Christopher J Omlin, CRPC®
Financial Advisor, Financial Planning Specialist
Phone:
(509) 454-2341(509) 454-2341
The Painted Rocks Group at Morgan Stanley
Direct:
(509) 454-2303(509) 454-2303
Toll-Free:
(800) 634-5793(800) 634-5793
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
The Painted Rocks Group
We believe sound financial planning can help you spend less time worrying about your finances and more time focusing on the areas of your life that bring you joy, meaning and purpose. Backed by the power of Morgan Stanley, we are here to help you make sense of investing.
The Painted Rocks Group works with a wide range of successful individuals and families to help protect and grow their wealth. With all our clients, our focus is to get to know you personally and understand your needs and goals and tailor a custom strategy to help you achieve financial freedom. Your success is our success.
We welcome you to schedule an appointment and explore the possibility of working together towards achieving your goals. Contact us today!
Our team name:
We are based out of the Yakima Valley and wanted a name that represents where we are from.
The Yakima Indian Painted Rocks is a tiny state park right outside Yakima. On a cliff of basaltic rocks, which was once an old Indian trail are rock paintings that are estimated to be over 1,000 years old.
The natives painted the cliff from canoes using organic materials.
The Painted Rocks Group works with a wide range of successful individuals and families to help protect and grow their wealth. With all our clients, our focus is to get to know you personally and understand your needs and goals and tailor a custom strategy to help you achieve financial freedom. Your success is our success.
We welcome you to schedule an appointment and explore the possibility of working together towards achieving your goals. Contact us today!
Our team name:
We are based out of the Yakima Valley and wanted a name that represents where we are from.
The Yakima Indian Painted Rocks is a tiny state park right outside Yakima. On a cliff of basaltic rocks, which was once an old Indian trail are rock paintings that are estimated to be over 1,000 years old.
The natives painted the cliff from canoes using organic materials.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our financial planning process goes well beyond a discussion about finances alone. We want to build long-term relationships that include a dialogue about the people, activities, values and ideas that matter most to you. This becomes the framework for a customized plan designed to help you effectively grow, preserve, and transfer your family’s wealth.
Discovery Process
We take the time to fully understand you and your family's financial needs and goals. Whether you're planning for retirement, purchasing a home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite to resource to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
WELCOME TO OUR LIFE NAVIGATOR
One of our goals at The Painted Rocks Group is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth and Education
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives.
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise, we can help you approach the range of educational expenses for your particular situations.
Learn moreEducation is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise, we can help you approach the range of educational expenses for your particular situations.
Early Adulthood
While it’s important to start teaching your kids about money when they are young, it’s even more important as they get older. There is no better incentive for financial rectitude than watching your savings earn for you. One day, that account and the behavior it incentivizes may become the foundation for the financial independence you want them to achieve.
Learn more
Business/Work
Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Typically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Learn moreTypically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Early Adulthood
While it’s important to start teaching your kids about money when they are young, it’s even more important as they get older. There is no better incentive for financial rectitude than watching your savings earn for you. One day, that account and the behavior it incentivizes may become the foundation for the financial independence you want them to achieve.
Learn more
Retirement
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Learn more
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Learn more
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes. Proceedings can also be painful and costly for the family.
We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Learn moreWe believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Handpicked information on a range of topics
Welcome to views from the team, where useful information can be found. Here at The Painted Rocks Group, we are looking to provide our clients with not only market and finance resources, but also with other helpful resources that can have an impact on you and your loved ones. Enjoy!
What Should I Do With My Money?
Managing our money is one of the most important aspects of our lives, and yet, many people don’t have someone they can depend on for help when they need it. On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors. Join us as our guests share their stories around life's major moments. And hear the difference having an experienced Financial Advisor on your side can make.
Listen Here
Thoughts on the Market Podcast
Each week, Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen Here
The GIC Weekly
The Global Investment Committee (GIC) is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
Read Here
Beware of Retirement Sprawl
Are multiple retirement accounts giving you a cloudy picture of your financial performance?
Read Here
A Lesson in Back-to-School Giving
As the new school year begins, there are many ways to help students get off to a good start.
Read More
Sticking the Soft Landing
A successful transition to steady economic growth, without a resurgence of inflation, could drive broad stock gains. But risks around AI, growth and monetary policy still threaten that scenario.
Ream MoreHelping Plan Your Future
Personalized Planning
No matter your goals, the Painted Rocks Group has the tools and experience to help you meet them. Check out the link below to take the first step in your complementary financial planning analysis.
Financial Planning QuestionnaireLocation
3909 Castlevale Rd
Ste 100
Yakima, WA 98902
US
Direct:
(509) 454-2303(509) 454-2303
Toll-Free:
(800) 634-5793(800) 634-5793
Meet The Painted Rocks Group
Teresa Mae Orcutt
Financial Advisor
Phone:
(509) 454-2328(509) 454-2328
Janel Craig
Client Service Associate
Phone:
(509) 454-2303(509) 454-2303
About Christopher J Omlin
Chris’s financial career began after he graduated in 2000. He landed a job at Smith Barney, now Morgan Stanley, he has held different positions throughout the years and eventually rose to Senior Vice President and Portfolio Management Director. Chris has been pivotal in guiding and educating his clients, including high-net-worth individuals, families and business owners. He has maintained long-term relationships with many of them and continues to serve them to this day.
Chris has devoted his 23-year career to assisting his clients in effectively managing their wealth and making good financial decisions. He considers it an honor to be a part of their lives. Chris’s professional objectives include assisting clients in growing their wealth, living the life they aspire to, and leaving a legacy for their families. His approach is tailored and comprehensive, encompassing retirement, estate, education planning, financial strategies, and cash flow management.
Chris graduated from Central Washington University studying business and operation management information systems and earning his Bachelor of Science degree. He holds various licenses, including Series 7, 63, 65, 66. Certified Retirement Planning Counselor (CRPC ®) through the college for Financial Planning and Life insurance licenses.
Chris cherishes spending quality time with his wife of 19 years, Lucy and their children, Julian (15), Jacqueline (13) and Jonah (7). In his free time, Chris enjoys golf, pickleball, skiing, running and travel.
Chris volunteers on the Riverside Christian School board and holds several leadership positions serving on several committees for the school.
Chris has devoted his 23-year career to assisting his clients in effectively managing their wealth and making good financial decisions. He considers it an honor to be a part of their lives. Chris’s professional objectives include assisting clients in growing their wealth, living the life they aspire to, and leaving a legacy for their families. His approach is tailored and comprehensive, encompassing retirement, estate, education planning, financial strategies, and cash flow management.
Chris graduated from Central Washington University studying business and operation management information systems and earning his Bachelor of Science degree. He holds various licenses, including Series 7, 63, 65, 66. Certified Retirement Planning Counselor (CRPC ®) through the college for Financial Planning and Life insurance licenses.
Chris cherishes spending quality time with his wife of 19 years, Lucy and their children, Julian (15), Jacqueline (13) and Jonah (7). In his free time, Chris enjoys golf, pickleball, skiing, running and travel.
Chris volunteers on the Riverside Christian School board and holds several leadership positions serving on several committees for the school.
Securities Agent: CT, VA, UT, TN, OH, LA, AR, NM, CO, MS, FL, WA, PA, NV, MI, KS, NY, MD, IN, ID, OR, AZ, NH, MT, ME, AK, HI, GA, CA, WV, TX, NC, MN, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1282433
NMLS#: 1282433
About Teresa Mae Orcutt
Teresa has over 20 years of industry experience and is committed to long-term relationships with objective advice and a warm, thoughtful approach. She listens carefully to her clients’ values and concerns, and works intently to help them achieve their financial goals.
Teresa started her career at Smith Barney, a predecessor firm of Morgan Stanley in 2004 as a client service associate. In 2008 she went to work for another Wealth Management firm as a registered associate and as their branch service manager before coming back to Morgan Stanley in 2013 as a Portfolio Associate under The Baldwin-Omlin team. In early 2018 Teresa took on a new role as one of the Financial Advisors on her team and they became The Painted Rocks Group.
Teresa and her husband, Cole have 2 young daughters ages 13 and 10. Together they enjoy many outdoor activities including hiking, kayaking, paddle boarding and spending time with family and friends.
Teresa started her career at Smith Barney, a predecessor firm of Morgan Stanley in 2004 as a client service associate. In 2008 she went to work for another Wealth Management firm as a registered associate and as their branch service manager before coming back to Morgan Stanley in 2013 as a Portfolio Associate under The Baldwin-Omlin team. In early 2018 Teresa took on a new role as one of the Financial Advisors on her team and they became The Painted Rocks Group.
Teresa and her husband, Cole have 2 young daughters ages 13 and 10. Together they enjoy many outdoor activities including hiking, kayaking, paddle boarding and spending time with family and friends.
Securities Agent: DC, AL, AK, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, LA, MD, ME, MI, MN, MS, MT, NC, NE, NM, NV, NY, OH, OR, PA, TN, TX, UT, VA, WA, WV, VT, AR, WY, WI, VI, SD, SC, RI, PR, OK, NJ, NH, ND, MO, MA, KY, KS, IA, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1751505
NMLS#: 1751505
About Janel Craig
Janel has been with Morgan Stanley since 2017 as a Service Professional before joining the Painted Rocks Group in 2019 as their Client Service Associate. She is married with two young children ages 13 and 11 and loves adventuring in the great outdoors, baking, gardening, long rides on her mule Elsa and camping with family and friends.
Contact Christopher J Omlin
Contact Teresa Mae Orcutt
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Ready to start a conversation? Contact The Painted Rocks 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan 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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan 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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal 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.
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)
