Brian S. Turner
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(505) 326-9331(505) 326-9331
The Galileo Planning Group at Morgan Stanley
Direct:
(505) 326-9326(505) 326-9326
Toll-Free:
(800) 767-6201(800) 767-6201
Our Mission Statement
Our purpose revolves around empowering clients to attain lasting financial success throughout their economic journey. We prioritize addressing their diverse range of financial requirements by providing high-quality services that genuinely meet those needs.
The Galileo Planning group
We believe that achieving any type of success requires a true understanding of your financial goals. We can help define these goals and tailor an individual strategy specific to your situation and to our economic conditions. As a Portfolio Management team we are able to offer our clients custom made portfolios specifically designed to align your short, medium, and long term goals. At the Galileo Planning Group at Morgan Stanley, we are about individual strategies that work specifically for you, not solutions for the masses. We pride ourselves in delivering solutions to your individual needs now and in the future. Having a team such as ours with diverse specialties and backgrounds allows our clients to take full advantage of getting what they really need. Our team has also been recognized on Forbes' prestigious list of Best-in-State Wealth Management Teams in 2023!
Being named to Forbes' 2023 list of Best-in-State Wealth Management Teams is a testament to our experience, focus, and dedication to our clients.
Source: Forbes.com (Jan 2023) 2023 Forbes Best-In-State Wealth Management Teams ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/21 – 3/31/22. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client's experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor's future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com. ©2023 Morgan Stanley Smith Barney LLC. Member SIPC.
Services Include
- Professional Portfolio ManagementFootnote1
- Trust AccountsFootnote2
- 401(k) Rollovers
- Asset Management
- Financial PlanningFootnote3
- Lending Products
- Planning for Education FundingFootnote4
- Retirement PlanningFootnote5
- Wealth ManagementFootnote6
- 529 PlansFootnote7
- AnnuitiesFootnote8
- Cash ManagementFootnote9
- Corporate Retirement PlansFootnote10
- Divorce Financial AnalysisFootnote11
- Life InsuranceFootnote12
- Long Term Care InsuranceFootnote13
- Planning for Individuals with Special Needs
- Structured ProductsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
With dedication and passion, The Galileo Planning Group is committed to help you and your family reach your financial goals. With highly personalized care, we strive to find the best possible solutions for our individual clients.
Step 1: Understanding You
Our process begins with a detailed conversation that identifies what is truly important to you. During this meeting, we'll ask a series of questions to get an in-depth understanding of your personal, professional and financial situation, as well as your long-term investment goals, time horizon and tolerance for risk.
Step 2: Customizable Plan
From this ongoing dialogue, we'll analyze your current situation and begin to develop comprehensive strategies to help achieve your goals. This analysis will address income and retirement planning, as well as investment and risk management.
Step 3: Plan Implementation
Once you review and approve your plan, we will begin to execute these strategies appropriately. As we work together, we will ensure that you are on track with your portfolio to achieve your financial goals.
Step 4: Ongoing Assessment
We will have ongoing conversations about the management of your investment plan to help ensure your portfolio is properly balanced, and the investment vehicles utilized are performing according to preset benchmarks.
How We Give Back To Our Community
"No man can become rich without himself enriching others" - Andrew Carnegie
Our team is actively involved in many aspects of our local community in an effort to help those around us. Being involved in a variety of projects allows us to meet and help people from all walks of life. Come join us in some of the projects we work with.
Kiwanis - Coats for Kids
Brian has been an active member of the local Kiwanis club for many years serving as President, Board Member and Committee Chair.
Brian continues to serve as Committee Chair and leads the annual Coats for Kids program where 500+ coats are donated each year to help the children in our local area stay warm through the winter.
City Council
In addition to the numerous ways that Jeanine is involved our community, she has served as a City Councilor since 2019. She is involved in keeping our community safe and help strengthen our economic area.
Connie Mack World Series
The Galileo team is also involved in the Connie Mack World Series as both proud sponsors and fans of America's favorite pastime.
School Supply Drive
The Galileo Team also serve their community by being actively involved with the Salvation Army's school supply drive in Farmington, New Mexico. Brian and Jeanine help with donating backpacks and school supplies to kids in kindergarten to eighth grade.
Four Corners Balloon Rally
The Galileo Team are proud balloon sponsors for the Four Corners Balloon Rally, a three day event in Farmington where hot air balloons from across the nation soar over the city!
Planning Ahead
Our team will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, our team is equipped with the resources and the knowledge to help you accomplish your personal and financial goals.
Understanding your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it's important to be emotionally (not just financially) ready for retirement.
Risks to your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it's critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you'll pay in taxes and may help you keep more of the returns. Each retiree's situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Market Outlook
Each month, Galileo Planning Group at Morgan Stanley offers an exclusive article based on the markets.
August Outlook
This month we focused on College Savings. Click below to read our monthly topic.
Read MoreSeptember Outlook
This month we focused on Health Care. Click below to read our monthly topic.
Read MoreOctober Outlook
This month we focused on Protecting Yourself Online. Click below to read our monthly topic.
Read MoreLocation
4801 N Butler
Ste 14101
Farmington, NM 87401
US
Direct:
(505) 326-9326(505) 326-9326
Toll-Free:
(800) 767-6201(800) 767-6201
Fax:
(505) 404-9203(505) 404-9203
Meet The Galileo Planning Group
Jeanine Bingham Kelly
First Vice President, Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(505) 326-9326(505) 326-9326
Tandra Valentine
Client Service Associate
Phone:
(505) 326-9323(505) 326-9323
Tayla Shondee
Client Service Associate
Phone:
(505) 326-9324(505) 326-9324
About Brian S. Turner
Brian Turner became a valued member of Morgan Stanley in 2012 and is a founding member of The Galileo Planning Group. Over the years, his expertise has evolved through various positions such as Client Service Associate and Wealth Advisory Associate. During this time, Brian received comprehensive training in retirement plan analyses, benefitting not only our team but also other Financial Advisors in the southwest region. Given the importance of this service, having Brian on our team enables us to deliver personalized assistance to every client. Today, as a Financial Advisor and Senior Portfolio Manager, Brian excels in presenting tailor-made planning solutions and effectively implementing them to help clients achieve their unique goals.
Brian joins Morgan Stanley with a strong background in international aviation management, having worked closely with numerous Japanese and Chinese airlines. This experience has equipped him with a comprehensive understanding of the global dynamics at play in the industry. Furthermore, Brian holds a Bachelor of Science degree in International Business from BYU- Hawaii, complemented by a minor in Japanese. During his time as a student, he dedicated two years to volunteering as a missionary in Sapporo, Japan, where he achieved fluency in the Japanese language.
Outside of his professional endeavors, Brian actively engages with his community by serving on various local boards. Among his notable contributions, Brian spearheads the Kiwanis Coats for Kids program, which annually distributes hundreds of free coats to underprivileged children in the area. Additionally, Brian is deeply involved in his church, serving as both an ecclesiastical leader and a youth leader for boys aged 11-13.
Above all, Brian cherishes quality time with his wife Cami and their children, prioritizing their happiness and well-being.
Brian joins Morgan Stanley with a strong background in international aviation management, having worked closely with numerous Japanese and Chinese airlines. This experience has equipped him with a comprehensive understanding of the global dynamics at play in the industry. Furthermore, Brian holds a Bachelor of Science degree in International Business from BYU- Hawaii, complemented by a minor in Japanese. During his time as a student, he dedicated two years to volunteering as a missionary in Sapporo, Japan, where he achieved fluency in the Japanese language.
Outside of his professional endeavors, Brian actively engages with his community by serving on various local boards. Among his notable contributions, Brian spearheads the Kiwanis Coats for Kids program, which annually distributes hundreds of free coats to underprivileged children in the area. Additionally, Brian is deeply involved in his church, serving as both an ecclesiastical leader and a youth leader for boys aged 11-13.
Above all, Brian cherishes quality time with his wife Cami and their children, prioritizing their happiness and well-being.
Securities Agent: NM, ID, DC, AZ, FL, OR, NV, SC, ND, MT, UT, NY, NH, MA, KS, WY, CO, CA, IL, WA, VA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1255744
NMLS#: 1255744
About Jeanine Bingham Kelly
Jeanine Kelly joined the firm in 2008, bringing with her a wealth of experience in the financial services industry spanning over two decades. Her journey began at a local community bank, where she honed her skills and deepened her understanding of finance. After seven successful years at Merrill Lynch, Jeanine embarked on a new chapter in her career by joining the esteemed Morgan Stanley.
Jeanine's passion for finance and economics led her to earn a Bachelor of Business Administration in Finance and Economics from the prestigious New Mexico State University. This educational background, combined with her extensive professional experience, equips Jeanine with a comprehensive understanding of the financial landscape.
Jeanine is not only a dedicated professional but also a loving wife and mother. She has been happily married to her husband Kenneth for an incredible 27 years, and together they have raised two wonderful children and are blessed with three cherished grandchildren. Beyond her family commitments, Jeanine actively engages in her community and is passionate about making a positive impact through politics. She selflessly serves on the board of a prominent political organization, utilizing her expertise and influence to bring about meaningful change.
When she's not immersed in her professional or community commitments, Jeanine finds solace and joy in spending quality time with her beloved family and friends. She values the simple pleasures of life, such as reading and immersing herself in the beauty of the great outdoors.
Jeanine's passion for finance and economics led her to earn a Bachelor of Business Administration in Finance and Economics from the prestigious New Mexico State University. This educational background, combined with her extensive professional experience, equips Jeanine with a comprehensive understanding of the financial landscape.
Jeanine is not only a dedicated professional but also a loving wife and mother. She has been happily married to her husband Kenneth for an incredible 27 years, and together they have raised two wonderful children and are blessed with three cherished grandchildren. Beyond her family commitments, Jeanine actively engages in her community and is passionate about making a positive impact through politics. She selflessly serves on the board of a prominent political organization, utilizing her expertise and influence to bring about meaningful change.
When she's not immersed in her professional or community commitments, Jeanine finds solace and joy in spending quality time with her beloved family and friends. She values the simple pleasures of life, such as reading and immersing herself in the beauty of the great outdoors.
Securities Agent: ND, VA, TX, NM, MT, KS, IL, NY, SC, OR, UT, NV, CA, FL, DC, ID, CO, AZ, WY, MA, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1489605
NMLS#: 1489605
Contact Brian S. Turner
Contact Jeanine Bingham Kelly
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
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Ready to start a conversation? Contact The Galileo Planning Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Investors 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
10When 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
2Morgan 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.
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.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Investors 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
10When 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
