Dwight M Frost
First Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(402) 548-3433(402) 548-3433
The Frost Group at Morgan Stanley
Direct:
(402) 399-6160(402) 399-6160
Toll-Free:
(800) 228-3309(800) 228-3309
Our Mission Statement
A calming voice, we aim to help clients achieve their life and legacy goals through a passion for financial planning, unparalleled investment experience, and honest conversations.
Our Story and Services
We strive to be trusted advisors to the families and businesses we work with, by solving problems through client-centered financial solutions. This has provided a platform for cherished relationships over the years. Many clients have been with us since day one, and we are now blessed to work with their children and grandchildren.
Our team presents a united front in our financial planning and investment philosophies. We have each increased our experience in specific areas—Dwight in insurance and annuities and Garrett in financial planning and investment selection/allocation. These concentrations help us provide specific advice in the context of the larger, more comprehensive wealth management approach we collectively provide.
Nothing is more rewarding than the relief on our client’s faces when we can mitigate stress around money. This basic life necessity, and the range of opportunities it provides our clients, is the greatest gift of all.
We want the best for our clients and refuse to be distracted by unsubstantiated trends or hype. If you do what’s right you don’t have to worry about the money following and we generate success for our clients based on this tenant every day.
Our team presents a united front in our financial planning and investment philosophies. We have each increased our experience in specific areas—Dwight in insurance and annuities and Garrett in financial planning and investment selection/allocation. These concentrations help us provide specific advice in the context of the larger, more comprehensive wealth management approach we collectively provide.
Nothing is more rewarding than the relief on our client’s faces when we can mitigate stress around money. This basic life necessity, and the range of opportunities it provides our clients, is the greatest gift of all.
We want the best for our clients and refuse to be distracted by unsubstantiated trends or hype. If you do what’s right you don’t have to worry about the money following and we generate success for our clients based on this tenant every day.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Business PlanningFootnote3
- Planning for Education FundingFootnote4
- Estate Planning StrategiesFootnote5
- Divorce Financial AnalysisFootnote6
- Planning for Individuals with Special Needs
- Wealth ManagementFootnote7
- 401(k) Rollovers
- Defined Contribution PlansFootnote8
- Lending Products
- Cash ManagementFootnote9
- Trust AccountsFootnote10
- 529 PlansFootnote11
- UGMA/UTMAFootnote12
- AnnuitiesFootnote13
- Life InsuranceFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We attract clients who value hard work and the success it provides for their families. Often, they’re too busy to manage their financial lives or find the resources to do so. There is a real need for help, education and awareness—this is where we come in.
Rather than sourcing clients from exclusively within the city, we reach out to those individuals who might not otherwise be approached about their financial planning needs. We seek out families and small-town entrepreneurs who, like us, have built their practices on loyalty and community values. We relate to them, and have the capacity to make a large impact on their lives as a result.
In addition to general financial planning, we also provide for clients with unique needs. Many small business owners build relationships on trust and want to properly provide for their employees.
Our clients from smaller surrounding towns also appreciate the anonymity that working with an advisory team in Omaha affords. We share the same values as our clients, but don’t compromise their privacy by running in the same circles.
Rather than sourcing clients from exclusively within the city, we reach out to those individuals who might not otherwise be approached about their financial planning needs. We seek out families and small-town entrepreneurs who, like us, have built their practices on loyalty and community values. We relate to them, and have the capacity to make a large impact on their lives as a result.
In addition to general financial planning, we also provide for clients with unique needs. Many small business owners build relationships on trust and want to properly provide for their employees.
Our clients from smaller surrounding towns also appreciate the anonymity that working with an advisory team in Omaha affords. We share the same values as our clients, but don’t compromise their privacy by running in the same circles.
Working With You
Every client we work with presents a different situation, set of challenges, and potential solutions. However, our process for uncovering these is the same with every client. Decades of experience have taught us that we can never be too thorough in ensuring we do everything we can for clients. The results are always different and always comprehensive, enabling us to create highly personalized financial plans and investment strategies for each individual, family, or business.
Your Financial Plan
Financial planning is a recent positive shift in the industry. Dwight applied financial planning concepts well before the tools were created, and now Garrett, who is highly experienced in financial planning, applies his knowledge to the process as well.
Garrett’s previous role as a wealth advisor associate at Morgan Stanley uniquely prepared him as a financial planner. Required to work diligently on financial plans for brokers at Morgan Stanley offices in Nebraska and Iowa, he accessed the perspectives of several practices and witnessed the positive impact financial planning has on clients. This experience, coupled with the robust planning resources provided by Morgan Stanley, enables us to create realistic and manageable plans for clients so they can live the lives they want both now and in the future.
LifeView®— Sophisticated suite of tools, that includes goal-specific analysis, and the capability to introduce and analyze different strategies.
Investment options—A widespread investment platform across all asset classes, with access to seasoned portfolio managers and alternative investment opportunities.
Philanthropic investing—Between Morgan Stanley’s impact investing platform and strategic gifting options, we are well-positioned to help our clients with any of their philanthropic desires.
Impact Investing-Our Investing with Impact platform offers a selection of investment solutions that can help address complex social and environmental challenges and align them with your financial goals.
Technology—Morgan Stanley makes sizeable investments to create technology infrastructure that supports ease of access for clients who want to stay involved in their portfolios and financial plans.
Private banking—We provide access to cash management and lending solutions through Morgan Stanley Private Bank.
Family wealth management—We provide succession planning, through wealth education, family governance, estate planning and lifestyle advisory services.
Garrett’s previous role as a wealth advisor associate at Morgan Stanley uniquely prepared him as a financial planner. Required to work diligently on financial plans for brokers at Morgan Stanley offices in Nebraska and Iowa, he accessed the perspectives of several practices and witnessed the positive impact financial planning has on clients. This experience, coupled with the robust planning resources provided by Morgan Stanley, enables us to create realistic and manageable plans for clients so they can live the lives they want both now and in the future.
LifeView®— Sophisticated suite of tools, that includes goal-specific analysis, and the capability to introduce and analyze different strategies.
Investment options—A widespread investment platform across all asset classes, with access to seasoned portfolio managers and alternative investment opportunities.
Philanthropic investing—Between Morgan Stanley’s impact investing platform and strategic gifting options, we are well-positioned to help our clients with any of their philanthropic desires.
Impact Investing-Our Investing with Impact platform offers a selection of investment solutions that can help address complex social and environmental challenges and align them with your financial goals.
Technology—Morgan Stanley makes sizeable investments to create technology infrastructure that supports ease of access for clients who want to stay involved in their portfolios and financial plans.
Private banking—We provide access to cash management and lending solutions through Morgan Stanley Private Bank.
Family wealth management—We provide succession planning, through wealth education, family governance, estate planning and lifestyle advisory services.
Events
Location
13625 California St
Suite 400
Omaha, NE 68154
US
Direct:
(402) 399-6160(402) 399-6160
Toll-Free:
(800) 228-3309(800) 228-3309
Meet The Frost Group
Garrett Frost
Financial Advisor, Financial Planning Specialist
Phone:
(402) 399-6160(402) 399-6160
Rachel Biever
Portfolio Associate
Phone:
(402) 399-6329(402) 399-6329
About Dwight M Frost
Dwight M. Frost
First Vice President
Financial Advisor
Financial Planning Specialist
Dwight started at Morgan Stanley over 30 years ago, and brings decades of experience and knowledge of different economic environments and market cycles to serve the team and his clients. He applies this expertise in providing leadership in the selection of investment vehicles, and supervising all facets of the practice to give clients the very best service possible.
Prior to coming to Morgan Stanley, Dwight attended Nebraska Wesleyan University, and Creighton School of Law for a year before transitioning into a financial advisory role. This knowledge provides a specialized perspective in his role as a financial advisor, and enables clarity in making referrals on behalf of his clients.
Outside of Morgan Stanley, Dwight serves on the Board of Elders for the Lord of Life Lutheran Church in Elkhorn, NE, and as the Treasurer for the Waterloo-Valley Recreation Association (Post 58 American Legion Baseball). He also serves in a fundraising capacity for the Douglas County West Youth Sports. In his spare time, Dwight enjoys spending time with his family and boating and fishing.
First Vice President
Financial Advisor
Financial Planning Specialist
Dwight started at Morgan Stanley over 30 years ago, and brings decades of experience and knowledge of different economic environments and market cycles to serve the team and his clients. He applies this expertise in providing leadership in the selection of investment vehicles, and supervising all facets of the practice to give clients the very best service possible.
Prior to coming to Morgan Stanley, Dwight attended Nebraska Wesleyan University, and Creighton School of Law for a year before transitioning into a financial advisory role. This knowledge provides a specialized perspective in his role as a financial advisor, and enables clarity in making referrals on behalf of his clients.
Outside of Morgan Stanley, Dwight serves on the Board of Elders for the Lord of Life Lutheran Church in Elkhorn, NE, and as the Treasurer for the Waterloo-Valley Recreation Association (Post 58 American Legion Baseball). He also serves in a fundraising capacity for the Douglas County West Youth Sports. In his spare time, Dwight enjoys spending time with his family and boating and fishing.
Securities Agent: TX, VA, OR, NY, MO, IN, KS, AR, AK, IL, VT, SC, CA, NM, NC, NJ, WI, OH, NE, WA, OK, CO, AZ, IA, FL, WY, MN, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1297961
NMLS#: 1297961
About Garrett Frost
Garrett Frost
Financial Advisor
Financial Planning Specialist
Garrett has been a Financial Planning Specialist and a Financial Advisor with the Frost/Samson group since 2014. He manages responsibilities related to financial planning, investment research, portfolio building, and employer retirement plans, including 401k and alternatives. Garrett brings a depth of experience in financial planning to the team, having worked with a variety of advisors to create hundreds of financial plans for clients throughout Nebraska and Iowa during his time at Morgan Stanley.
Prior to joining Morgan Stanley, Garrett was the Search and Procurement Coordinator at the University of Nebraska Medical Center, where he helped coordinate stem cell transplants for adult oncology/hematology patients, and also participated in cancer research. The experience of working as an advocate for his patients while simultaneously fulfilling the responsibilities and expectations of his role was extremely time-sensitive and often vitally important. He carries this skill-set, and the ability to balance priorities with the needs of the client, over to his work in finance.
Outside of work, Garrett enjoys fishing and is involved in his local community as a mentor and coach in various capacities for children.
Financial Advisor
Financial Planning Specialist
Garrett has been a Financial Planning Specialist and a Financial Advisor with the Frost/Samson group since 2014. He manages responsibilities related to financial planning, investment research, portfolio building, and employer retirement plans, including 401k and alternatives. Garrett brings a depth of experience in financial planning to the team, having worked with a variety of advisors to create hundreds of financial plans for clients throughout Nebraska and Iowa during his time at Morgan Stanley.
Prior to joining Morgan Stanley, Garrett was the Search and Procurement Coordinator at the University of Nebraska Medical Center, where he helped coordinate stem cell transplants for adult oncology/hematology patients, and also participated in cancer research. The experience of working as an advocate for his patients while simultaneously fulfilling the responsibilities and expectations of his role was extremely time-sensitive and often vitally important. He carries this skill-set, and the ability to balance priorities with the needs of the client, over to his work in finance.
Outside of work, Garrett enjoys fishing and is involved in his local community as a mentor and coach in various capacities for children.
Securities Agent: IA, KS, IN, AZ, WI, OR, NM, TX, IL, AR, MN, AK, VT, OH, MO, CO, ID, WA, NJ, NE, FL, CA, WY, VA, SC, OK, NY, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1537266
NMLS#: 1537266
Contact Dwight M Frost
Contact Garrett Frost
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
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
Article Image
Ready to start a conversation? Contact The Frost Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8When 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.
9Morgan 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
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.
11Investors 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.
12Morgan 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.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8When 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.
9Morgan 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
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.
11Investors 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.
12Morgan 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.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
