Phone:
(770) 698-2105(770) 698-2105
The Garbade | Allen Group at Morgan Stanley
Direct:
(770) 698-2100(770) 698-2100
Our Mission Statement
To be good stewards of all that is entrusted to us. To live and work from a place of earned trust.
Our Story and Services
We believe in simplifying lives. We believe in helping people to live better.
The Garbade | Allen Group has over 50 years of combined investment and financial planning experience. We work with individuals, families and organizations to facilitate their wealth management planning objectives. Our primary areas of focus include portfolio management, comprehensive financial planning, retirement planning and access to trust services.
Our chief objective is to help act as our clients' "personal CFO" by managing their assets as we would our own families', helping them to make more informed decisions as well as by formulating strategies to help grow and preserve their assets and estate. We aspire to build meaningful relationships based on a foundation of trust. Ultimately, our goal is to help our clients maintain their vision of financial success and achieve their dreams.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
The Garbade | Allen Group has over 50 years of combined investment and financial planning experience. We work with individuals, families and organizations to facilitate their wealth management planning objectives. Our primary areas of focus include portfolio management, comprehensive financial planning, retirement planning and access to trust services.
Our chief objective is to help act as our clients' "personal CFO" by managing their assets as we would our own families', helping them to make more informed decisions as well as by formulating strategies to help grow and preserve their assets and estate. We aspire to build meaningful relationships based on a foundation of trust. Ultimately, our goal is to help our clients maintain their vision of financial success and achieve their dreams.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Wealth PlanningFootnote3
- Alternative InvestmentsFootnote4
- Estate Planning StrategiesFootnote5
- Trust ServicesFootnote6
- Professional Portfolio ManagementFootnote7
- Fixed IncomeFootnote8
- Trust AccountsFootnote9
- 401(k) Rollovers
- 529 PlansFootnote10
- Donor Advised Funds
- Life InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process Starts with You
As your dedicated financial advisors, our role is to tailor a bespoke financial strategy that fits your individual needs. We ask questions about your goals, your dreams, and any financial worries you might have. It's an ongoing process through which we can understand you, your family, and your financial landscape.
1. Information Gathering
Our relationship begins with learning more about you. We take the time to fully understand you and your family by evaluating financial needs and investment preferences. We consider all of your challenges, goals and aspirations when building your financial picture.
2. Goals Based Planning
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success. Our strategy incorporates your investment objectives, timelines, cash requirements and risk tolerance.
3. Implementation
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources to ensure swift, decisive action in all market scenarios.
4. Performance Check-In
Our team creates a personalized agenda for each meeting. We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
With a customized, model-driven approach, we aim to design a financial plan that is truly tailored to your unique needs and aspirations. Everyone's goals are unique, and one model or product does not apply to every circumstance. That is why we offer a wide array of financial capabilities – so that you can feel secure, knowing your financial assets are properly managed. Whether we are building your portfolio from scratch or updating an existing one, we go the extra mile to understand how your investment style can be optimized for your objectives.
We strive for honest communication and collaboration with you – by telephone, email and in person – to ensure your financial strategy stays aligned with your evolving objectives.
Investment Excellence
As your financial advisors, our experience as investment managers for every type of client makes your experience with us as welcoming as possible. We make it easy for you to ask questions so that you can fully understand the details of our strategy.
Fresh, Strategic Ideas
We are engrossed with the financial market every day thorough our exposure to a diverse range of institutional money managers and thought leaders at Morgan Stanley and around the industry. Access to this wealth of financial knowledge allows us to incorporate a sophisticated framework into our disciplined process.
Tailored Approach
Every relationship begins with a clear understanding of your goals, dreams and what keeps you up at night. We work closely with your accountant and attorney to gain the necessary knowledge needed to manage all aspects of your finances. Above all, we aim to anticipate and avoid blind spots to keep your financial roadmap on track.
Financial Education
Education is the foundation of our practice's responsibility, discipline, and commitment. We continuously strive to become better and more effective financial advisors so that you can experience better long-term results.
Outstanding service
Your satisfaction is our priority. We believe we earn your trust not only through the quality of our advice and investments, but through the excellence with which we deliver them.
Eric Garbade awarded Five Star Wealth Manager Award by Five Star Professional
Eric has been recognized for his consistent, outstanding performance in wealth management by Atlanta Magazine's Wealth Managers in 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021. Eric has met the eligibility and evaluation criteria that are associated with wealth managers for their dedication to their clients. This award was issued in 2011-2021. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from 11/30/2020 through 06/25/2021.
Scott Allen awarded Five Star Wealth Manager Award by Five Star Professional
Scott has been recognized for his consistent, outstanding performance in wealth management by Atlanta Magazine's Wealth Managers.
2015-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award - 2/4/15 - 7/22/15
2016 Award - 2/4/16 - 7/22/16
2017 Award - 12/20/16 - 7/4/17
2018 Award - 12/29/17 - 7/24/18
2019 Award - 12/30/28 - 7/23/19
2020 Award - 12/23/19 – 07/10/20
2021 Award - 11/30/20 - 6/25/21
2022 Award – 12/13/21 - 6/10/22
Certified Financial Planner
Eric maintains his CERTIFIED FINANCIAL PLANNER™ certification which is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure financial future.
Certified Investment Management Analyst
Eric maintains his CIMA certification, which is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA certification stands out among other financial certifications for its effective emphasis on the combination of theory and practical application.
Chartered Retirement Plans Specialist
Hunter maintains his CRPS certification, as retirement plan options evolve and tax complexities increase, many companies seek professional plan administrators to design, install, and maintain their company retirement plans. Firms of all sizes recognize the unique skills needed to implement and oversee these internal retirement plans.
Location
5 Concourse Pkwy
Ste 2000
Atlanta, GA 30328
US
Direct:
(770) 698-2100(770) 698-2100
Meet The Garbade | Allen Group
First Vice President, Private Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(770) 698-2102(770) 698-2102
Phone:
(770) 698-1607(770) 698-1607
Kimberly Long
Portfolio Associate
Phone:
(770) 698-2173(770) 698-2173
About Eric L. Garbade
Eric Garbade is a Senior Vice President, Financial Advisor, Portfolio Management Director, and Founding Partner of The Allen/Garbade Group at Morgan Stanley.
Eric joined Morgan Stanley in 2002 after graduating from The University of Georgia with a BBA in Finance. He is a Certified Financial Planner practitioner and Certified Investment Management Investment Analyst. Eric has completed an Executive Educational Program offered through The Wharton School at The University of Pennsylvania, which consisted of extensive studies on asset allocation, manager search and selection, investment policy review and performance measurement.
As a life-long native of Atlanta, Eric enjoys spending time with family and friends, reading, traveling, attending sporting events, exercising, playing golf, and piano. He and his wife, Lauren, live in Atlanta with their two children. Exemplifying his rank of Eagle Scout, which is considered the highest honor in Boy Scouts of America, Eric has consistently engaged in activities aimed at supporting causes such as Children’s Healthcare of Atlanta, Auditory-Verbal Center, The St. Martin’s Episcopal School Foundation, Trellis Horticultural Therapy Alliance, and Forget Me Not Frances. Additionally, he is a member of the fraternity of Phi Gamma Delta and is a member of The University of Georgia Alumni Association.
Eric joined Morgan Stanley in 2002 after graduating from The University of Georgia with a BBA in Finance. He is a Certified Financial Planner practitioner and Certified Investment Management Investment Analyst. Eric has completed an Executive Educational Program offered through The Wharton School at The University of Pennsylvania, which consisted of extensive studies on asset allocation, manager search and selection, investment policy review and performance measurement.
As a life-long native of Atlanta, Eric enjoys spending time with family and friends, reading, traveling, attending sporting events, exercising, playing golf, and piano. He and his wife, Lauren, live in Atlanta with their two children. Exemplifying his rank of Eagle Scout, which is considered the highest honor in Boy Scouts of America, Eric has consistently engaged in activities aimed at supporting causes such as Children’s Healthcare of Atlanta, Auditory-Verbal Center, The St. Martin’s Episcopal School Foundation, Trellis Horticultural Therapy Alliance, and Forget Me Not Frances. Additionally, he is a member of the fraternity of Phi Gamma Delta and is a member of The University of Georgia Alumni Association.
Securities Agent: VA, AR, AL, MS, TN, FL, NC, WA, PA, MI, MD, GA, CA, NY, CO, TX, IN, OH, SC, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312649
NMLS#: 1312649
About Scott Allen
After obtaining his MBA, Scott moved to Atlanta and began in the Financial Services industry in 1982. Scott has over 40 years of industry experience as an analyst and portfolio manager. As a Portfolio Management Director, he is among a select group of Morgan Stanley advisors who take a hands-on approach to the markets by doing his own research, analysis, and portfolio construction. With more than three decades of managing portfolios, he has experienced both bear and bull markets up close and personal. He remains patient and focuses on his client’s objectives of building and maintaining their wealth. This includes providing clients with the proper asset allocation for their risk tolerance. He does this from his passion for creating and managing custom and model portfolios. He manages risk in the most tax-efficient manner using tax-loss harvesting, tax management strategies, and wealth planning and/or philanthropic strategies.
Scott lives in East Cobb with his wife Lynn. They have been married for 37 years and have two sons Max and Hunter and a daughter in law, Holly. He likes to spend time with family, golf, swim and read in his spare time.
Scott lives in East Cobb with his wife Lynn. They have been married for 37 years and have two sons Max and Hunter and a daughter in law, Holly. He likes to spend time with family, golf, swim and read in his spare time.
Securities Agent: OH, FL, TX, TN, AL, NY, MS, CO, WA, VA, MI, IN, NC, MD, SC, IL, CA, GA, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1285144
NMLS#: 1285144
About Hunter Allen
Hunter Allen is a Financial Advisor, Financial Planning Specialist, Chartered Retirement Plans Specialist, and a partner of the Garbade | Allen Group at Morgan Stanley. With extensive experience in the financial services industry, he focuses on comprehensive financial planning for corporate executives, young professionals, business owners, individuals, and families.
A graduate of Mississippi State University, Hunter earned a Bachelor of Science degree in Biochemistry. He entered the workforce in San Antonio Texas at the Institute of Surgical Research developing Extracorporeal Membrane Oxygenation for Army veterans suffering from burn injuries in the ICU. Prior to joining Morgan Stanley, Hunter worked at Merrill Lynch as a financial advisor rendering advise on corporate retirement plans before ultimately joining the family business partnering with Scott Allen and Eric Garbade at Morgan Stanley.
With meticulous attention to detail, Hunter builds customized wealth management plans that are carefully crafted to meet each client’s unique needs, objectives, and risk tolerance. Throughout this process, he maintains a high level of communication with clients to ensure that their financial plans stay aligned with their vision for the future.
Outside of the office, Hunter stays active playing tennis, pickleball, golf, and basketball. Hunter enjoys traveling to new countries such as Canada, Dominican Republic, Germany, Kenya, Rwanda, Peru, Spain.
Hunter has his FINRA SIE, Series 7, and 66 registrations, as well as his insurance licenses to assist with Life, Accident, and Long Term Care.
A graduate of Mississippi State University, Hunter earned a Bachelor of Science degree in Biochemistry. He entered the workforce in San Antonio Texas at the Institute of Surgical Research developing Extracorporeal Membrane Oxygenation for Army veterans suffering from burn injuries in the ICU. Prior to joining Morgan Stanley, Hunter worked at Merrill Lynch as a financial advisor rendering advise on corporate retirement plans before ultimately joining the family business partnering with Scott Allen and Eric Garbade at Morgan Stanley.
With meticulous attention to detail, Hunter builds customized wealth management plans that are carefully crafted to meet each client’s unique needs, objectives, and risk tolerance. Throughout this process, he maintains a high level of communication with clients to ensure that their financial plans stay aligned with their vision for the future.
Outside of the office, Hunter stays active playing tennis, pickleball, golf, and basketball. Hunter enjoys traveling to new countries such as Canada, Dominican Republic, Germany, Kenya, Rwanda, Peru, Spain.
Hunter has his FINRA SIE, Series 7, and 66 registrations, as well as his insurance licenses to assist with Life, Accident, and Long Term Care.
Securities Agent: OH, IN, AZ, VA, CO, AL, MO, MD, LA, KY, ID, AR, NJ, NC, CA, WA, IL, FL, SC, NV, TN, TX, MS, MI, GA, CT, WI, PA, NY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2440893
NMLS#: 2440893
Contact Eric L. Garbade
Contact Scott Allen
Contact Hunter Allen
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Lisa Bingaman, CFP®
Financial Planning Director, Vice President
Jen Meredith, CFP®
Financial Planning Director, Vice President
About Lisa Bingaman
Lisa is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the state of Georgia. She is responsible for helping Financial Advisors’ clients and prospects with their financial planning needs.
Lisa is a CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant® who began her career in Financial Services in 2007. She has been Series 7 and Series 66 registered, and Life/Health/Variable Annuities Licensed for 17 years. Before joining Morgan Stanley, Lisa was one of five Internal National Certified Financial Planners for Nationwide Financial, but the bulk of her experience was with Wells Fargo Advisors, where she collaborated with several teams and Financial Advisors in the Southeast region to consult on processes and procedures for implementing Financial Planning into the practice. Here, she mentored under a Branch Manager and CFP®, while working towards her own designations.
In addition to her degrees in Business Management and Psychology, Lisa holds a Bachelor of Science in Consumer Economics with a Concentration in Financial Planning from the University of Georgia. She lives in Middle Georgia with her husband and their 2 children, where they spend most of their free time on the baseball and soccer fields.
Lisa is a CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant® who began her career in Financial Services in 2007. She has been Series 7 and Series 66 registered, and Life/Health/Variable Annuities Licensed for 17 years. Before joining Morgan Stanley, Lisa was one of five Internal National Certified Financial Planners for Nationwide Financial, but the bulk of her experience was with Wells Fargo Advisors, where she collaborated with several teams and Financial Advisors in the Southeast region to consult on processes and procedures for implementing Financial Planning into the practice. Here, she mentored under a Branch Manager and CFP®, while working towards her own designations.
In addition to her degrees in Business Management and Psychology, Lisa holds a Bachelor of Science in Consumer Economics with a Concentration in Financial Planning from the University of Georgia. She lives in Middle Georgia with her husband and their 2 children, where they spend most of their free time on the baseball and soccer fields.
About Jen Meredith
Jen Meredith, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Atlanta, GA. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Jen began her career in financial services in 2000 and joined Morgan Stanley in 2020. Prior to her current position, she worked with USAA Wealth Management as the Regional Financial Planner and Fidelity Investments as a Financial Consultant. She has also served as SVP of Financial Planning with an RIA focused on the Ultra High Net Worth client.
Jen graduated from The University of Alabama and has earned the Certified Financial Planner® designation. Jen lives in Johns Creek, GA with her son, Sam. Outside of work, she is passionate about SEC football, cooking, music and travel. She is an active volunteer for The Autism Society, The University of Alabama Alumni Group, and The Cottage School, where Sam attends High School.
Jen began her career in financial services in 2000 and joined Morgan Stanley in 2020. Prior to her current position, she worked with USAA Wealth Management as the Regional Financial Planner and Fidelity Investments as a Financial Consultant. She has also served as SVP of Financial Planning with an RIA focused on the Ultra High Net Worth client.
Jen graduated from The University of Alabama and has earned the Certified Financial Planner® designation. Jen lives in Johns Creek, GA with her son, Sam. Outside of work, she is passionate about SEC football, cooking, music and travel. She is an active volunteer for The Autism Society, The University of Alabama Alumni Group, and The Cottage School, where Sam attends High School.
Wealth Management
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Ready to start a conversation? Contact The Garbade | Allen Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
4Alternative 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.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Morgan 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.
10Investors 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.
11Insurance 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
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
4Alternative 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.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Morgan 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.
10Investors 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.
11Insurance 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)
