EJ Militti, CAP®
Senior Vice President, Wealth Management, Financial Advisor, Chartered Advisor in Philanthropy, Portfolio Manager
Phone:
(402) 399-1513(402) 399-1513
The Militti Group at Morgan Stanley
Direct:
(402) 399-1518(402) 399-1518
Our Mission Statement
The Militti Group is a team built on family, legacy, and loyalty. Your goals are our focus, and achieving them is the commitment we make to you.
The Militti Group
Founded in 1976, we are a seasoned family practice in every sense. As an established father-son-daughter advisory team, we offer a unique and personalized approach to investment management and legacy planning. Beyond retirement planning and financial planning, we focus on serving the specialized needs of high net worth families, foundations and endowments in Omaha and across the country and leverage Morgan Stanley’s exclusive resources.
As a multigenerational team helping multigenerational families, we understand the importance of family and the financial freedom to pursue personal interests. We have acquired the knowledge and skills necessary to serve as your single point of contact for all your family wealth needs. Above all, we deliver a dynamic approach to estate planning strategies that not only offers continuity, but a balance of perspectives that help you – and your children – make more informed, confident decisions about your family’s wealth now and in the future.
We are committed to earning your trust and confidence every day through a powerful combination of experience, education and empathy.
As a multigenerational team helping multigenerational families, we understand the importance of family and the financial freedom to pursue personal interests. We have acquired the knowledge and skills necessary to serve as your single point of contact for all your family wealth needs. Above all, we deliver a dynamic approach to estate planning strategies that not only offers continuity, but a balance of perspectives that help you – and your children – make more informed, confident decisions about your family’s wealth now and in the future.
We are committed to earning your trust and confidence every day through a powerful combination of experience, education and empathy.
Services Include
- Retirement PlanningFootnote1
- Wealth PlanningFootnote2
- Business Succession PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Cash Management and Lending ProductsFootnote5
- Trust Services*
- Alternative InvestmentsFootnote6
- Endowments and FoundationsFootnote7
- Life InsuranceFootnote8
- Divorce Financial AnalysisFootnote9
- Executive Benefit ServicesFootnote10
- Municipal BondsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process - The Militti Method
We can help you with a particular financial need or create a comprehensive plan that takes all of your financial needs and goals into account. Our method looks at your wealth from all sides. This leads to solutions that not only have the ability to help you achieve your financial goals but also to transcend them and safeguard against unforeseen life events.
Step 1: Discovery & Goal Setting
Let's begin with a thorough discussion to explain and ascertain your needs, wants, and values. It is important to us that we have a thorough understanding of every facet of your life that affects your financial goals and decisions. Every financial strategy should be unique because everyone is different.
Step 2: Analysis, Strategy & Planning
To conduct a full assessment of your financial situation, we make use of a range of financial planning and risk analysis tools. We then implement up a comprehensive financial plan that will help you accumulate, safeguard, and transfer wealth in line with your objectives.
Step 3: Implementation
Your assets will be transferred to Morgan Stanley once you give your approval. We start implementing the additional techniques we described in your plan once they are in line with your tailored investment strategy.
Step 4: Ongoing Monitoring
Our relationship with you is extremely important to us, and we want to keep it that way. We communicate with you frequently to provide account updates. Additionally, we keep tabs on how well you're doing in achieving each of your objectives and adjust your financial plan as need when your circumstances change.
Modern Wealth Digital Tools
The wide range of digital tools provided by Morgan Stanley have been carefully compiled to aid in enhancing each component of your financial portfolio. Learn more about a few of the many resources we offer our clients for contemporary wealth management.
Morgan Stanley Online (MSO)
With Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App, managing your assets and daily finances is never more than a few clicks away. Access your funds and connect with your financial advisor at any time, today.
Learn More About MSO
Aladdin - Portfolio Risk Platform
With BlackRock's Aladdin risk engine, which is a cutting-edge, innovative risk engine used by some of the largest institutional asset managers in the world, Morgan Stanley's Portfolio Risk Platform gives you comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. You can boost your confidence when making informed financial selections with the help of this practical tool.
Learn More About Aladdin
Total Wealth View
Total Wealth View can help you complete your financial picture. Your financial planning will be more informed, your data access will be more secure, and you'll have easier connectivity if you link your accounts. With TWV, your financial planning strategy only becomes more secure.
Learn More About Total Wealth View
Goals-Based Planning System (GPS)
The best method to get guidance and create a well-rounded wealth strategy is to work with Morgan Stanley and its cutting-edge asset management technology. Learn more about the benefits of utilizing our cutting-edge planning technology to assist you in achieving any financial objectives you may have.
Learn More About GPS
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.
Get Started Today
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security CenterPlanning For Your Family's Financial Needs & Goals
Through each stage of your financial life, we can help assist you in managing the complexity of it all.
Tax Management
There are many tax-smart strategies for your financial plan. We'll help you make the tax decisions today that can help you save for years to come.
Learn More
Trust & Estate Planning
Along the way, we will be by your side. We will examine your tax and estate planning to ensure that your asset allocation analysis appropriately reflects your tax and estate planning's tax features.
Learn More
Philanthropic Planning
Your list of charitable goals is as unique as your idea of what a better world looks like. However, choosing your goals might be difficult when there are so many deserving causes and unmet needs. We can help guide you through this process. Let's talk about how.
Learn More
Intergenerational Wealth Planning
Our familial team dynamic enables us to carry a various number of specialties. We understand family wealth, and we are experienced for every stage of life. Obstacles are a part of life, and we can help you create a financial plan with those setbacks in mind.
Learn More
Wealth Education
No matter their age, adult children should be involved in the discussion about family finances. Although it's not always simple, having the conversation is an important first step in long-term wealth planning.
Learn MoreLegacy Planning
Life happens, and unexpected occurrences can happen at any time. The good news is there are best practices in legacy & estate planning that can better prepare you for the unforeseen. Multigenerational wealth creators are often challenged with difficult financial considerations that have a large impact on the size and scope of their legacy.
We provide you with accessibility to seasoned professionals who can discuss various tax, trust, and estate planning options with you and your personal advisers, aid with their execution, and concentrate on the integration of your investment plans in order to help with these concerns.
We provide you with accessibility to seasoned professionals who can discuss various tax, trust, and estate planning options with you and your personal advisers, aid with their execution, and concentrate on the integration of your investment plans in order to help with these concerns.
Services Available Include:
- Working with you and your external advisors to construct tailored tax & estate strategies..
- Assessing and discussing your existing estate plans and identifying areas of improvement.
- Guiding & educating you with general tax and estate planning strategies that align with your needs, goals, outlook, and concerns. .
- Making you aware of market volatility & adjusting your plan when necessary.
Location
13625 California St.
Suite 400
Omaha, NE 68154
US
Direct:
(402) 399-1518(402) 399-1518
Fax:
(402) 399-6336(402) 399-6336
Meet The Militti Group
Carroll Militti Hacker, CFP®
First Vice President, Wealth Management, Financial Advisor, Portfolio Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(402) 399-1518(402) 399-1518
Edward J. Militti, Sr.
Senior Vice President, Financial Advisor
Phone:
(402) 399-1542(402) 399-1542
Drew Fox
Client Service Associate
Phone:
(402) 399-1516(402) 399-1516
About EJ Militti, CAP®
EJ brings a lifetime of experience to his role as a wealth management professional. His diverse background enables him to help highly successful executives, families and business owners understand the intricate details of their personal wealth. He focuses on what is most important to each family, so he can develop strategies that help simplify their financial lives and leave the legacies they desire. EJ brings both breadth and depth of experience to multi-generational wealth transfer solutions. He enjoys helping clients articulate their personal principles and values, so they may be honored and passed down to future generations.
Over the years, EJ has remained committed to professional development. He earned a B.S. degree in Finance from the University of Nebraska-Lincoln and his M.B.A. from Creighton University. In 2013, he was named a Portfolio Manager by Morgan Stanley.
Additionally in 2017 EJ earned his Chartered Adviser in Philanthropy designation (CAP circle r), giving him the ability to leverage his skills to create tax strategies, tools, and techniques for philanthropic goals. Advise wealthy families and family offices on important financial matters, including business exit planning, estate planning, and legacy planning. Handle gift planning for nonprofits and high-capacity donors or philanthropists.
EJ currently lives in Omaha with his daughter, Sadie. When he’s not assisting clients or visiting with family and friends, EJ enjoys freshwater and saltwater fly-fishing. He is an ardent supporter of Nebraska Cornhusker and Creighton Bluejay athletics.
Over the years, EJ has remained committed to professional development. He earned a B.S. degree in Finance from the University of Nebraska-Lincoln and his M.B.A. from Creighton University. In 2013, he was named a Portfolio Manager by Morgan Stanley.
Additionally in 2017 EJ earned his Chartered Adviser in Philanthropy designation (CAP circle r), giving him the ability to leverage his skills to create tax strategies, tools, and techniques for philanthropic goals. Advise wealthy families and family offices on important financial matters, including business exit planning, estate planning, and legacy planning. Handle gift planning for nonprofits and high-capacity donors or philanthropists.
EJ currently lives in Omaha with his daughter, Sadie. When he’s not assisting clients or visiting with family and friends, EJ enjoys freshwater and saltwater fly-fishing. He is an ardent supporter of Nebraska Cornhusker and Creighton Bluejay athletics.
Securities Agent: IL, AZ, OH, NY, NV, TX, SD, MN, TN, CA, UT, SC, MI, DE, WA, IA, FL, CO, NJ, NC, ME, MT, NE, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261988
NMLS#: 1261988
About Carroll Militti Hacker
With more than 20 years of experience, Carroll is a seasoned Portfolio Manager, Financial Advisor, and CERTIFIED FINANCIAL PLANNER™ at The Militti Group at Morgan Stanley. She works with a variety of professionals, families and business owners, but especially with women managing life-changing events, such as divorce or the loss of a spouse. She enjoys providing highly personalized advice and tailored investment strategies that are aligned with each client’s goals and investment horizon.
As a discretionary Portfolio Manager within the firm’s distinguished Portfolio Management Program, Carroll has developed a deep and thorough understanding of the world’s financial markets and how various economic conditions impact those markets. She believes investing should be based on a strategy that is easy to understand and implement. Through a goals-based process and world-class resources, Carroll works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring their lives joy.
Throughout her career, Carroll has been dedicated to continuing education for herself and her clients. After earning her B.S. degree in Finance with a minor in International Business from the University of Nebraska-Lincoln, she continued her studies, receiving her M.B.A. in Management from Loyola University in Chicago. In 2018, Carroll earned the CFP® designation from Certified Financial Planner Board of Standards. This certification is the recognized standard of excellence for personal financial planning.
Outside of the office, Carroll spends as much time as she can with her husband, four young adult children, and two Goldendoodles.
As a discretionary Portfolio Manager within the firm’s distinguished Portfolio Management Program, Carroll has developed a deep and thorough understanding of the world’s financial markets and how various economic conditions impact those markets. She believes investing should be based on a strategy that is easy to understand and implement. Through a goals-based process and world-class resources, Carroll works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring their lives joy.
Throughout her career, Carroll has been dedicated to continuing education for herself and her clients. After earning her B.S. degree in Finance with a minor in International Business from the University of Nebraska-Lincoln, she continued her studies, receiving her M.B.A. in Management from Loyola University in Chicago. In 2018, Carroll earned the CFP® designation from Certified Financial Planner Board of Standards. This certification is the recognized standard of excellence for personal financial planning.
Outside of the office, Carroll spends as much time as she can with her husband, four young adult children, and two Goldendoodles.
Securities Agent: FL, AZ, CO, WA, NY, NE, MI, IL, GA, TX, SD, NC, CA, DE, ME, IN, IA, UT, OH, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288125
CA Insurance License #: 876995
NMLS#: 1288125
CA Insurance License #: 876995
About Edward J. Militti, Sr.
A successful Financial Advisor, former Branch Manager and founding partner of The Militti Group, Ed is proud to be a vital member of Morgan Stanley’s history and its predecessor brands for more than 45 years. This rare tenure has enabled him to build longstanding relationships with the firm’s senior leaders.
An industry veteran, Ed draws upon his unique management and investment experience to provide clients with tailored financial advice and customized portfolios. His approach begins with a face-to-face meeting to fully understand each client’s specific goals, personal values and family circumstances. This information serves as the foundation for the development of a comprehensive financial plan that includes a sophisticated approach to estate planning, asset allocation, alternative investments and retirement strategies. He is committed to long-term relationships. He listens carefully to clients’ goals, values and concerns and works tirelessly to help them achieve their personal financial objectives.
Ed received both his M.B.A. and undergraduate degree in Finance from Creighton University. He also attended an advanced consulting certification program from the University of Pennsylvania’s Wharton School of Business. A native of Omaha, Ed enjoys the outdoors, specifically hunting and fly-fishing. Favorite leisure activities include golfing and spending time with his grandchildren.
An industry veteran, Ed draws upon his unique management and investment experience to provide clients with tailored financial advice and customized portfolios. His approach begins with a face-to-face meeting to fully understand each client’s specific goals, personal values and family circumstances. This information serves as the foundation for the development of a comprehensive financial plan that includes a sophisticated approach to estate planning, asset allocation, alternative investments and retirement strategies. He is committed to long-term relationships. He listens carefully to clients’ goals, values and concerns and works tirelessly to help them achieve their personal financial objectives.
Ed received both his M.B.A. and undergraduate degree in Finance from Creighton University. He also attended an advanced consulting certification program from the University of Pennsylvania’s Wharton School of Business. A native of Omaha, Ed enjoys the outdoors, specifically hunting and fly-fishing. Favorite leisure activities include golfing and spending time with his grandchildren.
Securities Agent: DE, IL, NC, CO, UT, CA, OH, MI, IA, FL, AZ, ME, TX, SD, NY, GA, WA, NE, MN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Drew Fox
Drew Fox began working for The Militti Group shortly after graduating from the University of Nebraska in Lincoln, NE. He studied Finance and Marketing, which helped to grow his passion for a relationship-driven career in the financial services industry. Like the Milittis, Drew aims to bring clarity to clients’ lives through effective communication and implementation of a strategic financial plan.
Outside of work, Drew spends his free time with family and friends watching sports and the latest streaming shows. He especially enjoys this and anything else when he can do it with his dogs, Herbie, a Pembroke-Welsh Corgi, and Henry, a Golden Retriever.
Outside of work, Drew spends his free time with family and friends watching sports and the latest streaming shows. He especially enjoys this and anything else when he can do it with his dogs, Herbie, a Pembroke-Welsh Corgi, and Henry, a Golden Retriever.
Contact EJ Militti, CAP®
Contact Carroll Militti Hacker
Contact Edward J. Militti, Sr.
Wealth Management
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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
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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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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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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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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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 Militti 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 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.
3Morgan 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.
4Morgan 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.
5Morgan 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
6Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10When 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.
11Municipal 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.
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 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.
3Morgan 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.
4Morgan 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.
5Morgan 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
6Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10When 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.
11Municipal 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
