Mark Ralston, QPFC
Senior Vice President, Wealth Management, Financial Advisor, Corporate Retirement Director
Phone:
(316) 383-8303(316) 383-8303
The Ralston Group at Morgan Stanley
Direct:
(316) 383-8303(316) 383-8303
Toll-Free:
(800) 733-0388(800) 733-0388
Our Mission Statement
We are dedicated to helping our clients enjoy life with the confidence that their financial goals are being met.
The Ralston Group at Morgan Stanley
Comprehensive wealth management takes a skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to tackle your family’s personal financial challenges.
We are a seasoned advisory team who know what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, our team focuses on what is most important to you. We provide the skills, sophisticated strategies, and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
As your financial advisory team, we use our astute problem-solving skills coupled with an impassioned willingness to roll up our sleeves and identify forward-thinking strategies intended to help meet and exceed your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience can potentially be.
Here at the Ralston Group, our financial advisors, Mark Ralston and Nathan Ralston, combine the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique.
The Ralston Group at Morgan Stanley is proud of the services and solutions we offer to our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
We are a seasoned advisory team who know what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, our team focuses on what is most important to you. We provide the skills, sophisticated strategies, and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
As your financial advisory team, we use our astute problem-solving skills coupled with an impassioned willingness to roll up our sleeves and identify forward-thinking strategies intended to help meet and exceed your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience can potentially be.
Here at the Ralston Group, our financial advisors, Mark Ralston and Nathan Ralston, combine the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique.
The Ralston Group at Morgan Stanley is proud of the services and solutions we offer to our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Services Include
- Corporate Retirement PlansFootnote1
- Qualified Retirement PlansFootnote2
- Defined Contribution PlansFootnote3
- AnnuitiesFootnote4
- Cash ManagementFootnote5
- Endowments and FoundationsFootnote6
- Financial PlanningFootnote7
- Life InsuranceFootnote8
- Planning for Education FundingFootnote9
- Professional Portfolio ManagementFootnote10
- Retirement PlanningFootnote11
- Sustainable InvestingFootnote12
- Trust AccountsFootnote13
- Trust ServicesFootnote14
- UGMA/UTMAFootnote15
- Wealth ManagementFootnote16
- 529 PlansFootnote17
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Planning Process
To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. Here with The Ralston Group at Morgan Stanley, we use a four-step Goals Based Planning System (GPS) and LifeView Financial Planning Software to create your personal roadmap towards financial achievement and protection.
We believe that regular communication, scheduled progress updates and continuous monitoring of plans are the key to ensure our clients remain on track toward meeting their goals.
We believe that regular communication, scheduled progress updates and continuous monitoring of plans are the key to ensure our clients remain on track toward meeting their goals.
Step 1: Discover
With the Ralston Group, we take the time to fully understand your full financial picture, quantify your goals, values and road map your objectives.
Step 2: Advise
After the discovery process, we create a holistic, custom-tailored wealth plan to help keep you on track. We will go over any questions and offer our insights and advice to answer all of your questions.
Step 3: Implement
Once the plan is agreed upon, we will execute the next steps. In addition to this service, we pride ourselves by adding value year-round with tax-aware and cost-sensitive capabilities.
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Step 4: Monitor
As your financial advisor team at Morgan Stanley, we continually track progress, so you know where you stand relative to your financial goals and we will adjust to changing needs and circumstances while managing risk to ensure your portfolio and financial picture are on track to your defined goals.
Step 5: Check In
We believe in regular communication, scheduled progress updates and continuous monitoring of plans to ensure that our clients remain on track toward meeting their goals.
Contact Us
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Goals Planning System
Our Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
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Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn MoreOur Suite of Services
As your wealth grows, so does its complexities and the resources needed to manage it effectively. Our team with The Ralston Group at Morgan Stanley leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. Our teams combined experience in conjunction with Morgan Stanley’s state of the art technology, intellectual capital and extensive resources enables us to create customized, holistic plans for clients that consist of Professional Portfolio Management, Advanced Risk Analytics , Tax management Strategies, Estate Planning Strategies, Philanthropic and Legacy Planning, Liquidity and Borrowing Needs, Hedging and Monetization Strategies for Concentrated Equity Positions, and more.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Retirement Planning
One of our key areas of focus at The Ralston Group is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Learn More Here
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Alternative Investments
Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
Cash Management Services
Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
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Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Morgan Stanley at Work Solutions for your Business
Utilizing the powerful Morgan Stanley at Work platform, The Ralston Group at Morgan Stanley is able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions which include Retirement Solutions, Financial Wellness and Equity Solutions.
Retirement Plan Solutions
Take care of tomorrow, so your employees can take charge of today.
Our Retirement Solutions help your company and employees maximize their benefits and make informed decisions about the future.
Our Retirement Solutions help your company and employees maximize their benefits and make informed decisions about the future.
Financial Wellness
Inspire your employees to achieve their goals, wherever they are on their journey. Our Financial Wellness offering helps your employees reduce financial stress and build resiliency, so they can be more confident at work and in life.
Equity Solutions
Create a culture of excellence through a culture of ownership. Our global equity solutions, including Equity Edge Online® and Shareworks, help your company and your employees make the most of your equity compensation plan.
We serve a full spectrum of plan types including:
• 401(k) and 403(b) Plans
• Pension Plans
• Non-Qualified Deferred Compensation Plans
• SEP IRA
• SIMPLE IRA
• Keogh plans
How to evaluate your Retirement Plan Health• Pension Plans
• Non-Qualified Deferred Compensation Plans
• SEP IRA
• SIMPLE IRA
• Keogh plans
Dedicated Support and Guidance, Backed by Experience
More services. Lighter administrative load. We offer plan sponsors solutions to help reduce their fiduciary burden and simplify management.
• Plan Competitiveness and Fiduciary Risk Management
• Investment Selection and Monitoring
• Employee Retirement Readiness
The Value of a Financial Advisor to a 401(k)• Plan Competitiveness and Fiduciary Risk Management
• Investment Selection and Monitoring
• Employee Retirement Readiness
Comprehensive Services, Made Simple
We offer the tools, advice and support you need to manage your retirement program with confidence from every angle.
1. Plan Evaluation: We provide a needs assessment, perform benchmarking and run provider searches to help you ensure your plan is set up to achieve its goals.
2. Investment Management: We produce investment policy statements, lead investment selection and perform investment monitoring to give your employees access to money management resources.
3. Plan Management: Through lead issue resolution, fiduciary audit and fee analysis, we help streamline administration and make sure your plan stays in compliance.
4. Plan Participation: We provide content, seminars, and strategic planning resources to educate, engage and excite your employees about preparing for retirement.
1. Plan Evaluation: We provide a needs assessment, perform benchmarking and run provider searches to help you ensure your plan is set up to achieve its goals.
2. Investment Management: We produce investment policy statements, lead investment selection and perform investment monitoring to give your employees access to money management resources.
3. Plan Management: Through lead issue resolution, fiduciary audit and fee analysis, we help streamline administration and make sure your plan stays in compliance.
4. Plan Participation: We provide content, seminars, and strategic planning resources to educate, engage and excite your employees about preparing for retirement.
RETIRE WITH CONFIDENCE
The Ralston Group can help you map a comprehensive retirement plan that dynamically adjusts investing strategies based on the different stages of your life and accounts for your investing preferences, legacy goals and important life events. Let’s connect if you would like to learn more about how we can help you retire with confidence:
You’re Ready for Retirement. Is Your Portfolio?
You’re Ready for Retirement. Is Your Portfolio?
What can you do to avoid running out of money in retirement? Fortunately, there are ways to help you prepare for the market's unknowns as you advance toward retirement.
Learn More HereWhat can you do to avoid running out of money in retirement? Fortunately, there are ways to help you prepare for the market's unknowns as you advance toward retirement.
5 Mistakes to Avoid in Retirement
To keep your life and retirement goals on track, here are several pitfalls to avoid, as you embark on this new, exciting chapter in your life.
Learn More Here
A Simple Six-Step Retirement Checkup
How much money is enough for a comfortable retirement? Here is a check-up that may help you optimize your plan in the year ahead.
Learn More Here
You Work Hard, Make Your 401(k) Plan Work Harder
Retire the notion that it is still too early to save, and start saving early so you will have the freedom to enjoy your future in style.
Learn More Here
Tax-Smart Strategies for Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Consider these strategies to help you reduce your taxable income, generate tax-advantaged growth potential in your accounts and keep more of what you’ve worked so hard to save.
Learn More HereLocation
1617 N Waterfront Pkwy
Ste 200
Wichita, KS 67206
US
Direct:
(316) 383-8303(316) 383-8303
Toll-Free:
(800) 733-0388(800) 733-0388
Fax:
(316) 383-8320(316) 383-8320
Meet The Ralston Group
Nathan Ralston, QPFC
Financial Advisor
Phone:
(316) 383-8333(316) 383-8333
Kay A Koehler
Senior Registered Associate
Phone:
(316) 383-8323(316) 383-8323
About Mark Ralston
Mark Ralston is a Senior Vice President and Financial Advisor at Morgan Stanley based in Wichita, KS. Mark has extensive knowledge and experience within the financial industry, particularly when providing detail driven advice and retirement planning services to business owners, corporations, companies, retirement plan participants and individuals who are looking for a professional for money management. In addition, Mark works with families and individuals around the country in striving towards their financial goals. He has over 27 years of experience within the financial industry and has been with Morgan Stanley since 2012. He holds the Series 7, 63, 65, Qualified Plan Financial Consultant certification, and Kansas Life Insurance and Variable Contracts licenses. Mark received his Bachelor’s degree from Emporia State University where he majored in Accounting.
Mark’s background formulates a well-rounded Financial Advisor with working experience in a variety of areas. He started off his career in public accounting and banking. Both of these careers helped him better understand finances, taxes and the need to develop and maintain a financial plan. While Financial Advisors do not offer tax advice, Mark's experience in accounting has helped when building financial plans by incorporating tax minimization strategies into his clients financial pictures.
Of Morgan Stanley’s more than 16,000 Financial Advisors, Mark Ralston is among the 2% that qualified for the prestigious designation of Corporate Retirement Director as of July 2022. The CRD designation recognizes Financial Advisors who have dedicated their practice to helping corporate clients manage all aspects of their retirement plans. In addition, Mark focuses on helping his clients develop integrated strategies for the management of their wealth by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning.
As your Financial Advisor, Mark can help you define and strive to meet your goals by delivering a vast array of resources to you that is most appropriate for what you want to achieve. Working together, he can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Mark’s interests include attending sporting events and concerts, boating, traveling and various outdoor activities. Catching every sunrise and sunset are treasured activities at the lake for Mark and his family. Mark enjoys entertaining his family and friends. He has served as an Ambassador for the local Chamber of Commerce. In addition, Mark was President of the Booster Club for a local college athletic department. He also served as President of a local service organization and is a volunteer for the United Way. He also coached his sons sports teams in his local community for over ten years.
NMLS #1416393
CA Insurance License Number: 4284508
Contact: mark.ralston@morganstanley.com
Mark’s background formulates a well-rounded Financial Advisor with working experience in a variety of areas. He started off his career in public accounting and banking. Both of these careers helped him better understand finances, taxes and the need to develop and maintain a financial plan. While Financial Advisors do not offer tax advice, Mark's experience in accounting has helped when building financial plans by incorporating tax minimization strategies into his clients financial pictures.
Of Morgan Stanley’s more than 16,000 Financial Advisors, Mark Ralston is among the 2% that qualified for the prestigious designation of Corporate Retirement Director as of July 2022. The CRD designation recognizes Financial Advisors who have dedicated their practice to helping corporate clients manage all aspects of their retirement plans. In addition, Mark focuses on helping his clients develop integrated strategies for the management of their wealth by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning.
As your Financial Advisor, Mark can help you define and strive to meet your goals by delivering a vast array of resources to you that is most appropriate for what you want to achieve. Working together, he can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Mark’s interests include attending sporting events and concerts, boating, traveling and various outdoor activities. Catching every sunrise and sunset are treasured activities at the lake for Mark and his family. Mark enjoys entertaining his family and friends. He has served as an Ambassador for the local Chamber of Commerce. In addition, Mark was President of the Booster Club for a local college athletic department. He also served as President of a local service organization and is a volunteer for the United Way. He also coached his sons sports teams in his local community for over ten years.
NMLS #1416393
CA Insurance License Number: 4284508
Contact: mark.ralston@morganstanley.com
Securities Agent: MO, AZ, NE, NV, IA, FL, MI, IL, AR, WA, NM, KS, ID, AL, NY, OK, MT, NJ, CT, CA, KY, MN, TX, SD, OH, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1416393
CA Insurance License #: 4284508
NMLS#: 1416393
CA Insurance License #: 4284508
About Nathan Ralston
Nathan Ralston, QPFC, is a Financial Advisor with The Ralston Group at Morgan Stanley based in Wichita, KS. He holds the Securities Industry Essentials (SIE), Series 7, Series 66, Life, Health and Accidental Insurance licenses, and Nationwide Multistate Licensing System & Registry licenses (NMLS #2421654). In addition, Nathan earned the Qualified Plan Financial Consultant - QPFC designation in 2023. Nathan is honored to be named to the prestigious Pacesetters Club at Morgan Stanley in 2022, 2023, and 2024. The Pacesetters Club is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Nathan graduated from the University of Kansas with his Bachelor’s degree in Finance with a concentration in Entrepreneurship. After his college graduation, Nathan began his career at Morgan Stanley as an Intern. He took his knowledge from his internship and translated it into a Client Service Associate role. While Nathan enjoyed the Client Services/Operations side of Wealth Management, he wanted to make a bigger impact in the lives of his clients. This is when he transitioned into the firm’s Financial Advisor Associate Program. By serving in these various roles at the firm, Nathan has gained extensive Morgan Stanley specific product and services knowledge, which helps to benefit his clients by providing a vast array of resources and investment choices into their portfolios.
Nathan’s approach revolves around listening to his clients needs. Each client gets a custom portfolio based upon their specific goals and objectives. Nathan seeks to incorporate investment strategies that are clear and easy to understand. He prides himself in taking a sincere personal interest in his clients which is the foundation of his advisory practice. Nathan educates his clients on everything he is doing for them and why. He is constantly looking to add value to his clients, whether for their current financial situation or for better preparedness for later in life.
Nathan’s interests include attending sporting events, specifically Kansas City Chiefs games. Other interests include time away at the lake/being outdoors and traveling around new places with family and friends. Nathan enjoys spending time with his dog, Woody, boating, wake surfing, skiing, grilling and tossing around the football. Nathan has served at the Lord’s Diner serving meals to the underprivileged. In addition, he has also coached youth athletics in his local community for a handful of years.
NMLS #2421654
Nathan graduated from the University of Kansas with his Bachelor’s degree in Finance with a concentration in Entrepreneurship. After his college graduation, Nathan began his career at Morgan Stanley as an Intern. He took his knowledge from his internship and translated it into a Client Service Associate role. While Nathan enjoyed the Client Services/Operations side of Wealth Management, he wanted to make a bigger impact in the lives of his clients. This is when he transitioned into the firm’s Financial Advisor Associate Program. By serving in these various roles at the firm, Nathan has gained extensive Morgan Stanley specific product and services knowledge, which helps to benefit his clients by providing a vast array of resources and investment choices into their portfolios.
Nathan’s approach revolves around listening to his clients needs. Each client gets a custom portfolio based upon their specific goals and objectives. Nathan seeks to incorporate investment strategies that are clear and easy to understand. He prides himself in taking a sincere personal interest in his clients which is the foundation of his advisory practice. Nathan educates his clients on everything he is doing for them and why. He is constantly looking to add value to his clients, whether for their current financial situation or for better preparedness for later in life.
Nathan’s interests include attending sporting events, specifically Kansas City Chiefs games. Other interests include time away at the lake/being outdoors and traveling around new places with family and friends. Nathan enjoys spending time with his dog, Woody, boating, wake surfing, skiing, grilling and tossing around the football. Nathan has served at the Lord’s Diner serving meals to the underprivileged. In addition, he has also coached youth athletics in his local community for a handful of years.
NMLS #2421654
Securities Agent: AL, MT, MO, NJ, TX, NC, WA, NY, NM, CT, ID, WI, MI, KY, AR, SD, MN, TN, AZ, IL, OH, PA, OK, UT, NV, NE, CA, KS, FL, CO, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 2421654
NMLS#: 2421654
About Kay A Koehler
Kay A Koehler is a Senior Registered Associate with The Ralston Group at Morgan Stanley. Kay has 26 years of experience with working within the Financial Industry and holds her Series 7, 63 and 65 licenses.
Contact Mark Ralston
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Wealth Management
From Our Team
You Work Hard, Make Your 401(k) Plan Work Harder
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Ralston Group today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Morgan 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.
14Morgan 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.
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.
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
17Investors 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.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Morgan 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.
14Morgan 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.
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.
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
17Investors 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.
Awards Disclosures
CRC 6491812 (04/2024)
