Our Story and Services

DREAM – PLAN – ENJOY

A sound financial strategy enables dreams to become reality and provides our clients the opportunity to enjoy more purposeful lives. Every family, company or organization has unique values and ambitions. As Financial Advisors, we work with our clients to develop Goals Based Financial Plans and individualized investment strategies that reflect those intentions.

The Patuxent Group at Morgan Stanley is a multigenerational practice of Financial Advisors, supported by highly seasoned client service professionals. We offer clients a high level of personalized advice and utilize Morgan Stanley's extensive Investment Advisory, Capital Markets and Cash Management capabilities to help fulfill our clients' goals.

Our team brings depth and experience to our investment and financial planning processes with a Certified Financial Planner (CFP®), a Chartered Financial Analyst (CFA®), two Morgan Stanley Corporate Retirement Directors, a Morgan Stanley Portfolio Management Director, four MBAs and two Morgan Stanley Alternative Investments Directors. Further, The Patuxent Group has 6 administrative staff dedicated to enhancing the client experience through digital engagement, cash management, coordination with estate and tax professionals, and portfolio analytics. Each of our 11 team members has the experience and knowledge to make a meaningful contribution to your financial future.

From 2023-2025, Jason Chamberlain has been named to the Forbes Best-In-State Wealth Advisors list.

2023-2025 Forbes Best-In-State Wealth Management Teams

  • Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
  • Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Suite of Services

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    Cash Management
    We can help your family with cash management, budget issues, advice on large purchases, or even help your child understand investments.
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    Retirement Planning
    We especially enjoy assisting you as you approach retirement. We will make sure your financial choices reflect your goals and help you shift from wealth accumulation to income management and wealth transfer strategies.
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    Education Planning
    Planning for higher education is one of the many goals we take pride in assisting our clients with. Seeing these goals turn into achievements inspires us to go above and beyond for our clients.
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    Corporate Retirment Plans
    Whether your business has five or 500 employees, providing a retirement plan can be a powerful tool for elevating your talent strategy. We are happy to help you select the right retirement solution for your business.
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    Endowments and Foundations
    We understand the challenges facing endowments and foundations and are prepared to assist clients achieve their investment goals.
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    Death and Estate Planning
    During this difficult time, our priority and promise to clients is a delicate and dedicated support system, providing you with not only financial but emotional relief.

Individual Plans for Individuals Like You

Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass virtually all the elements of your financial and personal life, seeking to make sure they align with your current and future goals.

Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, we can help you take charge of your financial future and achieve your goals.
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    Goals Planning System
    Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
    Click Here To Learn More
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    Retirement Planning
    What may have been considered a sure thing simply isn’t anymore. Americans must rely increasingly on their own devices to save for retirement.
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    Portfolio Risk Tool
    The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients
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    Spending and Budgeting Tool
    One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
    Click Here To Learn More

The Patuxent Method

Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is flexible to your wants and needs. Below is the process we take when meeting a new prospective client.
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    1. Introductory Call
    We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
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    2. Discovery
    We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. We review the documents you prepared and begin to define your priorities and timelines.
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    3. Analysis and Plan Development
    Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow and preserve your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
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    4. Plan Presentation
    In this step, we will present your financial plan that includes an investment portfolio that aligns your investments with your goals, timeframe, and risk level. We also discuss other wealth management solutions that may include risk management techniques.
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    5. Implementation
    Upon your approval of my recommendations, we begin to implement the strategies outlines in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, walk you through the details of your new statement and introduce all of the tools and recourses available to you.
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    6. Continued Service and Care
    Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to implement each strategy, we also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.

Team Accomplishments

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    2025 Forbes Best-In-State Wealth Management Teams

    Forbes Best-In-State Wealth Management Teams
    Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.

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    CERTIFIED FINANCIAL PLANNER® (CFP®) - Jason Chamberlain & Fuhler Pomeroy

    The Certified Financial Planner™ designation is awarded to candidates who have demonstrated extensive knowledge in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning strategies. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.

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    CHARTERED FINANCIAL ANALYST® (CFA®) - Sarah George

    A globally recognized professional designation that measures and certifies the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis. CFA charter holders wield an extensive body of knowledge in investing and global financial markets, placing clients' interests above their own, dedicating themselves to helping achieve the best possible outcomes for investors.

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    CHARTERED FINANCIAL CONSULTANT® (ChFC®) - Michael Bowden

    The Chartered Financial Consultant® (ChFC®) designation is a professional credential for financial advisors, signifying advanced knowledge in financial planning. Offered by The American College of Financial Services, the ChFC program covers a comprehensive range of topics, including insurance, income taxation, retirement planning, investments, and estate planning.

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    Family Wealth Director - Jason Chamberlain

    A highly trained group of advisors serving an elite clientele. The Family Wealth Director program includes specialized training that enables designees to offer access to the advanced resources needed to help affluent families address the complex multigenerational challenges of managing significant wealth. In completing the program, Family Wealth Directors have demonstrated competence in a wide range of family wealth management planning areas, including wealth transfer, family dynamics, asset management, risk management, lending, philanthropy, and business succession planning, monetizing business ownership and control, and restricted securities for corporate executives.

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    Alternative Investment Director - Jason Chamberlain & Sarah George

    This program was developed for Financial Advisors and Private Wealth Advisors who have relevant experience in alternative investments, meet the minimum criteria requirements and have significantly incorporated alternative investments into their practice.

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    Corporate Retirement Director - Jason Chamberlain

    This program is designed for Financial Advisors and Private Wealth Advisors who have substantial experience in corporate retirement planning, meet the minimum criteria requirements, and have effectively integrated retirement solutions into their practice. The role of a Corporate Retirement Director involves guiding corporate clients in the development and management of retirement plans that align with both employee needs and organizational objectives.

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    Workplace Advisor - Michael Bowden & Elizabeth McIver

    The Workplace Advisor program is crafted for Financial Advisors and Private Wealth Advisors who have demonstrated expertise in workplace financial solutions and have successfully integrated these services into their practice. This role focuses on advising corporate clients on employee financial wellness programs and retirement solutions, ensuring that these offerings align with both employee needs and corporate objectives.

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    Senior Portfolio Management Director - Jason Chamberlain

    Highly selective designation awarded to advisors based on strong compliance record and appropriate investment discipline allowing for the design and implementation of discretionary portfolio management services to clients

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
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    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
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    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

1201 Wills Street
Ste 700
Baltimore, MD 21231
US
Direct:
(410) 736-5328(410) 736-5328
6230 Old Dobbin Lane
Suite 100
Columbia, MD 21045
US
Direct:
(443) 259-3013(443) 259-3013

Meet The Patuxent Wealth Management Group

Photo of Jason Chamberlain

Jason Chamberlain, CRPS®, CFP®

Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Management Director, Corporate Retirement Director, Alternative Investments Director, Family Wealth Director
Phone:
(410) 736-5328(410) 736-5328
Photo of Steven G Grassl

Steven G Grassl, CRPS®

Second Vice President, Financial Advisor
Phone:
(443) 259-3014(443) 259-3014
Photo of Fuhler Pomeroy

Fuhler Pomeroy, CFP®

Financial Advisor
Phone:
(410) 736-5406(410) 736-5406
Photo of Kristin McCartin

Kristin McCartin

Assistant Vice President, Group Director
Phone:
(410) 736-5452(410) 736-5452
Photo of Gina Harper

Gina Harper

Portfolio Associate
Phone:
(410) 736-5330(410) 736-5330
Photo of Stephanie S. Langford

Stephanie S. Langford

Team Adminstrator
Phone:
(410) 736-5553(410) 736-5553
Photo of Ceil Madden

Ceil Madden

Senior Registered Client Service Associate
Phone:
(410) 736-5530(410) 736-5530
Photo of Grace Weaver

Grace Weaver

Client Service Associate
Phone:
(410) 736-5332(410) 736-5332
Photo of Kenton Brown

Kenton Brown

Client Service Associate
Phone:
(410) 736-5314(410) 736-5314

About Jason Chamberlain

Jason began his career with Morgan Stanley and its predecessor firms in 1997 and is a CERTIFIED FINANCIAL PLANNER practitioner.  Jason’s personalized wealth management process is designed to provide a roadmap to a client’s financial future.  As a Senior Investment Management Consultant, Jason designs tailored investment solutions to implement a client’s financial strategy.  Jason helps monitor a client’s performance and as circumstances change, suggests appropriate modifications to keep them moving towards their goals. Finally, Jason helps protect key financial goals by developing appropriate insurance coverage strategies.

Jason has experience working with Corporate Executives and uses his wealth management process to help maximize the benefits of their executive compensation strategies. As a Chartered Retirement Plans Specialist he has experience working with companies to establish and maintain retirement plans that provide effective participant outcomes.

Jason is an active member of Morgan Stanley’s Association of Professional Investment Consultants and serves on the board of the Howard County Estate Planning Council. He has a B.A. degree in Economics from the University of Maryland Baltimore County.  He is a past President of the UMBC Alumni Association and is a 2009 graduate of Leadership Howard County.  Jason serves on the Board of the Baltimore Montessori Public Charter School and was a member of the American Heart Association’s Executive Leadership Team for the Howard County Heart Ball for many years.  Jason, his wife Becky, and their children, William, Josie and Russell, live in Baltimore City.
Securities Agent: TN, PA, NH, MI, CA, MT, SC, OR, NY, VA, KY, IL, GA, FL, DC, OH, MD, KS, IA, WV, OK, ME, MA, ID, WI, RI, NJ, NC, AZ, UT, TX, MO, MN, IN, DE, CT, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290510
CA Insurance License #: 4129026

About Sarah George

Sarah is a Senior Vice President and Financial Advisor with Morgan Stanley. She joined The Patuxent Group in 2008 after beginning her career in wealth management in 2006.

Sarah is a CFA charterholder, Senior Portfolio Manager, and Alternative Investments Director. She holds a Master of Business Administration degree in Finance from Loyola University Maryland. She studied Economics at Towson University, graduating with a Bachelor of Science.

Sarah comes from a military family. She was fortunate to spend time in California, Europe and Hawaii before settling in Maryland. In her free time, she enjoys traveling to beaches, Pilates, running and spending time with her Boston Terrier, Freddie. Sarah is a passionate supporter of animal welfare organizations. She serves as Treasurer and Board Director for the Baltimore Humane Society in Reisterstown, Maryland.
Securities Agent: IA, ID, UT, FL, TX, MO, KS, GA, WI, SC, NJ, MN, PA, NC, KY, CT, OK, OH, NH, MI, ME, CA, CO, AZ, OR, MT, DE, WV, VA, TN, MD, MA, NY, IN, DC, RI, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1944106
CA Insurance License #: 4129572

About Elizabeth McIver

Elizabeth joined Morgan Stanley in 2013 as a Financial Advisor Associate, eventually joining the Patuxent Group in 2015.

Elizabeth is responsible for financial planning, which the Patuxent Group believes is at the center of the client relationship. Elizabeth finds it rewarding to help clients identify goals, and put a plan in place to achieve them.

Elizabeth earned her Bachelor of Science degree in Finance from the University of Maryland College Park, and Master of Business Administration degree from Mount St. Mary’s University. Prior to Morgan Stanley, Elizabeth worked as a Mutual Fund Accountant at T. Rowe Price, and a Revenue Officer for the Internal Revenue Service.

Born and raised in Maryland, Elizabeth lives in Baltimore County, in the Reisterstown area. Elizabeth enjoys spending time with her husband Joe, three children, Josh, Jake and Bella, and labradoodle Brody.
Securities Agent: CT, MN, TX, KS, IA, PR, NY, MS, ME, GA, WI, RI, KY, FL, SC, OH, NJ, DC, AZ, OK, MT, MI, ID, AK, WV, VA, IL, OR, NC, MD, DE, UT, TN, PA, IN, CA, MO, MA, CO, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 2347025

About Michael Bowden

As a financial advisor with Morgan Stanley, Michael Bowden is familiar with the complex issues related to investment and retirement planning. He uses financial planning as the foundation to develop personalized strategies to assist clients in achieving their financial goals. Retirees, senior executives, and federal government employees have all benefited from his experience. Mr. Bowden recognizes that life changes for everyone and a financial plan should evolve with those changes. Prior to his career as a financial advisor, Michael worked with special needs adults where he saw the importance of proper planning in making a meaningful impact on the lives of individuals.

In my free time I enjoy spending time with my wife and four kids, golfing, and working out.

Areas of focus include: retirement portfolio construction, IRA rollovers, and Rule 144 stock transactions.
Securities Agent: UT, TN, NC, MI, DC, OR, MN, ME, CO, CA, VA, TX, OK, MO, IA, FL, SC, NH, MA, KY, WI, MD, MT, IL, ID, DE, WV, PA, OH, IN, GA, AZ, RI, NY, NJ, KS, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1284540

About Steven G Grassl

Steve Grassl joined The Patuxent Group in September of 2024 to focus on retirement plans and non-profit clients. Steve has over 25 years’ experience working with plan sponsors. Steve earned a Bachelor of Science in Finance from the College of Business Management, University of Maryland, College Park. Steve has carved out a special niche within the industry as a Chartered Retirement Plan Specialist (CRPS®). This enables him to assist in educating participants and providing plan sponsors with continuous guidance regarding investments and the latest compliance requirements. This comprehensive skillset includes the formation, service, and maintenance of 401(k) plans for small and medium sized businesses.

In addition to the designation of Chartered Retirement Plans Specialist (CRPS), he has his Series 7, 63 and 65 registrations. His main goal is to define an evaluation process to help keep the decision makers out of harm’s way by creating a documented procedure for why today’s decisions were made. This will prove helpful in the years to come in helping explain today’s decisions to tomorrow’s responsible parties. He recognizes that investing requires constant vigilance and enjoys working closely with his clients helping them adapt to changes. Steve and his wife, Terri, have been longtime residents of Ellicott City raising three children.
Securities Agent: MN, DC, OR, ME, CA, WV, TN, NY, MO, IN, DE, MI, KY, WI, SC, MD, KS, CO, TX, OK, OH, NV, NJ, MA, IL, GA, FL, VA, UT, ID, AZ, CT, RI, PR, PA, NH, NC, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2147078

About Fuhler Pomeroy

Fuhler is a Financial Advisor with The Patuxent Group at Morgan Stanley, where he works closely with individuals, families, and business owners to help them define and achieve their long-term financial goals. He joined the team in 2018 and brings a client-first approach rooted in comprehensive planning, disciplined investment strategies, and ongoing guidance.

A graduate of Towson University with a concentration in Financial Planning, Fuhler holds the Certified Financial Planner™ designation, reflecting his commitment to the highest standards of competency and ethics in the industry. He is passionate about creating tailored strategies that address every stage of a client’s financial life—from building wealth to preserving it for future generations.

Fuhler is originally from Westminster, Maryland but now resides in the Locust Point neighborhood of Baltimore. Outside the office, Fuhler enjoys golfing, traveling, and boating in the Eastern Shore of Maryland.
Securities Agent: FL, WY, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PR, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2516075

About Kristin McCartin

Kristin McCartin is a Group Director with The Patuxent Group at Morgan Stanley in Baltimore, MD. Her career began with the firm in 2004 and she has held numerous positions during her tenure in Wealth Management. Kristin is responsible for overseeing all of the group’s administrative functions and the development, design and improvement of team operations. She acts as a liaison between Financial Advisors, support staff and branch management in order to deliver exceptional service to our clients.

Prior to this role Kristin worked with The Jeffrey | Chamberlain Group from 2004-2008 as a Registered Client Service Associate and in the Baltimore branch as a Complex Service Manager from 2008-2013. She has earned a BBA in Marketing and an MBA in Business Management from Loyola University in Maryland and is also a Registered Representative, having passed the Series 7, 63, 65, 9 and 10 examinations. Kristin, her husband Dan, son Dylan and daughter Avery live in the Stoneleigh neighborhood of Baltimore County.

About Gina Harper

Gina Harper is a Portfolio Associate for The Patuxent Group at Morgan Stanley. She joined the team in April, 2015 after working as a Senior Registered Client Associate for Wells Fargo Advisors from 2007-2015. Gina provides the proficient handling of all client administrative needs while providing a high level of service to all clients.

Gina's primary responsibility is managing new client relationships beginning with initial account opening, tracking account transfers and assisting the Financial Advisors with investment management implementation. She also works closely with the team to provide operational support for insurance and annuity products that we provide to clients.

Gina is a graduate of Rutgers University in New Jersey and is also a Registered Representative having passed the Series 7 and Series 66 examinations. Gina is an enthusiastic volunteer and supporter of the ASPCA and ALS Association. She, her daughter Gianna and yellow lab Banks enjoy living in Columbia, MD.

About Stephanie S. Langford

Stephanie is the Team Administrator for the Patuxent Group at Morgan Stanley. She joined Morgan Stanley in 1999 as a CSA and then became an Executive Assistant before joining the Patuxent Group in 2022. Stephanie holds her Securities Industries Essentials (SIE) and Series 7.

Her primary responsibilities include calendar management for the team, client event planning, expense management, travel arrangements, and continuing education and insurance license renewal. Stephanie also reaches out to clients for scheduling appointments, invitations, and gifting.

Stephanie earned a Bachelor of Science in Early Childhood Education from Townson University. Before joining Morgan Stanley, she was an Elementary School Teacher in Baltimore County. In her spare time, she volunteers for the France-Merrick Performing Arts Foundation as an usher, Howard County Recreation and Parks as a Volleyball gym supervisor and previously as her neighborhood Board President.

Hear From Our Clients

I have had the pleasure of working with Jason Chamberlain at Morgan Stanley for over 30 years. He is a great listener who takes the time to fully understand individual needs and provide tailored recommendations. His thoughtful guidance is focused on my priorities and objectives. Beyond solid financial advice, he has cultivated a dedicated team that provide prompt and knowledgeable responses to my questions. Jason's personalized approach has made a significant difference in my financial journey.
checkmarkVerified Client
We would like to express our sincere thanks for the work that Jason Chamberlain and the entire Patuxent Group has done for us over the past 20+ years. Throughout this period their expertise and attention to our ever-evolving financial needs has been exceptional. Particularly reassuring to us is our feeling of certainty in their listening skills, capabilities as financial advisors, and absolute integrity of their dealings with us.
checkmarkVerified Client
Mike has been a wonderful coach and financial resource supporting my retirement journey as well as being an ongoing successful investment strategist. His investment suggestions are sound while his strategy meets my goals. I like that Mike got to know my personality/investment style and tailored my holdings accordingly. I consider Mike more than my financial advisor but also a good friend. He is knowledgeable and approachable that allows for a flourishing, positive client/advisor relationship.
checkmarkVerified Client

Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.

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Financial Wellness

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Ready to start a conversation? Contact The Patuxent Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

1Investors 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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Alternative 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.

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3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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4Morgan 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

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5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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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.

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7Morgan 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.

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8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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11When 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.

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12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.

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13Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.

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14Morgan 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.

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15Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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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.

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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.

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CRC 4665150 (8/2025)