Thomas J O'Rourke
Managing Director, Wealth Management, Wealth Advisor
Phone:
(610) 430-1915(610) 430-1915
The O'Rourke Finegan Group at Morgan Stanley
Direct:
(610) 430-1915(610) 430-1915
Toll-Free:
(800) 745-1324(800) 745-1324
Our Mission Statement
Our goal is to be our clients biggest advocate and greatest support system through their financial journey. By managing and protecting wealth through financial planning, education and understanding the personal needs of our clients, we can help them achieve a fulfilling financial future.
Our Story
At the O'Rourke Finegan Group, we offer customized financial strategies for our clients’ unique objectives. With a passionate focus on our clients’ goals, we create strategies to help navigate the realities of the markets ups and downs. With our combined experience and market perspective, we are able to offer quality guidance and exceptional service.
We believe that working collectively as a team allows us to provide our clients with sophisticated strategies, while ensuring that they benefit from the highest level of service. We bring complementary skills and perspectives to our clients and are committed to meeting their needs promptly and professionally.
We strive to offer our clients the finest thinking, products and strategies to help them achieve their specific financial goals. When we work together, our clients benefit from personalized advice, objective guidance and dedication to their success as an investor. With Morgan Stanley’s renowned global resources, we can develop and maintain an optimal investment strategy to help address the entirety of our clients’ financial lives.
2019-2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
We believe that working collectively as a team allows us to provide our clients with sophisticated strategies, while ensuring that they benefit from the highest level of service. We bring complementary skills and perspectives to our clients and are committed to meeting their needs promptly and professionally.
We strive to offer our clients the finest thinking, products and strategies to help them achieve their specific financial goals. When we work together, our clients benefit from personalized advice, objective guidance and dedication to their success as an investor. With Morgan Stanley’s renowned global resources, we can develop and maintain an optimal investment strategy to help address the entirety of our clients’ financial lives.
2019-2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- Alternative InvestmentsFootnote3
- AnnuitiesFootnote4
- Asset Management
- Business PlanningFootnote5
- Business Succession PlanningFootnote6
- Cash ManagementFootnote7
- Certificates of DepositFootnote8
- Divorce Financial AnalysisFootnote9
- Estate Planning StrategiesFootnote10
- Financial PlanningFootnote11
- Municipal BondsFootnote12
- Retirement PlanningFootnote13
- Sustainable InvestingFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Timely Articles
Morgan Stanley seeks 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, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read HereThoughts On The Market Podcast
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.
Thoughts On The Market PodcastCreating a Foundation
Our team sets out to properly educate each of their clients in wealth planning. Effective communication and understanding is key to any strategy. On this page you will find a multitude of family wealth planning resources that not only start the conversation but provide tangible items to reference. Please take a moment to review the documents on this page from Morgan Stanley and contact us for any questions or concerns.
Family Governance Fact Sheet
This document provides an overview of Family Governance and how to address the complexities of transferring wealth to the next generation, advising on specific strategies, and preserving family legacy.
Learn MoreFamily Foundation Toolkit
This toolkit provides an overview of best practices for forming a family foundation including information on creating a mission statement, roles and responsibilities, and legacy and succession planning.
Learn MoreFamily Constitution and Family Bylaws
Family governance documents, such as Family Constitutions and Family Bylaws, can be important parts of the family governance system. Learn more about how these documents can help lay a solid foundation towards family wealth planning.
Learn MoreSample Family Mission Statement
This sample of a family mission statement is intended to be educational in nature and is for illustrative purposes only. Please review this example to start a conversation with proper council.
Learn More10 Rules for Talking to Kids About Money
Many affluent parents dread talking with their kids about money. “Once we talk about money,” they say, “it will be like opening Pandora’s box. Nothing but evil will issue forth. "This resource is here to help you navigate this conversation in a positive and constructive direction.
Learn MoreWealth Education Development Plan
There is subject matter that family members must understand if they are to manage generational wealth and become effective stewards. Please review this educational resource to create a deeper understanding of family wealth planning.
Learn MoreClient Resources
Our team leverage's cutting-edge technology and delivers customized wealth management solutions to our clients and their families to enable them to achieve their goals. We strive to ensure our clients are served on market-leading technology platforms that are resilient, safe, efficient, smart, fast, and flexible. Additionally, please find materials and firm perks specifically suited for ultra-high-net-worth and high-net-worth clients and families, namely Reserved Living & Giving: a program where clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll and gain access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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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.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment, and more.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementLocation
3803 West Chester Pike
Ste 200
Newtown Square, PA 19073
US
Direct:
(610) 430-1915(610) 430-1915
Toll-Free:
(800) 745-1324(800) 745-1324
Meet The O'Rourke Finegan Group
Krista Finegan, CFP®
Senior Vice President, Financial Advisor
Phone:
(610) 430-1067(610) 430-1067
Vicki Pace
Assistant Vice President, Portfolio Management Associate
Phone:
(610) 430-1945(610) 430-1945
Jack McQuarrie
Portfolio Associate
Phone:
(610) 430-1935(610) 430-1935
About Thomas J O'Rourke
Tom has been a Financial Advisor at Morgan Stanley for over 27 years. His approach with every client is to build a long term relationship and help clients achieve their long term goals. Tom & his team tailor each client’s portfolio to their specific needs and personal situation. Tom has been long term member (17 years) of the Presidents and Masters Club, a recognition awarded to the firms top advisors. He was also recently was named by Forbes Magazine as one of the top 100 Financial Advisors in the state of Pennsylvania. Tom carries a series 7, 65, 63 & PA Insurance License. Tom graduated from St Joseph’s University with a Bachelor of Science in Business Administration.
Tom resides in West Chester, PA with his wife Kim & his 3 daughters.
2019-2023, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2019-2023, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Tom resides in West Chester, PA with his wife Kim & his 3 daughters.
2019-2023, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2019-2023, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: NM, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, MA, MD, MI, MN, MO, NC, NJ, NV, NY, OH, OR, PA, PR, RI, SC, TN, TX, VA, VT, WA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312616
NMLS#: 1312616
About Krista Finegan
As a Financial Advisor at Morgan Stanley for over 10 years, and 23 years in the financial services industry, Krista is a veteran in this space. Her work's focus is to build genuine long-term relationships with her clients so she can give personal advice and insight into their lives. Similar to a close friend or confident, her priority is to know you, your families and your goals. Krista is a Certified Financial Planner (CFP)™, this designation comes with extensive training in financial planning, estate planning, insurance, investments, taxes, employee benefits and retirement planning strategies, as well as in the CFP® Board’s Standards of Professional Conduct, which are rigorously enforced. Krista has her Series 7 & 66 and her PA State insurance licenses. She graduated from Bucknell University with a Bachelor of Science in Business Administration.
Krista has spent her life in Chester County, PA. She lives with her husband in Downingtown and is the proud mom of 3 grown sons. Krista enjoys running, spending time at the beach each summer and rooting for Philadelphia sports teams. Also, Krista is a co-founder of 100 Women Downingtown to highlight and support local charities.
Krista has spent her life in Chester County, PA. She lives with her husband in Downingtown and is the proud mom of 3 grown sons. Krista enjoys running, spending time at the beach each summer and rooting for Philadelphia sports teams. Also, Krista is a co-founder of 100 Women Downingtown to highlight and support local charities.
Securities Agent: WV, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, MA, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, TN, TX, VA, VT, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1383208
NMLS#: 1383208
About Vicki Pace
Vicki is a Portfolio Management Associate for the O’Rourke Finegan Group at Morgan Stanley. With over two decades of financial industry experience, Vicki has been with the Morgan Stanley for the past 6 years. Vicki’s role with the O’Rourke Finegan Group concentrates on developing and strengthening client relationships, preparing financial plans, and providing clients with excellent customer service. Vicki has her Series 7, 63, 66 and PA Insurance Licenses.
Vicki lives in West Chester, Pennsylvania with her husband and has four grown daughters and one granddaughter. Vicki enjoys crafts and traveling and loves to spend time with family and friends.
Vicki lives in West Chester, Pennsylvania with her husband and has four grown daughters and one granddaughter. Vicki enjoys crafts and traveling and loves to spend time with family and friends.
About Jack McQuarrie
Jack McQuarrie is a Portfolio Associate for the O’Rourke Finegan Group at Morgan Stanley. He has over 11 years of experience in the financial industry and has spent the last 6 years with Morgan Stanley. Jack focuses on delivering an excellent client experience combined with seamless digital operations. Jack has his Series 7 & 66 licenses. He graduated from Rutgers University with a Bachelor of Science in Finance.
Jack lives in Ocean City, NJ with his wife and 2 boys. He enjoys time with his family, especially outside enjoying the sunshine.
Jack lives in Ocean City, NJ with his wife and 2 boys. He enjoys time with his family, especially outside enjoying the sunshine.
Contact Thomas J O'Rourke
Contact Krista Finegan
Wealth Management
From Our Team
Want to Keep More of Your Investment Returns? Consider These Moves
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
Article Image
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 O'Rourke Finegan 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6Morgan 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.
7Morgan 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
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.
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.
10Morgan 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.
11Morgan 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.
12Municipal 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.
13When 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.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6Morgan 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.
7Morgan 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
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.
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.
10Morgan 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.
11Morgan 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.
12Municipal 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.
13When 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.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
