Jim Phillips
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(801) 947-3030(801) 947-3030
The Phillips Group at Morgan Stanley
Direct:
(801) 947-3030(801) 947-3030
Toll-Free:
(800) 733-9036(800) 733-9036
Our Mission Statement
As a father-son team with nearly 40 years of experience, we strive to provide financial security for individuals, families, and institutions today, tomorrow, and for generations to come.
About Our Team
"What is most important to you?" That question guides the discussions we have with our clients. Is it a comfortable retirement, providing an education for family members, or leaving a lasting legacy?
At The Phillips Group, we are a father-son team nearly 40 years of experience helping families, professionals and institutions achieve their goals while securing their financial futures.
Our team was named to the Forbes Best-In-State Wealth Management Teams List for 2025
Our team was built on three critical pillars:
- A commitment to exceptional client service
- A family-oriented approach to our practice
- A strong belief in transparency and integrity
The families that we invest for have been with us since Day One, and we now proudly work with their children and grandchildren. Every client is unique, but we work to provide them with the highest client experience possible to help achieve their goals.
Many of our institutional clients enjoy the stability we help to bring to their business during transitional stages, such as changes in executives or investment platforms.
Once we have gotten to know you and identified your goals, we will create a customized wealth management plan that will serve as our guide. When the plan is in place, we will continuously monitor your performance and maintain a consistent dialogue to measure your progress and adapt to any changes in your life.
Disclosure: Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Services Include
- Wealth ManagementFootnote1
- Business PlanningFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Professional Portfolio ManagementFootnote5
- Endowments and FoundationsFootnote6
- Institutional ServicesFootnote7
- Cash Management and Lending ProductsFootnote8
- Corporate Retirement PlansFootnote9
- 401(k) Rollovers
- Alternative InvestmentsFootnote10
- Planning for Education FundingFootnote11
- Philanthropic ManagementFootnote12
- Trust ServicesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What Sets The Phillips Group Apart
Our passion lies in working with clients who seek the long-term, fully engaged relationships we value and who appreciate the attributes that set us apart:
Small Team Feel at a Global Leader
We are the ideal combination of a small-team feel within a global leader in Morgan Stanley. Our process is built on getting to know who you are as individuals, as couples, and as families.
We work with you to understand your experiences as they relate to money and life, while providing our perspective on your finances and insight into the best approach for your situation.
Morgan Stanley has devoted extensive resources to our financial planning services and is one of the leading wealth management firms globally. It is our commitment to use these capabilities to their fullest potential for our clients.
We work with you to understand your experiences as they relate to money and life, while providing our perspective on your finances and insight into the best approach for your situation.
Morgan Stanley has devoted extensive resources to our financial planning services and is one of the leading wealth management firms globally. It is our commitment to use these capabilities to their fullest potential for our clients.
Deep Industry Experience and Knowledge
Collectively we have nearly 40 years of experience in financial services, portfolio management, corporate retirement planning and advisory.
We believe in taking an investment approach that reflects long-term growth themes, opportunistic market trends and a patient commitment to your overall strategy.
We help our clients by providing them the market insights and rigorous due diligence that drive our business relationships. We provide the skills and guidance needed to help you grow your wealth in today’s ever-changing market environment.
We believe in taking an investment approach that reflects long-term growth themes, opportunistic market trends and a patient commitment to your overall strategy.
We help our clients by providing them the market insights and rigorous due diligence that drive our business relationships. We provide the skills and guidance needed to help you grow your wealth in today’s ever-changing market environment.
Family Oriented Approach
As a father-son team, we are in a unique position to understand the needs and goals of multigenerational families.
Of all that we’ve accomplished at The Phillips Group, we are most proud that many of our clients have been with us since Day One, and many of our relationships span two or more generations.
We believe in a long-term strategy across generations to support your objectives. We are client-focused, taking the time necessary to make sure that everyone’s voice is heard.
Of all that we’ve accomplished at The Phillips Group, we are most proud that many of our clients have been with us since Day One, and many of our relationships span two or more generations.
We believe in a long-term strategy across generations to support your objectives. We are client-focused, taking the time necessary to make sure that everyone’s voice is heard.
A Strong Moral Compass
Every decision we make is focused on doing the right thing for you. We seek to help you simplify your financial life and achieve your goals, offering solutions for your consideration with unbiased, objective advice.
Most importantly, we are committed to client service that emphasizes transparency, integrity, and confidentiality.
We provide values-based financial solutions, helping to ensure that your investments align with your personal principles.
Most importantly, we are committed to client service that emphasizes transparency, integrity, and confidentiality.
We provide values-based financial solutions, helping to ensure that your investments align with your personal principles.
Working to Put Business Owners in Position for Success
At The Phillips Group, we are proud to work with successful business owners on business management and financial planning. Our style is welcoming and approachable, making it easy to understand the details of the plans and strategies we recommend.
We understand the challenge in striking the right balance between managing your business and investing in your family’s financial goals. Our seasoned advisory team will guide you throughout the process to help put you on track to accomplishing your professional and personal financial objectives.
With a Chartered Retirement Plan Specialist (CRPS®) on the team, Aaron Phillips, we also work with business owners on their company retirement plan to help put themselves and their employees in position for long-term financial success.
Whether you manage a sole proprietorship, small business or larger institution, our team provides the experience and guidance needed to help you continue growing your business in today’s ever-changing market environment.
We understand the challenge in striking the right balance between managing your business and investing in your family’s financial goals. Our seasoned advisory team will guide you throughout the process to help put you on track to accomplishing your professional and personal financial objectives.
With a Chartered Retirement Plan Specialist (CRPS®) on the team, Aaron Phillips, we also work with business owners on their company retirement plan to help put themselves and their employees in position for long-term financial success.
Whether you manage a sole proprietorship, small business or larger institution, our team provides the experience and guidance needed to help you continue growing your business in today’s ever-changing market environment.
Services We Provide to Business Owners
At The Phillips Group, we can help business owners with Holistic Financial Management, Company Retirement Plans, Tax Sheltering Strategies, Cash Management and Lending Solutions, Risk Management, Succession Planning Strategies, and Educational Services for Employees.
Raising Capital for your Business
Explore various financing strategies for your business. This article weighs the pros and cons of using unsecured credit, commercial loans, and securities based loans to raise capital.
Read More
The Transaction of a Lifetime
Business owners devote their career to building their companies. Take a look at the document below to learn about the three stages of business succession planning. At The Phillips Group, we can work with you through each stage with the end goal being a successful exit from your business.
Read the DocumentHelping Organizations Fulfill Their Mission
The Phillips Group works closely with select non-profit organizations and foundations to service their respective missions. We are proactive and collaborative, working closely with these clients to help them grow their financial capital and extend their social impact.
Over the years, we have learned that a specific, repeatable, proven process is crucial to help these organizations succeed.
Over the years, we have learned that a specific, repeatable, proven process is crucial to help these organizations succeed.
Our Six-Step Process
- Step 1: Organizational Assessment
- Step 2: Cash Flow Analysis
- Step 3: Assist with the creation and/or review of Investment Policy Statement
- Step 4: Asset Allocation Study & Investment Manager Selection
- Step 5: Reporting and Communication
- Step 6: Ongoing review
We Commit To:
- Determining the appropriate strategy to further the goals of the organization
- Properly investing the Association's funds to meet approved goals
- Investing the organization’s reserves to serve the membership or causes that reflect the association's values
- Seeking to maximize the rate of return in a conservative strategy
- Helping to enhance or develop an appropriate investment policy
Planning Your Future
Our team will work with you to understand your priorities during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or managing your assets in retirement, our team has the experience and resources to help accomplish your personal and financial goals.
Understanding Your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help educate you on ways to grow and preserve your wealth.
Learn more about 401(k) Strategies
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Tax-Smart StrategiesLocation
6510 S Millrock Drive
Ste 100
Holladay, UT 84121
US
Direct:
(801) 947-3030(801) 947-3030
Toll-Free:
(800) 733-9036(800) 733-9036
Meet The Phillips Group
Aaron Phillips, CRPS®, CFP®
Financial Advisor, Chartered Retirement Plans Specialist, CERTIFIED FINANCIAL PLANNER®
Phone:
(801) 947-3032(801) 947-3032
Nicole Klekas
Wealth Management Analyst
Phone:
(801) 947-3034(801) 947-3034
Jordan Fletcher
Registered Client Service Associate
Phone:
(801) 947-3036(801) 947-3036
About Jim Phillips
Jim works with successful professionals, small business owners, and individuals to help simplify their finances, maintain their desired lifestyle throughout retirement, and achieve their lifelong goals. In addition to his work with individual clients, Jim works with institutions, not-for-profit organizations, and foundations. He has spent his entire career building client relationships based on trust and respect.
Jim has 30 years of experience in financial services and has been with Morgan Stanley and its predecessor firms since 2003. He is an Executive Director and Senior Investment Management Consultant, a designation that attests to his experience and skill in portfolio management. He was named to the firm's prestigious Master's Club in 2020, 2021, 2022, 2023 and 2024 . Jim earned a BS in Business Management from the University of Wyoming Laramie. Jim and The Phillips Group were named a Forbes 2023, 2024, and 2025 Best-In-State Wealth Management Team for Utah.
Jim is active in his church, and is an avid skier, cyclist, and Ironman triathlete – he has completed over 40 marathons. An Eagle Scout himself, Jim has donated his time and passion to the Boy Scouts of America and Youth Sports, in addition to the Intermountain Healthcare Homecare for Kids in Salt Lake City. Jim enjoys spending time outdoors with Tammy, his wife of 46 years, their three children and six grandchildren.
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on time period concluding in June of year prior to the issuance of the award.
Jim has 30 years of experience in financial services and has been with Morgan Stanley and its predecessor firms since 2003. He is an Executive Director and Senior Investment Management Consultant, a designation that attests to his experience and skill in portfolio management. He was named to the firm's prestigious Master's Club in 2020, 2021, 2022, 2023 and 2024 . Jim earned a BS in Business Management from the University of Wyoming Laramie. Jim and The Phillips Group were named a Forbes 2023, 2024, and 2025 Best-In-State Wealth Management Team for Utah.
Jim is active in his church, and is an avid skier, cyclist, and Ironman triathlete – he has completed over 40 marathons. An Eagle Scout himself, Jim has donated his time and passion to the Boy Scouts of America and Youth Sports, in addition to the Intermountain Healthcare Homecare for Kids in Salt Lake City. Jim enjoys spending time outdoors with Tammy, his wife of 46 years, their three children and six grandchildren.
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on time period concluding in June of year prior to the issuance of the award.
Securities Agent: WA, TX, UT, OK, KY, VA, ND, WI, WY, MI, MS, MO, NY, WV, OR, NM, SC, TN, PA, NJ, AR, CA, CT, NV, NC, AZ, MN, IA, MD, MA, LA, MT, KS, IL, ID, HI, GA, FL, DE, DC, CO, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1274472
CA Insurance License #: 0D03889
NMLS#: 1274472
CA Insurance License #: 0D03889
About Aaron Phillips
Aaron brings nearly 10 years of financial services industry experience to The Phillips Group. He works closely with clients on a daily basis, understanding their unique needs and using sophisticated wealth management and holistic planning to help them reach their goals. He also works with corporations to provide business solutions and retirement plan management, and helps oversee the trading platform for the team.
Before joining Morgan Stanley, Aaron worked as an analyst for the U.S. Department of Treasury in Washington D.C. He joined his father at Morgan Stanley in 2015. Aaron and The Phillips Group were named a Forbes 2023 - 2025 Best-In-State Wealth Management Team for Utah.
Aaron earned the Certified Financial Planner (CFP®) earned the Chartered Retirement Plans Specialist (CRPS®) designation from the College for Financial Planning. The CRPS® is designed for advisors who wish to design, install, and maintain company retirement plans. Aaron earned a BS in Finance from Brigham Young University.
Aaron is an active volunteer at his church, and enjoys an active lifestyle. He coaches swimming at the Cottonwood Heights Rec Center and is a dedicated skier, fisherman and marathon runner. He also enjoys camping, hiking, trail-running and swimming.
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on time period concluding in June of year prior to the issuance of the award.
Before joining Morgan Stanley, Aaron worked as an analyst for the U.S. Department of Treasury in Washington D.C. He joined his father at Morgan Stanley in 2015. Aaron and The Phillips Group were named a Forbes 2023 - 2025 Best-In-State Wealth Management Team for Utah.
Aaron earned the Certified Financial Planner (CFP®) earned the Chartered Retirement Plans Specialist (CRPS®) designation from the College for Financial Planning. The CRPS® is designed for advisors who wish to design, install, and maintain company retirement plans. Aaron earned a BS in Finance from Brigham Young University.
Aaron is an active volunteer at his church, and enjoys an active lifestyle. He coaches swimming at the Cottonwood Heights Rec Center and is a dedicated skier, fisherman and marathon runner. He also enjoys camping, hiking, trail-running and swimming.
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on time period concluding in June of year prior to the issuance of the award.
Securities Agent: TN, TX, UT, VA, VT, WA, WV, WY, WI, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NJ, NM, NV, NY, OK, OR, PA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1554850
NMLS#: 1554850
About Nicole Klekas
Nicole is the first point of contact for our clients and provides administrative and operational support for the team. She prides herself on her attention to detail, prompt responses and treating everyone with respect and care.
Nicole has worked in financial services for over 15 years. Before joining the team in 2015, she was an Investment Support Specialist at the Lincoln Financial Network. Nicole earned a BS in Financial Services from Westminster College, where she graduated Summa Cum Laude.
Outside the office, Nicole is a member of Huntsman Heroes, a group that trains for endurance events while raising money for Huntsman Cancer Institute in Salt Lake City. Nicole enjoys the outdoors and travelling with her husband, Steven, and their two children.
Nicole has worked in financial services for over 15 years. Before joining the team in 2015, she was an Investment Support Specialist at the Lincoln Financial Network. Nicole earned a BS in Financial Services from Westminster College, where she graduated Summa Cum Laude.
Outside the office, Nicole is a member of Huntsman Heroes, a group that trains for endurance events while raising money for Huntsman Cancer Institute in Salt Lake City. Nicole enjoys the outdoors and travelling with her husband, Steven, and their two children.
About Jordan Fletcher
Originally from Sandy, UT, Jordan works as a Client Service Associate for The Phillips Group. He studied Psychology during his undergraduate tenure at Brigham Young University and received his MBA from Utah Valley University. Jordan was a member of BYU swim and dive for four years, and later coached the team for five years. Jordan worked for several startups prior to joining Morgan Stanley. His latest position was Marketing Director for eKnowledge, a company that specializes in online preparation for standardized testing.
Jordan loves learning, meeting new people, and creating systems to improve people’s lives. Him and Aaron were teammates in little league football and were coached by Jim Phillips, creating a lifelong relationship between the three of them. Jordan loves working for The Phillips Group and comes to work every day ready to overcome any obstacles. His mother is from Peru and his father was a Spanish teacher, so learning and speaking Spanish came naturally to him.
Jordan’s faith and community are important aspects of his life. Outside of the office, he loves swimming, running, lifting, yoga, disc golf, and is always up for spontaneous challenges. Jordan and his wife, Hilary, have one baby girl, Mila, and a baby boy on the way.
Jordan loves learning, meeting new people, and creating systems to improve people’s lives. Him and Aaron were teammates in little league football and were coached by Jim Phillips, creating a lifelong relationship between the three of them. Jordan loves working for The Phillips Group and comes to work every day ready to overcome any obstacles. His mother is from Peru and his father was a Spanish teacher, so learning and speaking Spanish came naturally to him.
Jordan’s faith and community are important aspects of his life. Outside of the office, he loves swimming, running, lifting, yoga, disc golf, and is always up for spontaneous challenges. Jordan and his wife, Hilary, have one baby girl, Mila, and a baby boy on the way.
Contact Jim Phillips
Contact Aaron Phillips
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
Carrie Wayment
Associate Private Banker
Matt Parkin, CFP®, CWS®, CTFA®
Financial Planning Director, Vice President
About Carrie Wayment
Carrie Wayment is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Colorado, Wyoming, and Utah.
Associate Private Bankers partner with Private Bankers and 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.
Carrie began her career in financial services in 2010, when she joined Morgan Stanley as an Administrative Assistant. In 2014, she was promoted to Associate Private Banker.
Carrie is a graduate of the University of Utah, where she received a Bachelor of Science in Recreation and Leisure Studies. She lives in Salt Lake City, Utah. Outside of the office, Carrie volunteers at the Utah Refugee Center teaching refugee women how to sew. She is on the board of directors for Interwoven, a non-profit helping women hone their sewing skills for job placement. She also enjoys knitting, quilting, traveling, working in her yard and watching college football and basketball games.
Associate Private Bankers partner with Private Bankers and 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.
Carrie began her career in financial services in 2010, when she joined Morgan Stanley as an Administrative Assistant. In 2014, she was promoted to Associate Private Banker.
Carrie is a graduate of the University of Utah, where she received a Bachelor of Science in Recreation and Leisure Studies. She lives in Salt Lake City, Utah. Outside of the office, Carrie volunteers at the Utah Refugee Center teaching refugee women how to sew. She is on the board of directors for Interwoven, a non-profit helping women hone their sewing skills for job placement. She also enjoys knitting, quilting, traveling, working in her yard and watching college football and basketball games.
NMLS#: 1166865
About Matt Parkin
Matt Parkin is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Colorado overseeing office locations Colorado, Wyoming and Utah. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Matt began his career in financial services in 2008 and joined Morgan Stanley in 2021. Prior to his current position, he was a financial planner for the Wealth Strategies Group with Charles Schwab Corporation.
Matt attained his undergraduate degree from the University of Denver and an MBA in Finance and Accounting from Regis University. Matt holds his CERTIFIED FINANCIAL PLANNER™ and Certified Wealth Strategist® designations. Matt lives in Denver, Colorado. Outside of work, Matt enjoys spending time with his family and staying active outside. Matt is an avid golfer and volunteers at the First Tee Program.
Matt began his career in financial services in 2008 and joined Morgan Stanley in 2021. Prior to his current position, he was a financial planner for the Wealth Strategies Group with Charles Schwab Corporation.
Matt attained his undergraduate degree from the University of Denver and an MBA in Finance and Accounting from Regis University. Matt holds his CERTIFIED FINANCIAL PLANNER™ and Certified Wealth Strategist® designations. Matt lives in Denver, Colorado. Outside of work, Matt enjoys spending time with his family and staying active outside. Matt is an avid golfer and volunteers at the First Tee Program.
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?
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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
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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
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Ready to start a conversation? Contact The Phillips Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When 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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7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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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
9When 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.
10Alternative 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When 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.
4Morgan 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.
5Morgan 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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan 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
9When 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.
10Alternative 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12Products 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.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
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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)
