Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Family Wealth Advisor
Phone:
(843) 689-7209(843) 689-7209
The MayRiver Group at Morgan Stanley
Direct:
(843) 689-7222(843) 689-7222
Toll-Free:
(855) 827-7222(855) 827-7222
Our Mission Statement
Active portfolio management to facilitate complex wealth needs and help clients leave the legacy they desire.
WELCOME
Named to the 2024 and 2025 Forbes Best-In-State Wealth Management Teams Ranking
The MayRiver Group is a team of seasoned advisors and professionals who deliver a dynamic approach to wealth management here in the Lowcountry. We focus on providing our clients with an active investment process that we personally oversee. Our experience in portfolio management compliments the more integrated services that we provide, in which we use goals-based wealth management to implement comprehensive financial plans through Morgan Stanley's proprietary software.
Members of The MayRiver Group have garnered national recognition as some of the top wealth management advisors in the state for their professionalism and dedication to the needs of their valued clients. Recent awards include:
• Earl S Cooler Jr., CPRC: Forbes Best-In-State Wealth Advisors 2018-2024
• Robert W. Long: Forbes Best-In-State Wealth Advisors 2023-2024
The MayRiver Group has become somewhat of a fixture in Hilton Head, known for financial planning and wealth management services as well as our involvement within various communities. Our clients come from many different walks of life, but share the common trait of finding success through a lifetime of dedication and hard work. Because of our location, clients often come to us when thinking about, planning for, or in the midst of retirement.
For those who are interested in partnering with our team, we typically work with families or households with $1M or greater of investable assets.
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Estate Planning StrategiesFootnote5
- 401(k) Rollovers
- Trust Services*
- Qualified Retirement PlansFootnote6
- 529 PlansFootnote7
- Alternative InvestmentsFootnote8
- AnnuitiesFootnote9
- Business PlanningFootnote10
- Cash ManagementFootnote11
- Endowments and FoundationsFootnote12
- Life InsuranceFootnote13
- Long Term Care InsuranceFootnote14
- Philanthropic Services
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Core Process
The MayRiver Group designs client portfolios around individual equity and fixed income securities, allowing us greater adaptability to clients' specific objectives. A portfolio typically consists of the following:
- Equity: 20-30 individual securities, based on global presence, industry leadership, and fundamental metrics
- Fixed Income: Individual corporate, municipal, government bonds and preferreds
- Alternative Investments: Private Equity/Credit offerings and Structured Investments for qualified clients
We believe that such a concentration allows for a more intricate approach to investing, tax and expense management, while still providing the appropriate diversification for a client's risk tolerance. We employ the use of mutual funds or ETFs where we deem necessary, depending upon the nature of a client's portfolio and objectives.
Strategy Implementation
No two relationships are the same. Our initial meeting is a discovery process to define clients' objectives and long-term goals to create a personalized portfolio and financial plan.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
EAA and IW
The Equity Award Analysis (EAA) tool evaluates employee stock and option holdings to determine potential strategies in the interest of liquidity, investment, and financial objectives.
Intelligent Withdrawals (IW) allows our team the ability to analyze a client's portfolio to generate a tax-efficient withdrawal recommendation right down to a particular security and tax lot level.
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
LifeView® and Goals Planning System (GPS)
Alongside existing investments, we develop a customized financial plan to determine appropriate investment strategies. We develop a client's financial plan through one or both of our planning tools, LifeView® and Morgan Stanley's proprietary platform, the Goals Planning System (GPS). These tools enable us to create a realistic planning strategy for clients that combine various aspects of an individual's financial life.
Tools within Financial Planning
- Asset Allocation
- What-If Scenarios
- Tax-Deferred vs Taxable
- IRA Conversions, Contributions, Distributions
- Cost of College
- Net Unrealized Appreciation (NUA)
- Estate Planning Scenarios
- Insurance and Long-Term Care Costs
Addressing Complex Wealth Needs
The MayRiver Group utilizes Morgan Stanley's Family Office Resources (FOR) to address the intricate challenges that high net worth families and individuals face in their lifetime and for future generations. In partnering with Family Office Resources, our team is able to develop customized solutions in areas of governance and legacy, wealth strategies, and lifestyle services. Below are some areas in which FOR can provide expertise.
Other Services
- Estate Planning Strategies
- Trust Services
- Private Banking Group
- Insurance Solutions
- Signature Access Lifestyle Advisory
- Philanthropy Management
Forbes Best-In-State Wealth Management Teams
The MayRiver Group at Morgan Stanley: 2024-2025
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Awards Disclosures
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Awards Disclosures
Forbes Best-In-State Wealth Advisors
Robert W. Long: 2023-2024
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Forbes Best-In-State Wealth Advisors
Earl "Smittie" Cooler: 2018-2024
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Alex Cooler - Pacesetter's Club Member, 2023-2025
For 2025, Alex Cooler has been named to Morgan Stanley's Pacesetter's Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first class client service.
Smittie Cooler, CRPC®
Senior Vice President, Financial Advisor, Family Wealth Advisor, Senior Portfolio Management Director
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Chartered Retirement Planning Counselor (CRPC)
Series 7, 9, 10, 63, 65 Licenses
NMLS ID #1279387
Life, Accident, Health and Variable Products Insurance Licenses
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BA in Political Science from the University of South Carolina
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Chartered Retirement Planning Counselor (CRPC)
Series 7, 9, 10, 63, 65 Licenses
NMLS ID #1279387
Life, Accident, Health and Variable Products Insurance Licenses
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BA in Political Science from the University of South Carolina
Robert Long, MBA
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
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Series 7, 63, 65 Licenses
NMLS ID #1844963
Life and Annuity Insurance Licenses
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MBA from the University of South Carolina
BS in Economics and Finance from the University of North Carolina at Wilmington
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Series 7, 63, 65 Licenses
NMLS ID #1844963
Life and Annuity Insurance Licenses
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MBA from the University of South Carolina
BS in Economics and Finance from the University of North Carolina at Wilmington
Alex Cooler, MBA, CIMA®
Associate Vice President, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
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Series 7, 66 Licenses
NMLS ID #2155047
Life, Accident, Health and Variable Products Insurance Licenses
─────────
MBA from the University of South Carolina
BS in Finance and Marketing from the University of South Carolina
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Series 7, 66 Licenses
NMLS ID #2155047
Life, Accident, Health and Variable Products Insurance Licenses
─────────
MBA from the University of South Carolina
BS in Finance and Marketing from the University of South Carolina
Kim Jettie
Senior Client Services Associate
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25+ Years in Financial Services
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BA in Telecommunications from Eastern Michigan University
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25+ Years in Financial Services
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BA in Telecommunications from Eastern Michigan University
Location
600 Main Street
Hilton Head Island, SC 29926
US
Direct:
(843) 689-7222(843) 689-7222
Toll-Free:
(855) 827-7222(855) 827-7222
Meet The MayRiver Group
Phone:
(843) 689-7228(843) 689-7228
Associate Vice President, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(843) 689-7212(843) 689-7212
Kim Jettie
Senior Client Service Associate
Phone:
(843) 689-7222(843) 689-7222
About Earl Smith Cooler Jr.
Earl S. Cooler, Jr., CRPC
Senior Vice President, Financial Advisor
Family Wealth Advisor
Senior Portfolio Management Director
Forbes Best-In-State Wealth Advisors: 2018-2024
Earl S. Cooler, Jr., known by his colleagues and clients as Smittie, has worked in financial services for over 25 years. In his role with the MayRiver Group at Morgan Stanley, he focuses on helping clients in retirement build new or alternative income streams and distribute their wealth to live out their golden years.
With experience in portfolio management, Smittie has focused on fee-based investment management since early in his career, and brings this experience to inform his financial planning and investment management processes he takes with clients in retirement today. Smittie earned his CHARTERED RETIREMENT PLANNING COUNSELOR® designation in 2005.
Outside of Morgan Stanley, Smittie serves as the Chairman of the Board for the Lowcountry Revolutionary War Trail, one of several pursuits that keep him connected to the community. He graduated with a degree in political science from the University of South Carolina.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Senior Vice President, Financial Advisor
Family Wealth Advisor
Senior Portfolio Management Director
Forbes Best-In-State Wealth Advisors: 2018-2024
Earl S. Cooler, Jr., known by his colleagues and clients as Smittie, has worked in financial services for over 25 years. In his role with the MayRiver Group at Morgan Stanley, he focuses on helping clients in retirement build new or alternative income streams and distribute their wealth to live out their golden years.
With experience in portfolio management, Smittie has focused on fee-based investment management since early in his career, and brings this experience to inform his financial planning and investment management processes he takes with clients in retirement today. Smittie earned his CHARTERED RETIREMENT PLANNING COUNSELOR® designation in 2005.
Outside of Morgan Stanley, Smittie serves as the Chairman of the Board for the Lowcountry Revolutionary War Trail, one of several pursuits that keep him connected to the community. He graduated with a degree in political science from the University of South Carolina.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: UT, VA, TN, OR, IL, AZ, NY, NC, MI, NH, MD, MA, IN, CO, WA, TX, MO, CT, SC, OH, HI, PA, NJ, MN, CA, WI, NM, MS, KY, IA, DE, DC, OK, LA, GA, FL, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1279387
NMLS#: 1279387
About Robert Long, MBA
Robert Long, MBA
Senior Vice President, Financial Advisor
Senior Portfolio Management Director
Forbes Best-In-State Wealth Advisors: 2023, 2024
Robert Wesley Long has been in financial services since 1985, with a particular focus in portfolio management and business development, the latter of which he executes in his role as chief investment strategist for the MayRiver Group at Morgan Stanley.
With a particular focus in helping clients grow and build on assets they currently have through careful portfolio management, Robert’s clients are generally either entering the planning stages of retirement, or have recently obtained wealth through a big liquidity event that pushes them to start thinking more seriously about retirement. He is particularly focused on building relationships with clients before they relocate for retirement.
Robert has an MBA from the University of South Carolina, and graduated from the University of North Carolina at Wilmington with a degree in Economics and Finance, where he played four years of college golf. An avid golfer, when he is not in the office, Robert enjoys spending time on the course with clients or colleagues, or enjoying the company of his family where they reside in Bluffton, South Carolina.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024). Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Senior Vice President, Financial Advisor
Senior Portfolio Management Director
Forbes Best-In-State Wealth Advisors: 2023, 2024
Robert Wesley Long has been in financial services since 1985, with a particular focus in portfolio management and business development, the latter of which he executes in his role as chief investment strategist for the MayRiver Group at Morgan Stanley.
With a particular focus in helping clients grow and build on assets they currently have through careful portfolio management, Robert’s clients are generally either entering the planning stages of retirement, or have recently obtained wealth through a big liquidity event that pushes them to start thinking more seriously about retirement. He is particularly focused on building relationships with clients before they relocate for retirement.
Robert has an MBA from the University of South Carolina, and graduated from the University of North Carolina at Wilmington with a degree in Economics and Finance, where he played four years of college golf. An avid golfer, when he is not in the office, Robert enjoys spending time on the course with clients or colleagues, or enjoying the company of his family where they reside in Bluffton, South Carolina.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024). Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Securities Agent: GA, OK, OH, MI, AR, VA, MS, LA, PA, MN, KY, AZ, SC, NY, NH, MO, MD, CA, WA, UT, NC, IA, CO, OR, IL, DE, CT, WI, NM, NJ, MA, IN, FL, DC, TX, TN, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1844963
NMLS#: 1844963
About Alex Cooler, MBA
Alex Cooler, MBA, CIMA®
Financial Advisor
Portfolio Manager
Financial Planning Specialist
Alex spent the early part of his career working as an institutional investment analyst, focusing on asset-backed lending and private credit.
In his role with the MayRiver Group at Morgan Stanley, Alex focuses on financial planning and tailored investment strategies to help ensure that clients can meet their financial goals efficiently. Alex holds the Certified Investment Management Analyst (CIMA®) designation from the Investments & Wealth Institute.
Alex holds an MBA from the University of South Carolina along with a BS in Finance and Marketing. Outside of the office, Alex serves as a member of the Finance and Audit Committee for Coastal Community Foundation. He currently resides in Bluffton with his wife Audrey and daughters Adelynn and Ava Grace.
Financial Advisor
Portfolio Manager
Financial Planning Specialist
Alex spent the early part of his career working as an institutional investment analyst, focusing on asset-backed lending and private credit.
In his role with the MayRiver Group at Morgan Stanley, Alex focuses on financial planning and tailored investment strategies to help ensure that clients can meet their financial goals efficiently. Alex holds the Certified Investment Management Analyst (CIMA®) designation from the Investments & Wealth Institute.
Alex holds an MBA from the University of South Carolina along with a BS in Finance and Marketing. Outside of the office, Alex serves as a member of the Finance and Audit Committee for Coastal Community Foundation. He currently resides in Bluffton with his wife Audrey and daughters Adelynn and Ava Grace.
Securities Agent: TX, OK, UT, WA, NM, NJ, CA, AR, MO, MI, MD, KY, HI, DC, AZ, NY, NC, MN, IL, GA, SC, MA, CT, WI, TN, PA, NH, FL, CO, VA, IN, DE, OR, OH, LA, IA, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2155047
NMLS#: 2155047
About Kim Jettie
Kim Jettie
Senior Client Service Associate
Kim has been a Sr. Client Service Associate with the firm for 12 years and over 25 years in the business. She is a native of Southgate, MI and attended Eastern Michigan University. She is an active member of Kiwanis and lives in Bluffton, SC with her husband Bob.
Senior Client Service Associate
Kim has been a Sr. Client Service Associate with the firm for 12 years and over 25 years in the business. She is a native of Southgate, MI and attended Eastern Michigan University. She is an active member of Kiwanis and lives in Bluffton, SC with her husband Bob.
Contact Earl Smith Cooler Jr.
Contact Robert Long, MBA
Contact Alex Cooler, MBA
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
Jared M. Bush
Private Banker
Bruce Spencer, CFP®
Financial Planning Director, Vice President
Mark Jansen
Family Office Resources Generalist
About Jared M. Bush
Jared Bush is a Private Banker serving Morgan Stanley Wealth Management offices in the Carolinas.
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.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
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.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
NMLS#: 619654
About Bruce Spencer
Bruce Spencer is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in North & South Carolina’s market. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to his joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for ten years. He has also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC with his wife of 25-years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to his joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for ten years. He has also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC with his wife of 25-years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Wealth Management
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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
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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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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Ready to start a conversation? Contact The MayRiver Group today.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When 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.
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 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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Alternative 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When 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.
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 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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Alternative 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
