Alex B Humphries, CFA
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(410) 229-8261(410) 229-8261
The Manor Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
OUR STORY AND SERVICES
Our Mission
One of the biggest concerns for investors is whether they will outlive their retirement money or whether it will outlive them.
As a Financial Advisor team focusing on the retirement needs of both business owners and families, our mission is to help our clients be well prepared for that all-important stage of their lives. We guide clients in making informed decisions before they plan to retire and in seeking the income they will need to do exactly what they want. After retirement, when it's time to finally use their hard-earned money, we continue to guide clients as they take distributions and seek to maintain the lifestyle they envisioned.
Our Philosophy
We believe that helping clients achieve their financial goals begins with understanding their needs. Only then can we provide the comprehensive guidance that seeks to answer the most fundamental question: Can we attain our goals?
To address question like these, we take a holistic approach to helping them invest and manage their wealth, which means that we focus on all aspects of their financial lives, not just parts of it. We believe that our clients deserve financial partners who share their vision, earn their trust, and work diligently to uncover myriad possible solutions that help them address their aspirations and create a legacy for future generations.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Comprehensive Approach To Your Financial Needs
Here with The Manor Group at Morgan Stanley, we are your dedicated wealth management team. Our role is to tailor a holistic financial strategy which fits your needs. Through our vast experience of working with clients, we have developed a step-by-step approach to provide a personalized service.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items & Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are bring met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Complimentary Second Opinion Service
The Manor Group extends a complimentary Second Opinion Service to friends, family members, or associates of our valued clients. We are delighted to offer you an opportunity to engage in a conversation that could potentially shape your financial future.
Navigating Wealth Management with The Manor Group
As a client of The Manor Group, you gain access to a team of disciplined and experienced Financial Advisors, each bringing a wealth of expertise and diverse experiences to the table. Our commitment is to provide you with a clear and comprehensive vision of wealth management tailored to your unique needs.
Our Consultative Process: A Collaborative Journey
At The Manor Group, we believe in a collaborative approach to wealth management. Our consultative process begins with an open dialogue to understand your values and goals. Together, we work to create a personalized plan designed to help you achieve financial success.
What to Expect: A Roadmap to Your Financial Goals
1. Discovery Meeting: Your initial meeting will serve as a discovery session, allowing us to gain valuable insights into your values and goals.
2. Comprehensive Financial Analysis: Following the discovery meeting, our team will conduct a thorough analysis of your current financial picture.
3. Recommendation Meeting: In the second meeting, we will discuss your current situation and, if necessary, propose tailored solutions to align your financial strategy with your needs. Embark on this journey with The Manor Group, where financial well-being is not just a destination but a continuous pursuit. We look forward to the opportunity to guide you toward your financial goals with expertise and dedication. Schedule your complimentary Second Opinion Service today to start your personalized financial conversation.
Market Insights
Here at The Manor Group at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of providing our clients with resources so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
On The Market Research Report
Up to date market commentary from Morgan Stanley's thought leaders which provides detailed insight on topics such as global equities, fixed income, monetary policy and more.
Global Insights
The Political Economy: All over the world elections are taking place that will have profound effects on both local and global economies, so where are policy moves being made and how might investors use these moves to anticipate economic shifts?
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Highlights:
* Chart of the Week: Waiting for the Fed to Blink
* Fixed Income Insight: Refinancing Becomes an Increasing Challenge
* Charts in Focus: Liquidity
* Tactical Asset Allocation Reasoning
5 Way to Protect Your Finances in a Recession
You may be understandably concerned by forecasts of a possible recession this year. Know that the team and I are here to help. This article offers helpful tips for protecting your finances in a recession. Let's connect if you'd like to talk more about which strategies are right for you.
Tax Efficient Investing
Factoring the impact of taxes into your investment decisions can help you to keep more of your hard-earned money, both now and in the future.
Cybersecurity Tips
Whether it's strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to reduce the threat of identity theft, online scams, malware, fraud and more.
Comprehensive Financial Planning
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth
2023 Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Aladdin - Intelligent Risk Management
There's a chance your portfolio may be at risk, but how you manage that risk is what matters.
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 both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Retirement
Leading up to and through retirement, The Harbor Park Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals
Location
303 International Circle
Ste 500
Hunt Valley, MD 21030
US
Direct:
(410) 229-8200(410) 229-8200
Meet The Manor Group
Jonathan R Shimaitis, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(410) 229-8268(410) 229-8268
Ronald W Mitcherling Jr, CFP®, ChFC®, CLU®
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Portfolio Management Director, CERTIFIED FINANCIAL PLANNER®, Chartered Financial Consultant, Chartered Life Underwriter
Phone:
(410) 229-8271(410) 229-8271
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(410) 229-8272(410) 229-8272
Matt Cech
Wealth Management Associate
Suzanne Yoder
Senior Registered Client Service Associate
Phone:
(410) 229-8270(410) 229-8270
Merri Toulas
Senior Registered Client Service Associate, Portfolio Associate
Phone:
(410) 229-8296(410) 229-8296
About Alex B Humphries
Alex, a Senior Vice President and Financial Advisor, leverages 20 years of experience in the financial industry to help clients identify, plan for, and meet their financial goals. His areas of focus are retirement income planning and tax-efficient portfolio management. Alex graduated magna cum laude from Loyola University Maryland with a Bachelor of Business Administration and a Finance Concentration. He began his career as a financial advisor in 2004 with Legg Mason Wood Walker, which through two mergers became Morgan Stanley. In 2009, he became a CFA® Charterholder. The CFA Charter is a globally recognized designation that attests to success in a comprehensive study program in the investment management industry and a commitment to ethical conduct.
Alex is a lifetime resident of the Baltimore area. He and Leanne, his wife of 13 years, live in Baltimore City with their Puerto Rican Rescue Dog, Edgar. Alex has a passion for travel, houseplants, and fitness, and he is a lifelong soccer fan.
Alex is a lifetime resident of the Baltimore area. He and Leanne, his wife of 13 years, live in Baltimore City with their Puerto Rican Rescue Dog, Edgar. Alex has a passion for travel, houseplants, and fitness, and he is a lifelong soccer fan.
Securities Agent: WV, NJ, CO, NC, WY, ID, HI, WA, SC, PA, NH, LA, IA, DE, AL, NY, AZ, NM, MD, GA, DC, ME, MI, VA, TX, OR, MA, FL, KY, CA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1925825
NMLS#: 1925825
About Jonathan R Shimaitis
Jon has over 23 years experience as a Financial Advisor. Jon graduated from Towson University where he earned his Bachelor’s Degree in 2000. He received his certificate in Financial Planning in 2003 from Villa Julie College. He earned his CFP® designation in 2004. Jon has been named “Five Star Wealth Manager” by Crescendo Business Services in Baltimore Magazine from 2012-2020, 2022-2023. Jon resides in Fallston with his wife Liz of 21 years and their six children. They spend most of their time running to various sporting events and taking family vacations. In his free time, he enjoys fishing, golfing, and weightlifting.
2012-2020, 2022-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2020, 2022-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2023 Award - 4/18/22 - 10/21/22
2022 Award - 5/10/21 - 11/12/21
2020 Award - 4/19/19 - 11/13/19
2019 Award - 4/19/18 - 11/07/18
2018 Award - 4/21/17 - 11/06/17
2017 Award - 3/26/16 - 11/11/16
2016 Award - 6/16/15 - 11/09/15
2015 Award - 6/16/14 - 11/09/14
2014 Award - 6/16/13 - 11/09/13
2013 Award - 6/16/12 - 11/09/12
2012 Award - 6/16/11 - 11/09/11
2012-2020, 2022-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2020, 2022-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2023 Award - 4/18/22 - 10/21/22
2022 Award - 5/10/21 - 11/12/21
2020 Award - 4/19/19 - 11/13/19
2019 Award - 4/19/18 - 11/07/18
2018 Award - 4/21/17 - 11/06/17
2017 Award - 3/26/16 - 11/11/16
2016 Award - 6/16/15 - 11/09/15
2015 Award - 6/16/14 - 11/09/14
2014 Award - 6/16/13 - 11/09/13
2013 Award - 6/16/12 - 11/09/12
2012 Award - 6/16/11 - 11/09/11
Securities Agent: MD, LA, CA, NJ, ID, IA, WA, OR, GA, AZ, WV, PA, NC, FL, DE, WY, ME, MA, IL, HI, MI, NY, NM, IN, CT, CO, AR, VA, TX, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1441538
NMLS#: 1441538
About Ronald W Mitcherling Jr
Ron has over 28 years of experience having begun his career with Legg Mason in 1996, which through two mergers became Morgan Stanley. He earned his CFP® designation in 2003 and uses his expertise in creation and implementation of individually tailored financial plans, estate plans, and income distribution plans for both business owners and corporate retirees.
Ron received his Bachelor of Science Degree in Business Administration with an emphasis in Finance from Towson State University. He is a member of Morgan Stanley's Century Club. Ron has also been recognized consecutively from 2012 - 2024, as one of Baltimore Magazine's “ Five Star Wealth Manager” consecutively by Cresando Business Services.
Ron lives in Fork Maryland along with his wife of over 26 years and their two children who both are attending college. He enjoys quality time with his family, traveling, fishing, and scuba diving.
2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 4/10/23 - 10/31/23
2023 Award - 4/18/22 - 10/21/22
2022 Award - 5/10/21 - 11/12/21
2021 Award - 4/27/20 - 10/30/20
2020 Award - 4/19/19 - 11/13/19
2019 Award - 4/19/18 - 11/07/18
2018 Award - 4/21/17 - 11/06/17
2017 Award - 3/26/16 - 11/11/16
2016 Award - 6/16/15 - 11/09/15
2015 Award - 6/16/14 - 11/09/14
2014 Award - 6/16/13 - 11/09/13
2013 Award - 6/16/12 - 11/09/12
2012 Award - 6/16/11 - 11/09/11
Ron received his Bachelor of Science Degree in Business Administration with an emphasis in Finance from Towson State University. He is a member of Morgan Stanley's Century Club. Ron has also been recognized consecutively from 2012 - 2024, as one of Baltimore Magazine's “ Five Star Wealth Manager” consecutively by Cresando Business Services.
Ron lives in Fork Maryland along with his wife of over 26 years and their two children who both are attending college. He enjoys quality time with his family, traveling, fishing, and scuba diving.
2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 4/10/23 - 10/31/23
2023 Award - 4/18/22 - 10/21/22
2022 Award - 5/10/21 - 11/12/21
2021 Award - 4/27/20 - 10/30/20
2020 Award - 4/19/19 - 11/13/19
2019 Award - 4/19/18 - 11/07/18
2018 Award - 4/21/17 - 11/06/17
2017 Award - 3/26/16 - 11/11/16
2016 Award - 6/16/15 - 11/09/15
2015 Award - 6/16/14 - 11/09/14
2014 Award - 6/16/13 - 11/09/13
2013 Award - 6/16/12 - 11/09/12
2012 Award - 6/16/11 - 11/09/11
Securities Agent: VA, CO, GA, DE, WY, TX, SC, PA, NY, NJ, WA, NH, AZ, NM, ID, MI, IA, FL, NC, MA, HI, OR, ME, MD, NV, LA, WV, CA, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1447633
NMLS#: 1447633
About W Ryan Winterstein
Ryan’s desire to become a financial advisor started at Towson University working toward his B.S in Finance. He had a strong desire for knowledge as it related to investments and educating people on how to use them appropriately to reach their financial goals. Ryan’s career began with Legg Mason in 1999 which through two mergers became Morgan Stanley.
Ryan’s role on the team has always been to craft financial plans for post and pre retirees to help them meet their financial goals. His emphasis on the team is working with business owners. Specifically, Ryan collaborates with business owners’ accountants to design appropriate Retirement Plans and systematically review them to ensure the plan fits the business’ needs and goals. He holds the Accredited Asset Management Specialist® designation through the College for Financial Planning and has been named “Five Star Wealth Manager” by Crescendo Business Services in Baltimore Magazine from 2012 to 2021.
Out of the office, Ryan enjoys spending time with his wife Kathleen and his four children. The Winterstein family resides in Jarrettsville and enjoys traveling in their motorhome to National Parks and various east coast destinations to make some long lasting family memories and learn some history along the way.
2012-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021 Award - 4/27/20 - 10/30/20
2020 Award - 4/19/19 - 11/13/19
2019 Award - 4/19/18 - 11/07/18
2018 Award - 4/21/17 - 11/06/17
2017 Award - 3/26/16 - 11/11/16
2016 Award - 6/16/15 - 11/09/15
2015 Award - 6/16/14 - 11/09/14
2014 Award - 6/16/13 - 11/09/13
2013 Award - 6/16/12 - 11/09/12
2012 Award - 6/16/11 - 11/09/11
Ryan’s role on the team has always been to craft financial plans for post and pre retirees to help them meet their financial goals. His emphasis on the team is working with business owners. Specifically, Ryan collaborates with business owners’ accountants to design appropriate Retirement Plans and systematically review them to ensure the plan fits the business’ needs and goals. He holds the Accredited Asset Management Specialist® designation through the College for Financial Planning and has been named “Five Star Wealth Manager” by Crescendo Business Services in Baltimore Magazine from 2012 to 2021.
Out of the office, Ryan enjoys spending time with his wife Kathleen and his four children. The Winterstein family resides in Jarrettsville and enjoys traveling in their motorhome to National Parks and various east coast destinations to make some long lasting family memories and learn some history along the way.
2012-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021 Award - 4/27/20 - 10/30/20
2020 Award - 4/19/19 - 11/13/19
2019 Award - 4/19/18 - 11/07/18
2018 Award - 4/21/17 - 11/06/17
2017 Award - 3/26/16 - 11/11/16
2016 Award - 6/16/15 - 11/09/15
2015 Award - 6/16/14 - 11/09/14
2014 Award - 6/16/13 - 11/09/13
2013 Award - 6/16/12 - 11/09/12
2012 Award - 6/16/11 - 11/09/11
Securities Agent: SC, CA, TX, NY, IA, HI, DC, OR, NC, IL, VA, MT, MD, OH, FL, WV, WA, VT, NM, MA, WY, PA, MI, LA, ID, DE, AZ, NJ, CO, GA, ME, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
About Matt Cech
Matt started his journey in the financial services industry as a college intern with Merrill Lynch in 2009. In 2011, he joined with New York Life, gaining an understanding of Risk Management, focusing on planning for life insurance, long term care and annuities. In 2013, he joined Morgan Stanley as a Financial Advisor and moved to a large team in 2014 where he worked until 2020 honing his skills in financial planning and investment management. For the past several years, he directed the investment group of an independent firm creating and monitoring their investment portfolios.
Matt lives in Lutherville, Maryland with his wife, Cait, and their 3 children. He and his family enjoy spending time at the beach when they're not busy with sports.
He is a graduate of Mount St. Mary’s University with a degree in Finance. He holds his Series 7, Series 66, Series 31, and Life & Health Licenses.
Matt lives in Lutherville, Maryland with his wife, Cait, and their 3 children. He and his family enjoy spending time at the beach when they're not busy with sports.
He is a graduate of Mount St. Mary’s University with a degree in Finance. He holds his Series 7, Series 66, Series 31, and Life & Health Licenses.
About Suzanne Yoder
With over 30 years of service, Suzanne offers decades of Client Service experience. She joined the MRW Group in 2008 as a Registered Client Service Associate and is tasked with providing exceptional client service, day-to-day questions, and all administrative issues.
Suzanne earned her Bachelor of Science degree from Towson State University. She is both Series 7 & Series 66 licensed.
Suzanne lives in Hunt Valley, Maryland along with her two sons and is an avid baseball fan.
Suzanne earned her Bachelor of Science degree from Towson State University. She is both Series 7 & Series 66 licensed.
Suzanne lives in Hunt Valley, Maryland along with her two sons and is an avid baseball fan.
About Merri Toulas
Merri has been in the financial services industry for the last 28 years. As such, she commands a great deal of experience. Wearing many hats, Merri focuses on safeguarding client assets with diligence and attentive care. She is also instrumental in providing operational support to our team. When not working, Merri enjoys spending time with her family and friends.
Contact Alex B Humphries
Contact Jonathan R Shimaitis
Contact Ronald W Mitcherling Jr
Contact W Ryan Winterstein
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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 Manor 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Annuities 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*.
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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.
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*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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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)
