Perry Warren
Executive Director, Financial Advisor, Government Entity Specialist, Senior Portfolio Management Director, Family Wealth Advisor
Phone:
(580) 354-7475(580) 354-7475
The Orchard Group at Morgan Stanley
Direct:
(580) 354-7475(580) 354-7475
Our Mission Statement
Deeply rooted in your goals, we seek to help you cultivate lasting prosperity for generations to come
Our Story and Services
Talk with any financial advisor and they’ll talk about growing your wealth. Investing and planning. Managing your assets and preparing for your future. And of course, we’ll talk about those things, too. But before we ever look at the end goal, we look at you. We learn about your values, what you hold dear and what you want to accomplish from your wealth. Because at The Orchard Group, we don’t simply service clients.
We help nurture family trees.
After all, trees bear fruit for generations. When we help plan your financial future, our long-term goal is not just to consider your children’s and grandchildren’s financial security, but to include them in our multi-generational plan for financial continuity.
In other words, we plant the seeds for our team to work with you and your family, generations down the line.
So here’s a financial statement for you: wealth grows from the richness of family values. Those values are the foundation of The Orchard Group; our sincere, committed relationships, and above all, generation after generation of your family’s financial success.
We help nurture family trees.
After all, trees bear fruit for generations. When we help plan your financial future, our long-term goal is not just to consider your children’s and grandchildren’s financial security, but to include them in our multi-generational plan for financial continuity.
In other words, we plant the seeds for our team to work with you and your family, generations down the line.
So here’s a financial statement for you: wealth grows from the richness of family values. Those values are the foundation of The Orchard Group; our sincere, committed relationships, and above all, generation after generation of your family’s financial success.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Wealth PlanningFootnote3
- Retirement PlanningFootnote4
- Corporate Retirement PlansFootnote5
- 401(k) Rollovers
- Trust ServicesFootnote6
- Business PlanningFootnote7
- Stock Plan ServicesFootnote8
- 529 PlansFootnote9
- AnnuitiesFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Financial PlanningFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Do
In a world that constantly changes, you need a tailored plan that can evolve with you and your family. The Orchard Group is here to bring clarity and focus on what matters to you.
- Discover: we meet with you to understand your financial portrait and quantify your goals.
- Advise: we create a tailored wealth plan to help keep you on track of your goals.
- Implement: we seek to add value with tax-aware capabilities.
- Track progress: know where you stand and adjust to your changing needs.
- A team of 4 to serve you, each with experience in different areas to take care of you and your family.
- Strategic Comprehensive Financial Planning
- Retirement Income Distribution Planning
- Social Security Planning
- College and Education Planning
- Coordination with your Tax Advisor
- Technology Services (assistance with Morgan Stanley Online)
- Access to Mortgage and Lending Services
- Regular communication via phone calls, e-mails, social media posts and newsletters
- Resources to teach your children and grandchildren the importance of financial literacy
Our process has four parts:
Achieving Your Goals
We take the time to fully understand you and your family. Whether you're planning for retirement, purchasing a home, or planning a vacation - we consider all of your challenges, goals and aspirations when building your financial picture.
Traditional and Alternative Investments
The Orchard Group at Morgan Stanley offers a full range of traditional and alternative investments, along with insurance services. We provide you access to extensive wealth management capabilities, which puts you in a position to capitalize on timely investment ideas across asset classes and vehicles, while providing potential downside when you need it.
What to Expect
Community Involvement
Giving back is a core value for both Morgan Stanley and our team.
Perry Warren
Perry Warren is very active in his local community. He sponsors over 150 young men from all over southwest Oklahoma through his foundation, Athletic Supporters Foundation, and the Southwest Shockers Baseball Program. Founded in 2007, this summer baseball program promotes leadership through the love of the game and gives young men across the state the opportunity to fulfill their dreams of playing college baseball. Extremely proud of his players, Perry has been influential in aiding hundreds of young men to go on to realize their dreams. Perry also serves on the board of the Granite Educational Enrichment Foundation, giving back to his alma mater.
Dillon Freie
Growing up in Anadarko, Dillon Freie understands the importance of relationships, helping those in need and giving back. As an avid baseball fan and former college player, Dillon enjoys working with the Southwest Shockers baseball team through the Athletic Supporters Foundation. In 2020, he was elected to the Athletic Association Board at his alma mater, Southwestern Oklahoma State University. This board was established to support the student-athletes and the athletic programs of the University. As a former pitcher for the SWOSU Bulldogs, Dillon is excited about the opportunity to serve in this capacity.
Meagan Moreno
Meagan Moreno enjoys helping her husband serve the Fletcher community. As the softball coach’s wife, Meagan cheers on the players, hosts team dinners and participates with the team during their community service projects. Another one of Meagan’s passions is to counsel high school students at Camp Lu-Jo KISMIF, a small church camp located south of Lawton. Meagan has been a girl’s counselor there each year since she was 16, working summer camps and fall weekend retreats. Additionally, Meagan contributes to many activities at the Northwest Church of Christ by teaching children’s Bible classes and participating in their annual door-knocking campaign.
Serena Beckett
Since 2006, Serena Beckett has volunteered as the MacArthur High School Color Guard sponsor and instructor. Along with her daughter, Serena choreographs routines, evaluates performances and hosts practices. Serena has influenced and coached over 130 students through this program. Additionally, Serena is active in the ministries of the Lawton Heights United Methodist Church by volunteering in the nursery and in children services. An animal lover, Serena and her family have rescued seven animals and continue to care for them.
Managing Family & Generational Wealth
Managing significant family and generational wealth is complex and often raises different questions. See the resources below for more information about managing and preserving significant family wealth.
Family Governance and Wealth Education Fact Sheet
Our mission is to help clients maximize the value of their family capital through the transfer and preservation of the family's shared values, and the creation of an enduring family legacy
Opening Pandora's Box: 10 Rules for Talking to Kids About Money
Discussing family wealth and financial matters with children can be daunting for families. Read the linked article from Glenn Kurlander, Head of Family Governance & Wealth Education at Morgan Stanley, for more information about navigating this delicate subject.
Wealth Education Development Plan
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Your Guide to Life and Money Playbook
Our goal is to help prepare the next generation of leaders, parents, philanthropists, innovators, trustees, executors, board members, and investors by empowering you with the knowledge and tools needed to achieve your goals.
Location
601 SW C Avenue
Suite 100
Lawton, OK 73501
US
Direct:
(580) 354-7475(580) 354-7475
6305 Waterford Boulevard
Suite 240
Oklahoma City, OK 73118
US
Meet The Orchard Group
Dillon Freie
Financial Advisor, Senior Portfolio Manager
Phone:
(580) 354-7467(580) 354-7467
Serena Beckett
Portfolio Associate
Phone:
(580) 354-7475(580) 354-7475
Meagan Moreno
Client Service Associate
Phone:
(580) 354-7475(580) 354-7475
About Perry Warren
Born in the small community of Brinkman, Oklahoma, Perry Warren grew up on his family farm that is still run by his parents and son today. He is a proud graduate of Granite High School and Oklahoma State University, where he double majored in agricultural economics and accounting, earning an Agricultural degree. Now, Perry uses this agrarian background to tend to his client’s family trees of wealth, believing that wealth grows from the richness of family values.
With over 27 years of experience in the financial services industry, Perry has gained a deep knowledge of the financial markets. He is committed to developing long-term relationships with his clients and delivering first class service to aid clients in obtaining their goals. In 2018, Perry attained Morgan Stanley’s Family Wealth Advisor designation. This designation is granted to those financial advisors who have successfully completed an accreditation program that trains advisors to work with families across generations. In 2012, Perry studied and earned the title of Portfolio Management Director, making him among the select few of financial advisors within Morgan Stanley who are qualified to directly manage assets and in 2021, became a Senior Portfolio Management Director. Most recently, Perry completed the Firm's Insurance Accreditation Program in 2021 and now holds the Insurance Planning Director designation. Recipients of this designation have demonstrated a commitment to, and understanding of, holistic goals-based wealth management planning through the incorporation of insurance solutions into their practice as a foundational component of risk management. Perry holds his Series 9 and 10 registrations, as well as insurance licenses in 37 states.
Perry is the founder of the Athletic Supporters Foundation, which has sponsored hundreds of young men from Oklahoma and abroad since 2007 to play competitive baseball for the Southwest Shockers. The mission of this non-profit organization is to develop the character of the young men while helping them accomplish their goal of playing baseball at the next level. Under Perry’s leadership and guidance the last ten years, the Shockers have helped send many players to the collegiate level.
Perry and his wife, Kim, have two grown children, Blake and Taylor, and two grandchildren, Ryker and Madilyn.
With over 27 years of experience in the financial services industry, Perry has gained a deep knowledge of the financial markets. He is committed to developing long-term relationships with his clients and delivering first class service to aid clients in obtaining their goals. In 2018, Perry attained Morgan Stanley’s Family Wealth Advisor designation. This designation is granted to those financial advisors who have successfully completed an accreditation program that trains advisors to work with families across generations. In 2012, Perry studied and earned the title of Portfolio Management Director, making him among the select few of financial advisors within Morgan Stanley who are qualified to directly manage assets and in 2021, became a Senior Portfolio Management Director. Most recently, Perry completed the Firm's Insurance Accreditation Program in 2021 and now holds the Insurance Planning Director designation. Recipients of this designation have demonstrated a commitment to, and understanding of, holistic goals-based wealth management planning through the incorporation of insurance solutions into their practice as a foundational component of risk management. Perry holds his Series 9 and 10 registrations, as well as insurance licenses in 37 states.
Perry is the founder of the Athletic Supporters Foundation, which has sponsored hundreds of young men from Oklahoma and abroad since 2007 to play competitive baseball for the Southwest Shockers. The mission of this non-profit organization is to develop the character of the young men while helping them accomplish their goal of playing baseball at the next level. Under Perry’s leadership and guidance the last ten years, the Shockers have helped send many players to the collegiate level.
Perry and his wife, Kim, have two grown children, Blake and Taylor, and two grandchildren, Ryker and Madilyn.
Securities Agent: AR, AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, SD, MT, NC, ND, NM, NV, NY, OH, OK, OR, PA, MD, SC, TN, TX, UT, VA, WA, WY, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0K20191
AR Insurance License #: 6063457
CA Insurance License #: 0K20191
AR Insurance License #: 6063457
About Dillon Freie
Originally from Anadarko, Dillon Freie is a proud Oklahoman. Dillon earned a Bachelor of Business Administration from Southwestern Oklahoma State University in May of 2016. Following graduation, Dillon began his financial career at Opes One Advisors but was soon recruited by Perry Warren, Financial Advisor, to join Morgan Stanley’s Wealth Management group. In April of 2022, Dillon completed Morgan Stanley’s Financial Advisor Associate program, a prestigious three-year training program. He has earned membership into Morgan Stanley's Pacesetter Club, a global recognition program for financial advisors who, early in their career, have demonstrated the highest professional standards and first class client service since 2021. Most recently, Dillon joins Perry as a Portfolio Manager, directly able to manage assets. Holding the Series 7 and 66 registrations, as well as his insurance license in 37 states, Dillon is pleased to work with Perry as his junior partner.
In 2020, Dillon was nominated to the Southwestern Oklahoma State University Athletic Association. A proud Bulldog, Dillon is thrilled to give back to his alma mater as the youngest member elected to this board.
Dillon has been married to his wife, Caitlin, since 2019. She is a professional photographer and runs her own photography business. They welcomed their first child, Cannon, in September of 2021 and their second son, Cooper, in July of 2024.
In 2020, Dillon was nominated to the Southwestern Oklahoma State University Athletic Association. A proud Bulldog, Dillon is thrilled to give back to his alma mater as the youngest member elected to this board.
Dillon has been married to his wife, Caitlin, since 2019. She is a professional photographer and runs her own photography business. They welcomed their first child, Cannon, in September of 2021 and their second son, Cooper, in July of 2024.
Securities Agent: MT, KS, IA, OR, IN, VA, WA, WY, TX, TN, MA, SC, ME, OK, LA, CT, ND, NM, NV, KY, GA, FL, UT, PA, AR, AL, OH, NY, CO, NC, CA, MO, MN, MI, MD, IL, DC, AZ, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1889167
CA Insurance License #: 0N04370
AR Insurance License #: 18013596
NMLS#: 1889167
CA Insurance License #: 0N04370
AR Insurance License #: 18013596
About Serena Beckett
Serena Beckett is a Portfolio Associate at Morgan Stanley with over 20 years of experience in the financial services industry. In her role, Serena is a highly skilled multitasker who prides herself on delivering first-class service for clients. As a testament to Serena’s hard work and dedication, she was awarded the Quarterly Exemplary Service Award in 2014.
Born at Fort Sill, Serena grew up in a military family and she attributes her keen work ethic to her unique upbringing. Serena attended Oklahoma City University and achieved her Bachelor of Science in History in three years. Serena is registered with Series 7 and 66, and insurance licenses.
Today, Serena resides in Lawton with her husband John and two cousins. Serena’s children, lovely granddaughters, and grand pups reside throughout Texas and Lawton. Outside of the office, Serena enjoys traveling, taking care of her rescue animals, and spending time with family and friends.
Born at Fort Sill, Serena grew up in a military family and she attributes her keen work ethic to her unique upbringing. Serena attended Oklahoma City University and achieved her Bachelor of Science in History in three years. Serena is registered with Series 7 and 66, and insurance licenses.
Today, Serena resides in Lawton with her husband John and two cousins. Serena’s children, lovely granddaughters, and grand pups reside throughout Texas and Lawton. Outside of the office, Serena enjoys traveling, taking care of her rescue animals, and spending time with family and friends.
About Meagan Moreno
Meagan Moreno serves as the Orchard Group’s Client Service Associate and has been around the financial industry for much of her life, as her father was a financial advisor with Morgan Stanley and was Perry’s partner until his retirement. In 2009, Meagan graduated summa cum laude from Oklahoma Christian University with a Bachelor of Science in Education. She was awarded the President’s Medal and the Outstanding History Graduate Award. A Lawton native, Meagan returned home to teach 7th grade Geography with Lawton Public Schools for five years. From 2014-2018, Meagan taught 6th grade Geography with Cache Public Schools, earning Cache 5th and 6th Grade Center Teacher of the Year in 2018. Meagan married her husband, Mike, in June of 2017. Mike is a history and government teacher and the head softball coach with Fletcher Public Schools. They reside in Fletcher and enjoy being part of a small community.
Meagan assists Perry and Dillon with tasks and projects. Additionally, Meagan is happy to assist clients with the unique benefits that Morgan Stanley offers, including Morgan Stanley Online, Financially Fit and Reserved Living and Giving.
Meagan assists Perry and Dillon with tasks and projects. Additionally, Meagan is happy to assist clients with the unique benefits that Morgan Stanley offers, including Morgan Stanley Online, Financially Fit and Reserved Living and Giving.
Contact Perry Warren
Contact Dillon Freie
Wealth Management
From Our Team
A Parent's Guide to Talking to Your Kids About Money
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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Ready to start a conversation? Contact The Orchard Group today.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4When 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.
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 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Investors 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.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4When 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.
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 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Investors 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.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan 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.
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:
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Awards Disclosures
CRC 6491812 (04/2024)
