" within the Firm and believes in the necessity of bringing a smile to the office every day.
Originally from upstate New York, Ellie received a Bachelor of Science in Education and Psychology from St. Fisher College and a Master's degree in Literacy Instruction from Nazareth College. She is a member of the San Antonio Sports & Social Club and volunteers with the Wildlife Rescue & Rehabilitation Center. Ellie enjoys cooking, sending greeting cards and supporting animal rights and local farmers. Go Spurs Go!
Originally from upstate New York, Ellie received a Bachelor of Science in Education and Psychology from St. Fisher College and a Master's degree in Literacy Instruction from Nazareth College. She is a member of the San Antonio Sports & Social Club and volunteers with the Wildlife Rescue & Rehabilitation Center. Ellie enjoys cooking, sending greeting cards and supporting animal rights and local farmers. Go Spurs Go!
About Mason Nelson
Mason was born and raised in the Texas Hill Country and graduated from Texas Tech University. He is a proud Red Raider who ‘’Strives for Honor” in his daily tasks.
He loves to spend time outdoors with friends and family. Some of his favorite outdoor activities include fly fishing on the Guadalupe, backpacking public trails, and soaking up the bright Texas sun.
He loves to read and is always looking for a good book suggestion. Some of his favorite books from the past years are, “On Wings of Eagles" by Ken Follett, “Greenlights" by Matthew McConaughey, and “ Tracers in the Dark" by Andy Greenberg just to name a few.
He loves to spend time outdoors with friends and family. Some of his favorite outdoor activities include fly fishing on the Guadalupe, backpacking public trails, and soaking up the bright Texas sun.
He loves to read and is always looking for a good book suggestion. Some of his favorite books from the past years are, “On Wings of Eagles" by Ken Follett, “Greenlights" by Matthew McConaughey, and “ Tracers in the Dark" by Andy Greenberg just to name a few.
Contact Thomas J Fitzsimmons
Contact Glenn E Welch
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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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Municipal 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.
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, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Municipal 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.
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, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
