Tim Q Hurst
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(630) 245-6010(630) 245-6010
The Hurst Jennings Group at Morgan Stanley
Direct:
(630) 245-6010(630) 245-6010
Toll-Free:
(800) 755-3230(800) 755-3230
Our Mission Statement
We acknowledge and understand the cyclical nature of the markets and life. Our holistic approach helps us ask the right questions and allows us to be the best stewards of your wealth.
The Client Experience
As your Family CFO, we want to cover all areas of your financial health. Our discovery process and structure can require multiple, deep conversations depending on the level of involvement you would like us to have. The objective and subjective understanding we develop from our communications will then be summarized in your Financial Plan. That Financial Plan will be our working document and will serve as the foundation for our Investment Plan. The portfolio we build for you will be customized to meet your needs and objectives, so identifying those objectives is our primary goal. We feel our holistic approach enables us to ask the right questions, construct the most appropriately risk-adjusted portfolios, and allows us to be the best stewards of your wealth.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- 401(k) Rollovers
- Retirement PlanningFootnote4
- Planning for Education FundingFootnote5
- Estate Planning StrategiesFootnote6
- Trust AccountsFootnote7
- Life InsuranceFootnote8
- AnnuitiesFootnote9
- Long Term Care InsuranceFootnote10
- UGMA/UTMAFootnote11
- 529 PlansFootnote12
- Cash Management and Lending ProductsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We focus on our clients’ personal goals through an extensive financial planning process. Our structure helps our clients define and prioritize their goals, determine their risk profile, and implement various strategies to best meet those objectives. We consistently monitor the Financial and Investment Plans and do regular check-ups to make sure we are making progress toward those individual goals. We will also use our discovery process to identify potential cost savings and efficiencies not yet realized. Ultimately, our goal is to make your life convenient, simple and efficient.
What Makes Us Different
We work to become your family CFO. We want to be your go to team whenever there is a dollar sign and a question mark in the same thought or sentence. To that end, what we offer is time and attention to detail. We realize that our clients have complicated financial lives, so we developed a robust process and set of check-lists to capture the information necessary to make good decisions. We are not about selling product; we are about providing smart solutions and contributing towards your increased comfort.
Working With You
Exploring, analyzing and refining new investment tools The Hurst Jennings Group brings vetted financial solutions to the table. If you are funding college education, 30+ years of retirement income, or preparing for estate transfers, we are here to work with you on your journey. To help you get there, The Hurst Jennings Group will provide:
Evaluation of your unique financial and circumstantial risks
Multi-generational Advisory Experience
Preparation for Social Security and Medicare
Capital Preservation and Growth Portfolio Management
Utilization of reliable income-producing strategies
One Place to View All Your Financial Assets and Liabilities
Regularly Scheduled Calls and Face-to-Face Meetings
Continual Plan Monitoring
Evaluation of your unique financial and circumstantial risks
Multi-generational Advisory Experience
Preparation for Social Security and Medicare
Capital Preservation and Growth Portfolio Management
Utilization of reliable income-producing strategies
One Place to View All Your Financial Assets and Liabilities
Regularly Scheduled Calls and Face-to-Face Meetings
Continual Plan Monitoring
Women & Wealth
Women’s investment needs and concerns can be very different than men’s.
We recognize those differences and address them with compassionate listening, empathetic understanding, world-class financial knowledge and credentialed experience.
Our goal is to ensure that you are comfortable with your decisions around finances and investments, no matter the situation. We’re beside you through every situation, and especially during those times when you need us the most, such as…
• Changing jobs or starting a new career
• Navigating retirement
• Entering a relationship or getting married
• Preparing to be a family
• Going through a divorce
• Becoming the primary breadwinner
• Dealing with elderly parents
• Coping with illness
• Becoming an empty nester
• Becoming widowed
• Choosing to remain single
• Re-entering the workforce
We recognize those differences and address them with compassionate listening, empathetic understanding, world-class financial knowledge and credentialed experience.
Our goal is to ensure that you are comfortable with your decisions around finances and investments, no matter the situation. We’re beside you through every situation, and especially during those times when you need us the most, such as…
• Changing jobs or starting a new career
• Navigating retirement
• Entering a relationship or getting married
• Preparing to be a family
• Going through a divorce
• Becoming the primary breadwinner
• Dealing with elderly parents
• Coping with illness
• Becoming an empty nester
• Becoming widowed
• Choosing to remain single
• Re-entering the workforce
Digital Tools To Compliment And Protect Your Financial Future
We offer a wide variety of digital tools to our clients to ensure transparency and compliment different areas of their financial life. Our tools allow clients to see their customized investment strategy and tailored financial plan in real time. Each tool streamlines our communication with each other, keeping us always on the same page.
Morgan Stanley Online
A live view of your investments and other financial features are at the tip of your fingertips with Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
View all your finances in one place with Total Wealth View. This allows you to link all assets and liabilities to your financial plan and updates daily. This is for viewing purposes only; Morgan Stanley does not have access to these accounts.
Learn More About TWV
Cybersecurity
Your investments and personal information are at the forefront of our concerns, and we are protecting them with our exceptional resources. See below to find out what Morgan Stanley does to keep your information safe.
Learn More About Our Cybersecurity
eDelivery
EDelivery gives you the option to view statements and other Morgan Stanley documents electronically. This is in effort to save paper and aid in our fight to save the environment. It also allows is a safer method of corresponding information with one another. Clients who have an online login may sign up for eDelivery.
Enroll Here
Digital Vault
Digital Vault keeps important documents in an easy to access, protected space. Digital Vault makes it easy to share vital and timely information to both your family and advisors.
Learn More About Digital Vault
Spending and Budgeting
You can break down purchases into different categories and monitor how much you spend in these categories. There is an option to link this budget to your Goals and Planning System Financial Plan.
Click Here to Learn MoreCommunity Involvement
The Hurst Jennings Group does more than just work for you, they give back.
Tim was a lacrosse coach of unequaled caliber. He coached youth through college-aged teams each of which regularly contended for national honors. Helping build and develop the next generations by molding them through athletic pursuit and teamwork is a craft in short supply. With national recognition and state titles at various levels, his capabilities as a lacrosse coach are only outdone by his work at Morgan Stanley. Tim has been able to transfer his discipline, attention to detail, and desire to educate into the financial services industry to help clients plan for their financial futures. His mission is to utilize decades of experience and a rigorous planning process to help clients achieve what is most important to them and their families.
Michelle has focused many of her philanthropic efforts on Women's Initiatives, Children's Programs, Human Rights, the LGBTQ+ Community, and the Arts. She uses her passion for advocating for the underrepresented by helping educate, raise funds, and volunteer for various charities. She is also an active member of her Morgan Stanley complex's Diversity & Inclusion Council where she helps run various donation drives & volunteer activities to help support the local community.
Location
4225 Naperville Rd
Ste 255
Lisle, IL 60532
US
Direct:
(630) 245-6010(630) 245-6010
Toll-Free:
(800) 755-3230(800) 755-3230
Meet The Hurst Jennings Group
Michelle Jennings
Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(630) 245-6037(630) 245-6037
Judy M. Schlosser
Senior Registered Client Service Associate
Phone:
(630) 245-6056(630) 245-6056
About Tim Q Hurst
• Penn State University, B.S. Finance
• DePaul University, M.S. Accounting
• Passed Certified Public Accounting Exam in 1995, now non-practicing
• Coaching men’s lacrosse since 1990 in recreational, high school, collegiate and private club
• 1990-97: Bank Examiner with Philadelphia and Chicago Federal Reserve Banks
• 1997: Vice President of Lakeside Bank
• Joined Merrill Lynch in 2000 as a Financial Advisor
• Joined Morgan Stanley in 2008 as a Financial Advisor
• 2016: earned Portfolio Manager designation
• 2018: earned Vice President designation
• 2020: earned Senior Portfolio Manager designation
• 2021: earned Portfolio Management Director designation
• 2021: earned Senior Vice President designation
• 2025: earned Senior Portfolio Management Director designation
Tim was raised near Valley Forge, PA and attended Penn State University where he earned his BS in Finance with a minor in Economics. Upon graduation he started work with the Federal Reserve System: first in Philadelphia in the Research Division, then in Chicago as a Bank Examiner. Tim earned his M.S. in Accounting from DePaul in 1995 along with passing the Certified Public Accountant Exam. After three years with a Chicago-based bank and running his own consulting firm, Tim joined Merrill Lynch in 2000. In 2008, he moved his practice to Morgan Stanley. Tim is married and has five children.
Within The Hurst Jennings Group Tim is focused on portfolio construction, analysis, and management.
• DePaul University, M.S. Accounting
• Passed Certified Public Accounting Exam in 1995, now non-practicing
• Coaching men’s lacrosse since 1990 in recreational, high school, collegiate and private club
• 1990-97: Bank Examiner with Philadelphia and Chicago Federal Reserve Banks
• 1997: Vice President of Lakeside Bank
• Joined Merrill Lynch in 2000 as a Financial Advisor
• Joined Morgan Stanley in 2008 as a Financial Advisor
• 2016: earned Portfolio Manager designation
• 2018: earned Vice President designation
• 2020: earned Senior Portfolio Manager designation
• 2021: earned Portfolio Management Director designation
• 2021: earned Senior Vice President designation
• 2025: earned Senior Portfolio Management Director designation
Tim was raised near Valley Forge, PA and attended Penn State University where he earned his BS in Finance with a minor in Economics. Upon graduation he started work with the Federal Reserve System: first in Philadelphia in the Research Division, then in Chicago as a Bank Examiner. Tim earned his M.S. in Accounting from DePaul in 1995 along with passing the Certified Public Accountant Exam. After three years with a Chicago-based bank and running his own consulting firm, Tim joined Merrill Lynch in 2000. In 2008, he moved his practice to Morgan Stanley. Tim is married and has five children.
Within The Hurst Jennings Group Tim is focused on portfolio construction, analysis, and management.
Securities Agent: GA, AZ, CA, NY, SD, MT, IN, TX, MI, FL, NJ, AL, WI, VA, TN, NM, NE, MD, IL, SC, OH, MA, CO, RI, NC, MN, OR, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2051494
NMLS#: 2051494
About Michelle Jennings
• Purdue University, B.S. Business Management and B.A. Theatre Acting.
• Joined family financial services practice at Wells Fargo in 2007.
• Joined Wells Fargo as Financial Advisor in 2012.
• Joined Morgan Stanley as a Financial Advisor in 2016.
• 2018 Earned the Financial Planning Specialist Designation.
• 2018 Earned the Pacesetter's Club Award.
• 2019 Earned the Portfolio Manager Designation.
• 2021 Earned the Pacesetter's Club Award.
• 2025 Earned the Senior Portfolio Manager Designation.
Michelle joined Morgan Stanley in 2016. She began her career in the financial industry in 2007 under the mentorship of her father. She became a financial advisor in 2012 and joined her father in the business. She worked alongside him until he passed in late 2017. She is a graduate of Purdue University with a Bachelor of Science degree in Business Management and a Bachelor of Arts degree in Theatre Acting.
Michelle lives in Elmhurst with her husband, daughter, and son. She enjoys gardening, beaded needlework, and traveling.
Within The Hurst Jennings Group Michelle focuses her efforts on financial planning, multi-generational needs, estate planning strategies and investment analysis.
• Joined family financial services practice at Wells Fargo in 2007.
• Joined Wells Fargo as Financial Advisor in 2012.
• Joined Morgan Stanley as a Financial Advisor in 2016.
• 2018 Earned the Financial Planning Specialist Designation.
• 2018 Earned the Pacesetter's Club Award.
• 2019 Earned the Portfolio Manager Designation.
• 2021 Earned the Pacesetter's Club Award.
• 2025 Earned the Senior Portfolio Manager Designation.
Michelle joined Morgan Stanley in 2016. She began her career in the financial industry in 2007 under the mentorship of her father. She became a financial advisor in 2012 and joined her father in the business. She worked alongside him until he passed in late 2017. She is a graduate of Purdue University with a Bachelor of Science degree in Business Management and a Bachelor of Arts degree in Theatre Acting.
Michelle lives in Elmhurst with her husband, daughter, and son. She enjoys gardening, beaded needlework, and traveling.
Within The Hurst Jennings Group Michelle focuses her efforts on financial planning, multi-generational needs, estate planning strategies and investment analysis.
Securities Agent: SD, OR, MT, WI, NE, NC, IN, IL, VA, TX, OH, NJ, AZ, FL, CO, CA, NM, MI, SC, MN, CT, TN, NY, MD, RI, MA, GA, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1617760
NMLS#: 1617760
About Judy M. Schlosser
Judy's client service and administration knowledge enables The Hurst Jennings Group to provide an exceptional overall client experience. She has over 20 years of management and client service experience, which helps her to manage the daily financial needs of our clients. Judy's responsibilities on The Hurst Jennings Group focus on many of the critical day-to-day operations including new account paperwork, asset transfers, checking alerts, check requests, journals/wires, e-delivery, and assists clients with MS On-line or MS Phone App enrollment.
Judy earned her Associates Degree in Science from Waubonsee Community College and studied History at Northern Illinois University. Judy joined Morgan Stanley in 1998. She is originally from Oswego and lives in Aurora with her husband, two daughters and three sons.
Judy earned her Associates Degree in Science from Waubonsee Community College and studied History at Northern Illinois University. Judy joined Morgan Stanley in 1998. She is originally from Oswego and lives in Aurora with her husband, two daughters and three sons.
Contact Tim Q Hurst
Contact Michelle Jennings
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
Jordan Hoerter
Private Banker
Amy Gross, CFP®
Financial Planning Director, Vice President
Shane Lussier
Planning Associate
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
NMLS#: 1445073
About Amy Gross
Amy Gross is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Chicago suburbs. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
About Shane Lussier
Shane Lussier is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Shane provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Wofford College and received the Financial Planning Specialist® designation from the College for Financial Planning. Shane is originally from Duluth, Georgia and currently resides in Alpharetta, Georgia.
He earned his undergraduate degree from Wofford College and received the Financial Planning Specialist® designation from the College for Financial Planning. Shane is originally from Duluth, Georgia and currently resides in Alpharetta, Georgia.
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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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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Hurst Jennings Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
5When 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.
6Morgan 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Investors 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.
13Morgan 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
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 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
2Morgan 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
5When 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.
6Morgan 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Investors 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.
13Morgan 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
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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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Awards Disclosures
CRC 6491812 (04/2024)
