Phone:
(352) 401-3867(352) 401-3867
The J Stewart Group at Morgan Stanley
Direct:
(352) 401-3867(352) 401-3867
Toll-Free:
(800) 669-0669(800) 669-0669
Our Mission Statement
To deliver well thought out, plan-based financial advice that inspires clients to make the best decisions for themselves and their families.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Wealth ManagementFootnote4
- Wealth PlanningFootnote5
- 401(k) Rollovers
- Business PlanningFootnote6
- Planning for Individuals with Special Needs
- Qualified Retirement PlansFootnote7
- Planning for Education FundingFootnote8
- Cash Management and Lending ProductsFootnote9
- Corporate Retirement PlansFootnote10
- Business Succession PlanningFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
While working with our team, your family's goals will be the backbone of our work. That is why before we begin strategizing, we will sit down together to get an understanding of what is important to you now and also down the line. By asking good questions and carefully to your answers, we will be able to match your wants and needs with our knowledge and resources.
1. Discovery Process
We begin with a conversation to understand your priorities. We carefully navigate through you financial goals, challenges, aspirations to help us determine how we can best serve your needs.
2. Creating Your Strategy
Using what we learned about you during the discovery process, we utilize a variety of planning and risk analysis tools to identify appropriate solutions. Each recommendation is tested against different conditions and benchmarks before being formalized into your custom plan.
3. Putting Your Plan Into Action
We present your plan in detail, which includes investment recommendations, as well as other strategies aimed at reducing risk, minimizing taxes, and achieving your estate planning goals.
Once receiving your approval, we begin to implement each strategy. We collaborate with your CPA and estate attorney to help ensure continuity. We believe in full transparency and keep you involved each step of the way.
Once receiving your approval, we begin to implement each strategy. We collaborate with your CPA and estate attorney to help ensure continuity. We believe in full transparency and keep you involved each step of the way.
4. Measuring Your Succcess
We meet with you regularly to track performance towards your goals, discuss changes in your life, and update our strategies as needed. Our mission is your success.
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Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn MoreClients We Serve
Our clients are individuals, families, senior executives, and business owners. Some are in retirement or entering their retirement years looking to establish their legacy while others have young families and are looking to put a financial plan in place for their family's needs.
Business owners are often seeking guidance on exit strategies, lending strategies, and planning.
Whether you are a new client or someone that we have worked with for generations, our commitment to your success remains consistent. We want to assist your family's needs in any way we can, so you can continue succeeding in your own personal and professional life.
Business owners are often seeking guidance on exit strategies, lending strategies, and planning.
Whether you are a new client or someone that we have worked with for generations, our commitment to your success remains consistent. We want to assist your family's needs in any way we can, so you can continue succeeding in your own personal and professional life.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Retirement Planning
The market can influence your decision of when to retire. This article explains why having a strategy for retirement is essential. Our team will help you be financially equipped for retirement and guide you throughout this stage of life.
Is Your Portfolio Ready for Retirement
Insured Solutions
A sound wealth plan requires more than just seeking returns. It also involves mitigating and managing risks, helping to protect you when the unexpected occurs.
Morgan Stanley Insured Solutions
Our Clients
We provide clients with the finest financial planning processes, products, and best execution through our individualized service approach and top of the line wealth management services. Our goal is to put our clients in a position for retirement to help them accomplish what they want to do and not what they need to do. We focus on unique planning for families, small businesses and their owners, and those who are preparing for retirement.
Valuable Experience
With a combined 61 years of experience, the Stewart McCall Group works to achieve high class results for our clients. Our deep understanding of the world's financial markets helps us to assist our clients in attaining their goals. With a long track record solving the most complex financial problems, our team is ready to serve your unique situation.
Multigenerational Wealth
Our dedication to serve your family never stops. We are committed to an ongoing assessment for your family’s portfolio and wealth management needs. Our team will work with families to maximize their opportunities. Our team has direct access to the ultra-high net worth experts in philanthropy, family dynamics, wealth and lifestyle advisory for the betterment of our clients and their families.
White Glove Service
Our clients deserve a team of experienced professionals who shares their vision, earns their trust, and works diligently to create a customized financial roadmap that is designed to achieve financial success. Our team prides ourselves on being reachable and timely in our responses to our clients.
Location
2303 SE 17th Street
Suite 101
Ocala, FL 34471
US
Direct:
(352) 401-3867(352) 401-3867
Toll-Free:
(800) 669-0669(800) 669-0669
832 Lake Sumter Landing
The Villages, FL 32162
US
Direct:
(352) 753-6400(352) 753-6400
Meet The J Stewart Group
Phone:
(352) 751-7851(352) 751-7851
Ben Ow
Financial Advisor
Phone:
(352) 751-7844(352) 751-7844
Adrian Garvin
Client Service Associate
Phone:
(352) 401-3837(352) 401-3837
Kristen Bouma
Client Service Associate
Phone:
(352) 401-3832(352) 401-3832
About Jeffery Stewart
Jeff has been in the financial planning industry for the last 21 years. He has spent the last 21 years working through the investment and financial planning aspects of the business to help better serve the needs of his clients. His passion for the financial services industry began when he was a young boy learning from his great grandfather about the stock market exchange. His dedicated service mentality works with his experience in the financial planning industry to bring an individualized service approach to every client. Jeff has also achieved many certifications over his financial career, including his most recent certification of Chartered Retirement Planning Counselor to better serve the retirement community here in Ocala, Florida.
Before Jeff’s financial career, Jeff served in the Navy for four years and spent some time coaching high school football. Outside of the office Jeff enjoys hunting, being on his new boat fishing with his family, and the game of hockey. He is a Michigan native, but currently resides in Ocala, Florida with his wife Lynn and five kids.
Before Jeff’s financial career, Jeff served in the Navy for four years and spent some time coaching high school football. Outside of the office Jeff enjoys hunting, being on his new boat fishing with his family, and the game of hockey. He is a Michigan native, but currently resides in Ocala, Florida with his wife Lynn and five kids.
Securities Agent: WI, NY, NH, FL, VT, GA, CT, NC, TN, MO, MN, PA, ME, AL, MD, VA, TX, NJ, MI, IL, DE, CA, OH, CO, AZ, SC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2125380
AR Insurance License #: 5086966
NMLS#: 2125380
AR Insurance License #: 5086966
About John Glendinning
John has been a licensed financial advisor for 8 years. He started his career with Merrill Lynch in Jacksonville, before ultimately moving his practice to The Villages and joining Morgan Stanley. He has experience in a wide array of investment strategies, including education planning, retirement planning, income generation, and exit planning for businesses. John is currently studying for his Qualified Plan Financial Consultant designation, which he will acquire in April this year. In his spare time, John enjoys spending time with family and friends, staying fit, and hosting his weekly chess club.
Securities Agent: NC, MI, WI, PA, NY, KS, VT, VA, NH, RI, MA, ID, NV, CT, CO, CA, TN, NJ, IL, AL, TX, ME, FL, DE, AZ, MN, MD, GA, SC, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1473225
NMLS#: 1473225
About Ben Ow
Ben is our newest FAA on The J Stewart Group at Morgan Stanley. As a member of The J Stewart Group, Ben works simultaneously with the team's financial advisors to develop highly personalized relationships and wealth solutions for each client. Ben strives to help his clients accomplish what matters to them most by cultivating meaningful relationships. Ben’s main focus is client acquisition and marketing for The J Stewart Group. Ben started out his financial career with Morgan Stanley and has had experience with trading during his time with Fidelity.
Ben lived in Ocala for 12 years but currently resides in Orlando, FL. He graduated from the University of Central Florida and started his career in the recruiting/sales consultant industry. Outside of the office, Ben is very active in the gym and sports.
NMLS #2503215
FL Insurance W976564
Ben lived in Ocala for 12 years but currently resides in Orlando, FL. He graduated from the University of Central Florida and started his career in the recruiting/sales consultant industry. Outside of the office, Ben is very active in the gym and sports.
NMLS #2503215
FL Insurance W976564
Securities Agent: TX, SC, WI, MO, LA, CO, AZ, MA, KY, AL, VT, NM, NJ, NC, KS, RI, NY, PA, CT, CA, ME, IL, GA, FL, WA, MD, OH, ND, MI, TN, NV, NH, MN, VA; General Securities Representative; Investment Advisor Representative
About Adrian Garvin
Adrian has been in the financial industry since 2016 and now oversees the team's operational and client service initiatives for the team here at Morgan Stanley. Adrian is a caring service associate whose top priority is to help ensure each client’s wealth management experience exceeds expectations and is thoroughly enjoyable.
Outside of the office Adrian spends a lot of time with her three kids. She is just as active as her kids are, making sure that they get to all of their Baseball/Softball/Basketball/Soccer practices and spending her afternoons to help her children work through home schooling. When taking a break from the working mom role, she enjoys traveling with her husband.
Outside of the office Adrian spends a lot of time with her three kids. She is just as active as her kids are, making sure that they get to all of their Baseball/Softball/Basketball/Soccer practices and spending her afternoons to help her children work through home schooling. When taking a break from the working mom role, she enjoys traveling with her husband.
About Kristen Bouma
Kristen is a new asset to the team here at Morgan Stanley. She aids the team in operations and client services. She helps provide exceptional customer service and alleviates any client issues ranging from money management to arranging client meetings.
She enjoys volunteering with Operation Shoebox, sending care packages to military personnel overseas. She is also married and mother of two daughters. She enjoys spending time with her family and friends most.
She enjoys volunteering with Operation Shoebox, sending care packages to military personnel overseas. She is also married and mother of two daughters. She enjoys spending time with her family and friends most.
Contact Jeffery Stewart
Contact John Glendinning
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
Robert Mickler
Private Banker
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
Wealth Management
From Our Team
Estate Planning Essentials: 7 Key Steps
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The J Stewart Group today.
1Morgan 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.
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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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
10When 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.
11Morgan 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.
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
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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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
10When 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.
11Morgan 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.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
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Awards Disclosures
CRC 6491812 (04/2024)
