Phone:
(309) 671-4653(309) 671-4653
The Grandview Capital Group at Morgan Stanley
Our Mission Statement
We are honored and proud to be named to the 2025 Forbes Best-In-State Wealth Management Teams, ranking #26.
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Our Story and Services
Rooted in the Midwest, with a global view… a Grandview.
Our mission is your financial success.
The Grandview Capital Group at Morgan Stanley is a seasoned team of financial professionals committed to helping you grow, protect, and strategically manage your wealth. With 150 years of combined experience, the team is comprised of 7 Financial Advisors and 3 Client Service Associates. The team has over $2.2 billion of assets under management as of January 7, 2025. We formed the team to deliver the kind of skilled focus and personalized care that you would expect from a boutique firm, but with the depth and breadth of resources of Morgan Stanley, a leading global financial services firm.
The team derived its name from Grand View Drive in Peoria, Illinois, referred to as “the World’s Most Beautiful Drive” by President Teddy Roosevelt. While based in the Midwest, the team works with clients throughout the United States. Families, business owners, entrepreneurs, corporate executives, professionals, trusts, retirement plans, pension plans, endowments, and foundations are among the clients that we service. We take pride in having worked with clients throughout decades, multiple generations, and numerous market cycles. Our client relationships are built on trust, commitment, and tailored service.
Our mission is your financial success.
The Grandview Capital Group at Morgan Stanley is a seasoned team of financial professionals committed to helping you grow, protect, and strategically manage your wealth. With 150 years of combined experience, the team is comprised of 7 Financial Advisors and 3 Client Service Associates. The team has over $2.2 billion of assets under management as of January 7, 2025. We formed the team to deliver the kind of skilled focus and personalized care that you would expect from a boutique firm, but with the depth and breadth of resources of Morgan Stanley, a leading global financial services firm.
The team derived its name from Grand View Drive in Peoria, Illinois, referred to as “the World’s Most Beautiful Drive” by President Teddy Roosevelt. While based in the Midwest, the team works with clients throughout the United States. Families, business owners, entrepreneurs, corporate executives, professionals, trusts, retirement plans, pension plans, endowments, and foundations are among the clients that we service. We take pride in having worked with clients throughout decades, multiple generations, and numerous market cycles. Our client relationships are built on trust, commitment, and tailored service.
Services Include
- 401(k) Rollovers
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- 529 PlansFootnote3
- Alternative InvestmentsFootnote4
- AnnuitiesFootnote5
- Asset Management
- Corporate Pension Plans
- Corporate Retirement PlansFootnote6
- Endowments and FoundationsFootnote7
- Estate Planning StrategiesFootnote8
- Long Term Care InsuranceFootnote9
- Philanthropic ManagementFootnote10
- Professional Portfolio ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Research & Due Diligence
We strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. As previously stated, we are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The firm is recognized as a thought leader, thus our ability to execute on this objective. We have included, and regularly update, the below links as they provide real-time, succinct analysis on relevant topics that are affecting the finance and business worlds, thus a correlation to what we’re able to accomplish in our own financial lives.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Insights
At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
Click Here to Learn More
2025 Global Investment Outlook: Get Ready to Pivot
Morgan Stanley's Investment Strategists give their 2025 investor strategy outlook.
Click Here to Learn MoreClient Resources
Digital technology is centered on how people communicate, consume, transact, and travel. The comprehensive suite of digital tools at Morgan Stanley is designed to help you enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured Solutions
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Estate Planning
Developing your Estate Plan doesn't have to be a hassle. We've done the heavy lifting for you. From understanding your will or trust, to choosing the right trustee, and knowing the right questions to ask, our team has the resources to guide you through the Estate Planning process.
Estate Planning Meeting Preparation PacketFinancial Planning
The Morgan Stanley Wealth Management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
1. Personal:
Highly individualized and committed to helping you achieve financial success.
2) Flexible:
Responsive to changes in your life and in your priorities over time.
3) Comprehensive:
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us.
Financial Planning Analysis:
To begin complementary financial planning analysis, please click the link the below.
Financial Planning QuestionnaireCauses and Charities
Our advisors here at Grandview Capital work with a diverse array of causes and charities within the community.
Boys & Girls Club
Build Peoria
Central Illinois Memorial Kidney Fund
Easterseals
Greater Peoria YMCA
Juvenile Diabetes Research Foundation
Mark Linder- Walk For The Mind
National Association Of Women Business Owners
Paws Giving Independence
Peoria Civic Center
Peoria Promise
Peoria Riverfront Museum
Prostate Cancer Foundation
River Cup Foundation
Ronald McDonald House
Segs4Vets
Springdale Cemetery & Mausoleum
St. Jude Children's Research Hospital
St. Philomena School
St. Vincent De Paul Parish
Susan G. Komen
University Of Missouri
University Of Notre Dame
Women in Leadership
WTVP
Location
211 Fulton St
Ste 500A
Peoria, IL 61602
US
Direct:
(309) 671-4653(309) 671-4653
Meet The Grandview Capital Group
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(309) 671-2856(309) 671-2856
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(309) 671-2877(309) 671-2877
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(309) 671-2822(309) 671-2822
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Family Wealth Advisor
Phone:
(309) 671-2859(309) 671-2859
Phone:
(217) 547-2943(217) 547-2943
Phone:
(309) 671-2885(309) 671-2885
Bonnie Brockett
Senior Registered Client Service Associate
Phone:
(309) 671-2861(309) 671-2861
Ryan Roberts
Client Service Associate
Phone:
(309) 671-2897(309) 671-2897
Kalei Haggard
Client Service Associate
Phone:
(309) 671-2896(309) 671-2896
About Robert D. Manning
Bob is a Senior Vice President and Financial Advisor with Morgan Stanley. He has been in the investment advisory field for over 27 years. Bob graduated with Bachelor of Business Administration and Master of Business Administration (Magna Cum Laude) degrees from the University of Notre Dame. He also earned the Certified Public Accountant (CPA) designation (now non-practicing). He previously worked in the audit and tax departments of Price Waterhouse and then served as Senior Vice President and Chief Financial Officer of a private sector client for several years. Bob has been married to his wife, Kristen, for over 30 years and has two daughters who recently graduated from college. Bob has been active in the Peoria community for over three decades. He served on the Peoria City Council as well as in leadership positions for a number of non-profit organizations. Bob was elected and served as a Regional Director for the University of Notre Dame Alumni Association board.
Securities Agent: DE, NV, MD, FL, PA, RI, NJ, MS, NY, NM, KY, KS, IN, DC, WI, TX, GA, VA, OH, MI, AR, OK, MN, IA, AZ, AK, SC, NC, CT, CA, WY, WA, OR, LA, CO, AL, TN, NE, MO, MA, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1979072
NMLS#: 1979072
About Roger F. Mulhern III
Roger has been a Financial Advisor for over 15 years, starting with Smith Barney in 2007. He has earned the title Senior Vice President and the Senior Portfolio Manager designation. Roger was also named by Forbes as one of the Best In-State Wealth Advisors in Illinois in 2023 and 2024. Roger graduated from Illinois State University and lives in East Peoria with his wife, Lisa. Together they have four children. Roger is a past board member at EP Community Baseball and Health Education Services at the local American Red Cross. He is an active supporter of United Way and Center for Prevention of Abuse.
[Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22. https://mgstn.ly/3MOYaBj]
[Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22. https://mgstn.ly/3MOYaBj]
Securities Agent: NC, AZ, MA, AK, WI, VA, NM, MO, SC, RI, OH, NY, KY, IN, IL, CO, TN, IA, CT, AR, OK, MN, DE, DC, CA, AL, WY, WA, OR, MS, KS, GA, TX, PA, NJ, MI, NV, MD, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
About Matthew J. Fahel
Matt is in his 39th year with Morgan Stanley and is a Senior Vice President and Portfolio Management Director. He is a graduate of Spalding Institute and Illinois State University. Matt has been married to his wife, Margaret for over 30 years and has two adult children and two grandchildren. His hobbies include landscape architecture, reading historical biographies and he is actively engaged in his church, St. Philomena. Matt’s other passion is golf. He is a three time Peoria Men’s City Champion and won the medalist/stroke play event four times. A member of Mt. Hawley Country Club, Matt has won the club tournament six times. He has also qualified for numerous state and national championships. Matt co-founded and has served as the President of the River Cup Foundation (RCF) since 2000. The RCF is a central Illinois 501c3 non-profit organization dedicated to local children’s charities and college scholarships through the game of golf.
Securities Agent: KS, GA, AL, MI, KY, WI, NM, TN, DE, TX, MA, IA, CT, NJ, MS, RI, AK, VA, SC, MD, CA, MO, IN, PA, OR, OK, DC, NV, NC, MN, FL, WY, WA, OH, IL, CO, AZ, AR, NY; General Securities Representative; Investment Advisor Representative
About Edward L Sutter
Ed has been a Financial Advisor for 23 years with Morgan Stanley and its predecessor firms. Ed is a member of the Grandview Capital Group, which was named to the Forbes Best-In-State Wealth Management Teams list in 2024. He is currently a Senior Vice President and has earned the Financial Planning Specialist designation with the firm. Ed is a native of Peoria, Illinois, where he currently resides with his wife Tracy, and his 5 children: Elle, Grace, Lily, Mack and Bo. Ed graduated from Northwestern University in 1992 and then went on to play six seasons in the National Football League, with the Cleveland Browns, Baltimore Ravens, and Atlanta Falcons. Ed is a member of St. Vincent de Paul Parish, and currently serves on the Board of Directors at the Peoria Friendship House of Christian Service. Ed enjoys coaching youth sports that include basketball, baseball, football, and soccer.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Securities Agent: AR, TX, NJ, MD, IA, VA, NV, NC, MO, MI, IN, AZ, SC, PA, OR, OH, MS, MA, WI, WA, RI, DE, CT, AL, WY, OK, NY, FL, TN, NM, KS, KY, IL, DC, CO, CA, GA, AK, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278721
NMLS#: 1278721
About Andrew Chambers
Andy has been a Financial Advisor at Morgan Stanley since 2010, earning the title of Vice President and achieving the following designations: Alternative Investments Director, Family Wealth Advisor, and Financial Planning Specialist. He is an 8th generation Peorian with family roots in the community going back to the early 1800s. Andy is married to Amanda and has three young children: Caroline, Emma, and John Patrick (JP). The family are parishioners of St. Philomena Church and the two oldest children attend St. Philomena School. Before joining Morgan Stanley, Andy graduated from the University of Missouri. Locally, he volunteered with the IHSA March Madness Experience, serving on the steering and volunteer committees and organizing the Jumpball Jamboree youth basketball tournament. He currently sits on the Board of Directors of WTVP and also supports the Peoria Riverfront Museum, Easter Seals, and Trillium Place Young Minds Center (Carle Health).
Securities Agent: IA, CT, NY, FL, AK, MS, RI, NJ, SD, OH, IL, AR, TX, OK, MI, KS, DC, WY, WA, MO, MN, MD, MA, KY, GA, AZ, VA, SC, NC, CO, TN, HI, DE, CA, WI, PA, OR, IN, NV, AL, NM; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301189
NMLS#: 1301189
About Sean Mulhern
Sean has been a Financial Advisor since 2018. He joined Morgan Stanley in 2021 and was recognized as one of the firm’s best young advisors when he earned his membership into the 2023 Pacesetter’s club for demonstrating the highest professional standards and first-class client service. He is an active member in Springfield’s American Business Club, which is a civic organization that puts an emphasis on helping disabled and disadvantaged youth. Within the American Business Club, Sean sits on the Grant Committee tasked with reviewing grant requests, interviewing local non-profit organizations and ultimately dispersing funds to help make a difference in the community. Sean is a native of East Peoria, Illinois and spent his first two years of college at the University of Dubuque where he played on the Men’s Basketball team. He then transferred to Illinois State University where he graduated with a degree in Finance and Economics. Sean and his wife, Sarah, live in Chatham, Illinois with their two dogs – Louie and Penny. Sean is a passionate sports fan and in his free time he enjoys playing golf and spending time with friends and family.
Securities Agent: IA, AZ, SC, NY, KY, GA, TX, CT, WA, VA, OR, OK, NV, FL, CO, RI, NC, MD, DE, NJ, MN, AR, WI, NM, MI, AL, OH, IL, DC, AK, MS, IN, TN, PA, MA, CA, WY, MO, KS; General Securities Representative; Investment Advisor Representative
About Jesse Hall
Jesse is a Central Illinois native having grown up in Chillicothe, IL just north of Peoria. He graduated from the University of Iowa in 2016 with a bachelor’s degree in finance. He now lives in West Peoria with his wife, Mariah, their daughter, Lola, and their dog, Rhue. Jesse has been with Morgan Stanley since 2018. As a CERTIFIED FINANCIAL PLANNER® professional, his focus lies in holistic financial planning, taking all aspects of his clients’ financial lives into account. He is also a player, coach, and the treasurer for the Peoria Men’s Rugby Club. In their free time, Jesse and his family enjoy travelling, spending time outdoors, playing or watching sports, and spending time with their family.
Securities Agent: TX, TN, MO, KS, LA, WI, MN, IA, CO, IN, FL, NM, GA, AL, SC, MD, MA, KY, IL, DE, CA, AZ, AK, WA, VA, OR, OK, NY, OH, MI, RI, MS, UT, NJ, CT, AR, PA, DC, SD, NV, NC, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2381045
CA Insurance License #: 4309308
NMLS#: 2381045
CA Insurance License #: 4309308
About Bonnie Brockett
Bonnie has been in the financial services industry since 2017. Prior to joining Morgan Stanley in 2022, she worked in advertising for 23 years. She passed the SIE, Series 7, Series 63 and Series 65 exams. She is currently a Senior Registered Client Service Associate with the firm. In this role, she assists with the development and growth of the business through engaging and utilizing the full capabilities of the firm. She offers an elevated ervice model to her clients and her team of financial advisors that consists of Edward Sutter, Roger Mulhern and Sean Mulhern. She and her husband, Chad, have one daughter, Zoe, who is currently enrolled in a Sonography Program at Illinois Central College. She also adores her two dogs, Ziggy and Ace. Bonnie is a Moose member in Pekin where she likes to volunteer. In her free time, she enjoys reading, bowling and spending time with friends and family
About Ryan Roberts
Ryan is a Client Service Associate for the Grandview Capital Group at Morgan Stanley. Ryan began his career at Morgan Stanley in the fall of 2022 as a Wealth Management intern. He later joined the team in October of 2023. Ryan graduated Cum Laude from Illinois State University in December of 2023 with a Bachelor degree in Finance and a minor in Financial Planning. Ryan is married to his wife, Chloe, who pursues a career at OSF St. Francis Medical Center. Originally from Bloomington, IL, Ryan enjoys golf, outdoor activities and spending time with his friends and family.
About Kalei Haggard
Kalei is a Client Service Associate for the Grandview Capital Group at Morgan Stanley. She first joined the team in May 2023 as a Summer Intern and returned in January 2024, working part-time while completing her studies at the University of Illinois at Urbana-Champaign. After graduating in May 2024 with a Bachelor of Science degree in Agriculture and Consumer Economics concentrating in Financial Planning, Kalei joined the team full-time. Originally from Washington, IL, Kalei enjoys traveling with her friends, exploring local businesses, and spending time with her pets.
Contact Robert D. Manning
Contact Roger F. Mulhern III
Contact Matthew J. Fahel
Contact Edward Sutter
Contact Andrew Chambers
Contact Sean Mulhern
Contact Jesse Hall
Wealth Management
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Grandview Capital 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Investors 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.
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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Products 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.
11Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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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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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Investors 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.
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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Products 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.
11Morgan 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.
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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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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)
