

The George Group at Morgan Stanley
Direct:
(516) 683-3282(516) 683-3282

Our Mission Statement
Trusted. Transparent. Tailored.
Meet The George Group
The George Group at Morgan Stanley is a family team with the ability to bring a distinct perspective to the complicated, multigenerational challenges of managing significant wealth. They understand the complex nature of working alongside your children, siblings, and parents, and how these roles may evolve over time. When they speak to their clients about wealth transfer, family business succession and other issues that are essential in the legacy planning process, they understand how important it is to you.
The founder of The George Group, Ray George has over 30 years of experience in the financial services industry. He has been named to the Forbes Best-In-State Wealth Advisors Ranking from 2019 - 2024. The George Group has been named to the Forbes Best-In-State Wealth Management Teams in 2022, 2023 and 2024 and utilizes their years of experience as well as the vast global resources of Morgan Stanley, to provide customized and comprehensive solutions to meet your wealth management needs.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022, 2023, 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022, 2023, 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
The founder of The George Group, Ray George has over 30 years of experience in the financial services industry. He has been named to the Forbes Best-In-State Wealth Advisors Ranking from 2019 - 2024. The George Group has been named to the Forbes Best-In-State Wealth Management Teams in 2022, 2023 and 2024 and utilizes their years of experience as well as the vast global resources of Morgan Stanley, to provide customized and comprehensive solutions to meet your wealth management needs.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022, 2023, 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022, 2023, 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Services Include
- Trust AccountsFootnote1
- UGMA/UTMAFootnote2
- Wealth Consulting
- Municipal BondsFootnote3
- Planning for Education FundingFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Retirement PlanningFootnote6
- Wealth PlanningFootnote7
- Business PlanningFootnote8
- Sustainable InvestingFootnote9
- Financial PlanningFootnote10
- Defined Contribution PlansFootnote11
- Asset Management
- Professional Portfolio ManagementFootnote12
- Philanthropic ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 683-3282(516) 683-3282
Meet The George Group
About Raymond George
Raymond L. George III is a Managing Director, Portfolio Management Director, Financial Advisor and founder of The George Group at Morgan Stanley Wealth Management. A seasoned professional with more than 25 years of financial services experience, Ray has dedicated his entire career to helping his clients achieve their financial goals. His approach focuses on a comprehensive wealth management plan and a commitment to providing outstanding service and advice.
Prior to becoming a member of the Morgan Stanley family in 2014, Ray worked as a Financial Advisor at Merrill Lynch for 24 years. Raymond graduated from St. Thomas University in St. Paul, Minnesota in 1990 with a B.S. degree in Business. He earned the prestigious designation of Chartered Retirement Planning CounselorTM (CRPC®) from the College for Financial Planning in 2013. Over the course of his career, he has received numerous distinctions and professional accolades. Most recently, Ray was honored with the Five Star New York City Wealth Manager award by New York magazine in 2014, 2015 and 2016. Ray has also been named to the Forbes Best In State Wealth Advisors list from 2019-2024.
A native of St. Paul, Minnesota, Ray has been calling Long Island his home for the past 15 years. He resides in Garden City with his wife, Cynthia. They have four adult children, Cody, Taylor, Lauren, and Madison. Two of his children, Cody and Taylor, are also his business partners both advising for The George Group. Ray sits on the board of the Eastern Long Island Hospital Association (ELIH) and is a member of The Men’s Association (TMA), Cherry Valley Club, and North Fork Country Club. When he’s not helping clients or actively volunteering, you can find him spending quality time with friends and family. His favorite activities include boating and supporting his children in their various activities.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2014, 2015, 2016 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Prior to becoming a member of the Morgan Stanley family in 2014, Ray worked as a Financial Advisor at Merrill Lynch for 24 years. Raymond graduated from St. Thomas University in St. Paul, Minnesota in 1990 with a B.S. degree in Business. He earned the prestigious designation of Chartered Retirement Planning CounselorTM (CRPC®) from the College for Financial Planning in 2013. Over the course of his career, he has received numerous distinctions and professional accolades. Most recently, Ray was honored with the Five Star New York City Wealth Manager award by New York magazine in 2014, 2015 and 2016. Ray has also been named to the Forbes Best In State Wealth Advisors list from 2019-2024.
A native of St. Paul, Minnesota, Ray has been calling Long Island his home for the past 15 years. He resides in Garden City with his wife, Cynthia. They have four adult children, Cody, Taylor, Lauren, and Madison. Two of his children, Cody and Taylor, are also his business partners both advising for The George Group. Ray sits on the board of the Eastern Long Island Hospital Association (ELIH) and is a member of The Men’s Association (TMA), Cherry Valley Club, and North Fork Country Club. When he’s not helping clients or actively volunteering, you can find him spending quality time with friends and family. His favorite activities include boating and supporting his children in their various activities.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2014, 2015, 2016 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: IL, NC, ME, MD, DC, VT, SD, CO, NV, MN, CA, OR, NJ, CT, AZ, PA, NY, HI, GA, WA, SC, MA, DE, VA, TX, TN, OH, MI, FL, WI, RI, MS, IA, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 578197
NMLS#: 578197
About Me
As a Financial Advisor with the George Group, Cody can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, The George Group can help you preserve and grow your wealth. You will have access to some of the worlds most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
After Graduating from Garden City High School, Cody went on to attend Dartmouth College, where he studied Political Science and Government. While playing Division 1 Lacrosse at Dartmouth, Cody developed a strong work ethic, sense of determination, and value of team work. Upon graduation in 2018, he joined the George Group at Morgan Stanley and obtained the Series 7, 63, and 65 licenses as well as The New York State Life, Accident and Health Insurance license. Cody is also a Certified Divorce Financial Analyst® professional. He can provide in-depth financial analysis and advice to attorneys and couples relating to divorce. Cody is a proud member of Morgan Stanley's Pacesetter's club, a group of some of the firms most successful Financial Advisors.
Born in Minnesota and raised on Long Island, Cody currently lives in Long Beach. He is an active alumnus of Dartmouth College as well as a member of The Cherry Valley Club in Garden City. When Cody is not assisting clients or volunteering in his community, he enjoys water sports, boating, golfing, and snowboarding.
Morgan Stanley Wealth Management Pacesetters Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club is no guarantee of future performance.
After Graduating from Garden City High School, Cody went on to attend Dartmouth College, where he studied Political Science and Government. While playing Division 1 Lacrosse at Dartmouth, Cody developed a strong work ethic, sense of determination, and value of team work. Upon graduation in 2018, he joined the George Group at Morgan Stanley and obtained the Series 7, 63, and 65 licenses as well as The New York State Life, Accident and Health Insurance license. Cody is also a Certified Divorce Financial Analyst® professional. He can provide in-depth financial analysis and advice to attorneys and couples relating to divorce. Cody is a proud member of Morgan Stanley's Pacesetter's club, a group of some of the firms most successful Financial Advisors.
Born in Minnesota and raised on Long Island, Cody currently lives in Long Beach. He is an active alumnus of Dartmouth College as well as a member of The Cherry Valley Club in Garden City. When Cody is not assisting clients or volunteering in his community, he enjoys water sports, boating, golfing, and snowboarding.
Morgan Stanley Wealth Management Pacesetters Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club is no guarantee of future performance.
Securities Agent: NJ, NY, HI, VA, DE, MN, MD, GA, ME, IL, IA, FL, OH, NV, CT, CA, AR, VT, RI, MS, AZ, SD, WI, TN, PA, OR, MI, MA, CO, TX, NC, DC, WA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1857672
NMLS#: 1857672
About Taylor Goepfert
Raised on Long Island, Taylor graduated from Fairfield University’s Dolan School of Business with a bachelor’s in marketing. She joined Morgan Stanley as a Client Service Associate before transitioning to Financial Advising with The George Group. Her experience as a Client Service Associate has helped her to understand the unique needs of each client and in the process of helping clients, she has built strong and meaningful relationships.
As a Financial Advisor, Taylor’s main goal is to assist clients with creating plans to help them meet their individual needs. Since joining the firm, she has obtained the Series 7, 66, 63 licenses as well as The New York State Accident, Life and Health Insurance license. Taylor is a proud member of Morgan Stanley's Pacesetter's club, a group of some of the firms most successful Financial Advisors.
Taylor currently lives in Mineola with her husband Brian. When Taylor is not assisting clients, she enjoys going to the beach, hanging out with family and friends and baking.
Morgan Stanley Wealth Management Pacesetters Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club is no guarantee of future performance.
As a Financial Advisor, Taylor’s main goal is to assist clients with creating plans to help them meet their individual needs. Since joining the firm, she has obtained the Series 7, 66, 63 licenses as well as The New York State Accident, Life and Health Insurance license. Taylor is a proud member of Morgan Stanley's Pacesetter's club, a group of some of the firms most successful Financial Advisors.
Taylor currently lives in Mineola with her husband Brian. When Taylor is not assisting clients, she enjoys going to the beach, hanging out with family and friends and baking.
Morgan Stanley Wealth Management Pacesetters Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club is no guarantee of future performance.
Securities Agent: MN, SD, DE, FL, NY, NV, IL, WI, HI, DC, TX, OR, MD, CA, OH, NJ, MA, CT, RI, CO, VT, TN, PA, MI, ME, AR, MS, SC, NC, IA, GA, AZ, WA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 2069358
NMLS#: 2069358
About David Lazaros
Securities Agent: CO, LA, DE, VA, TX, MI, WA, RI, OR, OH, CT, VT, MO, MD, HI, FL, MA, CA, AZ, TN, NY, ME, DC, MN, GA, PA, NJ, IL, WI, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1773581
NMLS#: 1773581
About Amy R.Curley
Amy R. Curley is a Wealth Management Associate with The George Group at Morgan Stanley. With more than 20 years of investment experience, she is qualified to facilitate complex trading orders and handle all portfolio management requests. She works directly with Ray to conduct financial planning analyses, portfolio reviews and assist clients with banking and lending strategies. She executes all of this while staying true to The George Group's mission of implementing a high level of client service and specialized attention.
Amy began her career in 1994 on the floor of the New York Stock Exchange. Over the course of her career, she has had the opportunity to work at several financial institutions, including Tucker Anthony, Deutsche Bank and Merrill Lynch, where she first met and began working with Ray in 2006. She joined Ray in his move to Morgan Stanley in 2014. Amy attended The Masters School in Dobbs Ferry N.Y. and holds her B.A. degree in Psychology from Pine Manor College. Amy maintains her FINRA series 7, 63 and 66 registrations.
Born and raised on Long Island, Amy currently resides in Garden City with her husband, Dennis, and their two children, Caroline and Will. She is actively involved with the Long Island chapter of the Cystic Fibrosis Foundation, and in her free time enjoys cooking, skiing and spending time at the beach with family and friends.
Amy began her career in 1994 on the floor of the New York Stock Exchange. Over the course of her career, she has had the opportunity to work at several financial institutions, including Tucker Anthony, Deutsche Bank and Merrill Lynch, where she first met and began working with Ray in 2006. She joined Ray in his move to Morgan Stanley in 2014. Amy attended The Masters School in Dobbs Ferry N.Y. and holds her B.A. degree in Psychology from Pine Manor College. Amy maintains her FINRA series 7, 63 and 66 registrations.
Born and raised on Long Island, Amy currently resides in Garden City with her husband, Dennis, and their two children, Caroline and Will. She is actively involved with the Long Island chapter of the Cystic Fibrosis Foundation, and in her free time enjoys cooking, skiing and spending time at the beach with family and friends.
About Alex Buchbinder
Alex Buchbinder serves as a Registered Client Service Associate for The George Group at Morgan Stanley. He
brings a wealth of knowledge and a strong commitment of client service to our team. An alumnus of The University of Michigan, Alex graduated with a Bachelor's Degree in Political Economics with a minor in marketing from The Ross School of Business.
Alex joined Morgan Stanley in June of 2022, working as a Digital Virtual Engagement Associate (VEA).
At Morgan Stanley, he excelled in assisting financial advisors nationwide. He leveraged Morgan Stanley’s firm tools, improved prospecting efforts, and played a part in growing the book of business for the advisors he worked with.
As a team member of The George Group, Alex is dedicated to providing clients with the highest level of service, striving to make a positive impact on the lives and families he assists. His commitment to excellence and personalized service sets him apart in the wealth management field.
Outside of his professional endeavors, Alex has a passion for boxing, watching sports and spending time with friends and family. Originally from Merrick, NY Alex now resides in Manhattan. Alex is series 7, 63 & 65 licensed.
brings a wealth of knowledge and a strong commitment of client service to our team. An alumnus of The University of Michigan, Alex graduated with a Bachelor's Degree in Political Economics with a minor in marketing from The Ross School of Business.
Alex joined Morgan Stanley in June of 2022, working as a Digital Virtual Engagement Associate (VEA).
At Morgan Stanley, he excelled in assisting financial advisors nationwide. He leveraged Morgan Stanley’s firm tools, improved prospecting efforts, and played a part in growing the book of business for the advisors he worked with.
As a team member of The George Group, Alex is dedicated to providing clients with the highest level of service, striving to make a positive impact on the lives and families he assists. His commitment to excellence and personalized service sets him apart in the wealth management field.
Outside of his professional endeavors, Alex has a passion for boxing, watching sports and spending time with friends and family. Originally from Merrick, NY Alex now resides in Manhattan. Alex is series 7, 63 & 65 licensed.

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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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The George Group today.
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1Morgan 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.
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.
3Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
5Investors 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.
6When 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Morgan Stanley 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.
11When 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.
12Morgan 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.
13Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
1Morgan 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.
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.
3Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
5Investors 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.
6When 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Morgan Stanley 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.
11When 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.
12Morgan 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.
13Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)