
The Fredericktowne Group at Morgan Stanley
Matthew C. McGreevyThomas P. EvichJustin E. Saloom, CFP®Benjamin M. SeibertAnita J. CoffmanT. Nicole Milor
Direct:
(301) 631-7138(301) 631-7138
Toll-Free:
(800) 634-0072(800) 634-0072

Our Mission Statement
To help long term, serious investors, create, maintain, and distribute wealth in a tax efficient manner.
The Fredericktowne Group Story
The Fredericktowne Group is a dedicated team of family wealth advisors that pride themselves in helping individuals, families, and businesses achieve their investment and financial goals. Over the years the name on the front door may have changed, but our values and commitment have remained the same.
Individuals: We help individual investors by creating an individualized financial/retirement plan and oversee its implementation and success to ensure you’re on track to retire. Whether you’ve just changed jobs and have a rollover from a corporate retirement plan or are starting to think about retirement, we can help!
Families: We work with families who seek to create, maintain and distribute multi-generational wealth. Our team will work with your family on an individualized financial plan and help with its implementation and provide ongoing monitoring to ensure it’s on track. The Fredericktowne Group will also help coordinate with your attorney to employ estate planning strategies for your family’s continued wealth.
Businesses & Business Owners: Our group understands the amount of work and stress that can go into running a successful business, so we strive to take some of the burden away by helping business owners plan their financial future. We help owners not only with their account and investment management but to help them create a plan for succession and ensure they maintain financial independence. The Fredericktowne Group also helps with corporate retirement plans ranging from 401Ks, SIMPLE IRAs, and more.
Individuals: We help individual investors by creating an individualized financial/retirement plan and oversee its implementation and success to ensure you’re on track to retire. Whether you’ve just changed jobs and have a rollover from a corporate retirement plan or are starting to think about retirement, we can help!
Families: We work with families who seek to create, maintain and distribute multi-generational wealth. Our team will work with your family on an individualized financial plan and help with its implementation and provide ongoing monitoring to ensure it’s on track. The Fredericktowne Group will also help coordinate with your attorney to employ estate planning strategies for your family’s continued wealth.
Businesses & Business Owners: Our group understands the amount of work and stress that can go into running a successful business, so we strive to take some of the burden away by helping business owners plan their financial future. We help owners not only with their account and investment management but to help them create a plan for succession and ensure they maintain financial independence. The Fredericktowne Group also helps with corporate retirement plans ranging from 401Ks, SIMPLE IRAs, and more.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Philanthropic ManagementFootnote4
- Retirement PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Alternative InvestmentsFootnote7
- Executive Financial ServicesFootnote8
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
- Business Succession PlanningFootnote11
- Long Term Care InsuranceFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
30 W Patrick Street
7th Fl
Frederick, MD 21701
US
Direct:
(301) 631-7138(301) 631-7138
Toll-Free:
(800) 634-0072(800) 634-0072
Meet The Fredericktowne Group
About Matthew C. McGreevy
Matt McGreevy began his career in the securities industry in 1997. Matt leads The Fredericktowne Group at Morgan Stanley, where he coordinates the many services that the team provides. Focusing on managing individual portfolios for high-net-worth investors, Matt has earned the firm designation of Senior Portfolio Management Director. Matt’s contributions to the team and dedication to his clients placed him on the Forbes Best-In-State Wealth Advisor list in 2022, 2023, 2024 and 2025.
Matt is a lifelong Fredericktonian and believes in giving back to the community. Matt is currently on the Board of Trustees at Hood College and has previously held roles as an adjunct professor and advisor to the Blazing Alpha Fund, the student run portion of Hood College’s Endowment. In 2019, he was recognized as the Philanthropist of the Year by the YMCA of Frederick County. Matt is actively involved in several local organizations, including the Carroll Creek Rotary Club, Goodwill of Monocacy Valley, The Community Foundation of Frederick County, and The City of Frederick’s Parks and Recreation Commission.
Matt holds a Bachelor’s Degree in Business Administration from Western Maryland College (now McDaniel College).
Matt and his wife, Amy live in Frederick with their son Liam. Their two older children have both chosen a career path dedicated to service. C.J., their son, lives in Texas and serves as a police officer, while their daughter Haleigh has pursued a career in healthcare.
2022, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2023, 2024 and 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Matt is a lifelong Fredericktonian and believes in giving back to the community. Matt is currently on the Board of Trustees at Hood College and has previously held roles as an adjunct professor and advisor to the Blazing Alpha Fund, the student run portion of Hood College’s Endowment. In 2019, he was recognized as the Philanthropist of the Year by the YMCA of Frederick County. Matt is actively involved in several local organizations, including the Carroll Creek Rotary Club, Goodwill of Monocacy Valley, The Community Foundation of Frederick County, and The City of Frederick’s Parks and Recreation Commission.
Matt holds a Bachelor’s Degree in Business Administration from Western Maryland College (now McDaniel College).
Matt and his wife, Amy live in Frederick with their son Liam. Their two older children have both chosen a career path dedicated to service. C.J., their son, lives in Texas and serves as a police officer, while their daughter Haleigh has pursued a career in healthcare.
2022, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2023, 2024 and 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: KY, AR, MD, HI, AZ, WA, TX, OR, WV, VA, ND, ME, CO, UT, RI, MI, FL, CA, MO, VT, NJ, IL, DE, TN, OH, ID, DC, SC, CT, AL, PA, OK, NY, NV, NM, MA, GA, NC, MN, LA, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312605
NMLS#: 1312605
About Thomas P. Evich
Tom Evich began his career as a Financial Advisor in 1994 with Merrill Lynch and was one of the founding Financial Advisors who helped establish the Frederick Smith Barney office in 1998. Tom joined The Fredericktowne Group at Morgan Stanley in 2008, bringing with him a strong background in financial planning. Known for his big-picture perspective, Tom takes a holistic approach to understanding each client’s personal and financial situation. This approach allows him to provide thoughtful guidance and advice tailored to help clients achieve their financial goals. Additionally, Tom focuses on managing portfolios for investors, a skill that has earned him the firm designation of Portfolio Management Director.
Tom holds a Bachelor’s degree from the University of Maryland.
Tom is active in the Frederick/Middletown community and has served as a member of various community associations. Tom, and his wife Diane, were awarded lifetime membership to The Middletown Valley Athletic Association for their 25 years of service. Tom and his wife, Diane, live in Middletown, MD.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Tom holds a Bachelor’s degree from the University of Maryland.
Tom is active in the Frederick/Middletown community and has served as a member of various community associations. Tom, and his wife Diane, were awarded lifetime membership to The Middletown Valley Athletic Association for their 25 years of service. Tom and his wife, Diane, live in Middletown, MD.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: LA, IL, MI, FL, DC, MO, WV, UT, OR, NM, NC, GA, CT, CO, NH, IN, TX, WA, VT, SC, KY, DE, TN, RI, ND, HI, PA, OK, MD, MA, AR, VA, ME, ID, AL, OH, NY, NJ, MN, CA, AZ, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288070
NMLS#: 1288070
About Justin E. Saloom
Justin began his career with Morgan Stanley in 2011, driven by a strong desire to help individuals, families, and businesses achieve their financial goals. Prior to his career with Morgan Stanley, Justin worked for a large international manufacturing company, where he gained valuable experience in management, engineering, and procurement roles. In 2016, Justin and his predecessor, The Longwell Saloom Group, partnered with The Fredericktowne Group at Morgan Stanley.
Justin holds a Master’s Degree in Business Administration (MBA), from Frostburg State University and an undergraduate degree in Mathematics from St. Mary’s College of Maryland. In 2015 Justin earned the accreditation of Certified Financial Planner™®. Justin is also a proud alumni of Leadership Frederick County (Class of 2024).
His experience and commitment to clients have earned him recognition, including the FORBES Top Next-Gen Wealth Advisor Award in 2018, the FORBES Next-Gen Best in State Wealth Advisor Award in 2019 and FORBES Best-In-State Wealth Advisors in 2025.
As a former college athlete, Justin jumped at the opportunity to volunteer to coach his sons’ various sports teams. Justin lives in Frederick with his wife, Krista and their two sons.
2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded April 2025). Data compiled by SHOOK Research LLC for the period 6/30/23-6/30/24.
2018, 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Justin holds a Master’s Degree in Business Administration (MBA), from Frostburg State University and an undergraduate degree in Mathematics from St. Mary’s College of Maryland. In 2015 Justin earned the accreditation of Certified Financial Planner™®. Justin is also a proud alumni of Leadership Frederick County (Class of 2024).
His experience and commitment to clients have earned him recognition, including the FORBES Top Next-Gen Wealth Advisor Award in 2018, the FORBES Next-Gen Best in State Wealth Advisor Award in 2019 and FORBES Best-In-State Wealth Advisors in 2025.
As a former college athlete, Justin jumped at the opportunity to volunteer to coach his sons’ various sports teams. Justin lives in Frederick with his wife, Krista and their two sons.
2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded April 2025). Data compiled by SHOOK Research LLC for the period 6/30/23-6/30/24.
2018, 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: AL, VT, NE, MN, IL, DE, DC, NM, OR, NV, MI, KY, GA, FL, NY, ND, ME, WV, UT, TX, TN, OK, OH, NJ, NC, MA, ID, CO, VA, MD, AR, LA, WA, SC, RI, MO, AZ, PA, IN, IA, HI, CT, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1262298
NMLS#: 1262298
About Benjamin M. Seibert
Ben Seibert joined Morgan Stanley as a Financial Advisor with The Fredericktowne Group at Morgan Stanley in 2021. Prior to joining the team, he spent four years as an engineer with WSP, Inc. in Baltimore, MD, before recognizing his passion was in helping others with financial planning and investment management.
Ben graduated from the University of Maryland with a B.S. in Civil Engineering and completed the QUEST Honors Program. He is a proud graduate of Leadership Frederick County (Class of 2022) and actively contributes to his community by serving on the Development & Marketing Committee for the Mental Health Association. Ben also serves as the Board President of the Frederick County Gathering of Eagle Scouts and has recently become the Mission Committee Chair of Frederick Presbyterian Church.
Ben lives in Frederick with his wife, Erica, their son, John, and their golden retriever, Scout. Outside of the office, he enjoys spending time with family, traveling, hiking, and golfing.
Ben graduated from the University of Maryland with a B.S. in Civil Engineering and completed the QUEST Honors Program. He is a proud graduate of Leadership Frederick County (Class of 2022) and actively contributes to his community by serving on the Development & Marketing Committee for the Mental Health Association. Ben also serves as the Board President of the Frederick County Gathering of Eagle Scouts and has recently become the Mission Committee Chair of Frederick Presbyterian Church.
Ben lives in Frederick with his wife, Erica, their son, John, and their golden retriever, Scout. Outside of the office, he enjoys spending time with family, traveling, hiking, and golfing.
Securities Agent: WV, VT, OR, OH, NY, IA, OK, MO, DC, VA, IN, UT, ND, KS, FL, ME, HI, GA, CT, CO, LA, IL, CA, AZ, AR, AL, NV, NM, NJ, MI, MD, MA, KY, DE, TN, RI, PA, MN, WA, TX, NC, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2153570
CA Insurance License #: 4213482
NMLS#: 2153570
CA Insurance License #: 4213482
About Anita J. Coffman
Anita Coffman brings over 27 years of financial services experience and knowledge to The Fredericktowne Group at Morgan Stanley. She began her career at Legg Mason, a predecessor firm of Morgan Stanley, in 1998. Anita joined The Fredericktowne Group in 2012 and manages the day-to-day operations of the team. Her focus is developing strong client relationships and providing an exceptional level of service. Anita has held various operational and management positions during her tenure with Morgan Stanley and its predecessors. Prior to joining The Fredericktowne Group she served as Complex Service Manager for the Central Maryland Complex.
Originally from Illinois, Anita was raised on her family’s farm and carries the values of hard work and dedication throughout her career. She currently lives in Myersville, MD with her husband Andy and their two daughters, Taylor and Rachel. Anita enjoys supporting the Middletown sports community. The family loves to spend time relaxing at the beach whenever they get the chance.
Originally from Illinois, Anita was raised on her family’s farm and carries the values of hard work and dedication throughout her career. She currently lives in Myersville, MD with her husband Andy and their two daughters, Taylor and Rachel. Anita enjoys supporting the Middletown sports community. The family loves to spend time relaxing at the beach whenever they get the chance.
About T. Nicole Milor
Nicole Milor began her career with Morgan Stanley in 2015 and joined The Fredericktowne Group in 2016. A graduate of University of Maryland University College with a BA in Psychology, Nicole is a proud member of The International Honor Society for the Social Sciences and The National Society of Leadership and Success.
Nicole is dedicated to giving back to her community and currently serves as the Board Vice President of The Frederick High School Music Boosters. Nicole concluded her Board Membership with Celebrate Frederick in the fall of 2024 but still serves on various committees with Celebrate Frederick, helping grow Frederick events and foster community.
Nicole works directly with clients to facilitate administrative and operational tasks, seeking to ensure an exceptional level of customer care and satisfaction.
Nicole lives in Frederick with her husband, daughter, and three dogs. Her son is currently serving in the United States Air Force in Anchorage, Alaska.
Nicole is dedicated to giving back to her community and currently serves as the Board Vice President of The Frederick High School Music Boosters. Nicole concluded her Board Membership with Celebrate Frederick in the fall of 2024 but still serves on various committees with Celebrate Frederick, helping grow Frederick events and foster community.
Nicole works directly with clients to facilitate administrative and operational tasks, seeking to ensure an exceptional level of customer care and satisfaction.
Nicole lives in Frederick with her husband, daughter, and three dogs. Her son is currently serving in the United States Air Force in Anchorage, Alaska.

Contact Matthew C. McGreevy

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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.
2Morgan 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.
3Morgan 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.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
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 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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’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.
3Morgan 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.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
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 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)