William W. Grooms, CFP®, CIMA®, CRPC®, QPFC
Senior Vice President, Financial Advisor, Corporate Retirement Director
Phone:
(205) 460-4736(205) 460-4736
The Heath Grooms Group at Morgan Stanley
Direct:
(205) 460-4736(205) 460-4736
Our Mission Statement
The Heath Grooms Group uses over 50 years of advisory experience to provide individuals, families, and businesses with assistance in all areas of their financial lives. We focus on three things to provide the client experience you desire – Planning, Solutions and Service. We use thorough conversations and planning to identify and prioritize your goals. We implement intentional, tax-sensitive strategies using the global resources/solutions of Morgan Stanley. And, we provide concierge-like service through regular, proactive communication between you and our team.
We place your objectives, needs, values and priorities at the center of the wealth management process as we work together to design goals-based financial strategies to help you achieve the goals most important to you.
Planning, Solutions, and Service = Premier Client Experience
We place your objectives, needs, values and priorities at the center of the wealth management process as we work together to design goals-based financial strategies to help you achieve the goals most important to you.
Planning, Solutions, and Service = Premier Client Experience
Our Story and Services
The Heath-Grooms group began in 2009 and has 50+ years of combined experience in the Financial Services industry. We seek to provide individuals, families, and businesses with a high level of services while helping them with the advice and guidance necessary to achieve their long-term financial goals. We will always use integrity and hard work to produce positive outcomes. We believe there is no short-term approach to relationship building.
We provide lifetime financial care using a four-step process:
Strategic Wealth Planning - Our strategies are process-oriented and based on your goals, meaning, we will provide strategic advice to fit your situation. We will help manage your income and assets towards your goals—in all phases and areas of your life.
Growth, Protection and Preservation - During our nearly 30 years of experience, our team has worked through many economic and market environments. We provide strategies tailored for various goals and market conditions. These may include defensive strategies for asset protection planning, higher risk portfolios for asset accumulation and dynamic/tactical strategies for market exposure with expected downside protection.
Retirement Income Modeling and Distribution Analysis - Our income planning strategies are designed to help you live comfortably in retirement and pass on a financial legacy. Our goal is to ensure that clients have enough money to last their lives and maintain their desired lifestyle.
Overall Client Experience - We work to cement our relationship with you and your family by providing thorough planning, sound advice and outstanding service. We understand the importance of communication and being available when our clients need us.
We provide lifetime financial care using a four-step process:
Strategic Wealth Planning - Our strategies are process-oriented and based on your goals, meaning, we will provide strategic advice to fit your situation. We will help manage your income and assets towards your goals—in all phases and areas of your life.
Growth, Protection and Preservation - During our nearly 30 years of experience, our team has worked through many economic and market environments. We provide strategies tailored for various goals and market conditions. These may include defensive strategies for asset protection planning, higher risk portfolios for asset accumulation and dynamic/tactical strategies for market exposure with expected downside protection.
Retirement Income Modeling and Distribution Analysis - Our income planning strategies are designed to help you live comfortably in retirement and pass on a financial legacy. Our goal is to ensure that clients have enough money to last their lives and maintain their desired lifestyle.
Overall Client Experience - We work to cement our relationship with you and your family by providing thorough planning, sound advice and outstanding service. We understand the importance of communication and being available when our clients need us.
Services Include
- Retirement PlanningFootnote1
- Trust ServicesFootnote2
- Wealth ManagementFootnote3
- Wealth PlanningFootnote4
- Executive Financial ServicesFootnote5
- Executive Benefit ServicesFootnote6
- Estate Planning StrategiesFootnote7
- Corporate Retirement PlansFootnote8
- Corporate Investment SolutionsFootnote9
- Professional Portfolio ManagementFootnote10
- Cash Management and Lending ProductsFootnote11
- Financial PlanningFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Goals Planning System
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
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Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
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Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
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Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances.
Learn More HereFinancial education leads to better insights into investment strategy and ultimately, better long term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in all market conditions. We have assembled a collection of resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
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GIC Monthly Research Report
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
Read This Month's Publication Here
Retirement Planning
It’s important to determine how much money you may need to save for a comfortable retirement. Here are six simple steps to help you determine whether you are on track to meet your retirement needs.
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Thoughts on The Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
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The Morgan Stanley Minute
A series of one minute investment insights videos featuring our firms leading thinkers. The Morgan Stanley Minute offers an opportunity for investors to discover current investment trends.
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Online Security Center
Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn More HereMorgan Stanley Workplace Solutions
Organizations face unprecedented challenges in today's financial environment - escalating expenses, complex regulations that change frequently and global forces that shape market behavior.
As a Corporate Retirement Director, William can help you gain confidence and efficiency in your plan management with a strong team, comprehensive services, and fiduciary support. Our goal is to design and help you administer a retirement plan that helps reduce costs, provide employees the opportunity to generate income in retirement, and manage your risk as a plan fiduciary.
As a Corporate Retirement Director, William can help you gain confidence and efficiency in your plan management with a strong team, comprehensive services, and fiduciary support. Our goal is to design and help you administer a retirement plan that helps reduce costs, provide employees the opportunity to generate income in retirement, and manage your risk as a plan fiduciary.
Retirement Plan Consulting
We provide innovative and comprehensive retirement plan solutions that are aligned with your organization's strategic goals and helps employees make the most of their retirement.
When you work with us, you have access to the tools, advice and support needed to manage your retirement program from every angle.
We deliver the following core services:
- Investment Management
- Plan Management
- Plan Participation
- Plan Evaluation
When you work with us, you have access to the tools, advice and support needed to manage your retirement program from every angle.
We deliver the following core services:
- Investment Management
- Plan Management
- Plan Participation
- Plan Evaluation
Financial Wellness
Our Financial Wellness program is a customized and comprehensive solution that empowers your employees to take better hold of their financial lives.
in addition to helping employees optimize the company-sponsored benefits you offer, we provide thoughtful insights about your workers, so you can continue to deliver valuable benefits that reduce employees stress and create a more loyal and productive workforce.
in addition to helping employees optimize the company-sponsored benefits you offer, we provide thoughtful insights about your workers, so you can continue to deliver valuable benefits that reduce employees stress and create a more loyal and productive workforce.
Equity Compensation Plans
We provide flexible and scalable equity compensation programs that support every stage of your company's growth. Our modern tools enable your employees to manage their equity transactions with the same ease and intuitiveness of the apps they use in their daily lives.
Also, we deliver specialized advice for executives and company insiders that leverage our deep knowledge to help reduce risk to them and to your company, while ensuring critical compliance requirements are met.
Also, we deliver specialized advice for executives and company insiders that leverage our deep knowledge to help reduce risk to them and to your company, while ensuring critical compliance requirements are met.
Corporate Retirement Director Services
• Improving Participation rates & preparing employees for retirement
• Ongoing support in managing and shifting fiduciary responsibility
• Selecting and ongoing monitoring of plan investments
• Evaluating and choosing a record keeper / provider
• Understanding plan fees and expenses
Analyzing and maximizing plan design
• Ongoing support in managing and shifting fiduciary responsibility
• Selecting and ongoing monitoring of plan investments
• Evaluating and choosing a record keeper / provider
• Understanding plan fees and expenses
Analyzing and maximizing plan design
Location
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35243
US
Direct:
(205) 460-4736(205) 460-4736
Meet The Heath Grooms Group
Paxton E. Heath, CFP®
First Vice President, Wealth Management, Investment Consultant
Phone:
(205) 460-4737(205) 460-4737
Brandi Mandeville
Senior Client Service Associate
Phone:
(205) 460-4738(205) 460-4738
About William W. Grooms
William is a Senior Vice President with The Heath Grooms Group at Morgan Stanley in Birmingham, Alabama. He has helped individuals and businesses develop wealth management and retirement solutions since 1997. As a Certified Financial Planner™ professional, William assists clients in constructing a solid financial foundation so that they can make decisions with confidence. He carefully listens to clients’ desires, needs, and concerns, which allows him to confidently produce effective solutions to help clients improve their retirement and investment outcomes.
William also holds the Certified Investment Management Analyst™ and Chartered Retirement Planning Counselor™ designations. In addition, as a Qualified Plan Financial Consultant™, he brings a high level of experience in retirement plan operations, employee education and 401(k) vendor relations. Morgan Stanley provides significant resources for The Heath Grooms Group to help corporate clients with all aspects of designing, implementing, monitoring, and servicing their retirement/benefit plans.
A lifelong resident of Birmingham, William has a Bachelor of Science in Corporate Finance and a Master of Business Administration from the University of Alabama. William and his wife, Martha, have three children: Wilkes, Julia, and Ward. The family attends Church of the Highlands in Birmingham. Outside of work, he enjoys golf, exercise, traveling and reading.
William also holds the Certified Investment Management Analyst™ and Chartered Retirement Planning Counselor™ designations. In addition, as a Qualified Plan Financial Consultant™, he brings a high level of experience in retirement plan operations, employee education and 401(k) vendor relations. Morgan Stanley provides significant resources for The Heath Grooms Group to help corporate clients with all aspects of designing, implementing, monitoring, and servicing their retirement/benefit plans.
A lifelong resident of Birmingham, William has a Bachelor of Science in Corporate Finance and a Master of Business Administration from the University of Alabama. William and his wife, Martha, have three children: Wilkes, Julia, and Ward. The family attends Church of the Highlands in Birmingham. Outside of work, he enjoys golf, exercise, traveling and reading.
Securities Agent: CO, FL, NJ, IL, CA, VA, LA, AL, TN, AZ, AR, SC, NC, IN, DC, PA, NY, MS, GA, MO, MA, KY, VT, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 509903
CA Insurance License #: 4237396
NMLS#: 509903
CA Insurance License #: 4237396
About Paxton E. Heath
Paxton Heath is a Vice President with The Heath Grooms Group at Morgan Stanley in Birmingham, AL. Paxton has worked as a valued resource for institutions, companies, executives, business owners and families for over 25 years – helping these clients reach their financial goals and achieve their desired lifestyles.
A native of Auburn, AL, Paxton graduated from Auburn University with a bachelor’s degree in Business Administration/Finance. During his time at Auburn University, Paxton completed an internship with Merrill Lynch in Birmingham and began his career as a Financial Advisor at Merrill Lynch immediately upon graduation. During his 25-year career at Merrill Lynch, Paxton continued his education by earning several industry designations, including becoming a CERTIFIED FINANCIAL PLANNER™ professional in 2003 and earning the Retirement Benefits Consultant™ title as part of a select group at Merrill Lynch focused on assisting corporate clients and their employees with retirement planning and Financial Wellness needs.
Today, Paxton continues to focus his efforts on assisting companies, families, and individuals – working with all clients to plan for and achieve their unique financial goals. Morgan Stanley provides significant resources for our team to help corporate clients with all aspects of designing, implementing, monitoring, and servicing their retirement/benefit plans.
When not in the office, Paxton enjoys spending time with his family (wife Courtney and their four children) in the Homewood Community, at Auburn University athletic events, and anything outdoors and traveling. In the Community, Paxton is a Past President of the Alabama Security Dealers Association, a past member of the UAB Professional Advisory Council, a past member of the Trinity UMC Finance Committee and Investment Committee and a past Advisory Board Member of the Greater Birmingham Auburn Club.
A native of Auburn, AL, Paxton graduated from Auburn University with a bachelor’s degree in Business Administration/Finance. During his time at Auburn University, Paxton completed an internship with Merrill Lynch in Birmingham and began his career as a Financial Advisor at Merrill Lynch immediately upon graduation. During his 25-year career at Merrill Lynch, Paxton continued his education by earning several industry designations, including becoming a CERTIFIED FINANCIAL PLANNER™ professional in 2003 and earning the Retirement Benefits Consultant™ title as part of a select group at Merrill Lynch focused on assisting corporate clients and their employees with retirement planning and Financial Wellness needs.
Today, Paxton continues to focus his efforts on assisting companies, families, and individuals – working with all clients to plan for and achieve their unique financial goals. Morgan Stanley provides significant resources for our team to help corporate clients with all aspects of designing, implementing, monitoring, and servicing their retirement/benefit plans.
When not in the office, Paxton enjoys spending time with his family (wife Courtney and their four children) in the Homewood Community, at Auburn University athletic events, and anything outdoors and traveling. In the Community, Paxton is a Past President of the Alabama Security Dealers Association, a past member of the UAB Professional Advisory Council, a past member of the Trinity UMC Finance Committee and Investment Committee and a past Advisory Board Member of the Greater Birmingham Auburn Club.
NMLS#: 710671
About Brandi Mandeville
Brandi is a Senior Client Service Associate with 2 years of tenure at Morgan Stanley. With 24 years of experience in retail private banking and one year in the investment-related field, she excels in working with high net worth clients. Brandi holds a Digital Design Diploma from the Art Institute of Pittsburgh.
Her responsibilities include cultivating and enhancing client relationships, identifying solutions that help meet client needs, onboarding and maintaining client accounts, preparing financial plans and reports, and supporting Financial Advisors. Additionally, prior to joining Morgan Stanley, Brandi has been a successful corporate liaison for Iberia Bank and Glenwood Pecans for Autism for 12 years.
Outside of work, she is a dedicated softball coach, having won the State championship as a volunteer for Odenville Youth Athletic Association for 6 years. Brandi enjoys reading, hiking as many trails as she can, cooking, and giving lessons related to softball whenever possible. Brandi enjoys spending her time with her husband and their two daughters.
Her responsibilities include cultivating and enhancing client relationships, identifying solutions that help meet client needs, onboarding and maintaining client accounts, preparing financial plans and reports, and supporting Financial Advisors. Additionally, prior to joining Morgan Stanley, Brandi has been a successful corporate liaison for Iberia Bank and Glenwood Pecans for Autism for 12 years.
Outside of work, she is a dedicated softball coach, having won the State championship as a volunteer for Odenville Youth Athletic Association for 6 years. Brandi enjoys reading, hiking as many trails as she can, cooking, and giving lessons related to softball whenever possible. Brandi enjoys spending her time with her husband and their two daughters.
Contact William W. Grooms
Contact Paxton E. Heath
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Emily Mason, CFP®, CPWA®
Financial Planning Director, Vice President
About Emily Mason
Emily Mason is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Alabama, Arkansas, and the Florida Panhandle. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Emily began her career in financial services in 2014, and joined Morgan Stanley shortly thereafter, in 2015. Prior to her current role, she held a variety of positions serving teams and clients throughout her complex at Morgan Stanley, in addition to holding a position as an Adjunct Instructor at The University of Alabama where she taught courses within their Financial Planning and Counseling concentration. Emily earned her Masters in Financial Planning and Counseling from The University of Alabama and holds her Certified Financial Planner™ and Certified Private Wealth Advisor® designations. Emily holds an undergraduate degree in Human Development and Psychology which gives her a unique perspective as she works to create comprehensive financial plans centered on both personal and financial goals.
Emily and her husband, John, have been married for 10 years and together they have two kids, ages 6 and 3.
In her free time, she enjoys spending time with her family, exercising, traveling, and participating in her community and church.
Emily began her career in financial services in 2014, and joined Morgan Stanley shortly thereafter, in 2015. Prior to her current role, she held a variety of positions serving teams and clients throughout her complex at Morgan Stanley, in addition to holding a position as an Adjunct Instructor at The University of Alabama where she taught courses within their Financial Planning and Counseling concentration. Emily earned her Masters in Financial Planning and Counseling from The University of Alabama and holds her Certified Financial Planner™ and Certified Private Wealth Advisor® designations. Emily holds an undergraduate degree in Human Development and Psychology which gives her a unique perspective as she works to create comprehensive financial plans centered on both personal and financial goals.
Emily and her husband, John, have been married for 10 years and together they have two kids, ages 6 and 3.
In her free time, she enjoys spending time with her family, exercising, traveling, and participating in her community and church.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Heath Grooms 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
5Morgan 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.
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 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 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.
10Morgan 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.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
12Morgan 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.
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 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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
5Morgan 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.
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 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 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.
10Morgan 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.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
12Morgan 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.
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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), 3582895 (6/2024)
