Sean McKeever, CFP®
Senior Vice President, Financial Advisor
Phone:
(215) 963-3870(215) 963-3870
The McKeever Comber Group at Morgan Stanley
Direct:
(215) 963-3976(215) 963-3976
Toll-Free:
(800) 233-1414(800) 233-1414
Our Mission Statement
Providing honest and experienced advice that strives to help you make sound investment decisions and feel at ease with your finances
Welcome
Our mission is to help make your wealth work as hard as it can. To accomplish this goal, we must ask the right questions, find appropriate strategies and put all of our experience and resources at Morgan Stanley to work for you. You can count on us to understand the life you envision, and only then can we help create wealth management strategies aimed at meeting the objectives that matter most to you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Here at the Mckeever Comber Group, we believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft solutions that are designed to help you meet your individual financial needs:
1. Develop a thorough understanding of your financial goals and objectives
2. Review and analyze your current financial situation
3. Identify and tailor solutions that can help you meet your individual needs
4. Implement your customized strategy, including personalized services and benefits
5. Review your strategy, meeting periodically to discuss your goals and needs
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
- Personal and highly individualized. We are committed to helping you achieve financial success
- Flexible and responsive to changes in your life and in your priorities over time
- Comprehensive in covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
1. Develop a thorough understanding of your financial goals and objectives
2. Review and analyze your current financial situation
3. Identify and tailor solutions that can help you meet your individual needs
4. Implement your customized strategy, including personalized services and benefits
5. Review your strategy, meeting periodically to discuss your goals and needs
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
- Personal and highly individualized. We are committed to helping you achieve financial success
- Flexible and responsive to changes in your life and in your priorities over time
- Comprehensive in covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
Why Choose a Morgan Stanley Financial Advisor
Investing can be complicated. Choosing a Financial Advisor shouldn’t be.
Click Here to Read More
5 Reasons DIY Investors Choose Morgan Stanley Financial Advisors
You’ve done well managing your own investments so far. Professional financial advice can help you go further.
Click Here to Read MoreOur Clients
At the McKeever Comber Group, we work with individuals and families from all backgrounds and across all professions. Two types of clients we like to emphasize are individuals in the pharmaceutical industry and divorcees.
Corporate Executives
Corporate executives may require different investment strategies than your typical investor.
The McKeever Comber Group can help navigate your specific circumstances with your company and create a well-rounded investment strategy for you.
Corporate Stock Diversification
• Implementing strategies to diversify concentrated stock positions while considering blackout periods and restrictions to manage your risk
Executive Compensation Strategy
• Tailoring investment plans to complement the executive's unique compensation structure, such as stock options, bonuses, and performance-based incentives.
Tax-Efficient Portfolio Management
• Designing portfolios with a focus on minimizing tax implications for executives facing complex tax scenarios due to stock grants, deferred compensation, and other executive benefits.
Succession Planning for Executive Wealth
• Collaborating on a personalized succession plan, addressing the intricacies of passing on executive wealth, including stock holdings, deferred compensation, and executive benefits, to future generations.
Public Company ExecutivesThe McKeever Comber Group can help navigate your specific circumstances with your company and create a well-rounded investment strategy for you.
Corporate Stock Diversification
• Implementing strategies to diversify concentrated stock positions while considering blackout periods and restrictions to manage your risk
Executive Compensation Strategy
• Tailoring investment plans to complement the executive's unique compensation structure, such as stock options, bonuses, and performance-based incentives.
Tax-Efficient Portfolio Management
• Designing portfolios with a focus on minimizing tax implications for executives facing complex tax scenarios due to stock grants, deferred compensation, and other executive benefits.
Succession Planning for Executive Wealth
• Collaborating on a personalized succession plan, addressing the intricacies of passing on executive wealth, including stock holdings, deferred compensation, and executive benefits, to future generations.
Small Business Owners
From starting a business to business succession planning, we are here for you on your entrepreneurial endeavors. Having a supportive team of stakeholders, including your family and wealth advisors, can help you consider the right option for the business.
Startup Financial Guidance
• Advising on funding options and financial structuring for a solid start, considering personal and business risk tolerance, budgeting, and initial capital requirements.
Financial Management Support
• Providing ongoing financial analysis, budgeting assistance, and cash flow management to help the small business owner make informed decisions for sustainable growth and profitability.
Succession Planning for Business Continuity
• Collaborating on a succession plan, ensuring a smooth transition of ownership or management, considering family dynamics, key employee involvement, and the owner's long-term financial objectives
Business PlanningStartup Financial Guidance
• Advising on funding options and financial structuring for a solid start, considering personal and business risk tolerance, budgeting, and initial capital requirements.
Financial Management Support
• Providing ongoing financial analysis, budgeting assistance, and cash flow management to help the small business owner make informed decisions for sustainable growth and profitability.
Succession Planning for Business Continuity
• Collaborating on a succession plan, ensuring a smooth transition of ownership or management, considering family dynamics, key employee involvement, and the owner's long-term financial objectives
Pharmaceutical Industry
Just like any other industry, pharmaceutical and biotech professionals face countless unique obstacles with their finances.
Our group assists our pharmaceutical clients by:
• Handling stock options, deferred compensation, stock purchase plans, restricted stock units and other forms of equity compensation
• Planning for retirement and forecasting income leading up to and during retirement
• Utilizing tax-efficient investing and tax saving strategies
• Assessing insurance coverage
Here at the McKeever Comber Group, we are focused on streamlining your financial life with a consistent, all-encompassing investment strategy. We attentively observe all occurrences within the pharmaceutical industry and constantly look to optimize our clients’ portfolios.
Planning for the Rising Cost of Health CareOur group assists our pharmaceutical clients by:
• Handling stock options, deferred compensation, stock purchase plans, restricted stock units and other forms of equity compensation
• Planning for retirement and forecasting income leading up to and during retirement
• Utilizing tax-efficient investing and tax saving strategies
• Assessing insurance coverage
Here at the McKeever Comber Group, we are focused on streamlining your financial life with a consistent, all-encompassing investment strategy. We attentively observe all occurrences within the pharmaceutical industry and constantly look to optimize our clients’ portfolios.
Tech Industry Professionals
Having a career in the emerging and ever-dynamic tech industry can involve career transitions and can be supported with tailored financial planning. The McKeever Comber Group can assist those in this industry with the following specialties:
Equity Compensation Guidance
• Offer strategies for navigating various equity compensation structures, ensuring the tech professional optimizes stock options and equity grants within their overall financial plan.
Tax-Efficient Wealth Management
• Provide personalized tax planning strategies that considers the tech professional's unique income streams, including consulting on tax-efficient investment strategies and managing tax implications related to the tech industry.
Financial Planning for Career Milestones
• Assist in creating a holistic financial plan that adapts to career changes, such as promotions, job switches, or entrepreneurial endeavors, helping the tech professional align their finances with evolving professional goals.
Equity Compensation Guidance
• Offer strategies for navigating various equity compensation structures, ensuring the tech professional optimizes stock options and equity grants within their overall financial plan.
Tax-Efficient Wealth Management
• Provide personalized tax planning strategies that considers the tech professional's unique income streams, including consulting on tax-efficient investment strategies and managing tax implications related to the tech industry.
Financial Planning for Career Milestones
• Assist in creating a holistic financial plan that adapts to career changes, such as promotions, job switches, or entrepreneurial endeavors, helping the tech professional align their finances with evolving professional goals.
Outlooks & Updates
Here at the McKeever Comber Group, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
GIC on the Markets Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Read: "GIC Weekly"
Andrew Sheets: Thoughts on the Market
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, shares podcasts offering perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes. Click the link below to listen to the latest edition.
This Week's Podcast with Andrew Sheets
Mike Wilson: Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
This Week's Podcast with Mike Wilson
2025 Tax Tables
Click Here to Read More
Retirement Plan Maximum Benefit and Contribution Limits for 2025
Click Here for More Information
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China’s underperformance restrains emerging markets.
Click Here to Read More
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025.
Check back soon for details on upcoming events.
Location
1650 Market St
42nd Fl
Philadelphia, PA 19103
US
Direct:
(215) 963-3976(215) 963-3976
Toll-Free:
(800) 233-1414(800) 233-1414
Meet The McKeever Comber Group
Michael Comber, CFP®
Senior Vice President, Financial Advisor
Phone:
(215) 963-3976(215) 963-3976
Amanda Wasson
Client Service Associate
Phone:
(215) 963-3932(215) 963-3932
About Sean McKeever
Sean has been a Financial Advisor with Morgan Stanley for over 25 years. He is a Senior Vice President and Certified Financial Planner®. A native of Ocean City, NJ, Sean holds a Bachelor of Business Administration from Loyola University and lives in Haddonfield, NJ with his wife Gabrielle and their four children Jack, Gavin, Julia, and Kylie.
Securities Agent: MT, NV, ID, DC, CO, CA, ME, VT, NJ, FL, DE, CT, SC, NH, AZ, AL, RI, MA, IN, WA, TX, OR, NY, IL, HI, GA, VA, MD, PA, OH, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1264995
NMLS#: 1264995
About Michael Comber
Mike has been a Financial Advisor with Morgan Stanley for over 20 years. He is a Senior Vice President and Certified Financial Planner®. A native of Philadelphia, Mike holds a Bachelor of Science Degree in Finance and Management Information Systems from LaSalle University and lives in Cherry Hill, NJ with his wife Kate and their two daughters Emily and Hannah.
Securities Agent: MT, ME, MA, IL, SC, RI, NY, NV, WA, TX, OH, NJ, ID, GA, DE, PA, DC, VT, OR, NC, IN, FL, NH, CT, MD, AZ, CO, CA, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1264961
NMLS#: 1264961
About Amanda Wasson
Amanda is a Client Service Associate supporting The McKeever Comber Group. Amanda joined the industry in 2013, and began supporting Sean and Mike in 2019. Amanda focuses on maintaining effective client relationships and providing operational, administrative, and account maintenance services. She provides detail oriented and efficient support to both the team and their clients.
Amanda has a Bachelor’s of Science from Jefferson University in Philadelphia.
Amanda has a Bachelor’s of Science from Jefferson University in Philadelphia.
Contact Sean McKeever
Contact Michael Comber
Hear From Our Clients
I have been working With Mike and the team for nearly two decades. I started the partnership because I wanted to plan for my family's financial future. I have maintained this partnership because of trust, communication, and alignment. Mike proactively keeps me informed, works the plan, and is incredibly responsive as things change with my goals, career, family, or the market. I know he and the team have my family's best interests in mind.
Joe
Verified ClientJanuary 21, 2025
I was introduced to Michael Comber by my Administrative Assistant and friend some 13 years ago. At that time, I was retiring and had also just received a degree in finance. I needed a Financial Advisor with whom I could discuss my, sometimes, outlandish financial ideas. With Michael I find understanding, compatibility, dependability. He listens and points out the pros and cons of my thinking and provides the information I need to make informed decisions regarding my financial future.
Olivia
Verified ClientJanuary 21, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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
Lewis Harrison
Private Banker
Lauren Akers
Private Banker
About Lewis Harrison
Lewis Harrison is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Lewis began his career in financial services in 2006 and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was an Internal Banking Specialist at the Bank of America/Merrill Lynch. He also served as an Investment Service Advisor with the Merrill Lynch Financial Advisory Center.
Lewis is a graduate of the University of Kansas, where he received a Bachelor of Science in Communications and Economics. While at the University of Kansas, Lewis played guard on the school’s basketball team which reached the Final Four in 2002. He lives in Fort Washington, Pennsylvania with his family. Outside of the office, Lewis supports all Kansas City sports teams, enjoys beach vacations, 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.
Lewis began his career in financial services in 2006 and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was an Internal Banking Specialist at the Bank of America/Merrill Lynch. He also served as an Investment Service Advisor with the Merrill Lynch Financial Advisory Center.
Lewis is a graduate of the University of Kansas, where he received a Bachelor of Science in Communications and Economics. While at the University of Kansas, Lewis played guard on the school’s basketball team which reached the Final Four in 2002. He lives in Fort Washington, Pennsylvania with his family. Outside of the office, Lewis supports all Kansas City sports teams, enjoys beach vacations, and spending time with family and friends.
NMLS#: 807981
About Lauren Akers
Lauren Akers is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Lauren began her career in financial services in 2011 and joined Morgan Stanley in 2013 with the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, New Jersey.
Outside of the office, Lauren dedicates her time to her family and several volunteer activities. She also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping, traveling, and going to the beach. Lauren remains active by exercising and participating in 5K runs.
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.
Lauren began her career in financial services in 2011 and joined Morgan Stanley in 2013 with the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, New Jersey.
Outside of the office, Lauren dedicates her time to her family and several volunteer activities. She also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping, traveling, and going to the beach. Lauren remains active by exercising and participating in 5K runs.
NMLS#: 1457897
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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 McKeever Comber Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Investors 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Investors 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
