Thomas B Tucker, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Family Wealth Advisor, Alternative Investments Director
Phone:
(631) 755-8864(631) 755-8864
The Navigator Group at Morgan Stanley
Direct:
(631) 755-8800(631) 755-8800
Toll-Free:
(800) 477-7522(800) 477-7522
Our Mission Statement
With a deep understanding of your life’s complexities, we provide the wisdom, knowledge and tailored guidance to help navigate today’s challenging environment for a better tomorrow
Our Story
Strategies for Life's Complexities
In a complex and ever-changing world, careful planning and sound advice become even more important as you pursue your personal and professional goals. Collaborating with a seasoned advisory team can help simplify your life, so you can focus on what truly matters to you and your family.
At The Navigator Group, we believe wealth is about more than investments and how you manage your money. It's about your life and the people and passions that give your life meaning.
Our comprehensive and consultative approach focuses on your full financial picture – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy.
Our Commitment to You and Your Family
Named to the 2024 Forbes Best-In-State Wealth Management Teams Ranking, we combine the world-class resources and fiduciary oversight of a premium global firm with the intimate relationship you expect from a specialty boutique. Tom and Sandy have acquired the rigorous Certified Financial PlannerTM designation and were both named Family Wealth Advisors at Morgan Stanley. These advanced credentials set us apart and help us offer innovative thinking based on the industry's best practices.
As an experienced team of caring advisors, we are committed to helping you navigate the distractions of challenging markets, while strengthening your family's financial security now and for generations to come. Our approach emphasizes highly personalized service and transparency, so we always know what's happening in your life, and you always know what's happening with your wealth.
We are proud of the services and solutions we provide our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Awards Disclosures
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Estate Planning StrategiesFootnote3
- Trust ServicesFootnote4
- Planning for Education FundingFootnote5
- 529 PlansFootnote6
- Professional Portfolio ManagementFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
- Alternative InvestmentsFootnote10
- AnnuitiesFootnote11
- Cash Management and Lending ProductsFootnote12
- Divorce Financial AnalysisFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Caring Relationships
We build longstanding relationships, based on trust and integrity. We do this by working with a select group of families and business leaders who value our depth of knowledge and experience in providing comprehensive solutions that go well beyond investments. The bond we form with each client is fundamental to our mission, and it is our goal that it spans generations.
Knowledge and Experience
Our team has a concentration of credentials that is rare in one group of advisors. Both Tom and Sandy have acquired the rigorous Certified Financial PlannerTM designation and were both named Family Wealth Advisors at Morgan Stanley. The knowledge and experience we have acquired through these certifications and throughout our careers enable us to help you avoid critical pitfalls that you may not even know exist. We also educate family members on how to manage money as its moves across generations.
Team Approach
The diversity of our backgrounds and experience enables us to deliver fresh ideas for today's complex world. We are available to work with your accountant, attorney and other professionals to build a comprehensive and cohesive plan that encompasses all aspects of your life.
Welcoming and Approachable Style
We make it easy to ask questions and take the time to explain every concept to ensure you fully understand each idea and recommendation. In addition, Sandy speaks fluent Cantonese and Mandarin to explain concepts in the native language of some of our clients.
Tailored Service
We recognize every client is different. Some require in-depth explanations of investment concepts, while others understand those concepts thoroughly and prefer advisors with whom they can formulate sophisticated strategies. We are committed to helping you achieve your goals in a manner that aligns with your expectations of a concierge experience.
Digital technology is centered on how people communicate, consume, transact and travel. Morgan Stanley's suite of Modern Wealth Management tools allows advisors to offer more customized and comprehensive advice than anywhere else.
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Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
By having the ability to view all of your assets together, there is an ability to advise with your entire financial picture in mind.
Total Wealth ViewBy having the ability to view all of your assets together, there is an ability to advise with your entire financial picture in mind.
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58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-8800(631) 755-8800
Toll-Free:
(800) 477-7522(800) 477-7522
Meet The Navigator Group
Sandy Poon-Wing, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Advisor, Alternative Investments Director
Phone:
(631) 755-8963(631) 755-8963
Helen Barbato
Portfolio Associate
Phone:
(631) 755-8820(631) 755-8820
About Thomas B Tucker
For 30 years, Tom has enjoyed working with financially successful individuals, families and business owners, providing personalized advice through a disciplined, financial planning-based approach. His extensive experience enables him to help clients understand the intricate details of their wealth. He listens carefully to what is most important, so he can develop a tailored plan designed to achieve their personal and professional goals.
Throughout his career, Tom has remained committed to professional development. A graduate of Ithaca College where he earned a B.S. degree in Business Management, Tom continued his studies, earning his Certified Financial PlannerTM designation in 2007 and his Senior Portfolio Management Director designation from Morgan Stanley in 2022.
Tom began his career in 1991 at IDS, a division of American Express focused on financial planning. He joined Smith Barney (now Morgan Stanley) in 2000 and has been a valuable member of the firm ever since. Tom teamed up with Sandy Poon-Wing in 2009 to form The Navigator Group. Together, they share a common vision to meet the needs of their clients through a commitment to ongoing education and excellent service.
Over the years, Tom has acquired a diverse set of skills to guide his clients in achieving their goals. His process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a custom plan. He prides himself on delivering personal care with a strategic approach to help clients build considerable wealth, so they may pass it on to future generations.
Born in Brooklyn, Tom now lives in Jericho with his wife, Susan, and their two sons. Outside of the office, Tom enjoys fostering his creative side through writing. Over the past few years, he has written a few screenplays that have won some awards. He also enjoys his musical roots – he sang with the NYC Opera Company at Lincoln Center as a child and played in a rock band in college.
Throughout his career, Tom has remained committed to professional development. A graduate of Ithaca College where he earned a B.S. degree in Business Management, Tom continued his studies, earning his Certified Financial PlannerTM designation in 2007 and his Senior Portfolio Management Director designation from Morgan Stanley in 2022.
Tom began his career in 1991 at IDS, a division of American Express focused on financial planning. He joined Smith Barney (now Morgan Stanley) in 2000 and has been a valuable member of the firm ever since. Tom teamed up with Sandy Poon-Wing in 2009 to form The Navigator Group. Together, they share a common vision to meet the needs of their clients through a commitment to ongoing education and excellent service.
Over the years, Tom has acquired a diverse set of skills to guide his clients in achieving their goals. His process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a custom plan. He prides himself on delivering personal care with a strategic approach to help clients build considerable wealth, so they may pass it on to future generations.
Born in Brooklyn, Tom now lives in Jericho with his wife, Susan, and their two sons. Outside of the office, Tom enjoys fostering his creative side through writing. Over the past few years, he has written a few screenplays that have won some awards. He also enjoys his musical roots – he sang with the NYC Opera Company at Lincoln Center as a child and played in a rock band in college.
Securities Agent: IL, OH, SD, NC, VT, WA, VA, TX, TN, SC, RI, PA, NY, NJ, NE, MN, MD, MA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301134
NMLS#: 1301134
About Sandy Poon-Wing
Named to Forbes Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State 2022, 2023, 2024 and Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms ranking for 2020, striving to provide clients with confidence about their financial future is the cornerstone on which Sandy has built her practice. She enjoys meeting with clients and listening to their life goals and concerns, while working hand-in-hand with them on a journey towards achieving their personal financial goals.
Immigrating to the U.S. at the age of eight from Hong Kong, Sandy learned first-hand the importance of being financially independent from her mother, who struggled with her own finances. This experience inspired Sandy to seek a profession to empower her clients, especially women, to be confident in their financial decisions. Through ongoing education and understanding, she helps them achieve the financial freedom to pursue their hopes and dreams and pass on wealth in meaningful ways. Today, she is honored to work with an exceptional group of clients, including those who may need complex concepts explained in Cantonese or Mandarin.
After earning her BBA degree from Bernard Baruch College, Sandy furthered her education while working full time. She achieved her MBA in Finance and International Business from New York University’s Leonard N. Stern School of Business in 1998 and soon joined Smith Barney as an Associate. Six years later, Sandy became a Financial Advisor, and in 2009, she teamed up with Tom Tucker to form The Navigator Group. Sandy earned her Certified Financial PlannerTM designation in 2017, her Portfolio Management Director designation from Morgan Stanley in 2022 and Alternative Investment Director designation from Morgan Stanley in 2023.
Passionate about empowerment through education, Sandy often speaks at association events to provide financial education to their members. She is a Mentor for the iMentor Organization and she also volunteers with a non-profit organization that serves survivors of domestic violence and human trafficking.
Sandy lives in Douglaston, Queens. Outside of the office, she enjoys working out and practicing yoga. She is a self-proclaimed foodie and loves to travel globally, having visited many countries in Asia and Europe.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State ranking for 2022, 2023 and 2024.
Source: Forbes.com (Awarded Feb. 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/23. (Awarded Jan. 2023) Data compiled by SHOOK Research LLC for the period 9/30/21-9/30/22. (Awarded Feb. 2022) Data compiled by SHOOK Research LLC for the period 9/30/20 - 9/30/21.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Disclosure: Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for the firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client's experience. This ranking is not indicative of the Financial Advisor's future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Working Mother Magazine. For more information, see www.SHOOKresearch.com (C)2023 Morgan Stanley Smith Barney LLC, Member SIPC.
Immigrating to the U.S. at the age of eight from Hong Kong, Sandy learned first-hand the importance of being financially independent from her mother, who struggled with her own finances. This experience inspired Sandy to seek a profession to empower her clients, especially women, to be confident in their financial decisions. Through ongoing education and understanding, she helps them achieve the financial freedom to pursue their hopes and dreams and pass on wealth in meaningful ways. Today, she is honored to work with an exceptional group of clients, including those who may need complex concepts explained in Cantonese or Mandarin.
After earning her BBA degree from Bernard Baruch College, Sandy furthered her education while working full time. She achieved her MBA in Finance and International Business from New York University’s Leonard N. Stern School of Business in 1998 and soon joined Smith Barney as an Associate. Six years later, Sandy became a Financial Advisor, and in 2009, she teamed up with Tom Tucker to form The Navigator Group. Sandy earned her Certified Financial PlannerTM designation in 2017, her Portfolio Management Director designation from Morgan Stanley in 2022 and Alternative Investment Director designation from Morgan Stanley in 2023.
Passionate about empowerment through education, Sandy often speaks at association events to provide financial education to their members. She is a Mentor for the iMentor Organization and she also volunteers with a non-profit organization that serves survivors of domestic violence and human trafficking.
Sandy lives in Douglaston, Queens. Outside of the office, she enjoys working out and practicing yoga. She is a self-proclaimed foodie and loves to travel globally, having visited many countries in Asia and Europe.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State ranking for 2022, 2023 and 2024.
Source: Forbes.com (Awarded Feb. 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/23. (Awarded Jan. 2023) Data compiled by SHOOK Research LLC for the period 9/30/21-9/30/22. (Awarded Feb. 2022) Data compiled by SHOOK Research LLC for the period 9/30/20 - 9/30/21.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Disclosure: Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for the firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client's experience. This ranking is not indicative of the Financial Advisor's future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Working Mother Magazine. For more information, see www.SHOOKresearch.com (C)2023 Morgan Stanley Smith Barney LLC, Member SIPC.
Securities Agent: TN, PA, NH, VT, MA, IL, DC, CT, WA, MN, MD, GA, SD, SC, OH, FL, DE, NY, CO, NJ, NE, CA, RI, NC, HI, AZ, VA, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1275577
NMLS#: 1275577
About Helen Barbato
Having over 15 years of experience in the Financial Services industry, Helen started as a Senior Branch Service Associate at a top financial services firm. Now, at Morgan Stanley, she is a Registered Client Service Associate.
Helen attended college at the State University College at Oswego, NY, graduating Magna Cum Laude with a BS in Business Administration.
Her licenses include the series 7 – General Securities License, the Series 66 – Uniform Combined State License, the Series 9 – General Securities Sales Supervisor – Options, and the Series 10 – General Securities Sales Supervisor – General.
In her spare time, Helen loves to read and enjoys cycling, weight training, hiking, and playing golf.
Helen attended college at the State University College at Oswego, NY, graduating Magna Cum Laude with a BS in Business Administration.
Her licenses include the series 7 – General Securities License, the Series 66 – Uniform Combined State License, the Series 9 – General Securities Sales Supervisor – Options, and the Series 10 – General Securities Sales Supervisor – General.
In her spare time, Helen loves to read and enjoys cycling, weight training, hiking, and playing golf.
Contact Thomas B Tucker
Contact Sandy Poon-Wing
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?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Navigator Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
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 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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
1Morgan 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.
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 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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
