Senior Vice President, Financial Advisor, Portfolio Management Director, Alternative Investments Director
Phone:
(864) 370-7262(864) 370-7262
The Fleming Kivett & Phillips Group at Morgan Stanley
Direct:
(864) 370-7296(864) 370-7296
Toll-Free:
(800) 755-5750(800) 755-5750
Our Mission Statement
Experienced wealth planning services to assist clients in achieving their financial investment strategies and life & legacy goals.
Welcome
At The Fleming Kivett & Phillips Group at Morgan Stanley, we help clients take a fresh look at their financial lives. Our team works with you to build a comprehensive, integrated, goals-based plan that will guide all your financial decisions – including investments, wealth planning, cash management and lending, risk management, wealth transfer, and many other things. In short, anything involving money.
This holistic approach means we work closely with each client, leveraging the vast resources of Morgan Stanley, a global leader that offers expertise in every area of wealth management. We serve as your wealth advisor and manager, providing thoughtful advice and custom solutions.
As a result, our clients get the specialized services they need, combined with personal service and advice offered by a dedicated financial boutique.
With our focus on comprehensive wealth management, it's imperative that we have access to solutions for every financial situation. With a CFP® professional on the team, we provide a wide range of services and recommendations. We are honored to be named to the Forbes Best-In-State Wealth Management Teams list for South Carolina in 2024.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Services Include
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- 401(k) Rollovers
- 529 PlansFootnote3
- Planning for Education FundingFootnote4
- Professional Portfolio ManagementFootnote5
- Wealth ManagementFootnote6
- Alternative InvestmentsFootnote7
- Certificates of DepositFootnote8
- Corporate Cash Management
- Corporate Retirement PlansFootnote9
- Estate Planning StrategiesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PILLARS OF STRENGTH
We come to work every day focused on helping make a difference in the lives of our clients and those they care about. The following attributes highlight our commitment to an exceptional client experience.
Caring Relationships
We believe successful wealth management begins with personalized service and attention. We invite potential clients to meet with us to share their needs and expectations. We enjoy working with individuals and families who seek the same kind of long-term, fully engaged relationships that we value.
Knowledge and Experience
Walter Kivett has earned the Certified Financial PlannerTM (CFP®) designation, which identifies those individuals who have met the experience and ethical requirements, have successfully completed financial planning coursework and have passed the CFP® Certification Examination. We use our extensive technical and analytical skills to research, evaluate, and recommend appropriate strategies for your particular needs and goals.
A Team Approach
We often collaborate with professionals across Morgan Stanley, as well as others within the industry. We can work in tandem with your accountant, attorney, and other advisors to help you effectively manage your wealth, while helping ensure each recommendation is fully aligned and implemented.
Ongoing Education
Financial education is a vital element of our practice and helps with continuity as wealth moves from one generation to the next. From retirement planning to asset allocation modeling and cash flow analysis, we are here to guide you through virtually every financial situation you may encounter.
We Invest with Integrity
We believe in the strategies and investment recommendations we make to our clients.
Personalized Service
We take the time to get to know you personally, so we may understand the challenges and circumstances surrounding your wealth. This enables us to create a plan that is customized to your situation and can easily adapt to changes in your life and new priorities for your wealth.
Tax-Efficient Investing
Rick Phillip's expertise in Tax-Advantaged Solutions can assist you in making your portfolio more tax-efficient. Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
A Robust Platform of Alternative Investments
Opportunities for investors take many forms. Our Alternative Investments platform coupled with H.J.'s knowledge of Alternative Investments is second to none in the industry. For investors who are looking for an added edge with their investments, we can work to incorporate alternatives in your portfolio.
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.
Are You Prepared For Anything?
We have been assisting clients to not only achieve their financial dreams but also maintain their desired lifestyle throughout virtually all aspects of their lives. There is no better feeling than helping clients maintain or even improve their lifestyle, especially after retiring! Our goal is to help plan, prepare, and execute your financial plan for retirement, family, or any other aspect of your life. Below are important points and tips that everyone should be aware of when planning for their goals.
Retirement Mistakes to Avoid
How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.
Post-Retirement Success
Legacy Planning
Those who created multi-generational wealth are soon faced with complex financial planning challenges that have a significant impact on the size and scope of their legacy. Click the link below to learn more.
Legacies That Last
Investing in a Loved One's Education
With education costs rising ever higher, planning your funding strategy today can help manage financial anxiety for your family.
Find answers to key questions here
Planning for Families Special Needs Children
If your family has a special needs child, it's critical to be aware of the key financial planning and estate issues which may impact their care
To learn more, click here:
Planning For The Rising Costs of Healthcare
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Preparing For Higher Costs
Retirement and Your Portfolio
Retirement is an exciting part of your life. This article explains why having a strategy for retirement is essential. We are focused on helping you be financially equipped for retirement and guiding you throughout this stage of life.
Is Your Portfolio Ready for Retirement?Tools and Research
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. The Fleming Kivett Group is a firm believer of giving their clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below both provide detailed analysis on interesting topics that are affecting the finance and business worlds and provide some insights on some of the firm's tools that help make the most of your wealth.
The Fleming Kivett Group Newsletter
We have attached the most recent edition of our monthly newsletter here. We will be updating this monthly, so please check back for the latest!
Global Investment Committee: On the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Check out the latest edition here
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.
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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.
The Morgan Stanley Minute
Explore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Learn More About GPS
Wealth Management Insight Audiocasts
Wealth Management Insights brings you the latest investment advice from thought leaders within Wealth Management Investment Resources (WMIR). They provide their latest thinking on various market topics in 3-5 minute audiocasts.
Global Investment Committee: Weekly Updates
A weekly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Read hereLocation
201 East McBee Ave, 1st
Fl
Greenville, SC 29601
US
Direct:
(864) 370-7296(864) 370-7296
Toll-Free:
(800) 755-5750(800) 755-5750
Meet The Fleming Kivett & Phillips Group
First Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Management Director
Phone:
(864) 370-7279(864) 370-7279
Frederick Phillips
First Vice President, Financial Advisor
Phone:
(864) 370-7252(864) 370-7252
Ross Hammond
Registered Client Service Associate
Phone:
(864) 370-7296(864) 370-7296
About H.J. Fleming Jr.
H.J. Fleming Jr. is a Senior Vice President, Portfolio Management Director, and Financial Advisor located in Greenville, SC Morgan Stanley office. H.J. was the producing manager for the Greenville office for 17 years and is the founder and senior managing partner of the Fleming Kivett Phillips Group at Morgan Stanley. H.J. has been advising families and companies to make smart investment decisions since 1997. Prior to joining Morgan Stanley, H.J. had internships in New York City with Oppenheimer & Co. and Rudolf Wolfe. H.J. enjoys various aspects of helping clients with their wealth management, financial planning and investments needs.
H.J. is a 1996 graduate of Wofford College in Spartanburg, SC with a B.A. in Government. In addition to his studies, H.J. was a 4 year soccer letterman and an active member of Kappa Alpha Order. H.J. was born in New York and raised in Charleston, SC and is proud to call Greenville and the Upstate SC area, his permanent home for his family. He and his wife Kay, a busy mother herself, and their two daughters Annie and Mary Beth, are members of the West Minster Presbyterian Church and the Greenville Country Club. In addition to spending time with his family and raising his daughters, H.J. is a Board Member and Treasurer for Clements Kindness, a non-profit organization dedicated to meeting the medical, emotional and financial needs of Upstate families impacted by pediatric cancer, as well as serving on the Wofford College Terrier Club Board of Directors. Outside the office, H.J. has enjoyed coaching his girls’ soccer team for the past 10 years and playing golf with his lifelong friends.
H.J. is a 1996 graduate of Wofford College in Spartanburg, SC with a B.A. in Government. In addition to his studies, H.J. was a 4 year soccer letterman and an active member of Kappa Alpha Order. H.J. was born in New York and raised in Charleston, SC and is proud to call Greenville and the Upstate SC area, his permanent home for his family. He and his wife Kay, a busy mother herself, and their two daughters Annie and Mary Beth, are members of the West Minster Presbyterian Church and the Greenville Country Club. In addition to spending time with his family and raising his daughters, H.J. is a Board Member and Treasurer for Clements Kindness, a non-profit organization dedicated to meeting the medical, emotional and financial needs of Upstate families impacted by pediatric cancer, as well as serving on the Wofford College Terrier Club Board of Directors. Outside the office, H.J. has enjoyed coaching his girls’ soccer team for the past 10 years and playing golf with his lifelong friends.
Securities Agent: MO, MI, DC, WI, WA, SC, OR, CO, TN, NY, IN, VA, GA, WY, UT, PR, OK, MD, FL, AZ, AL, TX, NC, MA, KY, IL, NH, CA, OH, MS; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282488
NMLS#: 1282488
About Walter Kivett
Walter Kivett is a Financial Advisor, CERTIFIED FINANCIAL PLANNER Practitioner, Financial Planning Specialist, Portfolio Management Director and senior partner with The Fleming Kivett Group at Morgan Stanley in Greenville, SC. Walter has been helping individuals and companies make investment and retirement decisions at Morgan Stanley since 2004. Prior to joining Morgan Stanley, Walter spent over 15 years working with small to large public and private corporations in the healthcare, oil and gas, industrial and manufacturing industries. Walter enjoys helping clients with their wealth management, retirement planning, social security options, estate planning and retirement income investments.
Walter is a 1987 graduate of the University of Kentucky with a B.S. in Electrical Engineering and a 1989 graduate of the University of Cincinnati with an M.S. in Electrical Engineering. Walter and his wife Dee Wood Kivett, PhD., an Adjunct Professor at Clemson University International Center for Automotive Research (CUICAR) and a CEO of NextGen Supply Chain Integrators, founded in 2003 a non-profit organization, Operation Bear Hug Inc., to provide stuffed animals to police, emergency responders and children's non-profit agencies.
Since 2014, Walter has been involved in the Boy Scouts of America, serving as a den leader throughout cub scouts and is now the Scoutmaster of Troop 776 where his two children Kyle and Kelli have both achieved their Eagle Scout ranks. During scouting Walter has been the Blue Ridge Council Outdoor Ethics Advocate, a Leave No Trace Master Educator, Tread Lightly Master Trainer, Wilderness First Aid certified and BSA Lifesaving certified.
Walter has served on various non-profit boards and enjoys a variety of sports and outdoor activities. Walter and his family have been members of Brookwood Church in Simpsonville, SC since 2002 and is also a member of the Greenville Rotary Club, Leave No Trace Center for Outdoor Ethics, Conastee Nature Preserve and the Foothills Trail Conservancy. Walter is proud to call Greenville, SC and the Upstate SC area his home for life.
Walter is a 1987 graduate of the University of Kentucky with a B.S. in Electrical Engineering and a 1989 graduate of the University of Cincinnati with an M.S. in Electrical Engineering. Walter and his wife Dee Wood Kivett, PhD., an Adjunct Professor at Clemson University International Center for Automotive Research (CUICAR) and a CEO of NextGen Supply Chain Integrators, founded in 2003 a non-profit organization, Operation Bear Hug Inc., to provide stuffed animals to police, emergency responders and children's non-profit agencies.
Since 2014, Walter has been involved in the Boy Scouts of America, serving as a den leader throughout cub scouts and is now the Scoutmaster of Troop 776 where his two children Kyle and Kelli have both achieved their Eagle Scout ranks. During scouting Walter has been the Blue Ridge Council Outdoor Ethics Advocate, a Leave No Trace Master Educator, Tread Lightly Master Trainer, Wilderness First Aid certified and BSA Lifesaving certified.
Walter has served on various non-profit boards and enjoys a variety of sports and outdoor activities. Walter and his family have been members of Brookwood Church in Simpsonville, SC since 2002 and is also a member of the Greenville Rotary Club, Leave No Trace Center for Outdoor Ethics, Conastee Nature Preserve and the Foothills Trail Conservancy. Walter is proud to call Greenville, SC and the Upstate SC area his home for life.
Securities Agent: CO, AL, KY, VA, UT, NH, MS, MA, DC, OR, MI, FL, NY, CA, WY, WI, SC, OK, IL, AZ, OH, MO, GA, NC, WA, TX, TN, IN, PR, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279292
NMLS#: 1279292
About Frederick Phillips
A graduate of College of Charleston, Rick has been a financial advisor for 37 years. Rick focuses on tax advantaged and tax free investing and on delivering tailored investment advice to help define and exceed the goals of his clients.
Rick is proud of his service to the Upstate community and charitable organizations, such as United Way of Greenville, United Way of the Piedmont, Healthy Smiles of Spartanburg, Hope Center for Children and Upstate Warrior Solution.
Rick lives in Spartanburg, SC and is a Senior Partner with The Fleming Kivett & Phillips Group.
Rick is proud of his service to the Upstate community and charitable organizations, such as United Way of Greenville, United Way of the Piedmont, Healthy Smiles of Spartanburg, Hope Center for Children and Upstate Warrior Solution.
Rick lives in Spartanburg, SC and is a Senior Partner with The Fleming Kivett & Phillips Group.
Securities Agent: WI, IL, OR, OH, KY, TN, SC, NY, NC, MS, AZ, NH, CO, DC, WY, MI, MD, IN, AL, PR, OK, MA, TX, FL, CA, WA, VA, UT, GA, MO; General Securities Representative; Investment Advisor Representative
About Ross Hammond
As a Registered Client Service Associate at The Fleming Kivett and Phillips Group, Ross focuses on building strong client relationships and providing excellent client service. He is highly adept at handling a broad array of operational and service-related activities that include performance reporting, monetary transfers, and retirement distributions. Ross joined the team in 2024.
Prior to joining Morgan Stanley, Ross was an auditor at PWC and the Senior Development Accountant at OTO Development. Ross attended Wofford College and received a BA in Accounting with a Minor in German Studies while playing Division I football on full scholarship. He then received his Master of Professional Accounting at Gardner-Webb university.
Ross grew up and currently resides in Spartanburg, SC. He serves on the Board of directors for the Rotary Club of Spartanburg and the Spartanburg Philharmonic along with being an active member of Westminster Presbyterian Church Spartanburg. In his free time, he enjoys spending time with his wife Katy and son Eli, playing golf with friends and family, and cheering on the Wofford Terriers.
Prior to joining Morgan Stanley, Ross was an auditor at PWC and the Senior Development Accountant at OTO Development. Ross attended Wofford College and received a BA in Accounting with a Minor in German Studies while playing Division I football on full scholarship. He then received his Master of Professional Accounting at Gardner-Webb university.
Ross grew up and currently resides in Spartanburg, SC. He serves on the Board of directors for the Rotary Club of Spartanburg and the Spartanburg Philharmonic along with being an active member of Westminster Presbyterian Church Spartanburg. In his free time, he enjoys spending time with his wife Katy and son Eli, playing golf with friends and family, and cheering on the Wofford Terriers.
Contact H.J. Fleming Jr.
Contact Walter Kivett
Contact Frederick Phillips
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
Jared M. Bush
Private Banker
Ty Hardimon
Planning Associate
About Jared M. Bush
Jared Bush is a Private Banker serving Morgan Stanley Wealth Management offices in the Carolinas.
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.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and 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.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
NMLS#: 619654
About Ty Hardimon
Ty Hardimon is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Ty provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Wake Forest University and received the Financial Planning Specialist® designation from the College for Financial Planning. Ty is originally from Marietta, Georgia and currently resides in Sandy Springs, Georgia.
He earned his undergraduate degree from Wake Forest University and received the Financial Planning Specialist® designation from the College for Financial Planning. Ty is originally from Marietta, Georgia and currently resides in Sandy Springs, Georgia.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Ready to start a conversation? Contact The Fleming Kivett & Phillips Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley 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.
3Investors 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Investors 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.
9When 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley 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.
3Investors 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Investors 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.
9When 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
