Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Insurance Planning Director, Senior Portfolio Manager, Branch Manager
Phone:
(928) 443-3065(928) 443-3065
The Palo Verde Group at Morgan Stanley
Direct:
(928) 442-0243(928) 442-0243
Toll-Free:
(888) 795-4565(888) 795-4565
Our Mission Statement
We provide comprehensive wealth management to help you meet life goals.
Welcome
Our team specializes in helping clients with the identification and prioritization of financial goals. We assist with the development of strategic plans to achieve those goals, while forecasting and managing risks to financial success.
The Palo Verde Group has been honored by Forbes as one of its Best-In-State Wealth Management Teams for 2025.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
https://www.morganstanley.com/disclosures/awards-disclosure.html
At the Palo Verde Group, we leverage technological resources, education, and industry experience for the benefit of our clients. It is our firm belief that objectives are reached more efficiently by implementing a detailed plan. Our thorough level of analysis allows us to develop a unique plan for every one of our clients. We put an emphasis on creating a collaborative environment where questions, concerns, and comments are welcomed. By using this method, we arrive at a solution that is custom, comprehensible, and effective. Regular and frequent portfolio reviews are conducted to ensure that our plan remains on track in a variable environment. While our strength is long-term planning, our firm also has a wide variety of tools to meet other needs. From complex trading and maintenance of employer retirement plans, to everyday banking and lending, we have the ability to help.
At the Palo Verde Group, we take pride in our ability to serve a diverse group of clients. We have experience managing assets for individuals, businesses, charitable organizations, and more. Whether your goal is to efficiently pass wealth to the next generation, contribute to a retirement plan for your employees, or establish a foundation to advance causes of personal importance, we have solutions for you.
Feedback from our clients has proven that we cultivate a financial experience that is second to none. By doing business with the Palo Verde Group, you will receive all the benefits of having a local advisor. Simultaneously, you will have access to all the opportunities that come with the worldwide leading firm that is Morgan Stanley. The highest-level research, strategies, products, and technology will be delivered to you by a team that is personally familiar with you and your community.
The Palo Verde Group has been honored by Forbes as one of its Best-In-State Wealth Management Teams for 2025.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
https://www.morganstanley.com/disclosures/awards-disclosure.html
At the Palo Verde Group, we leverage technological resources, education, and industry experience for the benefit of our clients. It is our firm belief that objectives are reached more efficiently by implementing a detailed plan. Our thorough level of analysis allows us to develop a unique plan for every one of our clients. We put an emphasis on creating a collaborative environment where questions, concerns, and comments are welcomed. By using this method, we arrive at a solution that is custom, comprehensible, and effective. Regular and frequent portfolio reviews are conducted to ensure that our plan remains on track in a variable environment. While our strength is long-term planning, our firm also has a wide variety of tools to meet other needs. From complex trading and maintenance of employer retirement plans, to everyday banking and lending, we have the ability to help.
At the Palo Verde Group, we take pride in our ability to serve a diverse group of clients. We have experience managing assets for individuals, businesses, charitable organizations, and more. Whether your goal is to efficiently pass wealth to the next generation, contribute to a retirement plan for your employees, or establish a foundation to advance causes of personal importance, we have solutions for you.
Feedback from our clients has proven that we cultivate a financial experience that is second to none. By doing business with the Palo Verde Group, you will receive all the benefits of having a local advisor. Simultaneously, you will have access to all the opportunities that come with the worldwide leading firm that is Morgan Stanley. The highest-level research, strategies, products, and technology will be delivered to you by a team that is personally familiar with you and your community.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Asset Management
- Sustainable InvestingFootnote4
- 401(k) Rollovers
- Life InsuranceFootnote5
- 529 PlansFootnote6
- AnnuitiesFootnote7
- Fixed IncomeFootnote8
- Long Term Care InsuranceFootnote9
- Precious MetalsFootnote10
- Trust AccountsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS: FOCUSED ON YOU AND YOUR GOALS
Only after we understand your full financial picture do we turn our attention to investment management, which involves four key steps.
Personal Review
Before we issue any recommendations, we conduct an extensive fact-finding mission to understand your goals, time horizon, attitude toward risk and other circumstances that may play a role in shaping your investment strategy.
Asset Allocation and Portfolio Planning
We analyze your input and develop an investment strategy intended to help you meet your specific needs in areas such as retirement and education, as well as estate planning and tax-minimization strategies. We then present to you a comprehensive plan that helps to identify appropriate diversification strategies.
Plan Implementation
After presenting you with a detailed strategy for your portfolio, we work closely with you to bring the elements of that strategy to life.
Proactive and Ongoing Monitoring and Reporting
Ongoing communication is a vital component of any good relationship. We make every effort to keep abreast of your changing financial goals and provide viable strategies to help you meet them. If your priorities or circumstances change, we help ensure that your assets are positioned according to your evolving needs. If necessary, we recommend adjustments to your strategy to help keep your portfolio on track.
Comprehensive and Individualized Financial Planning
The Palo Verde Group aims to provide you with a comprehensive and personalized view of your financial plan.
Leveraging a suite of tools, including goal-oriented analysis, we work with you to understand your investing preferences, legacy goals and financial vision. Our ongoing commitment is to monitor your progress, make personalized and feasible recommendations, and create a tailored specific solution to help you achieve your goals.
Leveraging a suite of tools, including goal-oriented analysis, we work with you to understand your investing preferences, legacy goals and financial vision. Our ongoing commitment is to monitor your progress, make personalized and feasible recommendations, and create a tailored specific solution to help you achieve your goals.
Retirement Planning
Assisting you in creating a thorough retirement plan that takes your investing preferences, legacy aspirations, and significant life events into account and dynamically adapts investing methods based on the different seasons of your life.
A Simple Six-Step Retirement Checkup
Goals Planning System (GPS)
Whatever it is you want to achieve, we are here to help. The Palo Verde Group can help you uncover your needs, manage risk, and build a customized plan to help you reach your financial goals. Goals Planning System (GPS) is Morgan Stanley's integrated planning tool. It is an intuitive and efficient platform used to quickly assess your progress towards achieving your financial goals.
Insurance
We take a close look at your financial profile to see what type(s) of insurance best fit your needs and goals and determine if your current insurance policies are best suited for you and your goals.
Estate Planning Strategies
We look at all aspects of an individual’s estate to understand the potential income tax and estate planning implications. Our goal is to make informed investment decisions looking at your estate plan holistically. Click the link below to learn more about estate planning.
Managing Debt
We review your mortgage, car loans, credits cards, and any other debts that you may have in order to help determine where you can save interest. We help create a timeline for your debt payments by prioritizing which ones should be paid off first.
Managing Investments
We take care of your retirement accounts and other investments based on your preferences, goals, and tax circumstances. We tailor your financial strategy to your unique situation.
VALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and better long-term decisions. As a result, The Palo Verde Group is committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal Tax TablesInvestor Resources
Timely market commentary, thought leadership and portfolio ideas to help guide your investment decisions.
GIC On the Markets
The latest edition of “On the Markets,” a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
GIC On the Markets
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Market Podcast
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas PodcastLocation
118 E Carleton Street
Suite C & D
Prescott, AZ 86303
US
Direct:
(928) 442-0243(928) 442-0243
Toll-Free:
(888) 795-4565(888) 795-4565
Meet The Palo Verde Group
Landon Pooley
Financial Advisor, Financial Planning Specialist
Phone:
(928) 443-3063(928) 443-3063
Ben Kissel
Registered Client Service Associate
Phone:
(928) 443-3069(928) 443-3069
About Chris Kissel
Chris has been a licensed investment professional for more than 25 years. He implements wealth strategies tailored to each client’s unique situation. As a portfolio manager with Morgan Stanley’s Portfolio Management Program, he takes the time to understand client’s unique situations and can help develop a personalized investment strategy. This strategy follows a disciplined three-step process that helps address individual circumstances and goals. He sets financial objectives, creates a tailored investment portfolio, and manages it on a discretionary basis on your behalf. He is firmly committed to long-term relationships and strives to deliver exceptional client service.
Chris is an alumnus of Northern Arizona University with a Bachelor of Science degree. He worked as a Financial Advisor for Wells Fargo Private Client Services for 17 years prior to joining Morgan Stanley in 2009.
He lives in Prescott with his wife and has three boys. Chris enjoys spending time with the family as well as fishing, hunting, and participating in numerous sporting activities.
Chris is an alumnus of Northern Arizona University with a Bachelor of Science degree. He worked as a Financial Advisor for Wells Fargo Private Client Services for 17 years prior to joining Morgan Stanley in 2009.
He lives in Prescott with his wife and has three boys. Chris enjoys spending time with the family as well as fishing, hunting, and participating in numerous sporting activities.
Securities Agent: NC, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY, WV, VT, VI, MS, LA, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1261913
CA Insurance License #: 0D77649
NMLS#: 1261913
CA Insurance License #: 0D77649
About Landon Pooley
Originally from Mitchell, South Dakota, I pursued my passion for finance at the University of Nebraska-Lincoln, where I earned a Bachelor of Science in Business Administration with a focus on Finance. This education laid the foundation for my career as a financial advisor, where I help clients navigate the complexities of their financial lives.
In 2020, I moved to Prescott, Arizona, with my wife, McKenzie, and our golden retriever, Gus. We quickly grew fond of the area’s natural beauty and outdoor lifestyle, from hiking trails to camping spots to golfing at local courses.
As a Financial Advisor with The Palo Verde Group, I take a detailed, client-focused approach to wealth management. By understanding each client's unique goals and challenges, I create tailored strategies that evolve as their lives change. I’m committed to providing clear, actionable advice, and I take pride in guiding clients toward achieving their financial goals with confidence and security.
In 2020, I moved to Prescott, Arizona, with my wife, McKenzie, and our golden retriever, Gus. We quickly grew fond of the area’s natural beauty and outdoor lifestyle, from hiking trails to camping spots to golfing at local courses.
As a Financial Advisor with The Palo Verde Group, I take a detailed, client-focused approach to wealth management. By understanding each client's unique goals and challenges, I create tailored strategies that evolve as their lives change. I’m committed to providing clear, actionable advice, and I take pride in guiding clients toward achieving their financial goals with confidence and security.
Securities Agent: OK, MT, MS, AZ, VI, RI, ND, NC, MO, LA, IA, CO, AL, AK, HI, GA, VA, PA, DC, TN, SC, NH, NE, KS, DE, WV, PR, NY, NJ, IN, ID, WI, VT, OH, MN, IL, FL, CA, TX, OR, NM, MI, MA, AR, UT, SD, NV, MD, CT, WY, ME, KY, WA; General Securities Representative; Investment Advisor Representative
About Ben Kissel
Ben Kissel, Client Service Associate, joined Morgan Stanley in June 2023. Ben supports clients in their day-to-day account needs and provides operational support to the team.
Ben graduated from the University of Arizona in 2022 with a BSBA in Business Economics through the Eller College of Management.
In his free time, Ben enjoys golfing, skiing, hiking, and spending time with family.
Ben graduated from the University of Arizona in 2022 with a BSBA in Business Economics through the Eller College of Management.
In his free time, Ben enjoys golfing, skiing, hiking, and spending time with family.
Contact Chris Kissel
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
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Palo Verde Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
11Morgan 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.
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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
11Morgan 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.
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)
