Executive Director, Financial Advisor, Global Sports and Entertainment Director, Portfolio Management Director, NFLPA Registered Institutional Player Financial Advisor, Lending Specialist
Phone:
(336) 721-9203(336) 721-9203
The Leak-Guelbert Group at Morgan Stanley
Direct:
(336) 721-4927(336) 721-4927
Toll-Free:
(800) 334-4401(800) 334-4401
Our Mission Statement
We work hard every day for your financial future!
Welcome
The strength of The Leak-Guelbert Group at Morgan Stanley is a tight knit team of experienced financial professionals with a diverse set of skills, knowledge and insights. We are committed to helping clients navigate the distractions of today’s challenging markets, by building and managing a comprehensive wealth management plan. The plan involves all aspects of their financial affairs – investments, insurance, lending, estate planning strategies, legacy planning – combining the global resources of Morgan Stanley with the intimate relationship you expect from a small investment boutique. Most importantly, we are passionately committed to educating you about important wealth management strategies to help enhance and preserve your hard-earned assets.
We at The Leak-Guelbert Group are proud of the highest standard of care we consistently deliver to our clients. The cornerstones of our strong heritage in the financial services industry are our goal-based approach to wealth management and our commitment to getting to know our clients on a deep personal level. We welcome the opportunity to deliver this same level of excellence to you and your family and look forward to speaking with you soon.
We at The Leak-Guelbert Group are proud of the highest standard of care we consistently deliver to our clients. The cornerstones of our strong heritage in the financial services industry are our goal-based approach to wealth management and our commitment to getting to know our clients on a deep personal level. We welcome the opportunity to deliver this same level of excellence to you and your family and look forward to speaking with you soon.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- Alternative InvestmentsFootnote3
- AnnuitiesFootnote4
- Asset Management
- Cash ManagementFootnote5
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Lending Products
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Retirement PlanningFootnote11
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process: Focused on You
Our clients are much more than a portfolio of assets – they are families with active lives, who want an advisor who will provide them with thorough, unbiased, and carefully considered guidance on a full range of financial topics. When you work with me, you will be treated with respect, care, confidentiality, and given unwavering commitment to you and your family.
We work with a broad range of clients who need professional guidance from managing life-changing events and retirement planning to financing major acquisitions and achieving philanthropic goals. While all clients have unique personal and professional circumstances, they have one thing in common, securing and maintaining a solid financial future for themselves and for their families.
We use a disciplined five-step consulting process to uncover your most important goals, so that we may design and implement appropriate solutions to help plan for your future.
We work with a broad range of clients who need professional guidance from managing life-changing events and retirement planning to financing major acquisitions and achieving philanthropic goals. While all clients have unique personal and professional circumstances, they have one thing in common, securing and maintaining a solid financial future for themselves and for their families.
We use a disciplined five-step consulting process to uncover your most important goals, so that we may design and implement appropriate solutions to help plan for your future.
ESTABLISH GOALS AND OBJECTIVES
- Discuss what is important for you, your family, and your legacy.
- Identify circumstances unique to your personal situation.
- Provide an overview of important investment concepts and our investment philosophy as it pertains to your objectives.
- Identify circumstances unique to your personal situation.
- Provide an overview of important investment concepts and our investment philosophy as it pertains to your objectives.
ASSESS YOUR FINANCES
- Gather important data, documents and financial statements.
- Review your personal, and if applicable, business balance sheet.
- Analyze your current asset allocation strategy and provide feedback.
- Discuss our draft(s) of your financial plan, leveraging proprietary Morgan Stanley data and insights.
- Review your personal, and if applicable, business balance sheet.
- Analyze your current asset allocation strategy and provide feedback.
- Discuss our draft(s) of your financial plan, leveraging proprietary Morgan Stanley data and insights.
DEVELOP STRATEGY
- Incorporate lending, tax, estate planning, and insurance strategies where applicable.
- Present our recommendations along with key action steps.
- Coordinate strategies with your other advisors, including attorneys, accountants, bookkeepers, and insurance professionals.
- Present our recommendations along with key action steps.
- Coordinate strategies with your other advisors, including attorneys, accountants, bookkeepers, and insurance professionals.
IMPLEMENT
- Position investment accounts to align them with your goals and objectives.
- Provide ongoing updates to ensure your plan is implemented as expected.
- Provide ongoing updates to ensure your plan is implemented as expected.
ONGOING SERVICE AND REVIEWS
- Schedule regular calls and meetings to discuss progress towards your goals and review portfolio performance and results.
- Make adjustments to strategy based on changing goals, circumstances, and market conditions and investment performance.
- Make adjustments to strategy based on changing goals, circumstances, and market conditions and investment performance.
Experience That Matters
With more than 80 years of combined experience, the Leak-Guelbert Group has made it a mission to provide the best service to our clients. By patiently listening to your goals, concerns, dreams and aspirations, we focus our efforts through a diverse set of skills, knowledge and experiences to help you find the success and achieve the most out of life. Check out some of the ways we have advanced our skillsets over time to better service our clients.
Global Sports & Entertainment Director (“GSE”)
Morgan Stanley Global Sports & Entertainment (“GSE”) is a highly distinctive wealth management division of Morgan Stanley, dedicated to serving the unique and complex needs of athletes, entertainers, creators and top professionals in the sports and entertainment industry. This is delivered through a network of Financial Advisors (“FAs”) who are selected and designated based on experience, training and completion of requirements.
Chris Leak will have access to customized resources and programs, including asset and liability management, philanthropic and lifestyle advisory services, family governance and financial planning and insurance.
Chris Leak will have access to customized resources and programs, including asset and liability management, philanthropic and lifestyle advisory services, family governance and financial planning and insurance.
Morgan Stanley's Digital Offerings
The Leak-Guelbert Group believes 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.
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
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.
Contact the Yates-Leak Group at Morgan Stanley to start the conversation.
Learn More About GPSContact the Yates-Leak Group at Morgan Stanley to start the conversation.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital VaultThe Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
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 Our 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.
Explore Exclusive Perks & Insights Available to Our Clients
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Contact the Leak-Guelbert Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Contact the Leak-Guelbert Group at Morgan Stanley to learn more about how you can enroll for the Reserved Living & Giving program.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Browse The Latest Reserved Offers
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Browse the Latest Reserved Insights
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
Signature Access Login
Meet the Global Investment Committee
The Global Investment Committee is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients. They continually monitor developing economic and market conditions, review tactical outlooks and recommend asset allocation weightings, as well as produce a suite of strategy, research, analysis, commentary, and other reports and broadcasts.
Meet the Global Investment Committee
Justin Rose and Morgan Stanley a Winning Team
Every golfer could always use a little more consistency. In this video Justin Rose shares a few of his own tricks on how to stay consistent.
Learn How To Be More Consistent
Morgan Stanley
Uncover the history of Morgan Stanley. Learn about the people and events that have shaped the company over the last 85 years.
Location
100 N Main St
Suite 2500
Winston Salem, NC 27101
US
Direct:
(336) 721-4927(336) 721-4927
Toll-Free:
(800) 334-4401(800) 334-4401
Meet The Leak-Guelbert Group
Shannon Guelbert
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(336) 721-4910(336) 721-4910
Crystal Lambert
Wealth Management Associate, Financial Planning Associate
Phone:
(336) 721-4927(336) 721-4927
Tiffany Walker
Client Service Associate
Phone:
(336) 721-4933(336) 721-4933
About Christopher Leak
Chris Leak is a Executive Director and Financial Advisor with Morgan Stanley. Over the past 21 years, he has developed an area of focus, working with families, retires and with clients in the sports and entertainment industry. In 2024 Chris has been named to the Firm’s prestigious President’s Club, an elite group composed of the Firm’s top Financial Advisors. The appointment recognizes Chris’ consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients. Chris has earned the title of Lending Specialist. As a Morgan Stanley designated Lending Specialist, he has completed training designed to better assist clients evaluate their liquidity needs as part of their larger financial goals. In addition Chris is recognized and designated by Morgan Stanley as a “Global Sports and Entertainment Director.” The Global Sports and Entertainment Division at Morgan Stanley exists to demonstrate deep understanding of athletes and entertainers in virtually all phases of career and life. Directors of this group are allowed to deliver a suite of tailor-made solutions for Global Sports and Entertainment (GSE) clients. Chris is also an NFLPA Registered Institutional Financial Advisor. Chris also has earned the Family Wealth Advisor designation. The FWA designation is granted to Financial Advisors who have successfully completed an accreditation program focused on the skills needed to help families communicate about money and values, share their goals and help grow and preserve wealth across generations.. Formerly a Vice President with Bank of America, Chris concentrated exclusively in the Professional and Executive Division, delivering personal attention, guidance, custom-tailored banking, credit, investment solutions and day-to-day transaction services to affluent clients. Chris graduated from Wake Forest University’s School of Business and Accountancy, receiving his Bachelor of Science in Business Administration & Accounting.
Chris serves on the following local boards: City of Winston-Salem Planning Board, Winston-Salem Symphony NC Black Repertory Company, Big Brothers Big Sisters of Forsyth County, The International Black Theatre Festival Fund Raising Committee, Wake Forest University Board of Visitors, the Deacon Club Board at Wake Forest University and is a lifetime active member of Alpha Phi Alpha Fraternity, Inc. Previously he served on the Forsyth Technical Community College Board and Samaritan Ministries.
Chris serves on the following local boards: City of Winston-Salem Planning Board, Winston-Salem Symphony NC Black Repertory Company, Big Brothers Big Sisters of Forsyth County, The International Black Theatre Festival Fund Raising Committee, Wake Forest University Board of Visitors, the Deacon Club Board at Wake Forest University and is a lifetime active member of Alpha Phi Alpha Fraternity, Inc. Previously he served on the Forsyth Technical Community College Board and Samaritan Ministries.
Securities Agent: SC, NJ, MD, UT, LA, IA, AR, TN, NV, KS, IN, CO, MI, KY, TX, OH, MA, WV, WI, VA, PA, NC, IL, FL, MO, DE, ND, DC, NE, NY, CA, AZ, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1252924
NMLS#: 1252924
About Shannon Guelbert
Shannon Guelbert is a Senior Vice President and Financial Advisor. He joined Morgan Stanley in 2013 after 8 years of financial services experience in New York City. Shannon has been recognized for exemplary performance and client service with membership in the firm’s Pacesetter’s Club.
Shannon has loved investing and studying the financial markets since he was in middle school, and finds his work as a financial advisor to be rewarding. Shannon believes that every client is different, and he employs a systematic wealth management process to develop actionable plans tailored to each situation. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies.
Shannon is a CPA (non-practicing at Morgan Stanley). He began his career at KPMG in their New York Financial Services Audit practice. After KPMG, Shannon was a Controller at Old Lane, a hedge fund and private equity fund. Shannon also worked as a Vice President for Swiss Re in their Asset Management Group.
Shannon graduated with honors from the University of Kansas Graduate School of Business and he received his Bachelor of Science in Business Administration & Accounting from the University of Kansas. Shannon was designated a Crimson and Blue Geographical Scholar, a Hall Family Foundation Scholar, and was also a member of the Sigma Chi Fraternity.
He is married and has two young children. Shannon enjoys playing sports, golf, travel and spending time with his family.
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Shannon has loved investing and studying the financial markets since he was in middle school, and finds his work as a financial advisor to be rewarding. Shannon believes that every client is different, and he employs a systematic wealth management process to develop actionable plans tailored to each situation. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies.
Shannon is a CPA (non-practicing at Morgan Stanley). He began his career at KPMG in their New York Financial Services Audit practice. After KPMG, Shannon was a Controller at Old Lane, a hedge fund and private equity fund. Shannon also worked as a Vice President for Swiss Re in their Asset Management Group.
Shannon graduated with honors from the University of Kansas Graduate School of Business and he received his Bachelor of Science in Business Administration & Accounting from the University of Kansas. Shannon was designated a Crimson and Blue Geographical Scholar, a Hall Family Foundation Scholar, and was also a member of the Sigma Chi Fraternity.
He is married and has two young children. Shannon enjoys playing sports, golf, travel and spending time with his family.
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Securities Agent: SC, NV, TX, TN, ND, MA, KY, CO, CA, VA, WI, NY, NE, NC, LA, KS, IA, MO, MI, MD, IL, DC, DE, OH, AZ, AR, NJ, GA, FL, WV, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1312844
NMLS#: 1312844
About Crystal Lambert
Crystal Lambert is a Wealth Management Associate and Financial Planning Associate with The Leak-Guelbert Group at Morgan Stanley.
Her responsibilities include being the liaison for clients and managing all day-to-day operational needs. She has over 35 years of experience in the financial services industry and has been with Morgan Stanley since 1997.
With a strong background as both an administrator and a client-centric associate, Crystal has extensive knowledge and understanding of the financial industry that greatly benefits clients and the team as a whole.
Her responsibilities include being the liaison for clients and managing all day-to-day operational needs. She has over 35 years of experience in the financial services industry and has been with Morgan Stanley since 1997.
With a strong background as both an administrator and a client-centric associate, Crystal has extensive knowledge and understanding of the financial industry that greatly benefits clients and the team as a whole.
About Tiffany Walker
Tiffany Walker is a Client Service Associate with The Leak-Guelbert Group at Morgan Stanley. As Director of Client Experience, she manages the overall experience clients have with our team, as well as Morgan Stanley as a whole, ensuring we meet or exceed client expectations. This includes, but is not limited to, managing client relationships, gathering feedback, implementing improvements, and aligning strategies to help enhance reliability and satisfaction. She received her undergraduate degree from CUNY Brooklyn College, where she started her professional career in higher education in the office of financial aid. Her strong desire to help others and a passion for education, led to a 15 –year career in the field. After she received her graduate degree, from Liberty University in Counseling and Community Care, Tiffany began employment at Fayetteville Technical Community College as a Success Coach, responsible for onboarding first time in college students to ensure their academic success. After some time at FTCC, she decided to make a career change for the betterment of her family; leading her to Morgan Stanley. She is pleased to be employed by a company that holds a pronounced reputation and is making great strides in its diversity and inclusion efforts.
Contact Christopher Leak
Contact Shannon Guelbert
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
Kristina Shifflett
Private Banker
About Kristina Shifflett
Kristina Shifflett is a Private Banker serving Morgan Stanley Wealth Management offices in North Carolina and Virginia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
NMLS#: 1709833
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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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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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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Leak-Guelbert Group today.
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.
5Morgan 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
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, 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 and other legal matters.
8Morgan 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.
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.
11When 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.
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
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.
5Morgan 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
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, 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 and other legal matters.
8Morgan 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.
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.
11When 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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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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), 3582895 (6/2024)
