John Hineman, CIMA®
Senior Vice President, Financial Advisor
Phone:
(661) 290-2017(661) 290-2017
The Hineman Fullarton Group at Morgan Stanley
Direct:
(661) 290-2010(661) 290-2010
Toll-Free:
(800) 669-2455(800) 669-2455
Our Mission Statement
Empowering families to navigate life with financial confidence and a plan they can trust.
Advice beyond your investment portfolio
At the Hineman Fullarton Group, our purpose is simple: helping people. We believe that a plan you can trust is the foundation of financial confidence, which is why we’ve dedicated over three decades to empowering families throughout the Santa Clarita Valley.
By combining the specialized retirement planning you need with the vast resources of Morgan Stanley, we deliver a sophisticated experience rooted in mutual respect. To us, wealth management is deeply personal. We find our greatest satisfaction in the long-term relationships we build and the community we serve, ensuring your family can navigate every stage of life with certainty.
By combining the specialized retirement planning you need with the vast resources of Morgan Stanley, we deliver a sophisticated experience rooted in mutual respect. To us, wealth management is deeply personal. We find our greatest satisfaction in the long-term relationships we build and the community we serve, ensuring your family can navigate every stage of life with certainty.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Professional Portfolio ManagementFootnote2
- Planning for Education FundingFootnote3
- Cash Management and Lending ProductsFootnote4
- Fixed IncomeFootnote5
- Financial PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Business Succession PlanningFootnote8
- Wealth ManagementFootnote9
- Corporate Investment SolutionsFootnote10
- Philanthropic ManagementFootnote11
- Trust ServicesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Whether you're a few years away from hanging up the hat or already enjoying your hard-earned freedom, navigating the complexities of retirement requires a specialized approach. Our practice focuses on bridging the gap between your working years and a sustainable, fulfilling retirement. We specialize in transforming diverse asset portfolios into reliable lifetime income streams, optimizing Social Security timing, and implementing tax-efficient withdrawal strategies designed to protect your wealth against market volatility and inflation. Together, we'll build a dynamic roadmap that prioritizes capital preservation and long-term security, giving you the confidence to focus on what truly matters—enjoying your next chapter.
Our investment philosophy is built on the belief that your wealth deserves both professional precision and objective oversight. We utilize a discretionary investment management approach, which allows us to act decisively on your behalf to position your portfolio for opportunities and manage risk in real-time. Rather than relying on a single "in-house" view, we curate a diverse ecosystem of specialized third-party managers. By hand-selecting experts in specific asset classes and investment categories, we aim to have every portion of your portfolio managed by a specialist with a strong track record. This rigorous, institutional-style framework is designed to remove emotional bias, look to enhance diversification, and focus squarely on your long-term financial objectives.
To confirm that our discretionary approach remains both effective and aligned with your goals, we employ a rigorous "trust but verify" due diligence framework. This process begins with an in-depth vetting of every third-party manager, where we scrutinize their investment methodology, historical performance, and operational stability.
Once a manager is selected, our work shifts to continuous monitoring. We don't just "set and forget"—we regularly re-evaluate each specialist against their designated benchmarks and peer groups to ensure they are still earning their place in your portfolio. This ongoing oversight allows us to quickly identify any style drift, personnel changes, or performance lags, giving us the agility to make adjustments as needed to help protect and grow your wealth.
To confirm that our discretionary approach remains both effective and aligned with your goals, we employ a rigorous "trust but verify" due diligence framework. This process begins with an in-depth vetting of every third-party manager, where we scrutinize their investment methodology, historical performance, and operational stability.
Once a manager is selected, our work shifts to continuous monitoring. We don't just "set and forget"—we regularly re-evaluate each specialist against their designated benchmarks and peer groups to ensure they are still earning their place in your portfolio. This ongoing oversight allows us to quickly identify any style drift, personnel changes, or performance lags, giving us the agility to make adjustments as needed to help protect and grow your wealth.
Our disciplined approach begins with developing a comprehensive understanding of who you are, what you value and what you truly want your wealth to accomplish. Specifically, you can count on The Hineman Fullarton Group to work closely with you in the following manner:
Discovery
Before we make specific recommendations, we take the time to understand who you are as a person, as well as an investor, and what you really hope to achieve for yourself and your family. That means an in-depth discussion of your current finances, future objectives, attitude toward risk and other circumstances that will assist us in developing a customized plan.
Formulation
We analyze your input and seek to develop a wealth management plan that contains specific recommendations designed to meet the objectives you established. Recommendations may encompass such varied strategies as retirement planning, executive compensation issues, tax minimization, wealth transfer, and access to our banking and lending Services. Importantly, your plan contains a customized asset allocation based on your total finances, including accounts held at other firms.
Implementation
After formulating your plan, we continue to work closely with you to bring it to life. That may entail additional consultation with Morgan Stanley professionals who specialize in estate planning, lending strategies and other disciplines relevant to your situation. And it will also involve the development of an investment strategy to meet the criteria established in the discovery phase of our process.
Evaluation
As you would expect, we believe that ongoing communication is a vital component of our business. We strive to keep abreast of your changing financial needs and aim to provide viable solutions to help meet them. This means constant monitoring of your plan and portfolio to make certain your assets are positioned to meet your changing circumstances, as well as fluctuating market conditions.
Location
24300 Town Center Dr
Ste 200
Valencia, CA 91355
US
Direct:
(661) 290-2010(661) 290-2010
Toll-Free:
(800) 669-2455(800) 669-2455
Meet The Hineman Fullarton Group
Ryan Fullarton, CFP®
Financial Advisor, Senior Vice President
Phone:
(661) 290-2010(661) 290-2010
Mark Hineman, CFP®
Senior Vice President, Financial Advisor
Phone:
(661) 290-2016(661) 290-2016
Lisa DiMaggio
Senior Client Service Associate
Phone:
(661) 290-2021(661) 290-2021
About John Hineman
I am a Senior Vice President and Financial Advisor at Morgan Stanley on Town Center Drive in the heart of Valencia. Alongside my brother and Ryan, I have formed the Hineman Fullarton Group to provide financial advisory services to individuals and institutions.
In my three decades of practice I’ve experienced so much both professionally and personally. I’ve been married for over 30 years with two adult children and lots of gray hair. No matter what stage in life you are at I can help you achieve your financial goals.
I earned my bachelor’s degree from St. Edward's University in Austin Texas. At 24 I moved from Texas to sunny California and began my career at Shearson Lehman Brothers in 1987. After working in finance for a number of years I became a Certified Investment Management Analyst (CIMA) in 2000.
I am very active in my community through business, civic and church involvement. I was previously president of the Glendale Rotary Club and I am currently active in several non-profit organizations in the Santa Clarita Valley. I am a sports fanatic and when not in the office you can find me playing a game of basketball or enjoying a round of golf. I’ve also coached various youth sports for over a decade in SCV. I get the pleasure of walking my dog Mollie everyday.
My wife Elaine and I have two adult children, Hunter and Haley.
In my three decades of practice I’ve experienced so much both professionally and personally. I’ve been married for over 30 years with two adult children and lots of gray hair. No matter what stage in life you are at I can help you achieve your financial goals.
I earned my bachelor’s degree from St. Edward's University in Austin Texas. At 24 I moved from Texas to sunny California and began my career at Shearson Lehman Brothers in 1987. After working in finance for a number of years I became a Certified Investment Management Analyst (CIMA) in 2000.
I am very active in my community through business, civic and church involvement. I was previously president of the Glendale Rotary Club and I am currently active in several non-profit organizations in the Santa Clarita Valley. I am a sports fanatic and when not in the office you can find me playing a game of basketball or enjoying a round of golf. I’ve also coached various youth sports for over a decade in SCV. I get the pleasure of walking my dog Mollie everyday.
My wife Elaine and I have two adult children, Hunter and Haley.
Securities Agent: AR, WI, ID, RI, NE, IN, VA, OH, NY, IL, OR, NM, NC, MT, ME, KY, FL, AL, AK, SC, NJ, IA, AZ, WA, UT, TX, NV, LA, GA, MN, MI, TN, PA, CO, CA, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1273112
NMLS#: 1273112
About Ryan Fullarton
I graduated with honors from the University of Southern California, majoring in Business Administration with a focus in Finance. After graduating, I immediately started working for Morgan Stanley as a Wealth Advisor Associate, working exclusively on building comprehensive financial plans. I later moved to my current position as a Financial Advisor. I am a CERTIFIED FINANCIAL PLANNER™ professional and received my designation in 2023.
In 2020, 2024, and 2025, I was named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
In 2026. I was promoted to Senior Vice President.
Outside the office, I enjoy golfing, cooking, and spending time with my growing family. I actively serve at my church and on the Crossroads Golf Classic Planning Committee. My wife Allie and I live in Santa Clarita with our two children, Bentley and Hannah.
In 2020, 2024, and 2025, I was named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
In 2026. I was promoted to Senior Vice President.
Outside the office, I enjoy golfing, cooking, and spending time with my growing family. I actively serve at my church and on the Crossroads Golf Classic Planning Committee. My wife Allie and I live in Santa Clarita with our two children, Bentley and Hannah.
Securities Agent: FL, AL, WA, MN, UT, TN, NE, NC, MT, ID, VA, OR, NY, IL, LA, KY, WI, SC, RI, PA, NM, IN, AZ, OH, NJ, CO, CA, AK, TX, NV, MI, ME, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1796897
CA Insurance License #: 0L59599
NMLS#: 1796897
CA Insurance License #: 0L59599
About Mark Hineman
I am a Senior Vice President and Financial Advisor at Morgan Stanley on Town Center Drive in the heart of Valencia. Together with my brother and Ryan we have formed the Hineman Fullarton Group to provide financial advisory services to individuals and institutions. In my three decades of experience I have crafted numerous custom portfolios that withstand the test of time.
It takes great discipline to accumulate enough savings to be able to retire comfortably. I love to help retirees as they turn their lifelong savings into their primary income source. To deliver my best, I achieved my Certified Financial Planner (CFP) designation in 2005.
I previously served as the board president of the VNA Care Hospice in the Home for 10 years. When I am not in the office you can find me playing around of golf or grilling on a sunny day.
I have been married to my wife Lisa for over 25 years. We are the proud parents of Derrick, Lindsey, and Spencer.
It takes great discipline to accumulate enough savings to be able to retire comfortably. I love to help retirees as they turn their lifelong savings into their primary income source. To deliver my best, I achieved my Certified Financial Planner (CFP) designation in 2005.
I previously served as the board president of the VNA Care Hospice in the Home for 10 years. When I am not in the office you can find me playing around of golf or grilling on a sunny day.
I have been married to my wife Lisa for over 25 years. We are the proud parents of Derrick, Lindsey, and Spencer.
Securities Agent: KY, NC, NJ, IA, WI, NY, MN, GA, CO, AL, MI, IL, AR, AK, WA, PA, NM, MT, FL, VA, OK, AZ, UT, SC, RI, NE, ME, LA, IN, ID, CA, TX, OH, TN, OR, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1301130
NMLS#: 1301130
About Lisa DiMaggio
I am a Client Service Associate for The Hineman Fullarton Group at Morgan Stanley on Town Center Drive in the heart of Valencia. Customer service is my priority. I am here to assist with any client questions or concerns. My aim is to ensure client peace of mind in knowing that we are doing our best to help them.
I have over 30 years of experience. I started working for Scutter Trust Company in Boston in 1994 providing 5500 tax preparation and nondiscrimination testing for clients. I moved back to California in 1999 and started working for Morgan Stanley in Operations as a cashier and new accounts clerk. Later I became a sales assistant helping several financial advisors. Shortly after, I became a branch manager assistant while continuing to support financial advisors. I moved to the Valencia branch in 2008 and am currently working with The Hineman Fullarton Group.
When not in the office, I enjoy trying out new recipes in the kitchen. I especially love spending time with my wonderful family: my husband Rick, my eldest daughter Nicole and her husband Mike, their daughter Parker, and my youngest daughter Samantha.
I have over 30 years of experience. I started working for Scutter Trust Company in Boston in 1994 providing 5500 tax preparation and nondiscrimination testing for clients. I moved back to California in 1999 and started working for Morgan Stanley in Operations as a cashier and new accounts clerk. Later I became a sales assistant helping several financial advisors. Shortly after, I became a branch manager assistant while continuing to support financial advisors. I moved to the Valencia branch in 2008 and am currently working with The Hineman Fullarton Group.
When not in the office, I enjoy trying out new recipes in the kitchen. I especially love spending time with my wonderful family: my husband Rick, my eldest daughter Nicole and her husband Mike, their daughter Parker, and my youngest daughter Samantha.
Contact John Hineman
Contact Ryan Fullarton
Contact Mark Hineman
Wealth Management
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Hineman Fullarton Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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’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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan 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
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
10Morgan 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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’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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan 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
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
10Morgan 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
