Johnny Peden
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(864) 370-7276(864) 370-7276
The Peden Group at Morgan Stanley
Direct:
(864) 370-7276(864) 370-7276
Our Mission Statement
Helping build solid foundations for every stage of your financial life.
About Us
As a family-oriented team of financial professionals, we understand the financial issues that many families face and the dynamics that influence how they face them.
Johnny Peden, the founder of the team, is a Morgan Stanley-credentialed Portfolio Management Director with over 26 years of financial services experience. Peden Ford offers comprehensive financial planning that encompasses not only your investments, but other dimensions of your financial life. Lisa Peden and Ashley Fowler provide exceptional service that can go a long way toward helping you simplify your financial life. We are also honored to be named to the Forbes Best-In-State Wealth Management Teams list for South Carolina in 2024 and 2025.
Together, our family can help yours prepare for your goals, address your concerns and approach your financial future with greater clarity and confidence.
2024-2025 Forbes Best-In-State Wealth Advisors
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.
Johnny Peden, the founder of the team, is a Morgan Stanley-credentialed Portfolio Management Director with over 26 years of financial services experience. Peden Ford offers comprehensive financial planning that encompasses not only your investments, but other dimensions of your financial life. Lisa Peden and Ashley Fowler provide exceptional service that can go a long way toward helping you simplify your financial life. We are also honored to be named to the Forbes Best-In-State Wealth Management Teams list for South Carolina in 2024 and 2025.
Together, our family can help yours prepare for your goals, address your concerns and approach your financial future with greater clarity and confidence.
2024-2025 Forbes Best-In-State Wealth Advisors
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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Working with You
We strive to learn as much as we can about our clients and their families. That is why we encourage them to introduce us to their attorney, accountant, and, of course, other family members. It is also why our initial discussions tend to focus on how you are investing your assets, how much risk you are comfortable assuming, what goals you are trying to reach and whether or not you are on track to achieving them.
At the core of our process for working with clients is a comprehensive financial plan that helps prioritize your goals, assess how close you are to reaching them and determine how likely you are to achieving them within a specific time. The personalized plan we develop for you contains tangible recommendations for not only your investments, but estate plan, lending, insurance and other financial disciplines.
When it comes to your investments, Johnny Peden is a Morgan Stanley Portfolio Management Director with the credentials to manage assets on a discretionary basis. Through his long financial services career, Johnny has developed several distinct portfolio models for investors with various risk tolerances. His customized approach relieves you of day-today investment decisions you may not wish to make on your own.
As you would expect, our team monitors your performance on an ongoing basis to make certain you are progressing as anticipated toward the goals we identified together.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
At the core of our process for working with clients is a comprehensive financial plan that helps prioritize your goals, assess how close you are to reaching them and determine how likely you are to achieving them within a specific time. The personalized plan we develop for you contains tangible recommendations for not only your investments, but estate plan, lending, insurance and other financial disciplines.
When it comes to your investments, Johnny Peden is a Morgan Stanley Portfolio Management Director with the credentials to manage assets on a discretionary basis. Through his long financial services career, Johnny has developed several distinct portfolio models for investors with various risk tolerances. His customized approach relieves you of day-today investment decisions you may not wish to make on your own.
As you would expect, our team monitors your performance on an ongoing basis to make certain you are progressing as anticipated toward the goals we identified together.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Our Clients
We take great pride in the depth and longevity of our client relationships, many of which have extended from generation to generation. That is primarily because we believe in getting to know not only our clients, but their spouses, children and grandchildren.
Just as our clients want to know how their assets are being managed, we want to know about them. How much are they spending and saving? Are their accounts at other financial institutions titled appropriately and performing as anticipated? Are they planning a major purchase like a car or new home? What about the legacy they hope to leave someday? Do their heirs understand the basics of investing and the complexities that may accompany their inheritance?
We have found that the more questions we ask, the better we can advise our clients. Perhaps that is why so many of them ask us questions, too – questions that may or may not have anything to do with their investment portfolios. Should I buy or lease my next car, for example? Or what kind of mortgage do you think I should apply for?
When clients look at us as their primary source of financial advice, we know we have achieved our goal – to earn the trust of the people we serve by helping every member of their families make more astute financial decisions.
Just as our clients want to know how their assets are being managed, we want to know about them. How much are they spending and saving? Are their accounts at other financial institutions titled appropriately and performing as anticipated? Are they planning a major purchase like a car or new home? What about the legacy they hope to leave someday? Do their heirs understand the basics of investing and the complexities that may accompany their inheritance?
We have found that the more questions we ask, the better we can advise our clients. Perhaps that is why so many of them ask us questions, too – questions that may or may not have anything to do with their investment portfolios. Should I buy or lease my next car, for example? Or what kind of mortgage do you think I should apply for?
When clients look at us as their primary source of financial advice, we know we have achieved our goal – to earn the trust of the people we serve by helping every member of their families make more astute financial decisions.
Our Investment Strategy
Johnny Peden, the founder of The Peden Group, is a Morgan Stanley-credentialed Portfolio Management Director with the credentials to assume responsibility for day-to-day investment decisions that you would rather not make on your own.
Through his long financial career, Johnny has developed several distinct portfolio models for investors with different objectives and risk tolerances. Portfolios may consist of individual stocks, exchange-traded funds and fixed income securities in various combinations, but they all share several features in common:
• Portfolios are constructed with the assistance of Morgan Stanley’s experienced research professionals
• Portfolios are adjusted on a regular basis to maintain their original risk/reward characteristics
• Transparency is a priority. You will always know what you own and how your portfolio is performing.
As a Peden Group client, you participate only in those portfolios that meet your individual profile. Of course, you can contact us whenever you wish to discuss current market conditions and what we are doing to potentially take advantage of them.
Through his long financial career, Johnny has developed several distinct portfolio models for investors with different objectives and risk tolerances. Portfolios may consist of individual stocks, exchange-traded funds and fixed income securities in various combinations, but they all share several features in common:
• Portfolios are constructed with the assistance of Morgan Stanley’s experienced research professionals
• Portfolios are adjusted on a regular basis to maintain their original risk/reward characteristics
• Transparency is a priority. You will always know what you own and how your portfolio is performing.
As a Peden Group client, you participate only in those portfolios that meet your individual profile. Of course, you can contact us whenever you wish to discuss current market conditions and what we are doing to potentially take advantage of them.
Forbes Best-In-State Wealth Management Teams 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes Best-In-State Wealth Management Teams 2024
We are proud to share that we have been named Forbes Best-In-State Wealth Management Teams for 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes Best-In-State Wealth Advisors
We are proud to share that Johnny Peden has been named to the Forbes Best-In-State Wealth Advisors list for 2024
Forbes Best-In-State Wealth Management Teams 2025
We are proud to share that we have been named Forbes Best-In-State Wealth Management Teams for 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25.
Location
201 East McBee Ave, 1st
Fl
Greenville, SC 29601
US
Direct:
(864) 370-7276(864) 370-7276
1320 Main Street
Suite 800
Columbia, SC 29201
US
Direct:
(864) 370-7276(864) 370-7276
Meet The Peden Group
Peden Ford
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(864) 370-7263(864) 370-7263
Ashley Fowler
Client Service Associate
Phone:
(864) 370-7243(864) 370-7243
About Johnny Peden
Johnny brings more than 25 years of financial services experience to every client he advises. He founded The Peden Group to provide clients with comprehensive wealth management that includes not only their investments, but lending, insurance, estate planning strategies and other dimensions of their financial lives.
A native South Carolinian, Johnny graduated from Clemson University with a BS in Agricultural Mechanization and Business. For the next twelve years, he worked in the farm implement sales business before following what had become his passion for financial markets and joining Morgan Stanley.
With many of his former farming equipment customers now his clients, Johnny realized that many successful people don’t have the time to monitor markets, research companies and manage their investment portfolios. He became a Morgan Stanley Portfolio Management Director with the credentials to manage client assets and relieve clients of day-to-day investment decisions they would rather not make on their own. Over the years, he has developed several portfolio models for investors with differing objectives and risk tolerances.
Johnny and his wife Lisa, who joined the team in 2018, reside in Fountain Inn, SC where they are active members of the community. Among the organizations they support are March of Dimes and Fairview Presbyterian Church.
A native South Carolinian, Johnny graduated from Clemson University with a BS in Agricultural Mechanization and Business. For the next twelve years, he worked in the farm implement sales business before following what had become his passion for financial markets and joining Morgan Stanley.
With many of his former farming equipment customers now his clients, Johnny realized that many successful people don’t have the time to monitor markets, research companies and manage their investment portfolios. He became a Morgan Stanley Portfolio Management Director with the credentials to manage client assets and relieve clients of day-to-day investment decisions they would rather not make on their own. Over the years, he has developed several portfolio models for investors with differing objectives and risk tolerances.
Johnny and his wife Lisa, who joined the team in 2018, reside in Fountain Inn, SC where they are active members of the community. Among the organizations they support are March of Dimes and Fairview Presbyterian Church.
Securities Agent: TX, KY, KS, SC, NY, IN, GA, WA, PA, LA, AL, VA, NC, MI, AZ, OK, DC, CT, MN, MO, IL, MD, CO, NM, NJ, FL, CA, OH, NH, IA, UT, MA, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1479391
NMLS#: 1479391
About Peden Ford
Peden brings strong analytical skills and planning experience to Peden Group clients. He plays a key role in the team’s financial planning efforts, formulating plans that help clients pursue their goals more effectively. Typically, these plans encompass such client concerns as retiring comfortably, minimizing risk and leaving a meaningful legacy to the next generation.
Peden joined The Peden Group in 2015 after beginning his financial services career as a credit analyst with a regional consumer loan provider. He also interned at Northwestern Mutual while attending The University of South Carolina Upstate where he earned a BA in Finance and Economics.
Like Johnny Peden, the founder of the team, Peden was born and raised in Fountain Inn, South Carolina on the same farmland where their family settled almost 250 years ago. Outside the office, he enjoys duck hunting, vintage cars and anything outdoors.
Peden joined The Peden Group in 2015 after beginning his financial services career as a credit analyst with a regional consumer loan provider. He also interned at Northwestern Mutual while attending The University of South Carolina Upstate where he earned a BA in Finance and Economics.
Like Johnny Peden, the founder of the team, Peden was born and raised in Fountain Inn, South Carolina on the same farmland where their family settled almost 250 years ago. Outside the office, he enjoys duck hunting, vintage cars and anything outdoors.
Securities Agent: AL, IN, UT, VA, CA, NJ, KY, DC, OK, MI, MN, IL, MO, AZ, CT, SC, OH, NC, PA, LA, TN, MA, KS, IA, WA, NM, NH, GA, CO, TX, NY, MS, MD, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1809622
NMLS#: 1809622
About Ashley Fowler
Ashley is a native of Liberty, South Carolina but relocated to Greenville, South Carolina after graduating. She is a 2019 graduate of North Greenville University, where she obtained a Bachelor of Science in Accounting. Ashley began her career in the financial industry at UBS Financial Services, Inc. in 2018 as an intern while in school, and stepped into a full-time client service associate role upon graduating. She is passionate about helping clients reach their financial objectives, and ensuring clients receive the highest level of service.
In addition to her work and education, Ashley enjoys spending time with her friends and family, traveling, and giving back in the community.
In addition to her work and education, Ashley enjoys spending time with her friends and family, traveling, and giving back in the community.
About Lisa Peden
Lisa grew up in Sumter, SC and is a 1983 graduate of Clemson University with a Bachelor of Science in Accounting. She worked with AgSouth Farm Credit for over 34 years in accounting and operations prior to shifting her focus to HR and becoming the Chief Human Resources Officer before retiring in December of 2017. Her experience in her previous career of Human Resources is beneficial to the team as we focus on building and strengthening client relationships.
About Shari Hordern
With 10 years in the financial services industry, Shari handles a variety of client needs such as trades, money movement, and legal processing. She started her career with Wells Fargo before coming to Morgan Stanley. Shari, a South Carolina native, graduated from the University of South Carolina with a BS in Biology.
Shari and her husband Robert have 4 dogs: Joy, Tyra, Mya (all Shih Tzu mix) and Cooper (Labradoodle). Outside of work, she enjoys maintaining her vegetable and flower garden.
Shari and her husband Robert have 4 dogs: Joy, Tyra, Mya (all Shih Tzu mix) and Cooper (Labradoodle). Outside of work, she enjoys maintaining her vegetable and flower garden.
Contact Johnny Peden
Contact Peden Ford
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jared M. Bush
Private Banker
About Jared M. Bush
Jared Bush is a Private Banker serving Morgan Stanley Wealth Management offices in the Carolinas.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
NMLS#: 619654
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
Ready to start a conversation? Contact The Peden Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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.
4Morgan 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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Investors 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.
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.
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2Morgan 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.
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.
4Morgan 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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Investors 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.
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.
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CRC 6491812 (04/2024)
