Frederick Hussey, CFP®
Executive Director, Financial Advisor, Senior Portfolio Management Director, Lending Specialist
Phone:
(781) 681-4924(781) 681-4924
The Hussey Dewey Group at Morgan Stanley
Direct:
(781) 681-4924(781) 681-4924
Toll-Free:
(800) 326-5951(800) 326-5951
Our Mission Statement
Sophisticated investment and financial strategies for clients like you.
Our Story
Located on Boston’s South Shore, The Hussey Dewey Group at Morgan Stanley works with individuals, families, and business owners across the United States and globally. Our approach to wealth management begins with listening. After we’ve had the opportunity to learn about your unique financial goals, we will formulate a cohesive plan for the future. By tailoring our services and strategies to your personal needs, we help to simplify your financial life.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Retirement PlanningFootnote2
- Corporate Retirement PlansFootnote3
- 401(k) Rollovers
- Financial PlanningFootnote4
- Trust AccountsFootnote5
- Trust ServicesFootnote6
- Estate Planning StrategiesFootnote7
- Alternative InvestmentsFootnote8
- Donor Advised Funds
- 529 PlansFootnote9
- Cash Management and Lending ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Advisor Awards
2022 - Fred Hussey Invest in Others Lifetime Achievement Award Finalist
https://www.investinothers.org/recipient/frederick-hussey/
2014 - Fred Hussey recieves the Morgan Stanley Community Leadership Award
2013 - Fred Hussey nominated for the Expect Miracles Award
2008 - Fred Hussey honored with the American Cancer Society's Sandra C. Labaree Award
Community Involvement
American Cancer Society-New England Division
Fred currently sits as the Chairman of the board for the American Cancer Society's New England Division. He began his involvement with "ACS" in 1997 participating in the Making Strides Against Cancer walk in Boston. In 2008 Fred was recognized for his continued involvement when he was honored with the American Cancer Society's Sandra C. Labaree Award. Since then, Fred was a founding leader in the Real Men Wear Pink campaign which is a fundraising initiative to raise awareness that no one should face breast cancer alone.
Special Needs Athletic Partnership (SNAP)
Fred is a longstanding board member and volunteer of Hingham's Special Needs Athletic Partnership, or "SNAP" program. South Shore SNAP was created in 2014 when Hingham Sports Partnership and the Hingham Special Education Parent Advisory Council joined together to offer athletic and recreational activities for special needs kids in Hingham. Fred also coaches a youth soccer team within the program.
Hingham Sports Partnership
Fred has previously served as the President of the Hingham Sports Partnership, which has been increasingly growing to become one of the largest fund-raising organizations on the South Shore. During Fred’s tenure as HSP President, a Hingham High School sports complex overhaul was completed of the tennis courts, track, fields, concession building, stands, lights, and turf field. All of which started by a lead donation from HSP of $250,000 and support of raising $1,000,000 in total. As President, Fred led a group of 25 board members to organize three major annual fundraising events bringing the community together. Additionally, Fred organized the HSP scholarships every year which were given to graduating seniors at Hingham High School who demonstrated the qualities of sportsmanship and leadership.
Our Process
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual financial needs.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan
Financial plans map out essential factors that play into your financial success. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Actions Items / Next Steps
After the creating of the financial plan, we will follow up with you regarding our analysis and recommendations.
Step 5: Implementation
Implementation focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring and Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Location
141 Longwater Drive
Ste 102
Norwell, MA 02061
US
Direct:
(781) 681-4924(781) 681-4924
Toll-Free:
(800) 326-5951(800) 326-5951
Meet The Hussey Dewey Group
Christopher Dewey
Executive Director, Financial Advisor, Senior Portfolio Management Director, Lending Specialist
Phone:
(781) 681-4946(781) 681-4946
James Miller
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(781) 681-4930(781) 681-4930
Elizabeth Portesi, CRPC®, Financial Planning Associate
Assistant Vice President, Wealth Management Associate
Phone:
(781) 681-4962(781) 681-4962
Katherine Nydegger
Registered Client Service Associate
Phone:
(781) 681-4976(781) 681-4976
About Frederick Hussey
Fred has focused his talents on serving the investment needs of high-net worth clients, as well as corporations and non-profits. He is responsible for designing and implementing customized strategies to help our clients achieve their financial goals. Fred’s focus on financial planning coupled with his professional experience in capital markets— fixed income and equities— enables him to advise clients with a distinct perspective in wealth management.
Fred began his career in the financial services industry in 1986 with UBS (formerly PaineWebber). After an extensive due diligence process, Fred’s goal of finding a firm with a shared vision led him and the team to Morgan Stanley in 2009. Fred is a graduate of Babson College, having earned a Bachelor of Science degree in Finance and Communications. Fred obtained his CERTIFIED FINANCIAL PLANNER certification in 1999.
Not only is Fred committed to his business, but also to giving back to the community. He has been a member of the Resurrection’s Parish Council in Hingham and has coached youth and Hingham High School soccer over the years. He currently coaches soccer for the South Shore Special Needs Athletic Partnership (SNAP) and sits on its board. Fred has been closely involved with the American Cancer Society since losing his mom to breast cancer in 1984 and sits on the board of the America Cancer Society’s New England Division. He has participated in the Making Strides Against Breast Cancer Walk in Boston since 1994, and in 2008, he was honored with the American Cancer Society’s Sandra C. Labaree Award for his continued involvement. Fred was a 2013 Nominee for the Expect Miracles Awards and a 2014 recipient of the Morgan Stanley Community Leadership Award. Every October, Fred has chaired the Real Men Wear Pink campaign, a fundraising initiative to spread the American Cancer Society’s vision that no one should face breast cancer alone. In 2022, Fred was a Lifetime Achievement Award Finalist for the Invest in Others Awards, which recognizes the impact of financial advisors’ charitable work in their communities.
Fred lives in Hingham, MA with his wife, Tracy, and their dog, Maui. His three children, Carly, Heather, and Will, all reside in South Boston.
Fred began his career in the financial services industry in 1986 with UBS (formerly PaineWebber). After an extensive due diligence process, Fred’s goal of finding a firm with a shared vision led him and the team to Morgan Stanley in 2009. Fred is a graduate of Babson College, having earned a Bachelor of Science degree in Finance and Communications. Fred obtained his CERTIFIED FINANCIAL PLANNER certification in 1999.
Not only is Fred committed to his business, but also to giving back to the community. He has been a member of the Resurrection’s Parish Council in Hingham and has coached youth and Hingham High School soccer over the years. He currently coaches soccer for the South Shore Special Needs Athletic Partnership (SNAP) and sits on its board. Fred has been closely involved with the American Cancer Society since losing his mom to breast cancer in 1984 and sits on the board of the America Cancer Society’s New England Division. He has participated in the Making Strides Against Breast Cancer Walk in Boston since 1994, and in 2008, he was honored with the American Cancer Society’s Sandra C. Labaree Award for his continued involvement. Fred was a 2013 Nominee for the Expect Miracles Awards and a 2014 recipient of the Morgan Stanley Community Leadership Award. Every October, Fred has chaired the Real Men Wear Pink campaign, a fundraising initiative to spread the American Cancer Society’s vision that no one should face breast cancer alone. In 2022, Fred was a Lifetime Achievement Award Finalist for the Invest in Others Awards, which recognizes the impact of financial advisors’ charitable work in their communities.
Fred lives in Hingham, MA with his wife, Tracy, and their dog, Maui. His three children, Carly, Heather, and Will, all reside in South Boston.
Securities Agent: IN, AZ, WI, RI, NH, MN, MI, IL, WY, SD, CO, ME, NY, DC, CT, SC, VA, NJ, MT, FL, DE, TN, PA, OH, NM, NC, HI, CA, WA, VT, MD, TX, NV, MA, KS, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 192342
NMLS#: 192342
About Christopher Dewey
Chris Dewey provides wealth advisory services to high net worth and ultra-high net worth individuals, families, and business owners. He applies 24 years of experience in the financial services industry to help guide clients through comprehensive wealth management strategies like retirement income planning, trust & estate planning strategies, asset manager selection, and liability management. Chris strives to provide his clients with the feeling of a boutique practice while also leveraging the depth of resources offered at Morgan Stanley.
The early chapter of Chris’ career started at Merrill Lynch in 1999, and later joining UBS (formerly PaineWebber) in 2000. Chris and the team joined Morgan Stanley in 2009, and they’ve worked closely together building relationships with clients through the efforts of exceptional client service.
Chris and his team understand that financial goals are unique to each client’s needs. Therefore, Chris enjoys learning about his client’s specific needs before tailoring both short-term, long-term, and multi-generational wealth planning strategies.
Chris attended the School of Management at Boston University and graduated with a Bachelor of Science in Business Administration with a concentration in Finance. He is a Senior Portfolio Management Director and Lending specialist.
Chris lives in Hingham, MA with his wife, Kathryn, and their three daughters. He is an avid Red Sox fan and a keen supporter of several non-profits in the local Boston area. When he isn’t in the office, Chris enjoys skiing in the winter and fishing in the summer.
The early chapter of Chris’ career started at Merrill Lynch in 1999, and later joining UBS (formerly PaineWebber) in 2000. Chris and the team joined Morgan Stanley in 2009, and they’ve worked closely together building relationships with clients through the efforts of exceptional client service.
Chris and his team understand that financial goals are unique to each client’s needs. Therefore, Chris enjoys learning about his client’s specific needs before tailoring both short-term, long-term, and multi-generational wealth planning strategies.
Chris attended the School of Management at Boston University and graduated with a Bachelor of Science in Business Administration with a concentration in Finance. He is a Senior Portfolio Management Director and Lending specialist.
Chris lives in Hingham, MA with his wife, Kathryn, and their three daughters. He is an avid Red Sox fan and a keen supporter of several non-profits in the local Boston area. When he isn’t in the office, Chris enjoys skiing in the winter and fishing in the summer.
Securities Agent: MD, SC, FL, RI, OH, WI, VA, DE, NJ, MA, CA, TN, PA, NV, MI, AZ, NM, MT, KS, CT, ME, GA, CO, WY, NC, HI, DC, VT, SD, NY, NH, IN, IL, TX, WA, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293939
NMLS#: 1293939
About James Miller
James Miller is a Financial Advisor at Morgan Stanley, focused on helping clients simplify the complexities that come with building, managing, and preserving wealth.
James provides portfolio management, comprehensive financial planning, and ongoing relationship management. He works closely with clients and coordinates with their attorneys, accountants, insurance general agents, and private bankers to help ensure strategies are aligned across all aspects of a client’s financial life.
James began his career with a wealth management internship at Morgan Stanley in 2016 and has served as a Financial Advisor since 2017. James has been recognized as a member of Morgan Stanley’s 2024 and 2025 Pacesetters Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated outstanding talent and achievements in wealth management, and demonstrate the highest professional standards. He was promoted to Vice President in 2026.
Originally from Long Island, New York, James now lives in Boston’s Back Bay neighborhood. Outside of the office, he enjoys running and playing golf.
NMLS#: 1707737
Disclaimers:
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
James provides portfolio management, comprehensive financial planning, and ongoing relationship management. He works closely with clients and coordinates with their attorneys, accountants, insurance general agents, and private bankers to help ensure strategies are aligned across all aspects of a client’s financial life.
James began his career with a wealth management internship at Morgan Stanley in 2016 and has served as a Financial Advisor since 2017. James has been recognized as a member of Morgan Stanley’s 2024 and 2025 Pacesetters Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated outstanding talent and achievements in wealth management, and demonstrate the highest professional standards. He was promoted to Vice President in 2026.
Originally from Long Island, New York, James now lives in Boston’s Back Bay neighborhood. Outside of the office, he enjoys running and playing golf.
NMLS#: 1707737
Disclaimers:
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Securities Agent: IL, HI, GA, DE, DC, CO, WA, SC, NV, WY, VA, SD, RI, NY, NM, CT, VT, OH, NJ, MN, KS, TN, TX, PA, NH, ME, MD, CA, AZ, MA, WI, NC, MT, MI, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1707737
NMLS#: 1707737
About Elizabeth Portesi, CRPC®
Liz brings more than 15 years of experience in the financial industry. A graduate of Saint Anselm College, she developed an extensive operations background at State Street Bank in the trade processing and FX departments. Liz was drawn to Private Wealth Management where she could focus on the client experience. She joined Fred and Chris at UBS in 2008.
Liz oversees the group's administrative and operational activities, addressing all client needs with personal attention. Liz has her Series 7, 66, insurance and annuity licenses. In 2020, Liz earned her CRPC® designation.
Liz is an avid baker and enjoys going to the beach and taking barre classes at her local studio. In 2023, Liz obtained her Barre Instructor Certification. Liz resides in Norwell with her husband, Todd, their son, Leo, and daughter, Rowan.
Liz oversees the group's administrative and operational activities, addressing all client needs with personal attention. Liz has her Series 7, 66, insurance and annuity licenses. In 2020, Liz earned her CRPC® designation.
Liz is an avid baker and enjoys going to the beach and taking barre classes at her local studio. In 2023, Liz obtained her Barre Instructor Certification. Liz resides in Norwell with her husband, Todd, their son, Leo, and daughter, Rowan.
About Katherine Nydegger
Kate Nydegger is a Registered Client Service Associate with the Hussey-Dewey Group at Morgan Stanley, providing administrative and operational support.
Kate joined the team in 2022, shortly after graduating from Providence College, where she majored in Business Management and minored in Finance. During her time at Providence, Kate was a fellow in the Women in Business Club and a member of the Friars 4 Special Needs Club.
Kate currently resides in Boston. In her free time, she enjoys travelling, skiing, and spends most of her summer on Cape Cod.
Kate joined the team in 2022, shortly after graduating from Providence College, where she majored in Business Management and minored in Finance. During her time at Providence, Kate was a fellow in the Women in Business Club and a member of the Friars 4 Special Needs Club.
Kate currently resides in Boston. In her free time, she enjoys travelling, skiing, and spends most of her summer on Cape Cod.
Contact Frederick Hussey
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Hear From Our Clients
Chris's experience and knowledge have immeasurably improved our financial picture and enhanced our understanding of how it fits our present and future circumstances. In accomplishing this, he's always communicated his ideas clearly and made sure he understands our thoughts and desires as well. He has consistently provided solutions to needs we hadn't considered until they arose, always doing so in a responsive and timely way.
Bob
Verified ClientOctober 20, 2025
James, I’ve always heard that timing is everything. But for me, having a pleasant, knowledgeable, and trustworthy financial advisor in my corner is just as important. Thanks for all your help.
Glenn P.
Verified ClientMarch 22, 2026
Thank you James Miller. We appreciate your prompt responses and your advice has been terrific. We are so glad we switched to Morgan Stanley and especially that you were assigned to our account. We love working with you.
Dorian & Joe M.
Verified ClientMarch 26, 2026
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
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- 401(k) Rollovers
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Creating customized financial strategies for the challenges that today’s families face.
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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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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
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.
5Morgan 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.
6Morgan 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.
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.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Investors 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.
10Morgan 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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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.
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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.
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
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.
5Morgan 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.
6Morgan 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.
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.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Investors 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.
10Morgan 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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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
