Jim Frohner
Senior Vice President, Financial Advisor
Phone:
(610) 408-6595(610) 408-6595
The Frohner Group at Morgan Stanley
Direct:
(610) 408-1900(610) 408-1900
Our Mission Statement
The Frohner Group at Morgan Stanley seeks to empower our clients and help achieve their financial goals through our personalized, innovative and holistic wealth management strategies. We are committed to understanding our clients’ unique financial aspirations and challenges to provide strategies tailored to align with their goals.
Driven by our experience, integrity and a deep commitment to individual and business clients alike, we strive to build long-lasting client relationships based upon collaboration, reliability and success. Leveraging the global research and cutting-edge tools of Morgan Stanley, our team delivers financial guidance and strategies, continually adapting to changing market conditions and evolving to help meet client needs.
Our team is pleased to be a dedicated Financial Advisor in each our clients’ financial journeys, sharing our wealth of knowledge and experience to help achieve their most important objectives.
Driven by our experience, integrity and a deep commitment to individual and business clients alike, we strive to build long-lasting client relationships based upon collaboration, reliability and success. Leveraging the global research and cutting-edge tools of Morgan Stanley, our team delivers financial guidance and strategies, continually adapting to changing market conditions and evolving to help meet client needs.
Our team is pleased to be a dedicated Financial Advisor in each our clients’ financial journeys, sharing our wealth of knowledge and experience to help achieve their most important objectives.
Our Story and Services
Our team’s primary objective is to help you pursue your goals by delivering access to a full spectrum of investment resources, experienced professionals, intellectual capital, and financial planning capabilities. We encourage an open, ongoing dialogue to maintain a comprehensive understanding of your unique personal and financial circumstances to ensure your passions and objectives stay the centerpiece of your plan.
Collaboration with planning professionals and seasoned investment partners creates a roadmap for our team to generate solutions to complex problems, while coordinating your needs relating to wealth management and retirement planning, insurance and risk management, taxes, and estate planning. Implementation and execution of our strategies is followed by a process of regular monitoring and review so that you are up to date on your progress and involved in your success every step of the way.
Our clients are like family to us and we look forward to being able to have a conversation around helping you prepare for a successful future.
Collaboration with planning professionals and seasoned investment partners creates a roadmap for our team to generate solutions to complex problems, while coordinating your needs relating to wealth management and retirement planning, insurance and risk management, taxes, and estate planning. Implementation and execution of our strategies is followed by a process of regular monitoring and review so that you are up to date on your progress and involved in your success every step of the way.
Our clients are like family to us and we look forward to being able to have a conversation around helping you prepare for a successful future.
Services Include
- Wealth ManagementFootnote1
- Corporate Investment SolutionsFootnote2
- Retirement PlanningFootnote3
- Municipal BondsFootnote4
- Executive Financial ServicesFootnote5
- Wealth PlanningFootnote6
- Alternative InvestmentsFootnote7
- Estate Planning StrategiesFootnote8
- Sustainable InvestingFootnote9
- Donor Advised Funds
- Cash Management and Lending ProductsFootnote10
- Financial PlanningFootnote11
- 529 PlansFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
When it comes to serving our clients, our goal is to go beyond the efficient management of your wealth and help create a road map to guide you towards a future worth striving for. Our goal is to earn your trust through our diligent and transparent communication as well as through the methods with which we can address your concerns.
Our team works with a broad range of clientele. However, many of our clients find themselves and their families across more than one of the below categories. By leveraging the power of our team and a global firm to deliver these resources, we give our clients as much time as possible to focus on their lives where it matters most.
Our team works with a broad range of clientele. However, many of our clients find themselves and their families across more than one of the below categories. By leveraging the power of our team and a global firm to deliver these resources, we give our clients as much time as possible to focus on their lives where it matters most.
Next Generation
There are so many more young investors participating in the financial marketplace today as a result new technology. From establishing your independence to making your mark, we offer a comprehensive range of capabilities to support the ambitions of Next Generation clients.
Business Owners
Whether you require assistance navigating the sale or transfer of your business, the advice or capital required to grow the business, or simply a plan designed to safeguard your assets and build on your continued success, our team has the resources to help you.
Physicians
Many physicians manage their own practice, supervise employees, and oversee payroll. This creates a need to address a variety of issues from employee benefits to retirement plans. Our team is equipped to assist medical professionals with addressing these matters through the
enhancement, protection, and transfer of wealth for them and their families.
enhancement, protection, and transfer of wealth for them and their families.
Attorneys
Whether you are in Big Law, work as in-house counsel, the public sector, or considering a move between, we are familiar with the career paths and compensation structures of the industry. Taking the time to lay out a financial plan encompassing these considerations and compensation. details enable us to help you develop a roadmap for your future and an increased comfort level.
EXCLUSIVE OFFERS FROM MORGAN STANLEY
Reserved Living & Giving is a tiered complimentary loyalty program with rewards for Morgan Stanley's clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services. As a Reserved member, you will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics. So, whether you'd like to get behind the wheel of your dream car, enjoy the perfect wine pairing, or choose a thoughtful gift, you'll find unique opportunities with Reserved Living & Giving. Best of all, you can share the shopping treasures, travel adventures and simple pleasures with your family.
To qualify, a client’s household must have and maintain $1 million in Eligible Assets and Liabilities or have paid at least $10,000 in annual managed fees/commissions (Compensable Revenue). Annual managed fees/commissions paid is generally defined as revenue generated in fee-based accounts and commissions generated in non-fee-based accounts and is calculated on a rolling 12-month basis. Not all revenue is included. Morgan Stanley reserves the right to exclude certain items of revenue in its sole discretion.
To qualify, a client’s household must have and maintain $1 million in Eligible Assets and Liabilities or have paid at least $10,000 in annual managed fees/commissions (Compensable Revenue). Annual managed fees/commissions paid is generally defined as revenue generated in fee-based accounts and commissions generated in non-fee-based accounts and is calculated on a rolling 12-month basis. Not all revenue is included. Morgan Stanley reserves the right to exclude certain items of revenue in its sole discretion.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Browse the Latest Offers
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back
Read the Latest Insights
Signature Access
In addition to all Reserved benefits, clients who qualify for our highest tier, Signature Access, are connected to a vetted network of professionals who can craft custom solutions for your family's exceptional needs such as Art Advisory, Private Health Advisory, Cybersecurity, and bespoke travel services.
Signature Access
NEXT
Our NEXT program is specially curated to help our community of young clients discover new insights, connect with peers, and take action towards their impact goals. NEXT members will also enjoy Reserved or Signature Access benefits, depending on their eligibility.
NEXT Access
Rolling Stones Concert Tickets
Access tickets and preferred pricing on select dates for The Rolling Stones’ 2024 tour.
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Baseball Tickets
Access sought-after tickets and preferred pricing to MLB games for all 30 teams!
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Formula 1 Racing
For a limited time, access tickets to the 2024 Formula 1 Miami Grand Prix.
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We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Digital Resources
As Morgan Stanley financial advisers, we provide you with a comprehensive suite of digital tools designed to keep you updated on the market and enhance your financial life. Below are some of the many resources that we use to enhance financial plans for clients like you.
Thoughts On the Market Podcast
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.
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On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) makes it easy to manage your money 24/7, from your desktop, tablet, or phone. If you have a Morgan Stanley financial adviser you can manage money on your own while collaborating with your Morgan Stanley team. Visit the link below to learn more and register.
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Morgan Stanley Reserved Living & Giving
Morgan Stanley Reserved Living and Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Total Wealth View
You can't get the full picture with only half the story. By linking your external account information you will benefit from more comprehensive financial planning, and convenient connectivity.
LifeView Portal Client Flier
Morgan Stanley Ideas
Read our perspectives of the markets of today and tomorrow. We cover topics ranging from retirement and estate planning to macroeconomics and technology.
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Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
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Goals-Based Planning
The Frohner Group at Morgan Stanley will create a financial plan customized for your financial situation and objectives.
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Portfolio Risk Platform
Our team investigates risks to your portfolio so you don't have to. Watch the video to learn more.
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Digital Vault
Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. Learn more about this shared and secure document vault.
Learn MoreLocation
899 Cassatt Road
Suite 100
Berwyn, PA 19312
US
Direct:
(610) 408-1900(610) 408-1900
Meet The Frohner Group
Tara Bullock Frohner
Financial Advisor
Phone:
(610) 408-6596(610) 408-6596
Patrick Frohner, CRPS®
Financial Advisor, Financial Planning Specialist
Phone:
(610) 408-6597(610) 408-6597
Brody Gregory
Client Service Associate
Phone:
(610) 408-1987(610) 408-1987
About Jim Frohner
Jim Frohner began his career in finance and wealth management in 1985, after graduating from Georgia Southern University. Over the course of his career, Jim has worked closely with businesses and individuals to address their financial goals and streamline their wealth management services.
Leveraging over 4 decades of industry knowledge and experience, Jim is adept in investment management, corporate retirement planning, private wealth management, estate planning strategies and corporate executive services.
Jim believes that clients’ unique goals should be at the center of financial decisions, forming the basis of financial strategy. Customized, goals-based financial strategies and time dedicated to understanding clients’ essential priorities distinguish Jim’s approach. Leveraging the resources and insights of Morgan Stanley, Jim’s experience, passion, and perspectives can help you simplify your life and the life of your business.
Jim enjoys spending time with family and friends, golfing and fishing.
Leveraging over 4 decades of industry knowledge and experience, Jim is adept in investment management, corporate retirement planning, private wealth management, estate planning strategies and corporate executive services.
Jim believes that clients’ unique goals should be at the center of financial decisions, forming the basis of financial strategy. Customized, goals-based financial strategies and time dedicated to understanding clients’ essential priorities distinguish Jim’s approach. Leveraging the resources and insights of Morgan Stanley, Jim’s experience, passion, and perspectives can help you simplify your life and the life of your business.
Jim enjoys spending time with family and friends, golfing and fishing.
Securities Agent: FL, NJ, ME, MA, IA, CA, WA, SC, MI, DE, MO, AL, UT, OH, IL, PA, NY, NC, MD, CO, TX, GA, VA, AK, CT, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 534038
NMLS#: 534038
About Tara Bullock Frohner
Tara Bullock Frohner is a Financial Advisor with the Frohner Group at Morgan Stanley. A graduate of both Villanova Law and Villanova University, she enjoyed many years as a practicing attorney and mediator. Following her career in law, she joined the Frohner Group, a family financial practice beginning in 1965. Tara brings a fresh perspective and a substantive skillset to client relationships.
In collaboration with her team, Tara leverages a broad range of knowledge and experience to provide personalized service to clients, sharply focused on their best interest and objectives. Tara enjoys helping clients attain objectives throughout the changing landscapes of their personal and professional lives. Supporting the aspirations of the individuals, businesses and families she serves remains one of her top priorities.
Tara enjoys spending time with family & friends, as well as participating in an array of hobbies and volunteer work, which includes serving on the Finance Committee at the Academy of Notre Dame.
In collaboration with her team, Tara leverages a broad range of knowledge and experience to provide personalized service to clients, sharply focused on their best interest and objectives. Tara enjoys helping clients attain objectives throughout the changing landscapes of their personal and professional lives. Supporting the aspirations of the individuals, businesses and families she serves remains one of her top priorities.
Tara enjoys spending time with family & friends, as well as participating in an array of hobbies and volunteer work, which includes serving on the Finance Committee at the Academy of Notre Dame.
Securities Agent: CT, OH, CA, AL, MI, WA, SC, MO, ME, NJ, IA, GA, NY, MT, MD, DE, AK, TX, NC, IL, CO, VA, UT, PA, MA, FL; General Securities Representative; Investment Advisor Representative
About Patrick Frohner
Securities Agent: LA, IN, DE, AK, IA, HI, CA, NM, ND, MT, MN, MD, MA, KY, AL, SD, MO, TX, RI, PR, NV, AR, WA, MS, DC, CO, VT, UT, SC, OK, NH, VA, PA, NY, KS, ID, WY, WV, WI, VI, OR, OH, MI, IL, GA, FL, AZ, NJ, CT, NE, NC, ME; General Securities Representative; Investment Advisor Representative
About Brody Gregory
I joined Morgan Stanley Wealth Management as a Client Service Associate on November 2022. I graduated from the University of Delaware with a Bachelor's of Science in Financial Planning and Wealth Management. I have prior experience in Wealth Management industry through an internship from December 2020 through May 2022 while at college for my junior and senior year.
In that time as an intern and through my education at college, I learned a great deal about what makes working in the Wealth Management industry such a fulfilling and rewarding career. For me, Wealth Management is arguable one of the most important jobs one can have. Professionals in this industry hold the resources and knowledge for families and individuals to help meet their specific and individualized goals through meaningful planning and meticulous considerations on how to effectively allocate the client’s assets. It’s important for clients to feel confident when their finances are being managed by a professional, while at the same time helping clients achieve their financial goals in life for the long term as well as navigating the unpredictable short term obstacles. We, as professionals in this industry, understand this faith held in us to help meet the clients goals for a specified time frame and make our clients dreams a reality.
In my free time, I enjoy golfing with friends, staying active by regularly going to the gym and running, and spending quality time with family.
In that time as an intern and through my education at college, I learned a great deal about what makes working in the Wealth Management industry such a fulfilling and rewarding career. For me, Wealth Management is arguable one of the most important jobs one can have. Professionals in this industry hold the resources and knowledge for families and individuals to help meet their specific and individualized goals through meaningful planning and meticulous considerations on how to effectively allocate the client’s assets. It’s important for clients to feel confident when their finances are being managed by a professional, while at the same time helping clients achieve their financial goals in life for the long term as well as navigating the unpredictable short term obstacles. We, as professionals in this industry, understand this faith held in us to help meet the clients goals for a specified time frame and make our clients dreams a reality.
In my free time, I enjoy golfing with friends, staying active by regularly going to the gym and running, and spending quality time with family.
Contact Jim Frohner
Contact Tara Bullock Frohner
Contact Patrick Frohner
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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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Frohner Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
6Morgan 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.
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.
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 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.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 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.
12Investors 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.
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
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
6Morgan 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.
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.
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 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.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 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.
12Investors 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.
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CRC 6491812 (04/2024)
