Mark D Kistler
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(717) 519-4941(717) 519-4941
The Lancaster Legacy Group at Morgan Stanley
Direct:
(717) 519-4948(717) 519-4948
Toll-Free:
(800) 873-0990(800) 873-0990
Our Mission Statement
Delivering high quality experience, intellectual capital and dedicated personal service to help meet your life goals. Our team provides financial and investment management services, educating each client to give you and your family the Legacy you deserve.
The Value of Advice
Our goal is to thoroughly understand your financial needs and then align the resources to help you meet or exceed them. We can help you evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, assist you in developing and executing a strategy that is precisely your own and helps you meet your needs.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Personalized Approach
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your need. We explore ways we may help you reach financial success. In our experience working with clients, we have developed a step-by-step approach to service.
1. Information Gathering
Our relationship begins with learning more about you. We take the time to fully understand you and your family by evaluating financial needs and investment preferences. We consider all of your challenges, goals, and aspirations when building your financial picture.
2. Goal Based Planning
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success. Our strategy incorporates your investment objectives, timeline, cash requirements and risk tolerance.
3. Implementation
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
4. Performance Check-In
Our team creates a personalized agenda for each meeting. We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Financial Planning Analysis
To begin your complementary financial planning analysis, please click the link below.
Financial Planning Questionnaire
Birth of a Child
Welcoming a child into the family is a joyous occasion for everyone. As your Financial Advisor we understand our critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.
Learn More About Giving to Minors
Education
Education is a major investment and expense—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for their particular situations.
Learn More About 529 Plans
Marriage
There are few events more exciting than when you decide to align your life with the person you love. One of the most important conversation before tying the knot is money—how you'll make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). Our team can play an important role in helping you plan for these milestones.
Learn More About Talking Money With Your Spouse
Divorce
Divorcing a spouse can be a difficult ordeal, with repercussions to your emotional and financial well-being. Although divorce is seldom easy, our team can help you prepare for it, which will help you feel more in control and better equipped to make informed, confident decisions about your financial futures. We will help you regain your footing and move forward with confidence in your new life.
Learn More About Talking Control of Your Finances
Retirement
Time can be one of the most powerful tools in a retirement savings plan, allowing you to potentially build a healthy nest egg even if, when starting out, you are only able to save small amounts. Over time, the effects of compounding coupled with consistent contributions to a retirement account can help turn even small deposits into a significant balance.
Learn More About Retirement Planning
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of your estate. Though it may be hard to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and minimizing family conflict or confusion.
Learn More About Estate PlanningInvestor Resources
Financial Literacy Guide
It’s never too early-or too late -to start improving your financial literacy. A great first step is covering the basics.
Financial Literacy for Any Stage of Your Life
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Portfolio Risk Platform
Our sophisticated platform helps you and your Financial Advisor understand risks, hypothetically stress test your portfolio, and consider portfolio changes that seek
more attractive opportunities.
Learn More About The Toolmore attractive opportunities.
401(k)
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Learn More About 401(k) Strategies
Select UMA
Morgan Stanley’s Select UMA program is a unified managed account that allows you and your Financial Advisor to leverage the firm’s expertise at each stage of the Consulting Group’s investment process.
Introducing Select UMA®
Secure 2.0 Act
Congress recently passed the SECURE 2.0 Act of 2022, which was signed into law on December 29, 2022. SECURE 2.0 is a significant piece of retirement legislation that is intended to make it easier for businesses to offer retirement plans and for individuals to save for retirement
Fact SheetTeam Updates, Awards, & Upcoming Firm Events
A virtual series of intimate conversations on leadership, each from a unique perspective. Join us to hear these industry giants discuss their personal journeys towards leadership and success.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded January 2025). This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period 3/31/23–3/31/24.
View Complete RankingsLocation
300 Granite Run Dr
Ste 300
Lancaster, PA 17601
US
Direct:
(717) 519-4948(717) 519-4948
Toll-Free:
(800) 873-0990(800) 873-0990
Meet The Lancaster Legacy Group
Senior Vice President, Financial Advisor, Financial Planning Specialist, Insurance Planning Director, Family Wealth Advisor
Phone:
(717) 519-4942(717) 519-4942
Brenda L Perrotti
First Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(717) 519-4940(717) 519-4940
Phone:
(717) 519-3214(717) 519-3214
Phone:
(717) 519-3213(717) 519-3213
Cheryl L Hartman
Portfolio Associate
Phone:
(717) 519-4948(717) 519-4948
Jenn Thompson
Client Service Associate
Phone:
(717) 519-3222(717) 519-3222
About Mark D Kistler
Mark D. Kistler is a Senior Vice President and Financial Planning Specialist with over 27 years combined at Morgan Stanley and previous firms in the financial services field. A seasoned professional, Mark has been providing customized financial planning and wealth management to individuals and businesses throughout Lancaster County and across the United States since 1994. Mark believes that it all starts with a solid financial plan and client relationship focused on achieving each client’s unique goals.
A native of Lancaster, PA, Mark has been married for more than 21 years (Katrina) with two wonderful sons (Cameron & Brady). He got his degree in Marketing from Indiana University of Pennsylvania and came back home to start a career and family. Mark enjoys all kinds of sports and has coached several teams in various sports throughout his time of raising boys.
A native of Lancaster, PA, Mark has been married for more than 21 years (Katrina) with two wonderful sons (Cameron & Brady). He got his degree in Marketing from Indiana University of Pennsylvania and came back home to start a career and family. Mark enjoys all kinds of sports and has coached several teams in various sports throughout his time of raising boys.
Securities Agent: WV, GA, AK, AZ, CA, CO, DE, FL, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MO, MT, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1278912
NMLS#: 1278912
About Lori A Hagy
With a combined 37 years of experience in finance and wealth advising and 37 years a Registered Representative, Lori Hagy seeks to understand her clients broadly and deeply to find the opportunities that add value not only to their financial objectives but also to their life aspirations. Lori takes time to determine what’s really important and develop actionable, flexible strategies designed to help her clients meet their financial needs. She designs socially responsible investing portfolios for those who want to truly align their values with their investments.
Striving to fully understand and uncover clients' needs has led to Lori's continued education as a Morgan Stanley Financial Planning Specialist, Family Wealth Advisor and Insurance Planning Director. Lori was named to the 2021, 2022, 2023, 2024, and 2025 Forbes America's Top Women Wealth Advisors. Lori's practice is built on a foundation of providing highly customized investment advice and financial counsel. As a Financial Planning Specialist, Lori works with clients to develop strategies and plans to manage their personal and business finances.
A native of Denver, Pennsylvania, Lori has been married for 37 years, has two adult sons & three grandchildren. She enjoys spending time with her family as well as hiking, running, skiing, yoga, mountain and road biking, traveling, scuba diving, weight lifting, HIIT, cooking and Obstacle Course Racing.
2021-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Striving to fully understand and uncover clients' needs has led to Lori's continued education as a Morgan Stanley Financial Planning Specialist, Family Wealth Advisor and Insurance Planning Director. Lori was named to the 2021, 2022, 2023, 2024, and 2025 Forbes America's Top Women Wealth Advisors. Lori's practice is built on a foundation of providing highly customized investment advice and financial counsel. As a Financial Planning Specialist, Lori works with clients to develop strategies and plans to manage their personal and business finances.
A native of Denver, Pennsylvania, Lori has been married for 37 years, has two adult sons & three grandchildren. She enjoys spending time with her family as well as hiking, running, skiing, yoga, mountain and road biking, traveling, scuba diving, weight lifting, HIIT, cooking and Obstacle Course Racing.
2021-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Securities Agent: AK, AZ, CA, CO, DE, FL, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA, WI, WV, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1275769
NMLS#: 1275769
About Brenda L Perrotti
As a fully licensed investment professional for 29 years, Brenda focuses on understanding the financial needs of her clients by carefully listening to their long-term goals, values, and lifetime aspirations.
After working 8 years in the human resources field, Brenda completed her degree at Alaska Pacific University in 1992. She and her family relocated to Lancaster County, Pennsylvania and she began her career in the financial industry.
Brenda is firmly committed to being a financial advisor who will share her client’s vision, earn their trust and work diligently to help them attain the life they desire for themselves and their family. She works to achieve this by concentrating on investment objectives, proper asset allocation, and diversification within each individually designed portfolio. She enjoys educating individuals to help them make well-informed decisions. She measures her success by the strength and longevity of her client relationships.
Brenda, along with her husband Mike, resides in Ephrata. Together their hobbies include walking the beaches of Delaware and enjoying auctions and flea markets to find treasures. She is proud of her two adult daughters, one who lives close by and the other residing in Seattle. She enjoys the challenge of her financial career and continues to strive for the perfect balance to achieve the very best quality of life.
Asset Allocation and diversification do not guarantee a profit or protect against loss in a declining financial market.
After working 8 years in the human resources field, Brenda completed her degree at Alaska Pacific University in 1992. She and her family relocated to Lancaster County, Pennsylvania and she began her career in the financial industry.
Brenda is firmly committed to being a financial advisor who will share her client’s vision, earn their trust and work diligently to help them attain the life they desire for themselves and their family. She works to achieve this by concentrating on investment objectives, proper asset allocation, and diversification within each individually designed portfolio. She enjoys educating individuals to help them make well-informed decisions. She measures her success by the strength and longevity of her client relationships.
Brenda, along with her husband Mike, resides in Ephrata. Together their hobbies include walking the beaches of Delaware and enjoying auctions and flea markets to find treasures. She is proud of her two adult daughters, one who lives close by and the other residing in Seattle. She enjoys the challenge of her financial career and continues to strive for the perfect balance to achieve the very best quality of life.
Asset Allocation and diversification do not guarantee a profit or protect against loss in a declining financial market.
Securities Agent: ME, CA, WA, SC, FL, AZ, PA, NM, MS, OR, NC, MA, DE, NY, IA, WV, WI, VA, OH, GA, AK, MD, UT, TX, IL, NJ, NH, MI, IN, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262122
NMLS#: 1262122
About Trent Crider
Trent Crider graduated from Liberty University with a Bachelor of Arts degree in Finance and Economics. He then joined Morgan Stanley through the Financial Advisor Associate program in 2020, then moved to New York City to work for Morgan Stanley in June 2022. Trent has worked in the finance world since 2017 and spent time building a practice from the ground up. While building a career in finance, he simultaneously built a successful company within the fitness equipment industry and is always looking outside the box for entrepreneurial opportunities.
Trent’s work experience has allowed him to sharpen his skills in client management, sales, social media strategy, entrepreneur mindset, digital organization, and team building. Trent’s ambitions have always been to have a pivotal role within a wealth management team and to be extremely efficient at growing a healthy book of business.
Born and raised in Lancaster, Pennsylvania, Trent spends most of his time outside of work brainstorming new home projects, motorcycle riding, working out, and hiking.
NMLS# 2665980
Trent’s work experience has allowed him to sharpen his skills in client management, sales, social media strategy, entrepreneur mindset, digital organization, and team building. Trent’s ambitions have always been to have a pivotal role within a wealth management team and to be extremely efficient at growing a healthy book of business.
Born and raised in Lancaster, Pennsylvania, Trent spends most of his time outside of work brainstorming new home projects, motorcycle riding, working out, and hiking.
NMLS# 2665980
Securities Agent: NM, IL, DE, CT, TX, NJ, NE, MI, MD, IA, MA, AL, AK, WI, PA, OK, NC, MO, KY, IN, AZ, VA, NV, ME, ID, CA, RI, OH, MT, KS, HI, FL, SC, PR, OR, LA, GA, DC, CO, WY, VT, MN, AR, WV, SD, NH, ND, WA, VI, UT, MS, TN, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2665980
NMLS#: 2665980
About Cameron Kistler
Securities Agent: KS, AK, WA, VI, TX, NH, CT, AL, UT, OR, MN, MI, ME, KY, HI, CA, WY, SC, IN, DE, AR, NJ, MD, MT, MS, DC, AZ, VA, TN, SD, NY, MA, GA, CO, WV, WI, OK, NV, NC, FL, VT, RI, PR, NE, IL, ID, PA, LA, IA, OH, NM, ND, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2684030
NMLS#: 2684030
About Cheryl L Hartman
Cheryl began her career in the financial industry in 1987 working for Shearson Lehman Brothers in the client service area. In 1995, she took a hiatus to raise her three daughters. She returned to Morgan Stanley in 2008 as a Senior Operations Specialist and resumed a client service role in 2010. In 2018, she obtained her security licenses and was awarded Portfolio Associate designation.
With years of experience, Cheryl focuses on assisting clients with all account servicing needs and strives to provide prompt and comprehensive solutions. She also provides personal and detailed attention to help ensure their financial goals are met.
Cheryl attained her degree in Merchandising from Widener University. She is a native to Lancaster County and lives in Landisville with her husband, Jeff. They have three daughters who all live in the surrounding area. In her spare time, Cheryl enjoys spending time with her family at her mountain cabin, gardening, reading, and walking her Golden Retriever, Tucker.
With years of experience, Cheryl focuses on assisting clients with all account servicing needs and strives to provide prompt and comprehensive solutions. She also provides personal and detailed attention to help ensure their financial goals are met.
Cheryl attained her degree in Merchandising from Widener University. She is a native to Lancaster County and lives in Landisville with her husband, Jeff. They have three daughters who all live in the surrounding area. In her spare time, Cheryl enjoys spending time with her family at her mountain cabin, gardening, reading, and walking her Golden Retriever, Tucker.
Contact Mark D Kistler
Contact Lori A Hagy
Contact Brenda L Perrotti
Contact Trent Crider
Contact Cameron Kistler
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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- 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
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- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Lancaster Legacy Group today.
1When 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.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors 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.
8Annuities 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
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors 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.
8Annuities 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)
