Phone:
(520) 519-2339(520) 519-2339
The McGeorge McLaughlin 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
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Donor Advised Funds
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Trust ServicesFootnote3
- Wealth ManagementFootnote4
- Wealth PlanningFootnote5
- UGMA/UTMAFootnote6
- Trust AccountsFootnote7
- SyndicateFootnote8
- Financial PlanningFootnote9
- Executive Financial ServicesFootnote10
- Exchange Traded FundsFootnote11
- Estate Planning StrategiesFootnote12
- Endowments and FoundationsFootnote13
- Corporate Retirement PlansFootnote14
- Corporate BondsFootnote15
- Certificates of DepositFootnote16
- Asset Management
- Cash ManagementFootnote17
- 529 PlansFootnote18
- Long-term Care InsuranceFootnote19
- AnnuitiesFootnote20
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Managing Family & Generational Wealth
Managing significant family and generational wealth is complex and often raises different questions. See the resources below for more information about managing and preserving significant family wealth.
Family Governance and Wealth Education Fact Sheet
Our mission is to help clients maximize the value of their family capital through the transfer and preservation of the family's shared values, and the creation of an enduring family legacy.
Learn More Here
Opening Pandora's Box: 10 Rules for Talking to Kids About Money
Discussing family wealth and financial matters with children can be daunting for families. Read the linked article from Glenn Kurlander, Head of Family Governance & Wealth Education at Morgan Stanley, for more information about navigating this delicate subject.
Learn More Here
Wealth Education Development Plan
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Learn More Here
Your Guide to Life and Money Playbook
Our goal is to help prepare the next generation of leaders, parents, philanthropists, innovators, trustees, executors, board members, and investors by empowering you with the knowledge and tools needed to achieve your goals.
Learn More Here
Estate Planning Strategies
Tax, Trust & Estate (TTE) strategy has a potential to be incredibly powerful if executed effectively. For a successful TTE plan, it is critical to create a TTE implementation in combination with a TTE strategy.
Learn More Here
Importance of a Holistic Approach to Your Wealth Video
Watch the below video from Morgan Stanley Family Office Resources to learn how Morgan Stanley FOR can help integrate family values, philanthropy, and legacy into your unique wealth plan.
Learn More HereAwards and Designations
Certified Financial Planner™ (CFP®)
The CFP® designation is awarded to advisors with skiled focus in the areas of Education, Investment, Tax, Retirement, Estate, and Insurance planning. Professionals with their CFP® must have years of experience in financial planning services and pass a comprehensive exam before they are awarded this designation. A CFP® is held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Master's Club
Chip has been named to Morgan Stanley's prestigious Master's Club, an elite group of our firm's Financial Advisors. This accolade recognizes Chip's consistent excellence in providing a wide range of investment products and wealth management services to clients like you. In addition to demonstrating leadership through best practices of wealth management, our recognition programs acknowledge the highest professional standards and first-class client service.
Chartered Retirement Planning Counselor SM (CRPC®)
The Chartered Retirement Planning Counselor , or CRPC® program, is a designation program for financial professionals. This designation enables experienced advisors, who are focused on retirement planning for individuals, define a road map to retirement for their clients. There is a focus on clients' pre- and post-retirement needs, as well as issues related to asset management and estate planning.
Our Process
With dedication and passion, we are committed to help you and your family reach your financial goals. With highly personalized care, we strive to find the best possible solutions for our clients.
Step 1: Understanding You
Our process begins with a detailed conversation that identifies what is truly important to you. During this meeting, we will ask a series of questions to get an in-depth understanding of your personal, professional and financial situation, as well as your long-term investment goals, time horizon, and tolerance for risk.
Step 2: Customizable Plan
From this ongoing dialogue, we will analyze your current situation and begin to develop comprehensive strategies to help achieve your goals. This analysis will address income and retirement planning, as well as investment and risk management.
Step 3: Plan Implementation
Once you review and approve your plan, we will begin to execute these strategies appropriately. As we work together, we will help ensure that you are on track with your portfolio to achieve your financial goals.
Step 4: Ongoing Assessment
We will have ongoing conversations about the management of your investment plan to help ensure your portfolio is properly balanced, and the investment vehicles utlized are performing according to preset benchmarks.
Valuable Tools and Resources
Our team is committed to providing you with important information about managing your wealth in today's fast-paced environment. Register for our online platforms and take a look at our latest resources that focus on insights in the markets.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Total Wealth View
Total Wealth View allows you and your advisor to view a complete financial picture of your investments to identify opportunities or risks across all your accounts. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Location
7175 N Pima Canyon Dr
Tucson, AZ 85718
US
Meet The McGeorge McLaughlin Group
Phone:
(520) 519-2329(520) 519-2329
Phone:
(480) 624-5733(480) 624-5733
Shannon Soto
Portfolio Associate
Phone:
(520) 519-2323(520) 519-2323
About Chip McLaughlin
Chip's illustrious 32-year career as a financial professional commenced in 1992 with the esteemed Dean Witter, which has since become Morgan Stanley. Leveraging his extensive experience, Chip has honed his skills in wealth management and focuses on crafting meticulous retirement plans for his clients.
Chip received his Bachelor of Science in Business Administration with an emphasis in Finance from the Eller School of Management at the University of Arizona. In 1997, Chip zealously pursued his financial education and earned the prestigious Certified Financial Planner™ (CFP) certification, significantly augmenting his professional focus across various domains, such as estate and income tax planning strategy. Since 1998, Chip has been recognized each year for outstanding performance within Morgan Stanley through membership in the Firm’s Masters Club - an elite group composed of the firm’s top Financial Advisors.
Chip and his beloved wife Kelly have been happily married for nearly thirty years and have three beautiful daughters together. Nestled in the enchanting locale of Tucson, Arizona, their shared passions encompass an array of delightful pursuits, from globetrotting adventures to invigorating activities like running, golfing, and skiing.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax advisor.
Chip received his Bachelor of Science in Business Administration with an emphasis in Finance from the Eller School of Management at the University of Arizona. In 1997, Chip zealously pursued his financial education and earned the prestigious Certified Financial Planner™ (CFP) certification, significantly augmenting his professional focus across various domains, such as estate and income tax planning strategy. Since 1998, Chip has been recognized each year for outstanding performance within Morgan Stanley through membership in the Firm’s Masters Club - an elite group composed of the firm’s top Financial Advisors.
Chip and his beloved wife Kelly have been happily married for nearly thirty years and have three beautiful daughters together. Nestled in the enchanting locale of Tucson, Arizona, their shared passions encompass an array of delightful pursuits, from globetrotting adventures to invigorating activities like running, golfing, and skiing.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax advisor.
Securities Agent: SC, WY, MN, CT, CA, WA, SD, MT, MO, LA, DE, ID, GA, VT, TN, PA, OH, MI, MA, HI, AZ, MD, NV, NM, NJ, FL, CO, AR, TX, RI, OK, NY, ND, NC, VA, KS, IN, IL, IA, WI, UT, NE, MS, KY, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290543
NMLS#: 1290543
About Robin McGeorge
Robin McGeorge has been a Financial Advisor with Morgan Stanley and its predecessor firm Dean Witter for 39 years. As a Senior Vice President and Senior Portfolio Manager, Robin works to provide clients with a comprehensive array of investment management services. These services include financial, estate, and retirement planning strategies, along with portfolio management and asset allocation solutions for individual investors, corporations and endowments.
Since 1987, Robin has been recognized each year for outstanding performance within Morgan Stanley through memberships in the Director’s Club, Master’s Club and President’s Club. Recently, Robin was awarded the title of Senior Portfolio Manager which is obtained through superior performance in the Portfolio Management platform.
Robin grew up in Short Hills, NJ and moved to Southern Arizona in 1973 where he attended Sabino High School. He graduated from the University of Arizona with a degree in Mechanical Engineering. He has been married to his wife, Linda, for 34 years and they have four children. Tommy is a Financial Advisor with Morgan Stanley in the Scottsdale, Arizona office. Kate is married and a Mom and is currently a nurse in Austin, Texas. Maggie is married and a Mom in Scottsdale, Arizona and is employed by Twilio Corporation and Maeve works for Citrix Corporation in Austin, Texas.
Since 1987, Robin has been recognized each year for outstanding performance within Morgan Stanley through memberships in the Director’s Club, Master’s Club and President’s Club. Recently, Robin was awarded the title of Senior Portfolio Manager which is obtained through superior performance in the Portfolio Management platform.
Robin grew up in Short Hills, NJ and moved to Southern Arizona in 1973 where he attended Sabino High School. He graduated from the University of Arizona with a degree in Mechanical Engineering. He has been married to his wife, Linda, for 34 years and they have four children. Tommy is a Financial Advisor with Morgan Stanley in the Scottsdale, Arizona office. Kate is married and a Mom and is currently a nurse in Austin, Texas. Maggie is married and a Mom in Scottsdale, Arizona and is employed by Twilio Corporation and Maeve works for Citrix Corporation in Austin, Texas.
Securities Agent: LA, CA, TX, MS, KY, IL, CO, AR, ND, NC, CT, UT, RI, MD, ID, DC, FL, DE, AZ, WY, SD, NV, NM, NE, MO, MA, WI, WA, OR, NJ, MN, VT, TN, MI, IN, IA, HI, GA, SC, OK, MT, KS, VA, PA, OH, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1282849
NMLS#: 1282849
About Thomas S. McGeorge
Tommy has been working for Morgan Stanley in a variety of roles for just under 15 years. He started as a Registered Associate in Morgan Stanley’s downtown Chicago, IL offices where he was part of multiple teams that managed over 100 corporate stock plans. Tommy’s main focus within these teams was to handle all Section 16 insiders for their corporate clients. His responsibilities included, but were not limited to, 10b5-1 plans, Form 144 sales, Form 4 transactions, and developing disciplined wealth management strategies for corporate executives. In 2014, Tommy focused on a Wealth Advisory Associate role in Morgan Stanley’s Scottsdale, AZ office. As a Wealth Advisory Associate, he worked with Morgan Stanley Financial Advisors to build comprehensive financial plans for clients. In addition, during his time as a Wealth Advisory Associate, he completed the necessary coursework and passed the required tests to earn the CFP® (CERTIFIED FINANCIAL PLANNER™) and CRPC® (Chartered Retirement Planning Counselor SM) designations. Drawing on experience from his earlier roles with Morgan Stanley as well as CFP® and CRPC® designations, Tommy is in his sixth year as a Financial Advisor with Morgan Stanley and continues to help clients grow, manage, and preserve their wealth.
Tommy was fortunate enough to grow up in the business, as his father, Robin McGeorge, has been a Financial Advisor with Morgan Stanley and its predecessor firm, Dean Witter, for almost 40 years. In addition, Tommy’s grandfather, John Sheedy, was a Financial Advisor in Phoenix, AZ for close to 40 years. As a fourth-generation Arizonan, Tommy grew up in Tucson, AZ and attended Salpointe Catholic High School. He played Division I college tennis for four years at The University of Iowa while earning Academic All-Big Ten Honors. He graduated from The University of Iowa with a degree in Finance and a minor in Sports Management. In his free time, he enjoys playing and watching sports, spending time with friends and family (Uncle to two nieces and two nephews), and following the Arizona Wildcats and Iowa Hawkeyes.
Tommy was fortunate enough to grow up in the business, as his father, Robin McGeorge, has been a Financial Advisor with Morgan Stanley and its predecessor firm, Dean Witter, for almost 40 years. In addition, Tommy’s grandfather, John Sheedy, was a Financial Advisor in Phoenix, AZ for close to 40 years. As a fourth-generation Arizonan, Tommy grew up in Tucson, AZ and attended Salpointe Catholic High School. He played Division I college tennis for four years at The University of Iowa while earning Academic All-Big Ten Honors. He graduated from The University of Iowa with a degree in Finance and a minor in Sports Management. In his free time, he enjoys playing and watching sports, spending time with friends and family (Uncle to two nieces and two nephews), and following the Arizona Wildcats and Iowa Hawkeyes.
Securities Agent: MD, DC, VA, OK, KS, DE, HI, MS, MO, MI, LA, WA, RI, NY, FL, CA, AR, OH, MT, KY, ID, WI, VT, MA, AZ, TX, NE, NC, IL, SC, OR, GA, TN, SD, NM, CO, WY, PA, ND, IN, IA, CT, AL, UT, NV, NJ, MN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1410245
CA Insurance License #: 0L09838
NMLS#: 1410245
CA Insurance License #: 0L09838
About Shannon Soto
Shannon Soto has been with Morgan Stanley since 2007. Her collaboration with Chip has spanned since 2013.
Originally hailing from the picturesque Mammoth Lakes, CA, Shannon relocated to Tucson in 2002 to pursue her education at the University of Arizona. There, she achieved her Bachelor of Arts in Economics. Subsequently, Shannon further honed her skills, earning her MBA from the University of Phoenix.
Originally hailing from the picturesque Mammoth Lakes, CA, Shannon relocated to Tucson in 2002 to pursue her education at the University of Arizona. There, she achieved her Bachelor of Arts in Economics. Subsequently, Shannon further honed her skills, earning her MBA from the University of Phoenix.
Contact Chip McLaughlin
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Contact Thomas S. McGeorge
Wealth Management
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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 McGeorge McLaughlin 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.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Morgan 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.
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.
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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 and other legal matters.
13Morgan 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.
14When 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Investors 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.
17Morgan 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
18Investors 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.
19Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
20Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Morgan 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.
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.
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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 and other legal matters.
13Morgan 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.
14When 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Investors 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.
17Morgan 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
18Investors 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.
19Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
20Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
