James K Miller, CFP®
Senior Vice President, Financial Advisor, Family Wealth Advisor, Senior Portfolio Management Director, Insurance Planning Director
Phone:
(502) 394-4086(502) 394-4086
The Liberty Group at Morgan Stanley
Direct:
(502) 394-4086(502) 394-4086
Toll-Free:
(800) 966-4617(800) 966-4617
Our Mission Statement
To enhance the lives of our clients through personal service, trustworthy advice and quality investment management
About Us
The Liberty Group is a tightly-knit team of four seasoned professionals with a complementary set of skills, knowledge and experience. Together, we provide highly customized advice and comprehensive wealth management services to financially successful families across the country. We work diligently to deliver exceptional service, objective guidance and results-driven strategies.
Services Include
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- Asset Management
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Lending Products
- LGBT+ Planning ServicesFootnote5
- Philanthropic Services
- Planning for Education FundingFootnote6
- Retirement PlanningFootnote7
- Trust Services*
- Stock Plan ServicesFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
As a multigenerational team serving multigenerational families, we focus on building longstanding relationships and are proud of the fact that many of our clients have been with us for more than 15 years. We are honored to work with their children and grandchildren.
Over the years, we have developed a strong understanding of economics and are well versed in the equity and fixed income markets. We have cultivated comprehensive skills in investment management, retirement planning and philanthropic services. Most importantly, we take pride in our ability to effectively communicate advanced concepts, putting them into action to help our clients achieve their goals and aspirations.
As our relationship evolves over time, we hope you’ll come to regard us as trusted stewards of your wealth, here to help you make informed decisions on any financial challenge you face. We are dedicated to helping you execute and refine your customized strategy to reflect new priorities, while aligning it with your financial goals and established values.
Over the years, we have developed a strong understanding of economics and are well versed in the equity and fixed income markets. We have cultivated comprehensive skills in investment management, retirement planning and philanthropic services. Most importantly, we take pride in our ability to effectively communicate advanced concepts, putting them into action to help our clients achieve their goals and aspirations.
As our relationship evolves over time, we hope you’ll come to regard us as trusted stewards of your wealth, here to help you make informed decisions on any financial challenge you face. We are dedicated to helping you execute and refine your customized strategy to reflect new priorities, while aligning it with your financial goals and established values.
Working With You
At the Liberty Group, our commitment for our clients and their success is the cornerstone of our practice. We come to work every day engaged in making a difference in their lives. To that end, we are focused on the following core values that underscore our commitment to an exceptional client experience:
- Every decision we make will be focused on doing the right thing for you. We simplify your financial life, offering the best solutions for your
consideration with unbiased, objective advice.
- We provide comprehensive solutions for all of your financial needs and strive to be a trusted resource for any financial or life decision.
- Believing you are entitled to the best advice possible, we have assembled a group of highly skilled professionals whose number one priority is you.
To gain the precise knowledge needed to effectively manage all aspects of your wealth, we work in tandem with your accountant and estate
planning attorney.
- We focus on building deep and longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals,
families and institutions. This enables us to dedicate the time, attention and personalized service each deserves.
Your satisfaction in our priority. When it comes to service, we go above and beyond. No matter how simple or how complex your needs, we are always here to help.
- Every decision we make will be focused on doing the right thing for you. We simplify your financial life, offering the best solutions for your
consideration with unbiased, objective advice.
- We provide comprehensive solutions for all of your financial needs and strive to be a trusted resource for any financial or life decision.
- Believing you are entitled to the best advice possible, we have assembled a group of highly skilled professionals whose number one priority is you.
To gain the precise knowledge needed to effectively manage all aspects of your wealth, we work in tandem with your accountant and estate
planning attorney.
- We focus on building deep and longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals,
families and institutions. This enables us to dedicate the time, attention and personalized service each deserves.
Your satisfaction in our priority. When it comes to service, we go above and beyond. No matter how simple or how complex your needs, we are always here to help.
Our Clients
We provide comprehensive wealth management services to individuals and families whose primary goals include:
- Managing a life-changing event with confidence, such as the transition to retirement, sale of a business, the loss of a spouse or receiving an
inheritance
- Serving future generations and leaving a lasting legacy
-Managing taxes through advanced asset management strategies
- Achieving long-term charitable and philanthropic goals
- Financing a major acquisition, including the purchase of a second home or helping family members with the purchase of a new home
Our clients include:
- Business owners and entrepreneurs
- Financially-independent individuals
- Multi-generational families
- Professionals, including doctors, lawyers and corporate executives
- Retirees and individuals planning for retirement
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, so they may secure their family’s financial future and pursue their personal passions.
- Managing a life-changing event with confidence, such as the transition to retirement, sale of a business, the loss of a spouse or receiving an
inheritance
- Serving future generations and leaving a lasting legacy
-Managing taxes through advanced asset management strategies
- Achieving long-term charitable and philanthropic goals
- Financing a major acquisition, including the purchase of a second home or helping family members with the purchase of a new home
Our clients include:
- Business owners and entrepreneurs
- Financially-independent individuals
- Multi-generational families
- Professionals, including doctors, lawyers and corporate executives
- Retirees and individuals planning for retirement
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, so they may secure their family’s financial future and pursue their personal passions.
Community Involvement
At The Liberty Group at Morgan Stanley, our commitment to helping clients achieve their financial goals and aspirations is equaled only by our dedication to family and our local communities.
Through a variety of collaborative efforts, we are deeply engaged in creating a better and brighter future for our communities. Our relationship with various organizations supports important initiatives and causes, ranging from human rights and healthcare to athletics and the arts.
Collectively and individually, our team serves a number of vital organizations that include:
- The Fairness Campaign in Louisville
- The Catholic School Athletic Association of Louisville
- The Jewish Hospital and St. Mary’s Healthcare Foundation
- The Louisville Orchestra
- Speed Art Museum
Morgan Stanley’s culture of global citizenship is something we embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society. We are proud to be members of the Morgan Stanley family and carry on the firm’s 80+ year tradition.
Through a variety of collaborative efforts, we are deeply engaged in creating a better and brighter future for our communities. Our relationship with various organizations supports important initiatives and causes, ranging from human rights and healthcare to athletics and the arts.
Collectively and individually, our team serves a number of vital organizations that include:
- The Fairness Campaign in Louisville
- The Catholic School Athletic Association of Louisville
- The Jewish Hospital and St. Mary’s Healthcare Foundation
- The Louisville Orchestra
- Speed Art Museum
Morgan Stanley’s culture of global citizenship is something we embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society. We are proud to be members of the Morgan Stanley family and carry on the firm’s 80+ year tradition.
Location
4969 US Highway 42
Suite 1200
Louisville, KY 40222
US
Direct:
(502) 394-4086(502) 394-4086
Toll-Free:
(800) 966-4617(800) 966-4617
Meet The Liberty Group
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Workplace Advisor - Equity Compensation, Financial Planning Specialist, Lending Specialist
Phone:
(502) 394-4087(502) 394-4087
Don Kohler
Vice President, Wealth Management Associate
Phone:
(502) 394-4085(502) 394-4085
Tess Montgomery
Portfolio Associate
Phone:
(502) 394-4084(502) 394-4084
About James K Miller
James K. Miller, CFP, ADPA
Senior Vice President – Wealth Management
Family Wealth Advisor | Senior Portfolio Management Director
Insurance Planning Director
Financial Advisor
Jim has a unique combination of professional experience as an attorney (currently non-practicing), Family Wealth Advisor and Portfolio Management Director at Morgan Stanley. His depth of knowledge provides him with a diverse set of skills and experiences to advise his clients in achieving their specific financial goals.
Throughout his career, Jim has been committed to continuing education. In 2012, Jim earned his Accredited Domestic Partnership Advisor (ADPA) certification. He furthered his professional experience by earning his CERTIFIED FINANCIAL PLANNER designation in 2015. A graduate of the University of Dayton, where he earned a B.S. degree in Criminal Justice and a B.A. degree in Political Science, Jim achieved his J.D. from the Brandeis School of Law at the University of Louisville and is a member of the Kentucky Bar Association.
Jim’s mission is to guide his clients on the growth and preservation of their assets. His disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a custom strategy that reflects their lifestyle needs. Jim takes pride in being a strong advocate for his clients, helping them make important decisions towards establishing a comfortable retirement and lasting legacy.
Jim is an avid golfer and enjoys live music. He and his wife, Brooke, currently live in Prospect with their two children, Graham and Lindy.
2018, 2019, 2020, 2021, 2022 & 2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022 & 2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of the year prior to the issuance of the award.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Senior Vice President – Wealth Management
Family Wealth Advisor | Senior Portfolio Management Director
Insurance Planning Director
Financial Advisor
Jim has a unique combination of professional experience as an attorney (currently non-practicing), Family Wealth Advisor and Portfolio Management Director at Morgan Stanley. His depth of knowledge provides him with a diverse set of skills and experiences to advise his clients in achieving their specific financial goals.
Throughout his career, Jim has been committed to continuing education. In 2012, Jim earned his Accredited Domestic Partnership Advisor (ADPA) certification. He furthered his professional experience by earning his CERTIFIED FINANCIAL PLANNER designation in 2015. A graduate of the University of Dayton, where he earned a B.S. degree in Criminal Justice and a B.A. degree in Political Science, Jim achieved his J.D. from the Brandeis School of Law at the University of Louisville and is a member of the Kentucky Bar Association.
Jim’s mission is to guide his clients on the growth and preservation of their assets. His disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a custom strategy that reflects their lifestyle needs. Jim takes pride in being a strong advocate for his clients, helping them make important decisions towards establishing a comfortable retirement and lasting legacy.
Jim is an avid golfer and enjoys live music. He and his wife, Brooke, currently live in Prospect with their two children, Graham and Lindy.
2018, 2019, 2020, 2021, 2022 & 2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022 & 2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of the year prior to the issuance of the award.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Securities Agent: MD, WI, TX, SC, OH, VA, PA, NC, NY, NV, KY, IL, IN, FL, CA, MI, DE, TN, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282448
NMLS#: 1282448
About Graham Switzer
Graham Switzer
Associate Vie President - Wealth Management
Senior Portfolio Manager
Financial Planning Specialist
Lending Specialist
Workplace Advisor – Equity Compensation
Financial Advisor
A native of Louisville, Graham joined The Liberty Group in 2015 as a Financial Advisor. He works closely with Jim and the other members of the team to enhance existing client relationships and build new business opportunities through social media and other marketing activities.
Graham is a proud graduate of The University of Kentucky where he earned a B.S. degree in Accounting. Prior to joining Morgan Stanley, Graham was a Senior Associate within KPMG’s audit practice for five years where he worked directly with public companies in providing them with tailored financial statement reviews, as well as industry insights and valuable perspectives on relevant business issues. Graham holds the FINRA series 7 and 66 registrations.
A member of the Young Professionals Association of Louisville and the University of Kentucky Young Alumni Association, Graham enjoys golf, traveling and spending time with family and friends in his free time.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Associate Vie President - Wealth Management
Senior Portfolio Manager
Financial Planning Specialist
Lending Specialist
Workplace Advisor – Equity Compensation
Financial Advisor
A native of Louisville, Graham joined The Liberty Group in 2015 as a Financial Advisor. He works closely with Jim and the other members of the team to enhance existing client relationships and build new business opportunities through social media and other marketing activities.
Graham is a proud graduate of The University of Kentucky where he earned a B.S. degree in Accounting. Prior to joining Morgan Stanley, Graham was a Senior Associate within KPMG’s audit practice for five years where he worked directly with public companies in providing them with tailored financial statement reviews, as well as industry insights and valuable perspectives on relevant business issues. Graham holds the FINRA series 7 and 66 registrations.
A member of the Young Professionals Association of Louisville and the University of Kentucky Young Alumni Association, Graham enjoys golf, traveling and spending time with family and friends in his free time.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Securities Agent: TX, DE, GA, WI, PA, CA, MI, KY, IL, FL, NC, TN, IN, OH, VA, SC, MD, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1504810
NMLS#: 1504810
About Don Kohler
Don Kohler
Vice President
Wealth Management Associate
Don is a Vice President and Wealth Management Associate at The Liberty Group at Morgan Stanley. With more than 25 years of industry experience, Don's extensive knowledge and comprehensive skills in banking and lending compliment Jim and Graham's investment experience to help ensure every client receives comprehensive wealth management on both sides of the balance sheet (assets and liabilities).
With a B.A. degree in Economics from Miami University in Oxford, Ohio, Don began his career at J.P. Morgan Chase in 1987. Over the years, he has held a number of important roles, including 16 years as a Private Banker. He joined Morgan Stanley in 2009 for the opportunity to build more personal relationships with clients and to share his experience in banking and lending solutions.
Originally from Louisville, Don currently lives in Prospect with his wife, Ann, and their son, Don III. He is currently on the Board of Directors of the Louisville Orchestra and is a sports director for the CSAA of Louisville. Don previously served as a volunteer for Junior Achievement of Louisville, the Cystic Fibrosis Foundation, the Ballard High School Alumni Association and Kenwood Optimist Club. In his free time, he enjoys live music, traveling and golf and spending quality time with friends and family.
Vice President
Wealth Management Associate
Don is a Vice President and Wealth Management Associate at The Liberty Group at Morgan Stanley. With more than 25 years of industry experience, Don's extensive knowledge and comprehensive skills in banking and lending compliment Jim and Graham's investment experience to help ensure every client receives comprehensive wealth management on both sides of the balance sheet (assets and liabilities).
With a B.A. degree in Economics from Miami University in Oxford, Ohio, Don began his career at J.P. Morgan Chase in 1987. Over the years, he has held a number of important roles, including 16 years as a Private Banker. He joined Morgan Stanley in 2009 for the opportunity to build more personal relationships with clients and to share his experience in banking and lending solutions.
Originally from Louisville, Don currently lives in Prospect with his wife, Ann, and their son, Don III. He is currently on the Board of Directors of the Louisville Orchestra and is a sports director for the CSAA of Louisville. Don previously served as a volunteer for Junior Achievement of Louisville, the Cystic Fibrosis Foundation, the Ballard High School Alumni Association and Kenwood Optimist Club. In his free time, he enjoys live music, traveling and golf and spending quality time with friends and family.
About Tess Montgomery
With 20 years of industry experience, Tess is a Portfolio Associate with The Liberty Group. Her responsibilities include managing the team's administrative and operational activities, with the primary focus of client service and handling the team's day-to-day workflow.
Tess began her career at a municipal bond firm in Kansas City, MO, where she is from. Since then she has worked on the retail side of the business as a client service associate and operations associate. She has also had the opportunity of working on the wholesale side of the business as an internal wholesaler selling variable annuities and life insurance. Tess holds her Series 7 and 66 FINRA registrations as well as life and health insurance licenses.
Tess and her husband, Bobby, currently live in Prospect with their two dogs, Olive and Shirley. Away from the office, Tess enjoys spending time with family and friends, traveling, and curling up with a good book.
Tess began her career at a municipal bond firm in Kansas City, MO, where she is from. Since then she has worked on the retail side of the business as a client service associate and operations associate. She has also had the opportunity of working on the wholesale side of the business as an internal wholesaler selling variable annuities and life insurance. Tess holds her Series 7 and 66 FINRA registrations as well as life and health insurance licenses.
Tess and her husband, Bobby, currently live in Prospect with their two dogs, Olive and Shirley. Away from the office, Tess enjoys spending time with family and friends, traveling, and curling up with a good book.
Contact James K Miller
Contact Graham Switzer
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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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 Liberty Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Alternative 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Alternative 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
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Awards Disclosures
CRC 6491812 (04/2024)
