Phone:
(713) 966-2165(713) 966-2165
The KP Group at Morgan Stanley
Direct:
(713) 966-2165(713) 966-2165
Our Mission Statement
Delivering comprehensive wealth strategies to help you reach your financial goals
THE KP GROUP
The KP Group at Morgan Stanley is dedicated to providing professional investment management services to our colleagues and to the clients of Morgan Stanley.
Our goal is to help grow and preserve your financial and social capital so that it can have the greatest positive impact today and for generations to come. Our proprietary research, selection methodology and investment process enable us to provide our clients with best-in-class portfolio management solutions to help you achieve your financial goals and address the most complex investment portfolios.
WEALTH MANAGEMENT SERVICES
- Proprietary risk adjusted portfolios for domestic and international clients
- Tailored Structured Product Solutions
- Tailored Alternative Investment Solutions
- Insurance Solutions
- Banking and Lending Solutions
CLIENT SERVICING
- Domestic and International Individuals / Entities
- High Net Worth Individuals
NATIONAL & INTERNATIONAL COVERAGE
- United States
- Central & South America
50+ Years of combined investment experience (1)
- Group is comprised of 4 financial professionals, including 2 Portfolio Managers, a dedicated CFA, and a Client Services Associate.
DESIGNATED MORGAN STANLEY
- Portfolio Manager
- International Financial Advisor
(1) Individual years of experience listed in our biographies
Our goal is to help grow and preserve your financial and social capital so that it can have the greatest positive impact today and for generations to come. Our proprietary research, selection methodology and investment process enable us to provide our clients with best-in-class portfolio management solutions to help you achieve your financial goals and address the most complex investment portfolios.
WEALTH MANAGEMENT SERVICES
- Proprietary risk adjusted portfolios for domestic and international clients
- Tailored Structured Product Solutions
- Tailored Alternative Investment Solutions
- Insurance Solutions
- Banking and Lending Solutions
CLIENT SERVICING
- Domestic and International Individuals / Entities
- High Net Worth Individuals
NATIONAL & INTERNATIONAL COVERAGE
- United States
- Central & South America
50+ Years of combined investment experience (1)
- Group is comprised of 4 financial professionals, including 2 Portfolio Managers, a dedicated CFA, and a Client Services Associate.
DESIGNATED MORGAN STANLEY
- Portfolio Manager
- International Financial Advisor
(1) Individual years of experience listed in our biographies
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Financial PlanningFootnote3
- Asset Management
- Estate Planning StrategiesFootnote4
- Retirement PlanningFootnote5
- 401(k) Rollovers
- 529 PlansFootnote6
- Structured ProductsFootnote7
- Cash Management and Lending ProductsFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR SUITE OF SERVICES
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Alternative Investments
Morgan Stanley’s global network affords us the ability to offer eligible clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
Alternative 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.
Alternative 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.
Cash Management and Lending Services
Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Insurance
We work with our team of experts take an extensive look at your financial profile to decipher what type(s) of insurance most suit your particular needs, and determine if your current insurance policies are what is the best fit for you and your needs.
Special Designations
We, the KP Group at Morgan Stanley, provide the highest level of service to our clientele by demonstrating our commitment to learning and professionalism. We focus on serving the unique financial needs of clients who live outside the US with our International Wealth Management designation. In addition, we focus on providing highly customized portfolio management solutions as one of the select group of financial advisors qualified for the Portfolio Management Program.
Our two areas of focus provides us with a distinctive skill set.
Our two areas of focus provides us with a distinctive skill set.
INTERNATIONAL WEALTH MANAGEMENT
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States, specifically in Latin America. We also serve U.S. citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
Our team is based in Houston, Texas, and supported by a staff that understands the special requirements of international investors. We speak our clients’ languages, understand their cultures and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
Learn more about International Wealth Management hereOur team is based in Houston, Texas, and supported by a staff that understands the special requirements of international investors. We speak our clients’ languages, understand their cultures and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
PORTFOLIO MANAGEMENT
Along with our International Wealth Management focus, we are also exclusively part of the Morgan Stanley’s Portfolio Management Program that allows Financial Advisors who are qualified by the firm—based on training, experience and commitment—to make investment decisions on your behalf and independently manage your assets.
As Portfolio Managers, we study investment trends and leverage the global resources of the firm to help you develop a personalized investment strategy that takes into account your financial goals. Our focused approach to investing is founded in a disciplined, four-step process that helps guide the selection of investments for your portfolio and its ongoing review. We'll work with you to help you establish your financial objectives, define an investment strategy, evaluate and select investments, and monitor your portfolio.
Whatever your financial goal- whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is highly customized to you and your family.
Learn more about our Portfolio Management Program hereAs Portfolio Managers, we study investment trends and leverage the global resources of the firm to help you develop a personalized investment strategy that takes into account your financial goals. Our focused approach to investing is founded in a disciplined, four-step process that helps guide the selection of investments for your portfolio and its ongoing review. We'll work with you to help you establish your financial objectives, define an investment strategy, evaluate and select investments, and monitor your portfolio.
Whatever your financial goal- whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is highly customized to you and your family.
RESOURCES AND RESEARCH
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. The links below offer insight into the modern market and economic landscape.
KP Quarterly Newsletters
Explore our Quarterly Market Commentary where we share our market perspective, team updates, client resources, and more.
KP Group's July 2023 Quarterly NewsletterThoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest EpisodeMorgan Stanley Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest ReportGIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest ReportMorgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Listen To The Latest EpisodeIncome Tax Tables
For information that may be useful in filing this year's taxes or preparing for next year's see the reports below.
Access 2023 reportMorgan Stanley's Digital Offerings
We believe that digital technology plays a crucial role in how our clients communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Instructions to Enroll
We’ve created simple videos to help you understand everything you can do with the app. Pick your topic and discover how to easily enroll.
- Enroll in Morgan Stanley Online
- Enroll in eAuthorizations
- Send Money with Zelle
- Mobile Check Deposit
Access Instructions- Enroll in Morgan Stanley Online
- Enroll in eAuthorizations
- Send Money with Zelle
- Mobile Check Deposit
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More About MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn How We Mitigate Risk For Clients
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Learn More About Online Security Measures- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More About GPSLocation
2800 Post Oak Blvd
Ste 3200
Houston, TX 77056
US
Direct:
(713) 966-2165(713) 966-2165
Meet The KP Group
Phone:
(713) 499-2016(713) 499-2016
Georgina Cross
Senior Client Service Associate
Phone:
(713) 658-2787(713) 658-2787
About Carlos Kuri
Carlos Kuri is an International Client Advisor, Portfolio Manager, and Vice President who has been with Morgan Stanley since 2008. Prior to joining the Firm, he worked as an International Financial Advisor for Merrill Lynch and also served as the CEO for two companies.
Born and raised in San Salvador, El Salvador, Carlos earned a Bachelor of Science in Chemical Engineering from the University of El Salvador, and went on to attend both the University of Michigan - Ann Arbor, as well as Louisiana State University, where he earned his MS in Chemical Engineering. Upon earning his degrees, he spent many years working as a Process Engineer. In 1982, Carlos moved to Houston, Texas, where he has lived ever since.
Carlos has been married to Rita Jauregui for over 45 years. Together, they have three adult children, all of whom work as attorneys, and one granddaughter. Carlos has been quite involved philanthropically, as well, particularly when he served as the Vice-Chairman of the Mexican Institute of Greater Houston. While not working, Carlos takes pleasure in reading, traveling, appreciating the fine arts, and being active through Pilates and Barre classes.
Born and raised in San Salvador, El Salvador, Carlos earned a Bachelor of Science in Chemical Engineering from the University of El Salvador, and went on to attend both the University of Michigan - Ann Arbor, as well as Louisiana State University, where he earned his MS in Chemical Engineering. Upon earning his degrees, he spent many years working as a Process Engineer. In 1982, Carlos moved to Houston, Texas, where he has lived ever since.
Carlos has been married to Rita Jauregui for over 45 years. Together, they have three adult children, all of whom work as attorneys, and one granddaughter. Carlos has been quite involved philanthropically, as well, particularly when he served as the Vice-Chairman of the Mexican Institute of Greater Houston. While not working, Carlos takes pleasure in reading, traveling, appreciating the fine arts, and being active through Pilates and Barre classes.
Securities Agent: CO, SD, DE, NY, LA, WI, NJ, TX, FL, CA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1398793
NMLS#: 1398793
About Dane Pearson
Dane Pearson is a Portfolio Manager who has been working at Morgan Stanley since 2016. Since coming to Morgan Stanley, Dane has become a member of the Firm's Pacesetter's Club. Prior to joining the Firm, he spent 8 years at Kirby Corporation as a Financial Analyst, where he held various leadership roles on a number of strategic planning committees and Merger & Acquisition teams. He graduated with a BBA in Finance from the Neeley School of Business at Texas Christian University, and he went on to earn his MBA at Tulane University's A.B. Freeman School of Business.
A native of Austin, Texas, Dane currently resides in Houston with his wife, Jennifer, and their Brittany Spaniel, Briggs. Dane is quite involved in his local community, where he is a member of Duck's Unlimited, the Coastal Conservation Association, and the Galveston Bay Foundation. While not working, Dane enjoys hunting, fishing, traveling, and practicing his photography skills.
A native of Austin, Texas, Dane currently resides in Houston with his wife, Jennifer, and their Brittany Spaniel, Briggs. Dane is quite involved in his local community, where he is a member of Duck's Unlimited, the Coastal Conservation Association, and the Galveston Bay Foundation. While not working, Dane enjoys hunting, fishing, traveling, and practicing his photography skills.
Securities Agent: WI, GA, CT, CA, TX, LA, SD, NY, DE, TN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1558040
NMLS#: 1558040
Contact Carlos Kuri
Contact Dane Pearson
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
Article Image
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
Article Image
Ready to start a conversation? Contact The KP Group today.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Investors 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.
7Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
8Morgan 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
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Investors 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.
7Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
8Morgan 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
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
CRC 6491812 (04/2024)
