D. Corey Moore
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(612) 371-8870(612) 371-8870
The Moore Group at Morgan Stanley
Direct:
(612) 340-6744(612) 340-6744
Toll-Free:
(800) 786-6770(800) 786-6770
Our Mission Statement
We are committed to our purpose of serving the financial needs of our clients through high-quality personal service and saving you time so that you can focus on what’s most important to you. We strive to develop lifelong client relationships based on a foundation of integrity and respect.
Our Process, Your Journey
Our team of experienced wealth management professionals are dedicated to building and preserving wealth for our clients through a comprehensive retirement planning process backed by a high level of personalized service. We help our clients achieve their financial goals by understanding their needs, goals and circumstances and develop a comprehensive financial plan to achieve those goals, while tracking the progress along the way. Our areas of focus include investment management, customized asset allocation, financial planning, retirement income planning, insurance and lending capabilities. We are experienced in working with high net worth attorneys, corporate executives, physicians, individuals and families.
For nearly two decades, we have worked with our clients to understand the specific challenges they face when planning for retirement and other financial objectives and have a well-defined process to help achieve their long-term goals. We take pride in our commitment to building successful and lasting relationships with our clients and aim to simplify their lives so they don’t have to worry about their finances and can focus on the aspects of their life that are most important to them.
For nearly two decades, we have worked with our clients to understand the specific challenges they face when planning for retirement and other financial objectives and have a well-defined process to help achieve their long-term goals. We take pride in our commitment to building successful and lasting relationships with our clients and aim to simplify their lives so they don’t have to worry about their finances and can focus on the aspects of their life that are most important to them.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Asset Management
- Business PlanningFootnote4
- Cash ManagementFootnote5
- Alternative InvestmentsFootnote6
- AnnuitiesFootnote7
- 529 PlansFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Counsel for Successful Attorneys
Attorneys are unique when it comes to their finances. Yes, they typically participate in 401(k) plans, but they may also be required to participate in plans that combine the features of defined contribution and defined benefit plans – 401(k) and cash balance retirement plans, for example. While saving in these vehicles reduce current tax liability, they substantially limit investment options, decrease cash flow, and limit funds available to invest independently. Moreover, they may ironically impact your long term wealth and retirement income.
At the Moore Group, we understand the retirement benefits at most law firms and the unique financial challenges faced by attorneys. We have helped partners at some of the most prestigious firms in the country to address the following issues:
At the Moore Group, we understand the retirement benefits at most law firms and the unique financial challenges faced by attorneys. We have helped partners at some of the most prestigious firms in the country to address the following issues:
Lack of a Comprehensive Retirement Plan
• Do you have a clear strategy to reach your retirement goals?
• Are you efficiently allocating contributions to the right kind of accounts?
• Are your insurance coverage decisions coordinated with your overall assets?
• Are you on track to have the retirement income you desire?
There may be several changes you could be making now to potentially significantly improve your future results.
• Are you efficiently allocating contributions to the right kind of accounts?
• Are your insurance coverage decisions coordinated with your overall assets?
• Are you on track to have the retirement income you desire?
There may be several changes you could be making now to potentially significantly improve your future results.
Lack of Diversification and Choice
• Do managers of US equity portfolios with ostensibly different strategies own many of the same stocks?
• Does your firm retirement plan include funds with low correlation to the public stock market?
Many institutional and high net worth investors incorporate an allocation to alternative investments, when appropriate.
• Does your firm retirement plan include funds with low correlation to the public stock market?
Many institutional and high net worth investors incorporate an allocation to alternative investments, when appropriate.
Lack of Coordination
• Are the investments in your firm retirement plan coordinated with your other investment accounts?
Chances are, you’ve developed an asset allocation for your 401(k) plan and any other investment accounts you maintain outside of your firm.
Your overall allocation is a reflection of your timeframe and risk tolerance, and is often seen as one of the most important determinant of portfolio performance.
Chances are, you’ve developed an asset allocation for your 401(k) plan and any other investment accounts you maintain outside of your firm.
Your overall allocation is a reflection of your timeframe and risk tolerance, and is often seen as one of the most important determinant of portfolio performance.
Our 4 Step Process
The hallmark of our wealth management process is a longstanding commitment to building customized strategies from the ground up, utilizing our experience, wisdom and the intellectual capital of Morgan Stanley. Our goals-based approach leads to strategies that are not only designed to help reach specific financial targets, but are reflective of who you are and how you plan to enjoy the wealth you’ve worked hard to achieve.
Establish Financial Objectives
We work with you to establish a realistic set of objectives based on:
• Your financial goals
• Time horizon
• Liquidity needs
• Tolerance to volatility and risk
• Your financial goals
• Time horizon
• Liquidity needs
• Tolerance to volatility and risk
Define an Investment Strategy
We develop an investment strategy designed to help produce optimal portfolio performance based on a coordinated management of firm plans and accounts managed at Morgan Stanley.
We strive to generate the highest return potential consistent with the strategy’s level of risk.
We strive to generate the highest return potential consistent with the strategy’s level of risk.
Evaluate and Select Investments
We leverage the global resources of Morgan Stanley to identify and select appropriate investments and test each recommendation before implementing to your personalized strategy.
Ongoing Review Process
We monitor your portfolio to track its performance relative to your stated objectives.
We can modify the portfolio on a discretionary basis as your needs and circumstances change over time, if appropriate for your situation.
We can modify the portfolio on a discretionary basis as your needs and circumstances change over time, if appropriate for your situation.
Financial Planning
We provide comprehensive wealth management services for our high net worth clients.
Our Financial Planning process is the core of what we do and it provides a platform to help uncover clients’ needs and obstacles to achieving their goals.
We approach clients’ needs in a consultative manner, providing non-biased advice and possible solutions.
Our Financial Planning process is the core of what we do and it provides a platform to help uncover clients’ needs and obstacles to achieving their goals.
We approach clients’ needs in a consultative manner, providing non-biased advice and possible solutions.
What are your goals for retirement?
Your income has most likely increased significantly over the past 10 years. However, there are key decisions you need to be making now that may have a meaningful impact on your long term wealth.
Our approach to wealth and financial planning focuses on helping you make the right decisions to reach your goals and maximize wealth and income in retirement by looking at the following:
• Developing an optimal mix of contributions to 401(k) plans, IRA's, and after tax investment accounts.
• Do you have access to investment strategies with limited correlation with public equities, such as alternative investments, if appropriate for your situation?
• Is there overlap in holdings between accounts?
• Are the type of investments optimized by account type?
• Can your overall asset allocation help achieve your financial goals?
• Are you taking on more risk than you expected?
• Do you have enough Insurance coverage based on current financial needs?
• How much do you need to live comfortably in retirement?
• Reviewing other sources of income in retirement in addition to your portfolio (for example, Social Security, pensions, annuity income, part-time employment).
Asset allocation and diversification do not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Our approach to wealth and financial planning focuses on helping you make the right decisions to reach your goals and maximize wealth and income in retirement by looking at the following:
• Developing an optimal mix of contributions to 401(k) plans, IRA's, and after tax investment accounts.
• Do you have access to investment strategies with limited correlation with public equities, such as alternative investments, if appropriate for your situation?
• Is there overlap in holdings between accounts?
• Are the type of investments optimized by account type?
• Can your overall asset allocation help achieve your financial goals?
• Are you taking on more risk than you expected?
• Do you have enough Insurance coverage based on current financial needs?
• How much do you need to live comfortably in retirement?
• Reviewing other sources of income in retirement in addition to your portfolio (for example, Social Security, pensions, annuity income, part-time employment).
Asset allocation and diversification do not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
TOOLS AND RESEARCH
Here at The Moore Group, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about firm offerings, our services, the latest market trends, outlooks, and breakdowns. The links below provide detailed information and analysis on interesting topics that are affecting the firm, finance, and business worlds.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn more and log in:
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 the latest edition here:
Global Investment Committee: Weekly Updates
A weekly 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 the latest edition here:
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.
Listen Here:
Family Office Resources
Reflecting on how the most successful families create and maintain enduring legacies across multiple generations, Morgan Stanley Family Office Resources (FOR) is structured to help clients define a guiding vision, translate that vision into effective strategies and implement those strategies by calling on the tactical expertise of experienced experts. Accessed by Morgan Stanley advisors through UHNW Client Specialists, our capabilities span three complementary areas of focus: Governance & Legacy, Wealth Strategies and Signature Access.
Learn more:Location
225 South 6th St
Ste 5300
Minneapolis, MN 55402
US
Direct:
(612) 340-6744(612) 340-6744
Toll-Free:
(800) 786-6770(800) 786-6770
Fax:
(612) 340-1773(612) 340-1773
Meet The Moore Group
Michelle Irwin
Financial Advisor, Financial Planning Specialist
Phone:
(612) 340-6793(612) 340-6793
About D. Corey Moore
An experienced Financial Advisor since 2003, Corey has helped counsel attorneys, individuals and families to achieve their long-term goals through comprehensive financial planning, advice and guidance. Utilizing skills developed working as Chief Executive for a large distributor of hi-tech manufacturing systems, Corey offers his clients a combination of knowledge, dedication and personal service. He began his career as an advisor at RBC Wealth Management where he achieved the Summit Award for Excellence in Financial Consulting for four years in a row. There, he built his practice serving the needs of attorney clients. Moving to Morgan Stanley in 2009, fulfilled his desire to provide clients with a full range of financial services, resources and investment platforms well suited for his attorney client focus. Corey believes his team can provide value-added services from a disciplined focus on understanding the specific challenges attorneys face when planning for retirement and other financial objectives.
A native of Wisconsin, Corey is a graduate of University of Wisconsin-Lacrosse with a BS in Business Administration. He currently resides in Plymouth, MN with his wife, Liz. They have four children, Sophia, Samuel, Cecilia, and Elijah. Corey is an active member of his community and enjoys coaching youth hockey and other youth sports.
Education
BA, 1985, University of Wisconsin, LaCrosse, WI
Series 7 - General Securities Representative
Series 63 - Uniform State Exam
Insurance Licensed
Experience
2009 - Present: Morgan Stanley
First Vice President
Minneapolis, MN
2003 - 2009: RBC Capital Markets
Financial Consultant
Minneapolis, MN
A native of Wisconsin, Corey is a graduate of University of Wisconsin-Lacrosse with a BS in Business Administration. He currently resides in Plymouth, MN with his wife, Liz. They have four children, Sophia, Samuel, Cecilia, and Elijah. Corey is an active member of his community and enjoys coaching youth hockey and other youth sports.
Education
BA, 1985, University of Wisconsin, LaCrosse, WI
Series 7 - General Securities Representative
Series 63 - Uniform State Exam
Insurance Licensed
Experience
2009 - Present: Morgan Stanley
First Vice President
Minneapolis, MN
2003 - 2009: RBC Capital Markets
Financial Consultant
Minneapolis, MN
Securities Agent: MN, IA, NM, MD, AL, SD, NJ, UT, MO, TX, NY, MT, MS, IN, DC, CA, AK, FL, WY, CO, WI, IL, OR, WA, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270065
NMLS#: 1270065
About Michelle Irwin
A Financial Advisor and seasoned professional in the financial services industry since 2016, Michelle plays a fundamental role in the financial and retirement planning process, helping individuals and families define, manage, and achieve their financial goals through creating customized financial plans while tracking progress along the way. Michelle also provides an array of wealth management strategies including retirement income planning, insurance solutions, private banking services, and education planning. She aims to provide clients with personalized service and a superior client experience, utilizing a detailed and organized approach.
Prior to joining Morgan Stanley, Michelle was in Customer Account Management and Solutions for nearly 15 years. Her experience spans the areas of Account Management, Fundraising and Event Planning at the Animal Humane Society and The Foundation for Children’s Hospitals and Clinics of Minnesota, as well as Project Management at Target Corporation.
Born and raised in Minnesota, Michelle earned her BS degree in Family Social Science at the University of Minnesota. Michelle enjoys the great outdoors in all seasons exploring boating, hiking and biking in the summer and fall and cross-country skiing, snowshoeing and snowmobiling in the wintertime. She also loves trips to an ocean. Michelle stays active in her community by volunteering at Big Brothers Big Sisters Twin Cities as a youth mentor who serves as a positive influence for a young person.
Series 7, and 66 Licensed
Life, Health, Variable Annuity, and Long Term Care Licensed
Prior to joining Morgan Stanley, Michelle was in Customer Account Management and Solutions for nearly 15 years. Her experience spans the areas of Account Management, Fundraising and Event Planning at the Animal Humane Society and The Foundation for Children’s Hospitals and Clinics of Minnesota, as well as Project Management at Target Corporation.
Born and raised in Minnesota, Michelle earned her BS degree in Family Social Science at the University of Minnesota. Michelle enjoys the great outdoors in all seasons exploring boating, hiking and biking in the summer and fall and cross-country skiing, snowshoeing and snowmobiling in the wintertime. She also loves trips to an ocean. Michelle stays active in her community by volunteering at Big Brothers Big Sisters Twin Cities as a youth mentor who serves as a positive influence for a young person.
Series 7, and 66 Licensed
Life, Health, Variable Annuity, and Long Term Care Licensed
Securities Agent: MS, NJ, DC, IL, VA, UT, MN, FL, AK, AL, MT, SD, NY, NM, MO, MD, TX, IA, IN, CA, CO, WY, OR, WI, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1819601
NMLS#: 1819601
Contact D. Corey Moore
Contact Michelle Irwin
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
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
Article Image
Ready to start a conversation? Contact The Moore Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Morgan 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.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investors 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Morgan 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.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investors 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
CRC 6491812 (04/2024)
