Vann Russell
Executive Director, Financial Advisor, Senior Portfolio Manager, Family Wealth Advisor
Phone:
(919) 785-7166(919) 785-7166
The Paladin Group at Morgan Stanley
Direct:
(919) 785-7162(919) 785-7162
Toll-Free:
(855) 830-0665(855) 830-0665
Our Mission Statement
We are passionate about helping families make smart decisions so that their money serves the people, causes and goals they cherish.
Our Story
The Paladin Group at Morgan Stanley advocates for the needs of successful families and their business interests. With almost a century of collective experience, we understand that your achievements often come with new concerns about preserving your lifestyle, minimizing your tax burden, and properly preparing your heirs. We believe that the complexity of the problems you face requires time, knowledge, and judgment delivered by a team dedicated to wealth management. Our team is purposefully designed to deliver the strengths of each member to our clients. Because the Paladin Group is part of Morgan Stanley, we can also provide the depth and breadth of one of the world’s most respected wealth management firms. With a deep-seated dedication to long-term client relationships, our group fully engages our clients in the service of the people, causes, and goals that they cherish. We invite you to explore the following pages to understand the unique way that we can serve you.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- 401(k) Rollovers
- Alternative InvestmentsFootnote3
- Business Succession PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Retirement PlanningFootnote7
- Planning for Education FundingFootnote8
- Lending Products
- AnnuitiesFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Trust Services*
- Donor Advised Funds
- Equity Compensation
- Executive Financial ServicesFootnote12
- Stock Plan ServicesFootnote13
- Certificates of DepositFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Are Different
Principles That Keep Your Wealth Focused on What Matters
Your financial life deserves more than predictions, headlines, and short-term noise.
At the Paladin Group, we take a principles-based approach to wealth management. We begin by understanding what matters most to you, then help you build a plan designed to support your goals through life's opportunities, challenges and transitions.
1. Know Where You're Going
Your financial plan should reflect your life, not someone else's.
Through thoughtful conversations and a detailed discovery process, we help you define your priorities, turn your aspirations into realistic goals and create a clear path forward. We regularly review your plan and measure progress as your life evolves.
Your goals provide the destination. Your financial plan provides the direction.
2. Manage Risk, Not Return
Markets are unpredictable, but your strategy does not have to be.
We develop investment strategies around your goals, time horizon and level of comfort with risk. By focusing on risk, diversification and value, we seek to create a portfolio you can remain confident in, even when markets and headlines become unsettling.
The goal is not to react to every headline. It is to stay focused on what matters over time.
3. Life Happens, Ready or Not
A strong financial plan considers more than investment risk.
We help you anticipate events that could affect your financial well-being, for example:
- A disability or unexpected health event
- The loss of a job or income
- Liability and insurance concerns
- Major family or lifestyle transitions
- Significant purchases and borrowing decisions
By considering these possibilities before they occur, you can make informed decisions and be better prepared for whatever life brings.
4. Build a Legacy That Reflects Your Values
Your legacy is about more than transferring assets. It is an opportunity to support the people and causes you care about.
We help you explore important questions, such as:
- Who do you want to benefit from your wealth?
- When and how should your assets be transferred?
- How can your wishes and values be reflected?
- Who will be responsible for carrying out your plans?
- What tax and legal considerations should you discuss with your advisors?
We can collaborate with your estate planning attorney and tax advisor to help ensure your broader financial strategy supports your intentions. If needed, we can also provide referrals to qualified professionals.
A Relationship Built Around You
Our principles are supported by ongoing collaboration and personal service. As your circumstances change, we are here to help you:
- Update your financial plan
- Review your progress
- Manage investments with risk and value in mind
- Identify potential financial vulnerabilities
- Prepare for important milestones
- Develop a thoughtful legacy strategy
With a phone call, email or text, you can reach a knowledgeable team member who understands your financial life.
Guidance for Today—and the Journey Ahead
We want the Paladin Group to be a long-term resource for you and your family: helping you navigate change, pursue meaningful goals and make thoughtful financial decisions with greater confidence. Let's begin with a conversation about what matters most to you.
Our Clients
The Paladin Group’s clientele is largely comprised of successful families and their business interests. Many of our clients are in or nearing retirement, a time which presents many questions and challenges, including healthcare, housing, taxes, generating retirement income, and more. We also have a significant portion of our clientele that are successful executives focused on building wealth, protecting their families, and managing the risks associated with their position. To this end, we are affiliated with many of Morgan Stanley’s Stock Plan clients, and have a presence at major publicly traded companies in and around the Triangle.
Working With You
The Paladin Group’s clients enjoy a consultative process that begins with deep discovery. We believe the foundation of any productive relationship is a thorough understanding of a family’s values, goals, and concerns. We accomplish this understanding by asking good questions and listening attentively.
We then collaborate with our clients to proactively and regularly engage them on various topics such as markets, estate planning strategies, insurance, and more. We find this disciplined communication improves the experience of our clients.
We then collaborate with our clients to proactively and regularly engage them on various topics such as markets, estate planning strategies, insurance, and more. We find this disciplined communication improves the experience of our clients.
The Paladin Group at Morgan Stanley advocates for the needs of successful executives and their families. We understand that your achievements often come with the need for a comprehensive financial plan that identifies your unique goals, accounts for complex equity compensation issues, and helps assure that you are making smart decisions to achieve all that is important to you.
Location
3800 Glenwood Ave
Ste 500
Raleigh, NC 27612
US
Direct:
(919) 785-7162(919) 785-7162
Toll-Free:
(855) 830-0665(855) 830-0665
1111 Military Cutoff Rd
Wilmington, NC 28405
US
Meet The Paladin Group
Bill Nave, CFP®
First Vice President, Financial Advisor, Senior Portfolio Manager, Workplace Advisor – Equity Compensation
Phone:
(919) 986-9570(919) 986-9570
Ginny Whitley
Associate Vice President, Financial Advisor
Phone:
(919) 785-7163(919) 785-7163
Buzzy Russell
Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(919) 877-2584(919) 877-2584
Erin Beavers
Financial Planning Analyst, Financial Planning Specialist, Cash Engagement Specialist
Phone:
(919) 785-7164(919) 785-7164
Mita Kapila
Senior Registered Associate
Phone:
(919) 785-7135(919) 785-7135
Justin Johnson
Registered Associate
Phone:
(919) 785-7165(919) 785-7165
About Vann Russell
As a 25 year industry veteran, Vann Russell began his financial service career in 1994 and has worked at Morgan Stanley or its predecessor firms since 2001. Vann has extensive North Carolina roots and an extended family with long professional, political and business history in North Carolina. Vann is a native of Raleigh with strong ties to the local community. He and his wife Caroline have been influential in organizing Artsplosure, the city’s annual Arts Festival. Vann has also served in an advisory capacity with the Carolina Country Club. At Morgan Stanley, Vann holds the title of Executive Director and the designation as a Family Wealth Advisor. Throughout his career, Vann has taken a strong interest in helping corporate executives execute diversification strategies and he takes the lead for our team in consulting clients on concentrated stock positions and hedging strategies. As part of the team’s commitment to comprehensive financial planning, Vann also works closely with tax advisors and planning attorneys as part of our commitment to help successful clients and their families meet their most important goals.
Vann received a BA degree from Hampden-Sydney College and remains active in the Alumni Association.
Vann resides in Raleigh, North Carolina with his wife and two children. He attends Edenton Street United Methodist Church and has worked with numerous other charities through the years. He also enjoys spending time with his family, running, fishing, and playing golf.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Vann received a BA degree from Hampden-Sydney College and remains active in the Alumni Association.
Vann resides in Raleigh, North Carolina with his wife and two children. He attends Edenton Street United Methodist Church and has worked with numerous other charities through the years. He also enjoys spending time with his family, running, fishing, and playing golf.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Securities Agent: TN, NV, VA, TX, NJ, NC, IL, AL, WA, MI, MD, KY, UT, SC, ME, LA, KS, CO, OR, OH, NH, MS, MA, IA, CT, AZ, WY, ND, MN, PA, NY, HI, FL, GA, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1426086
NMLS#: 1426086
About Bill Nave
Bill Nave began his career in the shadows of the financial crisis in 2010 and saw this time as an opportunity to help families navigate uncertainty and decided to begin his path towards becoming a dedicated financial advisor. Educating clients sparked a deep interest in Bill. Bill takes the lead in business development and serves as the go-to person for equity compensation related issues. In addition, he is the author of our team’s quarterly newsletter.
Bill believes in leaving things better than he found them; his current charitable work includes the Society of Saint Vincent de Paul - Our Lady of Lourdes, Centro Para Familias Hispanas - Catholic Charities of the Diocese of Raleigh, Junior Achievement of Eastern North Carolina, the St. Anthony Foundation, Samaritan's Purse, and the ALS Association. Within Morgan Stanley, he is a former board member of the Association of Professional Investment Consultants (APIC), which is focused on the betterment of the practices of Morgan Stanley Financial Advisors.
A native of Virginia Beach and a graduate of UNC-Wilmington, it’s no surprise that Bill’s favorite hobby is surfing, which he practices on North Carolina's many beaches as well as abroad. In addition to his native English, Bill is fluent in Spanish & Italian, conversational in French, and is currently learning Portuguese & Latin. Bill also enjoys reading, Brazilian jiu-jitsu, swimming, travelling, and spending time with his wife and son.
Bill believes in leaving things better than he found them; his current charitable work includes the Society of Saint Vincent de Paul - Our Lady of Lourdes, Centro Para Familias Hispanas - Catholic Charities of the Diocese of Raleigh, Junior Achievement of Eastern North Carolina, the St. Anthony Foundation, Samaritan's Purse, and the ALS Association. Within Morgan Stanley, he is a former board member of the Association of Professional Investment Consultants (APIC), which is focused on the betterment of the practices of Morgan Stanley Financial Advisors.
A native of Virginia Beach and a graduate of UNC-Wilmington, it’s no surprise that Bill’s favorite hobby is surfing, which he practices on North Carolina's many beaches as well as abroad. In addition to his native English, Bill is fluent in Spanish & Italian, conversational in French, and is currently learning Portuguese & Latin. Bill also enjoys reading, Brazilian jiu-jitsu, swimming, travelling, and spending time with his wife and son.
Securities Agent: ND, LA, HI, NV, MA, AL, PA, MI, OR, NH, NC, CT, WY, VA, TX, MD, WA, FL, AZ, OH, IA, MN, ME, CO, KY, IL, CA, SC, MS, KS, GA, UT, TN, NY, NJ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1428680
NMLS#: 1428680
About Ginny Whitley
Drawing on more than two decades of financial services experience, Ginny brings a broad perspective shaped by her prior roles as a Consulting Group Analyst, Portfolio Associate and Wealth Management Associate. She helps ensure clients’ needs are addressed with efficiency, professionalism and exceptional attention to detail.
Ginny’s knowledge of Morgan Stanley’s financial planning tools, combined with her commitment to developing individualized solutions, enables her to play an active role in the planning process. She creates comprehensive financial plans tailored to each client’s unique circumstances, challenges and goals. By considering clients’ assets, investment outlook and risk tolerance, Ginny helps identify and advise practical strategies designed to support their financial objectives. She also oversees the team’s client service model and organizational structure, helping maintain a consistent and coordinated client experience.
Ginny began her career with Morgan Stanley in 2000, working part-time while attending college. She joined the firm full-time in 2005 and became a member of The Paladin Group in 2006. Ginny earned a Bachelor of Science in Business Administration from Meredith College, with concentrations in computer science and finance.
A native of Newport, North Carolina, Ginny especially enjoys spending time at the beach. Outside of work, she enjoys traveling, exploring the outdoors, supporting her son’s activities and spending time with her family. Ginny and her husband, Ben, live in Clayton, North Carolina, with their son, Rylan.
Ginny’s knowledge of Morgan Stanley’s financial planning tools, combined with her commitment to developing individualized solutions, enables her to play an active role in the planning process. She creates comprehensive financial plans tailored to each client’s unique circumstances, challenges and goals. By considering clients’ assets, investment outlook and risk tolerance, Ginny helps identify and advise practical strategies designed to support their financial objectives. She also oversees the team’s client service model and organizational structure, helping maintain a consistent and coordinated client experience.
Ginny began her career with Morgan Stanley in 2000, working part-time while attending college. She joined the firm full-time in 2005 and became a member of The Paladin Group in 2006. Ginny earned a Bachelor of Science in Business Administration from Meredith College, with concentrations in computer science and finance.
A native of Newport, North Carolina, Ginny especially enjoys spending time at the beach. Outside of work, she enjoys traveling, exploring the outdoors, supporting her son’s activities and spending time with her family. Ginny and her husband, Ben, live in Clayton, North Carolina, with their son, Rylan.
Securities Agent: NV, HI, IL, PA, OR, NY, FL, OH, MI, ME, MD, LA, WY, WA, NH, CT, MN, KS, CO, VA, NC, MA, GA, TX, NJ, MS, KY, CA, UT, SC, IA, AL, TN, ND, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1767241
NMLS#: 1767241
About Buzzy Russell
Harold “Buzzy” Russell is a Financial Advisor with Morgan Stanley, where he focuses on helping corporate executives better understand their equity compensation and how it may fit within their broader financial lives. A second-generation Financial Advisor, Buzzy brings a personal appreciation for the role thoughtful guidance can play in helping clients make informed decisions.
Buzzy joined Morgan Stanley in 2024 and works with clients to help simplify complex financial topics, provide perspective, and support a planning-oriented approach to wealth management. He strives to make conversations clear, practical, and approachable, particularly for clients navigating the opportunities and decisions that can come with equity compensation.
A Raleigh native, Buzzy earned his degree from North Carolina State University, where he studied Finance and History. While at NC State, he also studied history at the University of Oxford through the University Honors Program and studied business at University College London.
Outside of work, Buzzy enjoys cheering on NC State athletics, fishing, golfing, traveling, and exercising. He attends Edenton Street United Methodist Church.
Buzzy joined Morgan Stanley in 2024 and works with clients to help simplify complex financial topics, provide perspective, and support a planning-oriented approach to wealth management. He strives to make conversations clear, practical, and approachable, particularly for clients navigating the opportunities and decisions that can come with equity compensation.
A Raleigh native, Buzzy earned his degree from North Carolina State University, where he studied Finance and History. While at NC State, he also studied history at the University of Oxford through the University Honors Program and studied business at University College London.
Outside of work, Buzzy enjoys cheering on NC State athletics, fishing, golfing, traveling, and exercising. He attends Edenton Street United Methodist Church.
Securities Agent: VA, CA, RI, OR, GA, FL, UT, PA, IN, HI, WI, NY, DC, CT, AZ, ND, MD, AL, TN, OH, NH, KS, SC, MI, CO, WY, NJ, NC, MS, MO, KY, WA, MN, LA, ID, DE, ME, IA, TX, NV, MA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2748215
CA Insurance License #: 4452969
NMLS#: 2748215
CA Insurance License #: 4452969
About Erin Beavers
As a Financial Planning Analyst, Erin brings a diverse professional background and a strong commitment to client service to her role on the team. Before joining Morgan Stanley in 2013, she spent six years as a paralegal at a local law firm, where she worked closely with estate planning and real estate attorneys. This experience provides her with valuable familiarity with wills and trusts, supporting the team’s legacy planning efforts. Erin later spent four years traveling nationwide as a corporate trainer for Chick-fil-A, further developing the service-oriented approach, personal warmth and attention to detail that define her work with clients today.
Erin’s responsibilities include coordinating and preparing for client meetings, preparing Financial Plans, providing digital support, facilitating account transactions and managing the administrative needs associated with the team’s daily operations. Her genuine interest in helping others and dedication to delivering high-quality client experiences are central to everything she does.
Erin earned a Bachelor of Science in Business Administration from East Carolina University in Greenville, North Carolina. She also holds the securities registrations required to process client investment orders.
Erin lives in Clayton, North Carolina, with her husband and children. Outside of work, Erin enjoys spending time with her family, exploring new places and creating memorable adventures.
Erin’s responsibilities include coordinating and preparing for client meetings, preparing Financial Plans, providing digital support, facilitating account transactions and managing the administrative needs associated with the team’s daily operations. Her genuine interest in helping others and dedication to delivering high-quality client experiences are central to everything she does.
Erin earned a Bachelor of Science in Business Administration from East Carolina University in Greenville, North Carolina. She also holds the securities registrations required to process client investment orders.
Erin lives in Clayton, North Carolina, with her husband and children. Outside of work, Erin enjoys spending time with her family, exploring new places and creating memorable adventures.
About Mita Kapila
Mita began her career at Morgan Stanley in 2014 and was inspired by the high standard of service Financial Advisors provide in helping clients pursue their financial goals. She is committed to delivering an exceptional client experience through careful attention to detail, timely responsiveness and a thorough understanding of Morgan Stanley’s capabilities.
Mita’s friendly and professional approach reflects The Paladin Group’s commitment to creating a welcoming and supportive client experience. Her organizational skills, fresh perspective and focus on improving processes have made her an integral member of the team.
Mita earned a Bachelor of Science in Business Administration with a concentration in Finance from East Carolina University in 2012. She received her Master of Business Administration from North Carolina Central University in 2014. With a longstanding interest in finance, Mita values the opportunity to help clients address their broader financial needs.
During her free time, Mita enjoys spending time with her husband and two young children, who keep her happily busy!
Mita’s friendly and professional approach reflects The Paladin Group’s commitment to creating a welcoming and supportive client experience. Her organizational skills, fresh perspective and focus on improving processes have made her an integral member of the team.
Mita earned a Bachelor of Science in Business Administration with a concentration in Finance from East Carolina University in 2012. She received her Master of Business Administration from North Carolina Central University in 2014. With a longstanding interest in finance, Mita values the opportunity to help clients address their broader financial needs.
During her free time, Mita enjoys spending time with her husband and two young children, who keep her happily busy!
About Justin Johnson
Justin began his career with Morgan Stanley in 2022. As a Registered Associate, Justin strives to provide an exceptional client experience while helping clients meet their financial goals. His duties consist of processing funds transfers and account forms, scheduling appointments, responding to client requests and other administrative duties required for the efficient daily operation of our practice.
Justin earned his Bachelor’s degree in Business Administration from Campbell University, with a major in Trust and Wealth Management and a minor in Financial Planning.
Justin lives in Benson, North Carolina with his wife Blair. During his free time, he enjoys hunting, fishing, grilling, and spending time outdoors. Justin is an avid conservationist, volunteering with various organizations to preserve wildlife habitat and introduce youth to the outdoors.
Justin earned his Bachelor’s degree in Business Administration from Campbell University, with a major in Trust and Wealth Management and a minor in Financial Planning.
Justin lives in Benson, North Carolina with his wife Blair. During his free time, he enjoys hunting, fishing, grilling, and spending time outdoors. Justin is an avid conservationist, volunteering with various organizations to preserve wildlife habitat and introduce youth to the outdoors.
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Wealth Management
From Our Team
THE PRUDENT PALADIN 3RD QUARTER 2026 NEWSLETTER - REASONING ANIMALS
Wealth Management
Global Investment Office
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Paladin Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
5Morgan 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.
6Morgan 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.
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 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.
8When 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products 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.
12Morgan 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.
13Morgan 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.
14Investors 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.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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Awards Disclosures | Morgan Stanley
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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
5Morgan 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.
6Morgan 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.
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 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.
8When 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products 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.
12Morgan 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.
13Morgan 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.
14Investors 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
