Executive Director, Private Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(918) 586-7027(918) 586-7027
The Olmedo / Samuels Group at Morgan Stanley
Direct:
(918) 744-4600(918) 744-4600
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our goal as financial advisors is to give our clients the highest level of care and attention possible. Fostering a strong and lasting relationship involves much more than just portfolio management. This process requires trust first and foremost, and every decision we make works towards building that trust with our clients. By getting to know our clients and their financial objectives on an individual level, we build strategies that help meet their specific needs. Below we lay out what this process will look like:
Understanding Your Goals
We start by building a deeper understanding of your current financial picture and the goals you have for your future. While some goals may be financial, others might be more broad: enjoying an adventure-filled retirement; leaving a legacy for your family; or giving back to your community.We'll help you map out these goals and establish a game-plan for achieving them.
Building Your Strategy
Once we establish your goals, we develop a comprehensive strategy that takes all your objectives into account. With years of experience in retirement planning, estate planning , and portfolio management, we adopt a fully customized approach based on your time horizon and risk tolerance.
Continuous Adjustments
Our work is far from over once your strategy is implemented. We continue to monitor progress we, keeping you up to date and informed along the way. As markets shift and the outlook changes, we revisit your strategy and meet to make sure we are fully aligned. With tools like Total Wealth View, we can collaborate to establish the most efficient allocation of your funds and help maximize your potential return.
Exceptional Service
We act as a constant resource to you, answering any questions or concerns you may have along the way. We'll work with you to manage expectations as markets fluctuate, help manage risk when appropriate, and provide guidance in moments of turbulence. Our goal is to act as an invaluable resource to our clients, offering insights, timely commentary, and confidence.
- Jay Olmedo
- Jay Olmedo
- Paul Samuels
- Jay Olmedo
- Paul Samuels
2024 Forbes Best-In-State Wealth Advisors
2023 Forbes Best-In-State Wealth Advisors
2022 Forbes Best-In-State Wealth Advisors
Disclosures
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Modern Digital Tools
At Morgan Stanley, we pride ourselves on offering a robust suite of modern financial tools for our clients. With a focus on safety and cybersecurity, our world-class apps, online tools, and client portals will help you seamlessly access your accounts and take quick, decisive action when needed. Here are the links to some of our most commonly used applications.
Morgan Stanley Online (MSO)
MSO is our online client portal that allows you to view your account information, contact your advisor, access the "Spending & Budgeting" tool, and much more. When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device with our app.
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork when dealing with your finances. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number, and we can send you your e-sign documents as needed.
Digital Vault
Keeping all your records safe is our top priority at Morgan Stanley. The digital vault tool on MSO allows you to securely store and access wills, deeds, and tax documents and financial statements while sharing them with our team, as needed.
Spending & Budgeting Tool
With our Spending & Budgeting Tool in MSO, you can track your spending, create custom budgets, and view transactions across all your accounts - at Morgan Stanley, and elsewhere. You can also view your net worth in one place by securely linking external accounts to get a full picture of all your assets.
Thought Leaders
Morgan Stanley has established itself as an industry leader in financial and economic research over many decades. With all the insights and reports available to investors, it can be challenging to find concise, digestable content when looking for answers on global markets. Below you can find some of our most popular publications and frequently requested resources.
On the Markets Monthly Report
This monthly report highlights market moving news, global trends, and identifies potential investment opportunities, gathering Morgan Stanley's top insights for the month. Check back the first week of each month for the latest report.
G.I.C. Weekly
This weekly report from Lisa Shalett and the Global Investment Committee provides a deep dive on the latest market news and investment themes. From global economic trends, to fixed income outlooks and thematic investing, the GIC Weekly is a great source of Morgan Stanley's latest research.
2024 Tax Tables
This resource outlines the 2024 tax schedule, education and health savings account limits, retirement contribution and deduction limits, and more useful information. Tax-efficiency doesn't wait for Tax Day and neither should you - with our tax tables you can prepare year-round.
Location
2200 S Utica Place
Suite 300
Tulsa, OK 74114
US
Direct:
(918) 744-4600(918) 744-4600
Meet The Olmedo / Samuels Group
Senior Vice President, Wealth Advisor, Portfolio Manager, Executive Financial Services Director
Phone:
(918) 586-7092(918) 586-7092
Phone:
(918) 586-7017(918) 586-7017
J.C. Olmedo
Client Service Associate
Phone:
(918) 586-7077(918) 586-7077
Rita Olmedo
Marketing Director
Phone:
(918) 586-7037(918) 586-7037
Harriet Johnson
Senior Registered Client Service Associate
Phone:
(918) 586-7056(918) 586-7056
Alex Evangelista
Senior Registered Client Service Associate
Phone:
(918) 586-7049(918) 586-7049
Jennifer Wilson
Senior Client Service Associate
Phone:
(918) 586-7018(918) 586-7018
About Jay C. Olmedo
Jay Olmedo is an Executive Director, Financial Advisor, and Senior Portfolio Management Director with the Olmedo/Samuels Group at Morgan Stanley. After earning two degrees (Finance & Computer Information Systems and Quantitative Analysis) with a minor in Economics from the University of Arkansas, Jay began his extensive and varied career in wealth management.
Jay joined Morgan Stanley in 2001 after working as a Financial Advisor for AG Edwards for over five years. Soon after joining the Firm, Jay became the branch manager of the Hot Springs, Arkansas, branch, followed by roles as an Area Sales Manager for Arkansas/Louisiana, and finally as the Branch Manager for Tulsa until 2010. Fourteen years ago, Jay decided to go back to his passion for providing guidance to clients as a Financial Advisor, bringing with him a distinct perspective after managing other advisors in the field. Jay has been colleagues with Paul Samuels 17 years, and in 2024, the two advisors joined forces to provide additional value and improved service to their clients.
A longtime Oklahoma resident, Jay lives in Sapulpa with his wife of 28 years, Ashley, and their children. In his free time, Jay enjoys spending time with family and friends, tending to his livestock, and managing the natural wildlife at his ranch in eastern Oklahoma.
Jay joined Morgan Stanley in 2001 after working as a Financial Advisor for AG Edwards for over five years. Soon after joining the Firm, Jay became the branch manager of the Hot Springs, Arkansas, branch, followed by roles as an Area Sales Manager for Arkansas/Louisiana, and finally as the Branch Manager for Tulsa until 2010. Fourteen years ago, Jay decided to go back to his passion for providing guidance to clients as a Financial Advisor, bringing with him a distinct perspective after managing other advisors in the field. Jay has been colleagues with Paul Samuels 17 years, and in 2024, the two advisors joined forces to provide additional value and improved service to their clients.
A longtime Oklahoma resident, Jay lives in Sapulpa with his wife of 28 years, Ashley, and their children. In his free time, Jay enjoys spending time with family and friends, tending to his livestock, and managing the natural wildlife at his ranch in eastern Oklahoma.
Securities Agent: HI, SC, NM, MA, CA, WI, TX, PA, OH, MT, MS, MO, KS, CO, AZ, AR, LA, FL, DC, OK, MI, AL, AK, VA, UT, NC, IL, CT, TN, NY, NJ, WA, IA, GA, DE, MD; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1851271
NMLS#: 1851271
About E. Paul Samuels
Paul has dedicated his career to serving the financial needs of Individuals, families, foundations, business owners and corporate executives. His comprehensive approach includes financial/estate planning strategies, liquidity creation, customized strategic solutions and a commitment to building strong client relationships.
Paul earned a Bachelor of Science from Central State University, Wilberforce, Ohio, and also completed the Senior Financial Advisor Program at The Wharton School.
He has received professional honors including the Morgan Stanley President’s Club award, Masters Club Award, National Sales Director’s Award, and has been appointed to serve on Morgan Stanley’s Financial Advisor Council, Diversity Council, and Multicultural Steering Committee. Paul is also a proud member of Morgan Stanley's Access One Alliance, a group of the most experienced and successful African American Advisors at Morgan Stanley.
Over the years, Paul has put significant time and energy into improving the Tulsa community he lives in – particularly with youth development and educational organizations. His leadership abilities have given him the opportunity to serve on the boards of the YMCA of Greater Tulsa, Big Brothers/Big Sisters of Oklahoma, Booker T. Washington High School Foundation for Excellence, Youth Services of Tulsa, the 1st Oklahoma Bank Board of Directors, Tulsa Economic Development Corporation, Omega Psi Phi Fraternity, Inc., Sigma Pi Phi Fraternity, Inc., Tulsa Community College Foundation, Friends of Finance, University of Tulsa and Metropolitan Baptist Church Trustee Board, and others.
Paul is a native of Tulsa and resides there with his wife, Patricia. Paul & Patricia have a son, Paul II and daughter, Paige. He is passionate about travel, particularly with family, and is fan of sports – especially basketball, football, and tennis. Paul enjoys fishing on a quiet morning, and while not yet a pro, he gets out to the golf course whenever he can.
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. 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.
Paul earned a Bachelor of Science from Central State University, Wilberforce, Ohio, and also completed the Senior Financial Advisor Program at The Wharton School.
He has received professional honors including the Morgan Stanley President’s Club award, Masters Club Award, National Sales Director’s Award, and has been appointed to serve on Morgan Stanley’s Financial Advisor Council, Diversity Council, and Multicultural Steering Committee. Paul is also a proud member of Morgan Stanley's Access One Alliance, a group of the most experienced and successful African American Advisors at Morgan Stanley.
Over the years, Paul has put significant time and energy into improving the Tulsa community he lives in – particularly with youth development and educational organizations. His leadership abilities have given him the opportunity to serve on the boards of the YMCA of Greater Tulsa, Big Brothers/Big Sisters of Oklahoma, Booker T. Washington High School Foundation for Excellence, Youth Services of Tulsa, the 1st Oklahoma Bank Board of Directors, Tulsa Economic Development Corporation, Omega Psi Phi Fraternity, Inc., Sigma Pi Phi Fraternity, Inc., Tulsa Community College Foundation, Friends of Finance, University of Tulsa and Metropolitan Baptist Church Trustee Board, and others.
Paul is a native of Tulsa and resides there with his wife, Patricia. Paul & Patricia have a son, Paul II and daughter, Paige. He is passionate about travel, particularly with family, and is fan of sports – especially basketball, football, and tennis. Paul enjoys fishing on a quiet morning, and while not yet a pro, he gets out to the golf course whenever he can.
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. 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.
Securities Agent: NJ, AL, PA, DC, OK, NY, NC, MO, WY, TN, SC, CT, AK, MS, OH, DE, CA, AR, AZ, GA, KS, KY, NM, TX, MT, NE, VA, UT, WI, NV, MN, IL, IA, FL, MD, WA, CO, LA, MI, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262133
AR Insurance License #: 7032096
NMLS#: 1262133
AR Insurance License #: 7032096
About Ava Olmedo
Ava is a Financial Advisor with the Olmedo/Samuels Group at Morgan Stanley. Ava has been working at Morgan Stanley since 2020 when she began as an intern and transitioned to a full-time role after graduating college in 2023. An Oklahoma State University alumnus, Ava graduated summa cum laude with a finance degree and was inducted into the prestigious Oklahoma State Scholars Society – an award earned by the most accomplished incoming freshmen each year. Prior to attending Oklahoma State, Ava attended Bishop Kelley High School where she became an accomplished debate team champion.
Ava grew up on her family's farm in Sapulpa, OK, where she still resides with her close-knit family. She is engaged to her high school sweetheart, Jack, who currently serves in the U.S. Army and is stationed in Vilseck, Germany. Ava is passionate about her Oklahoma community and has frequently volunteered with the Eastern Oklahoma Food Bank, Hopes Crossing Camp for children with disabilities, and “Our Daily Bread, Stillwater” which works to combat food insecurity in the area. Ava is also the proud owner of a pot belly pig named Pip, who has truly become part of her family. When she’s not caring for Pip, Ava enjoys playing piano – which she’s been doing since the age of five – gaming, and spending quality time with her family at their weekend lodge.
Ava grew up on her family's farm in Sapulpa, OK, where she still resides with her close-knit family. She is engaged to her high school sweetheart, Jack, who currently serves in the U.S. Army and is stationed in Vilseck, Germany. Ava is passionate about her Oklahoma community and has frequently volunteered with the Eastern Oklahoma Food Bank, Hopes Crossing Camp for children with disabilities, and “Our Daily Bread, Stillwater” which works to combat food insecurity in the area. Ava is also the proud owner of a pot belly pig named Pip, who has truly become part of her family. When she’s not caring for Pip, Ava enjoys playing piano – which she’s been doing since the age of five – gaming, and spending quality time with her family at their weekend lodge.
Securities Agent: CT, UT, SC, MA, LA, IL, IA, DC, MT, FL, MS, TN, MD, AL, NJ, KS, DE, CO, AR, WI, VA, PA, NC, MI, HI, AZ, AK, TX, OH, WA, OK, NY, NM, MO, CA, NV, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2634117
NMLS#: 2634117
About J.C. Olmedo
J.C. is currently a Client Service Associate with the Olmedo/Samuels Group at Morgan Stanley. J.C. worked as a summer intern at Morgan Stanley since 2018, but became a full-time member of the Olmedo/Samuels Group in 2023. A graduate of Oklahoma State University, J.C. earned his B.S. in economics in 2023, making the Dean’s List and honor roll. J.C. currently resides in Sapulpa, OK, with his family.
About Rita Olmedo
Rita serves the Olmedo/Samuels Group as the Team Administrator, having joined in January, 2024. Responsible for the team's marketing and engagement efforts, Rita coordinates, oversees and implements the marketing strategy while prioritizing the client experience.
Rita attended Bishop Kelley High School in Tulsa, and went on to study Psychology at Oklahoma State University. She graduated summa cum laude and made the president's and dean's list every semester during her studies. Outside of work, Rita volunteers at various food banks in the community and at Hope's Crossing Camp for children with disabilities.
Rita attended Bishop Kelley High School in Tulsa, and went on to study Psychology at Oklahoma State University. She graduated summa cum laude and made the president's and dean's list every semester during her studies. Outside of work, Rita volunteers at various food banks in the community and at Hope's Crossing Camp for children with disabilities.
About Harriet Johnson
Harriet is a Senior Registered Associate with the Olmedo/Samuels Group at Morgan Stanley. With an extensive background in the financial services industry, Harriet helps clients with their accounts, trade executions, and various other tasks. Harriet has been working with Paul Samuels for 10 years and has been at Morgan Stanley since 1989.
Harriet began her career in finance as a stock cashier and then cage supervisor at Merrill Lynch. Afterwards, she worked as a margin clerk with Bache Securities before joining Morgan Stanley as a wire operator and operations manager at the Tulsa branch. With this wealth of experience in the field, Harriet joined Paul Samuels as a client service associate on his team, eventually earning the title of Senior Registered Client Service Associate.
Harriet has always called Tulsa, OK, home, attending Booker T. Washington High School and then earning her B.S. in Business Management at Langston University. She currently volunteers her time with the BTW Class of '75 Reunion Committee and helps them organize alumni events. In her spare time, Harriet is an avid reader who enjoys cooking delicious meals for friends and family.
Harriet began her career in finance as a stock cashier and then cage supervisor at Merrill Lynch. Afterwards, she worked as a margin clerk with Bache Securities before joining Morgan Stanley as a wire operator and operations manager at the Tulsa branch. With this wealth of experience in the field, Harriet joined Paul Samuels as a client service associate on his team, eventually earning the title of Senior Registered Client Service Associate.
Harriet has always called Tulsa, OK, home, attending Booker T. Washington High School and then earning her B.S. in Business Management at Langston University. She currently volunteers her time with the BTW Class of '75 Reunion Committee and helps them organize alumni events. In her spare time, Harriet is an avid reader who enjoys cooking delicious meals for friends and family.
About Alex Evangelista
Alex is a Senior Registered Client Service Associate on The Olmedo/Samuels Group at Morgan Stanley. In this role, Alex assists clients with account management, handles administrative duties, and executes trades and transactions on behalf of clients. She has been building relationships with clients of Jay and Paul since joining Morgan Stanley in 2015. Being bilingual, Alex can seamlessly assist the team's Spanish-speaking clients.
A native of Tulsa, OK, Alex currently lives in Broken Arrow with her husband, Ivan and their four children, Mylah, Max, Xander, and Ezri. Outside the office, Alex enjoys spending quality time with her family, and playing sports - especially soccer.
A native of Tulsa, OK, Alex currently lives in Broken Arrow with her husband, Ivan and their four children, Mylah, Max, Xander, and Ezri. Outside the office, Alex enjoys spending quality time with her family, and playing sports - especially soccer.
About Jennifer Wilson
As a Senior Client Service Associate, Jennifer has been assisting clients and building relationships built on loyalty and trust for over 27 years.
Jennifer’s career started in an administrative role where she quickly learned that her greatest strength was cultivating exceptional, lasting, and meaningful personal relationships with clients. Over the years, she has managed all phases of the client experience, providing world-class assistance and personal attention in high-stakes environments. Jennifer is passionate about working with new and established clients — including individuals, businesses, and non-profits — to facilitate complex transactions and help meet their long-term financial and personal goals.
Jennifer currently resides in Tulsa with her husband and daughter. She enjoys traveling and spending time with friends and family.
Jennifer’s career started in an administrative role where she quickly learned that her greatest strength was cultivating exceptional, lasting, and meaningful personal relationships with clients. Over the years, she has managed all phases of the client experience, providing world-class assistance and personal attention in high-stakes environments. Jennifer is passionate about working with new and established clients — including individuals, businesses, and non-profits — to facilitate complex transactions and help meet their long-term financial and personal goals.
Jennifer currently resides in Tulsa with her husband and daughter. She enjoys traveling and spending time with friends and family.
Contact Jay C. Olmedo
Contact E. Paul Samuels
Contact Ava Olmedo
Wealth Management
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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Financial Planning for Life After Selling a Business
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Donor Advised Funds: A Smart Way to Manage Your Giving
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When 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.
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.
5Investors 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.
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.
7When 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.
8Morgan 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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When 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.
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.
5Investors 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.
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.
7When 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.
8Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
