Scott D Johnston, CFP®
Senior Vice President, Financial Advisor, Financial Planning Specialist, Alternative Investments Director
Phone:
(315) 448-3333(315) 448-3333
The Johnston Group at Morgan Stanley
Direct:
(315) 448-3333(315) 448-3333
Toll-Free:
(800) 234-8133(800) 234-8133
Our Mission Statement
To create a positive impact in your life by helping you integrate your wealth and your purpose
Our Story
We believe that wealth is measured in far more than dollars and cents. It is also measured by the relationships you’ve built, the goals you’ve accomplished and the values that shape your life and legacy. Money is simply a useful tool, one that enables you to pursue your vision of a life well-lived. As your advisors, we help you get connected to your money and what it means for you and your family. We focus less on how much you have than on how you can use what you have to help achieve your financial goals at every stage of life, whether it’s buying a home, growing a business, creating a comfortable retirement, or transferring wealth. We encourage you to think of yourself as a company—with income, expenses and even shareholders—and we serve as your personal CFO, helping you understand how much you need to live the life you envision and what you will need to do to get there. The foundations of our success are financial planning, exceptional service and an extensive suite of wealth management solutions that are customized to your unique needs. With our integrated approach, we explore various aspects of your financial life, seeking to maximize your opportunities and minimize your risks. Our goal is to help take a weight off your shoulders. We find joy, purpose and meaning in helping solve problems. You want to work with people you trust, people you can rely on through thick and thin. Having served our clients as a team of equals for nearly 15 years, we offer the stability and loyalty you seek. We take the greatest care in forging relationships that span across multiple generations. When you work with us, you can benefit from a balance of perspectives and become part of our extended financial family. Like you, we are in the trenches of life, so we understand your challenges. Each and every day, we strive to create a positive impact and simplify your financial life so you can focus on leading your most fulfilling life.
Services Include
- Wealth ManagementFootnote1
- 529 PlansFootnote2
- Alternative InvestmentsFootnote3
- AnnuitiesFootnote4
- Asset Management
- Corporate BondsFootnote5
- Corporate Cash Management
- Corporate Retirement PlansFootnote6
- Corporate Trust Services
- Divorce Financial AnalysisFootnote7
- Estate Planning StrategiesFootnote8
- Financial PlanningFootnote9
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Trust AccountsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Johnston Group Method
We adopt a multigenerational approach to wealth management that encompasses wealth creation, preservation and distribution or transfer strategies. What has derived from this is a disciplined strategy—rather than managing risk in the market, we seek to manage wealth for the purpose of distribution, whether it’s for buying a house, paying for a child’s college education, or providing income in retirement. We believe in the three buckets methodology, where the first bucket of money is designated for years one to five, the second for years six to 10, and the third for 10+ years. Using the three buckets as a timeline, we strive to structure your assets so that your first bucket is invested in vehicles that are not affected by fluctuations in the market. Your second bucket is kept in a defensive position so that, even in the worst-case scenario, you may have five years of income in an effort to support the lifestyle you choose. What this means for you is that the money you have in the market is money that you will not need for a decade or more. In our experience, this approach helps transform money from a cause for concern into a tool for helping pursue—and achieve—your financial goals.
Discovery
This is your meeting, it’s all about you and you do all the talking. This meeting is our opportunity to learn about you and your family and helps us all to identify your needs, wants and wishes.
Preparation
This is the document gathering step that helps us to identify your assets and liabilities to create your financial plan. By gathering monthly/quarterly statements and family documents we can begin to create the living document that is your Financial Plan.
Planning
Using the information from discovery and preparation we utilize our Firm software to create a custom financial plan.
Delivery
Usually in person or via ZOOM, this meeting allows us to view and share the Financial Plan with you to assess the probability of reaching your needs, wants and wishes. Also allows us to identify vulnerabilities and creating solutions.
Your 3 Buckets
Our investment methodology to implement as part of your plan to establish your conservative, core and growth portfolios.
Maintenance
The ongoing process of 90 days calls and check in with each other and reviewing the financial plan every year.
Our Services
Financial planning
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us help with a strategy
Alternative Investments
We can help you diversify your portfolio with a wide array of alternatives.
Asset Management
Identifying a client's financial goals and then working to accomplish those goals via portfolio management—buying and managing stocks, bonds and funds.
Wealth Management
Build, preserve and manage personal wealth.
Wealth Planning
We provide services to a wide array of clients ranging from affluent to high-net-worth and ultra-high-net-worth individuals and families
Cash Planning
As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions. This includes eAuhtorizations, Bill Pay, Morgan Stanley Debit Cards and more.
Lending
Banks may struggle with high-cost structures, outdated technology and regulatory capital pressures that limit their ability to lend.
Business Planning
Sit down and speak to us on how we can help you get your business up and running.
Digital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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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.
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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.
Get Started TodayLocation
250 So. Clinton St
Ste 500
Syracuse, NY 13202
US
Direct:
(315) 448-3333(315) 448-3333
Toll-Free:
(800) 234-8133(800) 234-8133
Meet The Johnston Group
Nichole M Moles
First Vice President, Wealth Management, Financial Advisor
Phone:
(315) 448-3361(315) 448-3361
Lisa D Louise
Senior Client Service Associate
Phone:
(315) 464-3304(315) 464-3304
Ellen S. Butler
Registered Client Service Associate
Phone:
(315) 448-3359(315) 448-3359
About Scott D Johnston
For over a decade, Scott has been helping clients manage their wealth to achieve their goals. As a CERTIFIED FINANCIAL PLANNER™ professional, he upholds the highest ethical and professional standards and delivers a comprehensive, multigenerational, planning-based approach to wealth management that encompasses virtually every aspect of a client’s financial life. In addition to assisting in the discretionary management of the team’s private client portfolios, Scott coordinates with our clients’ other professional advisors.
Scott came to Morgan Stanley* in 1999, joining forces with his father, Dan Johnston, who was with the Firm for 53 years and has since retired. Scott began his financial services career in 1996 at Paine Webber, where he worked in institutional equity sales. This background helped him develop a nuanced perspective on how to deliver an institutional level of service to individuals and families.
Scott graduated from Duke University, where he earned a Bachelor of Arts degree with a double major in public policy and history. He lives in Fayetteville, New York, with his wife, Jolie, and their three children. Outside of work, he is passionate about martial arts, acoustic guitar and songwriting. Scott is an active member of the Syracuse Executives Association. A proponent of the team mantra “think global act local”, he supports several local non-profit organizations, including Ronald McDonald House Charities® of Central New York, The Jewish Community Center, Make-A-Wish of Central New York and the Skaneateles Lake Association.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Scott came to Morgan Stanley* in 1999, joining forces with his father, Dan Johnston, who was with the Firm for 53 years and has since retired. Scott began his financial services career in 1996 at Paine Webber, where he worked in institutional equity sales. This background helped him develop a nuanced perspective on how to deliver an institutional level of service to individuals and families.
Scott graduated from Duke University, where he earned a Bachelor of Arts degree with a double major in public policy and history. He lives in Fayetteville, New York, with his wife, Jolie, and their three children. Outside of work, he is passionate about martial arts, acoustic guitar and songwriting. Scott is an active member of the Syracuse Executives Association. A proponent of the team mantra “think global act local”, he supports several local non-profit organizations, including Ronald McDonald House Charities® of Central New York, The Jewish Community Center, Make-A-Wish of Central New York and the Skaneateles Lake Association.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Securities Agent: ME, CT, MA, IA, CO, CA, HI, FL, AZ, VA, NC, UT, TX, NJ, SC, OR, NY, VT, PA, OH, MD, WY, WA, TN, NH, DE, RI, MO, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1663883
NMLS#: 1663883
About Nichole M Moles
Nichole combines her lifelong interest in economics and business with her passion for problem solving to help clients live the life—and retirement—they envision. She focuses on financial planning, as well as active communication with our clients to keep pace with the changes in their lives and to ensure a seamless service experience. Nichole is also responsible for the team’s social media presence and digital marketing efforts.
Nichole joined Morgan Stanley in 2004 and has been working with Scott ever since. She began her financial services career with Tucker Anthony in Boston, Massachusetts, as a Junior Research Associate on their institutional sales desk. There, she developed a deep understanding of both the institutional and retail sides of the business.
Nichole earned her Bachelor of Science degree in mass communications from Mansfield University. A native of Watertown, New York, she currently resides in Syracuse, New York, with her husband, Peter, and their two children. In her free time, she enjoys spending time with her family, along with skiing, golfing and a variety of other outdoor activities. She is an active member of the ZONTA Club of Syracuse and a mentor for the Manlius Pebble Hill Z Club. She lives the team mantra of “think global act local” by supporting several local non-profit organizations, such as Ronald McDonald House Charities® of Central New York, The Jewish Community Center, Make-A-Wish of Central New York and many others.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Nichole joined Morgan Stanley in 2004 and has been working with Scott ever since. She began her financial services career with Tucker Anthony in Boston, Massachusetts, as a Junior Research Associate on their institutional sales desk. There, she developed a deep understanding of both the institutional and retail sides of the business.
Nichole earned her Bachelor of Science degree in mass communications from Mansfield University. A native of Watertown, New York, she currently resides in Syracuse, New York, with her husband, Peter, and their two children. In her free time, she enjoys spending time with her family, along with skiing, golfing and a variety of other outdoor activities. She is an active member of the ZONTA Club of Syracuse and a mentor for the Manlius Pebble Hill Z Club. She lives the team mantra of “think global act local” by supporting several local non-profit organizations, such as Ronald McDonald House Charities® of Central New York, The Jewish Community Center, Make-A-Wish of Central New York and many others.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Securities Agent: MD, VT, UT, ME, TN, CA, VA, RI, NY, MN, DE, CO, SC, PA, NJ, IA, OH, NH, HI, TX, MO, AZ, WY, OR, CT, WA, NC, MA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1475792
NMLS#: 1475792
About Lisa D Louise
Lisa is a Senior Client Service Associate at Morgan Stanley in Syracuse, NY. She joined Morgan Stanley in 2002*. She is responsible for providing clients with exceptional service and support, including processing new accounts, account maintenance, and funds distributions.
Lisa holds an A.S. degree in Hotel and Restaurant Management from SUNY Cobleskill and her B.S. from SUNY Oswego in Psychology. Lisa is a fully devoted mother of her two daughters who are now grown but has served in her community by being active in the PTA, as a religious educator, and a Girl Scout Leader. All of these make Lisa an asset to our team with her positive attitude and friendliness that our clients have grown to love and respect.
*Includes years at Smith Barney, affiliates and predecessor firms
Lisa holds an A.S. degree in Hotel and Restaurant Management from SUNY Cobleskill and her B.S. from SUNY Oswego in Psychology. Lisa is a fully devoted mother of her two daughters who are now grown but has served in her community by being active in the PTA, as a religious educator, and a Girl Scout Leader. All of these make Lisa an asset to our team with her positive attitude and friendliness that our clients have grown to love and respect.
*Includes years at Smith Barney, affiliates and predecessor firms
About Ellen S. Butler
Registered Client Service Associate, Ellen Butler joined Morgan Stanley in May of 2019 making her the newest member of The Johnston Group at Morgan Stanley.
Ellen graduated from Cornell University with her Bachelor of Science in Business Management and Marketing. Her background includes banking, accounting, payroll, benefits consulting and office administration. Ellen’s primary responsibilities for The Johnston Group will include project management, marketing, event planning and overall team administration.
Ellen lives in Dewitt with her husband, Keith, and has two grown daughters who also live in the Syracuse area. In her free time, Ellen enjoys being outside hiking, biking or kayaking. She also loves to travel and attend live theater events.
Ellen graduated from Cornell University with her Bachelor of Science in Business Management and Marketing. Her background includes banking, accounting, payroll, benefits consulting and office administration. Ellen’s primary responsibilities for The Johnston Group will include project management, marketing, event planning and overall team administration.
Ellen lives in Dewitt with her husband, Keith, and has two grown daughters who also live in the Syracuse area. In her free time, Ellen enjoys being outside hiking, biking or kayaking. She also loves to travel and attend live theater events.
Contact Scott D Johnston
Contact Nichole M Moles
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
Nancy H. Sheftic, CFP®
Financial Planning Director, Assistant Vice President
About Nancy H. Sheftic
Nancy is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in upstate New York. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Nancy began her career in financial services in 2005, and joined Morgan Stanley in 2019. Prior to her current position, she was a Team Financial Advisor with Merrill Lynch.
Nancy graduated from Le Moyne College and holds her Certified Financial Planner®. Nancy holds the following registrations: Series 7, Series 63, Series 66 and Life and Health insurance licenses and is a Notary Public. She also holds a Master’s in Business Administration from Le Moyne College.
Nancy lives in Baldwinsville, NY with her husband Patrick and their two sons, Dean and Alex. In her spare time, she loves being outdoors, especially hiking and skiing. Nancy also believes strongly in women being financially empowered and is a member of Morgan Stanley’s Women in Wealth employee group as well as 100 Women Who Care CNY.
Nancy began her career in financial services in 2005, and joined Morgan Stanley in 2019. Prior to her current position, she was a Team Financial Advisor with Merrill Lynch.
Nancy graduated from Le Moyne College and holds her Certified Financial Planner®. Nancy holds the following registrations: Series 7, Series 63, Series 66 and Life and Health insurance licenses and is a Notary Public. She also holds a Master’s in Business Administration from Le Moyne College.
Nancy lives in Baldwinsville, NY with her husband Patrick and their two sons, Dean and Alex. In her spare time, she loves being outdoors, especially hiking and skiing. Nancy also believes strongly in women being financially empowered and is a member of Morgan Stanley’s Women in Wealth employee group as well as 100 Women Who Care CNY.
NMLS#: 1421563
Wealth Management
Global Investment Office
Portfolio Insights
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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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Ready to start a conversation? Contact The Johnston Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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.
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.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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.
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.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan 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.
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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Awards Disclosures
CRC 6491812 (04/2024)
