Garrett T. Hadley, CIMA®, CFP®
Managing Director, Wealth Management, Financial Advisor
Phone:
(302) 573-4013(302) 573-4013
The Hadley/Laskas Group at Morgan Stanley
Direct:
(866) 352-4921(866) 352-4921
Toll-Free:
(866) 352-4921(866) 352-4921
Our Mission Statement
We are committed to helping you build and preserve your wealth seeking to simplify your financial life and strengthen your family's financial security now and for generations to come.
Tailored Strategies Designed To Help Deliver Results
We believe wealth management demands a unique set of skills to tackle today's financial complexities. It requires a team of professionals who has acquired the knowledge, market insights and forward-thinking strategies to not only organize your financial life, but help you build upon your success, identifying thoughtful solutions that seek to help optimize your wealth and preserve your legacy.
At The Hadley/Laskas Group, we are a dedicated team of financial advisors who knows what it takes to help achieve results. We focus on what is most important to you and provide a full spectrum of strategies and services that are customized to help achieve your goals and pursue your passions.
Based in Greenville with a strong national footprint, we have been providing advice to successful individuals, generational families and business leaders for nearly 25 years. We combine the intellectual capital of Morgan Stanley with an intimate relationship. In addition, we work in collaboration with your accountant, estate attorney and various specialists within our firm to help preserve, grow and transfer your wealth.
We are proud of the service we provide each client and welcome the opportunity to deliver this same level of excellence to you and your loved ones.
We look forward to speaking with you soon.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
2024 Forbes Best-In-State Wealth Advisor
Source: Forbes (Awarded Apr 2024) Data compiled by SHOOK Research LLC based for the period 6/30/22 - 6/30/23.
- Garrett Hadley
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Advice Matters
As your life and career evolve, so do your goals. We help you answer critical financial questions and adapt your strategy to meet your evolving needs. Below are some of the questions we help our clients solve every day.
Financial Basics
• How do I reduce my debt?
• How do I teach my children about money?
• I have so many goals and priorities, how can one investment strategy balance them all?
• How do I teach my children about money?
• I have so many goals and priorities, how can one investment strategy balance them all?
Life Events
• What are my options if I’m laid off at work?
• How do I prepare for a more secure future if I get divorced or I lose my spouse?
• What happens if I must care for my parents?
• How do I prepare for a more secure future if I get divorced or I lose my spouse?
• What happens if I must care for my parents?
Retirement
• When can I stop working?
• What do I need to do BEFORE I retire?
• What should I do with my employer retirement plan?
• What do I need to do BEFORE I retire?
• What should I do with my employer retirement plan?
Getting Older
• How do I ensure my parents have the comprehensive care they need and deserve?
• What happens to the management of my assets, should I become incapacitated?
• What happens to the management of my assets, should I become incapacitated?
Managing Risk
• Does my asset allocation make sense given my risk tolerance?
• Will my family be secure if something happens to me?
• How do I help ensure my assets are protected from cyber attacks?
• Will my family be secure if something happens to me?
• How do I help ensure my assets are protected from cyber attacks?
The Hadley/Laskas Method
We enjoy working with individuals, families and business leaders who seek the same type of long-term, fully-engaged relationships we value and who appreciate the following attributes we believe set us apart from other advisory teams.
We Treat You Like Family
We seek to build deep and caring relationships with you and your family. We do this by working with a select group of clients . The bonds we strive to form are fundamental to our mission, and it is our intention that they span generations. Our goal is to be the last financial advisory team you will ever need.
A Strong Moral Compass
Every recommendation we make is focused on doing the right thing for you. We seek to simplify your financial life, offering solutions for your consideration with unbiased, objective advice. Above all, we are fiercely committed to a superior service model that emphasizes responsiveness, transparency and approachability. We are creative problem solvers who put your interests ahead of our own.
A Commitment to Financial Planning
Thorough and thoughtful financial planning – planning that analyzes where you are today and sets a clear path to where you want to go – is one of our fundamental strengths as financial advisors. As CERTIFIED FINANCIAL PLANNERSTM, we have the knowledge and specialized skills to not only define your needs and objectives, but develop a detailed financial plan that addresses your specific goals as they evolve over time.
Investment Excellence
As a Senior Investment Management Consultant at Morgan Stanley, Garrett Hadley has acquired a deep understanding of the financial markets, enabling him to carefully construct an investment recommendation for your specific goals and risk level. Utilizing the firm’s exceptional research capabilities and advanced technologies, we incorporate a sophisticated overlay of tax-aware strategies and risk management techniques to help you preserve your wealth, while seeking optimizing results
Teamwork and Collaboration
We believe you are entitled to the best advice possible. As a result, we work together as a team, often collaborating with colleagues from Morgan Stanley and across the industry. We also work closely with your accountant, attorney and other professionals to build a comprehensive and cohesive plan that encompasses all aspects of your life.
A Total Wealth Management Approach
We believe that your investment portfolio, retirement assets, insurance policies and equity compensation should not be managed as separate entities, but as vital components of your overall financial picture. When you work with us, all of your assets – including the benefits you receive from your employer – will be integrated to help ensure they are working together to meet your overall goals.
Our Process, Your Journey
The hallmark of our wealth management approach is a longstanding commitment to building customized solutions from the ground up, utilizing the global resources of Morgan Stanley. Our process identifies strategies and solutions that reflect your personal values, priorities and goals, while striving to achieve specific financial targets.
Step 1: Get to Know Each Other
• Learn about your personal, professional and financial priorities
• Identify circumstances unique to your life
• Discuss important investment concepts and provide details on our investment philosophy
• Identify circumstances unique to your life
• Discuss important investment concepts and provide details on our investment philosophy
Step 2: Assess Your Finances
• Gather important data, documents and financial statements
• Review the information collected to ensure data is accurate
• Analyze your current investments and cash management strategies
• Review the information collected to ensure data is accurate
• Analyze your current investments and cash management strategies
Step 3: Develop Your Plan
• Develop your customized plan, utilizing financial planning tools and insights from Morgan Stanley
• Present our recommendations along with key action steps
• If desired, coordinate strategies with your CPA and estate attorney
• Present our recommendations along with key action steps
• If desired, coordinate strategies with your CPA and estate attorney
Step 4: Implement
• Prioritize activities and establish timelines
• Prepare and complete necessary paperwork
• Set up tools to provide convenient access to your accounts
• Provide ongoing updates to ensure your plan is implemented as expected
• Prepare and complete necessary paperwork
• Set up tools to provide convenient access to your accounts
• Provide ongoing updates to ensure your plan is implemented as expected
Step 5: Deliver Ongoing Service
• Communicate regularly to discuss progress towards your goals
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
Access to Anything, Coordination of Everything
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience, knowledge and skills to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Executive Financial Services
Companies often reward employees with stock option grants or restricted stock, valuable perks that can go a long way toward increasing your future financial security if your company continues to perform well. We help you understand how each equity award works, so you can make smart decisions that optimize their value over time.
Retirement Planning
One of our key areas of focus is helping you prepare for retirement. From IRAs and RMDs to long-term care and income distribution strategies, we help you transition to the next chapter of your life.
Risk Management
Life’s risk can manifest themselves in many ways – from loss of life to loss of health to loss of wealth – and have the potential to impair the efficiency of a thoughtfully developed plan. We help address these concerns in a number of ways, ranging from insurance reviews to long-term care services to hedging and liquidity strategies.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately with risk management.
For the past four decades, the Portfolio Management Group has addressed the needs of high net worth individuals and institutional clients, creating customized investment strategies, portfolios and solutions. Our portfolio managers represent a select group
of Financial Advisors who are qualified by the firm to manage your assets based on training, experience and commitment to client service. They bring a disciplined approach to managing your portfolio and a focus to investing.
Your portfolio in the Portfolio Management program is designed to help meet your specific financial needs and is managed on a fully discretionary basis by your Portfolio Manager. Leveraging the global resources of Morgan Stanley, your Portfolio Manager monitors the events that affect your financial objectives. He or she also studies trends and developments that shape the investment environment, drive the economy and ultimately impact your portfolio’s performance. You’ll find that your Portfolio Manager’s experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your longterm goals in view.
Your Portfolio Manager works closely with you to understand your needs while maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles. A disciplined four-step investment process underpins the program and helps to develop a long-term perspective about building and managing wealth.
For the past four decades, the Portfolio Management Group has addressed the needs of high net worth individuals and institutional clients, creating customized investment strategies, portfolios and solutions. Our portfolio managers represent a select group
of Financial Advisors who are qualified by the firm to manage your assets based on training, experience and commitment to client service. They bring a disciplined approach to managing your portfolio and a focus to investing.
Your portfolio in the Portfolio Management program is designed to help meet your specific financial needs and is managed on a fully discretionary basis by your Portfolio Manager. Leveraging the global resources of Morgan Stanley, your Portfolio Manager monitors the events that affect your financial objectives. He or she also studies trends and developments that shape the investment environment, drive the economy and ultimately impact your portfolio’s performance. You’ll find that your Portfolio Manager’s experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your longterm goals in view.
Your Portfolio Manager works closely with you to understand your needs while maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles. A disciplined four-step investment process underpins the program and helps to develop a long-term perspective about building and managing wealth.
Location
500 Dupont Field Blvd
Ste 300
Greenville, DE 19807
US
Direct:
(866) 352-4921(866) 352-4921
Toll-Free:
(866) 352-4921(866) 352-4921
Meet The Hadley/Laskas Group
Elise M. Laskas, CFP®
Senior Vice President, Financial Advisor
Phone:
(302) 573-4019(302) 573-4019
Phone:
(302) 573-4025(302) 573-4025
Carole Ricci
Portfolio Associate
Mercy Figueroa
Senior Client Service Associate
About Garrett T. Hadley
Garrett is a Senior Investment Management Consultant, Wealth Advisor and founder of The Hadley/Laskas Group at Morgan Stanley. Since 1997, he has been working with highly successful individuals, corporations and nonprofit organizations, providing customized advice through a disciplined wealth management approach. His extensive experience coupled by his ability to decipher complex financial matters enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their goals.
Growing up in Newark, DE, Garrett learned first-hand the power of investing from his grandmother who had a great relationship with her financial advisor and often included Garrett in discussions about the markets. Upon graduating from the University of Delaware, he joined the Principal Financial Group, providing guidance to 401(k) participants. Two years later, Garrett joined Morgan Stanley.
Garrett enjoys working with like-minded clients who value the level of skill and service he and his colleagues deliver. His goals-based process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan that reflects each client’s goals for the future. Garrett receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives.
Throughout his career, Garrett has remained committed to professional development, earning valuable industry designations, including Certified Financial PlannerTM (CFP®) and Certified Investment Management Analyst (CIMA®). He has also earned important certifications at Morgan Stanley, such as Senior Investment Management Consultant and Wealth Advisor. These credentials provide Garrett with special knowledge and skills in the areas of investment management, retirement planning and retirement plans and demonstrate his commitment to providing a world-class client experience.
Garrett is regularly recognized as one of the top financial advisors in the country. He has been recognized as a Five Star Wealth Manager by Philadelphia Magazine since 2015 (2015-2023). In 2020, he was named a “Best-in-State” Wealth Advisor by Forbes.
A strong believer in paying it forward, Garrett is very involved in giving back to his community. He served as the YMCA Board Chair from 2010 to 2019 and was instrumental in securing the Brandywine “Y” into the local community. He has been a member of the Finance committee for the YMCA Association of Delaware since 2012 and over the years has also held many leadership roles for the Brandywine Naaman’s Rotary Club and Naaman’s Little League Board.
Garrett believes balance is vital to a happy life. A sports enthusiast, he enjoys coaching softball, baseball and basketball. He also loves all types of music, especially live concerts. Garrett’s life centers on a love for his family. He and his wife, Liz, live in Wilmington with their two children, Ella and Colton. As a family, they enjoy all sorts of outdoor activities, including hiking, biking and boating at their summer home in Avalon, NJ.
2015-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award: 03/5/2015 - 09/9/2015
2016 Award: 03/5/2016 - 10/7/2016
2017 Award: 01/20/2017 - 09/8/2017
2018 Award: 02/20/2018 - 09/19/2018
2019 Award: 02/11/2019 - 09/20/2019
2020 Award: 02/10/2020 - 09/11/2020
2021 Award: 04/27/2020 - 10/30/2020
2022 Award: 05/10/2021 - 11/12/2021
2023 Award: 04/18/2022 - 10/21/2022
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Growing up in Newark, DE, Garrett learned first-hand the power of investing from his grandmother who had a great relationship with her financial advisor and often included Garrett in discussions about the markets. Upon graduating from the University of Delaware, he joined the Principal Financial Group, providing guidance to 401(k) participants. Two years later, Garrett joined Morgan Stanley.
Garrett enjoys working with like-minded clients who value the level of skill and service he and his colleagues deliver. His goals-based process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan that reflects each client’s goals for the future. Garrett receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives.
Throughout his career, Garrett has remained committed to professional development, earning valuable industry designations, including Certified Financial PlannerTM (CFP®) and Certified Investment Management Analyst (CIMA®). He has also earned important certifications at Morgan Stanley, such as Senior Investment Management Consultant and Wealth Advisor. These credentials provide Garrett with special knowledge and skills in the areas of investment management, retirement planning and retirement plans and demonstrate his commitment to providing a world-class client experience.
Garrett is regularly recognized as one of the top financial advisors in the country. He has been recognized as a Five Star Wealth Manager by Philadelphia Magazine since 2015 (2015-2023). In 2020, he was named a “Best-in-State” Wealth Advisor by Forbes.
A strong believer in paying it forward, Garrett is very involved in giving back to his community. He served as the YMCA Board Chair from 2010 to 2019 and was instrumental in securing the Brandywine “Y” into the local community. He has been a member of the Finance committee for the YMCA Association of Delaware since 2012 and over the years has also held many leadership roles for the Brandywine Naaman’s Rotary Club and Naaman’s Little League Board.
Garrett believes balance is vital to a happy life. A sports enthusiast, he enjoys coaching softball, baseball and basketball. He also loves all types of music, especially live concerts. Garrett’s life centers on a love for his family. He and his wife, Liz, live in Wilmington with their two children, Ella and Colton. As a family, they enjoy all sorts of outdoor activities, including hiking, biking and boating at their summer home in Avalon, NJ.
2015-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award: 03/5/2015 - 09/9/2015
2016 Award: 03/5/2016 - 10/7/2016
2017 Award: 01/20/2017 - 09/8/2017
2018 Award: 02/20/2018 - 09/19/2018
2019 Award: 02/11/2019 - 09/20/2019
2020 Award: 02/10/2020 - 09/11/2020
2021 Award: 04/27/2020 - 10/30/2020
2022 Award: 05/10/2021 - 11/12/2021
2023 Award: 04/18/2022 - 10/21/2022
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Securities Agent: PA, OH, LA, IA, FL, DE, OR, NH, MN, KY, DC, NV, NC, MD, IN, ID, CA, AR, WV, ND, MI, UT, MO, WA, MA, IL, GA, VT, NY, ME, HI, WI, NJ, CT, AZ, VA, TX, SC, CO, MT, TN, RI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1351260
NMLS#: 1351260
About Elise M. Laskas
Elise is an experienced Financial Advisor and co-founder of The Hadley/Laskas Group at Morgan Stanley, a highly skilled wealth advisory team located in Greenville, Delaware. With an energetic and positive attitude, Elise empowers clients to achieve new levels of success through a results-driven financial planning process and commitment to outstanding service. She enjoys educating clients on how to create and execute an effective plan, generate guaranteed retirement income, leave a lasting legacy and make more confident decisions about their wealth. For Elise, professional success is measured in terms of client well-being and goal achievement.
Elise grew up in a household dedicated to helping high net worth families achieve their financial goals. Her father, a successful advisor at Morgan Stanley for over 35 years, introduced Elise to the world of finance at an early age and instilled in her the importance of saving and investing to help ensure financial stability and peace of mind. After graduating from Rosemont College, she began her career at ING Annuities. Four years later, her father asked her to join his team. She jumped at the opportunity to work side-by-side with him and Garrett Hadley, his father’s long-time associate. Upon the passing of her father in 2012, she and Garrett continued as partners, continuing to grow and expand the practice to what it is today.
Elise’s goals-based process focuses on building personal relationships with her clients to understand the specific goals they’ve set from themselves and their families to help create a financial plan. Her approachable style seeks to help clients make well-informed decisions, while maintaining the discipline necessary to navigate today’s challenging markets. Elise’s focus and dedication to excellence has earned her industry recognition throughout her career.
A strong believer in paying it forward, Elise is very involved in giving back to her community. She has been an active member of YWCA Delaware since 2014, previously serving on the finance committee. She is also a former Board member and Treasurer for the organization. Prior to her volunteer activities with the YWCA, Elise was on the local Board for the American Diabetes Association and participated in their annual fundraiser, Step Out: Walk to Stop Diabetes.
Outside of the office, family comes first. Elise and her husband, Tom, met in high school at Archmere Academy and were married in 2007. They love taking their boys, Jake and Ethan, on family adventures that often include snow skiing in Vermont and surf fishing at Bethany Beach. Elise also enjoys gardening and volunteering at Jake’s school. In the summer, she and her family love to cheer on Jake and his buddies at his Naamans Little League games.
Elise grew up in a household dedicated to helping high net worth families achieve their financial goals. Her father, a successful advisor at Morgan Stanley for over 35 years, introduced Elise to the world of finance at an early age and instilled in her the importance of saving and investing to help ensure financial stability and peace of mind. After graduating from Rosemont College, she began her career at ING Annuities. Four years later, her father asked her to join his team. She jumped at the opportunity to work side-by-side with him and Garrett Hadley, his father’s long-time associate. Upon the passing of her father in 2012, she and Garrett continued as partners, continuing to grow and expand the practice to what it is today.
Elise’s goals-based process focuses on building personal relationships with her clients to understand the specific goals they’ve set from themselves and their families to help create a financial plan. Her approachable style seeks to help clients make well-informed decisions, while maintaining the discipline necessary to navigate today’s challenging markets. Elise’s focus and dedication to excellence has earned her industry recognition throughout her career.
A strong believer in paying it forward, Elise is very involved in giving back to her community. She has been an active member of YWCA Delaware since 2014, previously serving on the finance committee. She is also a former Board member and Treasurer for the organization. Prior to her volunteer activities with the YWCA, Elise was on the local Board for the American Diabetes Association and participated in their annual fundraiser, Step Out: Walk to Stop Diabetes.
Outside of the office, family comes first. Elise and her husband, Tom, met in high school at Archmere Academy and were married in 2007. They love taking their boys, Jake and Ethan, on family adventures that often include snow skiing in Vermont and surf fishing at Bethany Beach. Elise also enjoys gardening and volunteering at Jake’s school. In the summer, she and her family love to cheer on Jake and his buddies at his Naamans Little League games.
Securities Agent: WI, NY, ND, MO, GA, RI, MN, DC, MI, ID, FL, OR, OH, NV, ME, AR, SC, NC, IN, CT, UT, MT, WA, TX, LA, DE, AZ, VA, IA, TN, PA, NJ, MD, MA, CO, VT, NH, KY, IL, HI, CA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1646389
NMLS#: 1646389
About Nate Moyer
Nate is a Financial Advisor for the Hadley/Laskas Group for Morgan Stanley in Greenville, Delaware. Nate grew up in Wilmington, Delaware and attended St. Elizabeth’s High School. He then went on to graduate from the University of Delaware with a degree in Financial Planning and Wealth Management. He was raised by two hardworking parents who instilled in him the importance and value of money. He has a strong, caring work ethic and is deeply devoted to making a difference in the financial lives of others, or as he says, giving clients “financial confidence.” When outside of the office, Nate enjoys playing golf with friends and family and cheering on the Phillies, Flyers, Eagles and Sixers.
Securities Agent: RI, LA, IN, ND, IA, AZ, WA, TN, NH, MN, HI, GA, CT, TX, SC, PA, MA, NY, NV, NJ, CO, CA, VT, OR, MO, FL, DE, VA, MD, ID, WV, KY, WI, ME, IL, DC, AR, UT, MI, NC, MT, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 2423129
NMLS#: 2423129
About Carole Ricci
carole.ricci@morganstanley.com
About Mercy Figueroa
mercy.figueroa@morganstanley.com
Contact Garrett T. Hadley
Contact Elise M. Laskas
Contact Nate Moyer
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Hadley/Laskas 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.
1Investors 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.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7When 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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.
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1Investors 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.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7When 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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)
