Thomas Carns
Executive Director, Wealth Advisor
Phone:
(513) 762-5352(513) 762-5352
The Redstone Group at Morgan Stanley
Direct:
(513) 762-5352(513) 762-5352
Toll-Free:
(800) 543-2665(800) 543-2665
Our Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
Our Story
As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As Financial Advisors, our role is to work with you to help develop a strategy that lays out a clear path to your goals - a strategy that we develop in collaboration with you and one that you can follow with confidence in the face of the market's ups and downs.
Together, we will explore a broad range of topics that are likely to influence your financial future - from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your allocation and which investments may be appropriate for your portfolio.
But that's just the beginning. Over time together we will revise your strategy to reflect new aspirations and priorities, helping your strategy keep pace as markets change and your life unfolds.
Together, we will explore a broad range of topics that are likely to influence your financial future - from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your allocation and which investments may be appropriate for your portfolio.
But that's just the beginning. Over time together we will revise your strategy to reflect new aspirations and priorities, helping your strategy keep pace as markets change and your life unfolds.
Services Include
- Retirement PlanningFootnote1
- AnnuitiesFootnote2
- Certificates of DepositFootnote3
- Wealth ManagementFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Alternative InvestmentsFootnote6
- Asset Management
- Cash ManagementFootnote7
- Financial PlanningFootnote8
- Lending Products
- Professional Portfolio ManagementFootnote9
- Qualified Retirement PlansFootnote10
- Divorce Financial AnalysisFootnote11
- Estate Planning StrategiesFootnote12
- Structured ProductsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Giving Back to the Community
At The Redstone Group, we believe in giving back to the communities in which we live and work. Through a variety of collaborative efforts, we are deeply engaged in creating a better and brighter future. Our partnership with various organizations supports important initiatives, with a special emphasis on educating and encouraging children to become strong leaders.
Collectively and individually, we serve a number of vital organizations that include:
The Karen Carns Foundation
The Gibler Team Foundation
LLS Team and Training
Xavier University Executive Mentor Program
Last Mile Food Rescue
Morgan Stanley’s culture of global citizenship is something we embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society. We are proud to be members of the Morgan Stanley family and carry on the firm’s 80+ year tradition.
Collectively and individually, we serve a number of vital organizations that include:
The Karen Carns Foundation
The Gibler Team Foundation
LLS Team and Training
Xavier University Executive Mentor Program
Last Mile Food Rescue
Morgan Stanley’s culture of global citizenship is something we embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society. We are proud to be members of the Morgan Stanley family and carry on the firm’s 80+ year tradition.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Learn More- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn MoreThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn MoreMedia and Research
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Report
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research ReportLocation
7755 Montgomery Road 2nd
2nd Floor
Cincinnati, OH 45236
US
Direct:
(513) 762-5352(513) 762-5352
Toll-Free:
(800) 543-2665(800) 543-2665
Fax:
(513) 878-0538(513) 878-0538
Meet The Redstone Group
John Mazza
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(513) 762-5376(513) 762-5376
Phone:
(513) 762-5268(513) 762-5268
TJ Kearns
Financial Advisor
Phone:
(513) 762-5202(513) 762-5202
Pam Brosz
Assistant Vice President, Business Development Associate
Phone:
(513) 762-5351(513) 762-5351
Andrea Mitchell
Senior Client Service Associate
Phone:
(513) 762-5271(513) 762-5271
Lauren Schafer
Registered Client Service Associate
Phone:
(513) 762-5349(513) 762-5349
About Thomas Carns
Tom has implemented investment strategies for his clients for more than 30 years. He is committed to finding financial solutions by utilizing the vast capabilities of Morgan Stanley. Tom takes the time to understand the financial concerns of each client and implements strategies to help meet their unique goals. He utilizes the many talents of professionals in Morgan Stanley’s Capital Markets and Research Groups.
Tom is an alumnus of Xavier University in Cincinnati, Ohio. He is heavily involved in The Karen Carns Foundation, which he helped found. The Foundation has provided over $1.5 million in tuition assistance to students who have endured a life-changing event like the loss of a parent.
He enjoys golf, bicycling, hiking and spending time with his family. Tom has four children: Katie, Christy, Tommy and Kelly and three grandchildren
Tom is an alumnus of Xavier University in Cincinnati, Ohio. He is heavily involved in The Karen Carns Foundation, which he helped found. The Foundation has provided over $1.5 million in tuition assistance to students who have endured a life-changing event like the loss of a parent.
He enjoys golf, bicycling, hiking and spending time with his family. Tom has four children: Katie, Christy, Tommy and Kelly and three grandchildren
Securities Agent: AZ, SC, MI, DC, CO, SD, PA, NV, MT, KS, GA, TN, NY, MN, IN, AL, WA, NJ, NE, MO, IA, NC, CA, VI, ME, MA, KY, HI, TX, OR, MD, CT, WI, WV, UT, VA, OH, IL, FL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About John Mazza
John focuses on providing clients with comprehensive wealth management solutions. Such services include financial and retirement planning, construction of investment portfolios, insurance reviews, and multi-generational planning. By leveraging the strength of Morgan Stanley’s Global Investment Committee, John comes well-equipped to meet all of his client’s financial goals and aspirations. At the core of his work is that of trust and service, and he works tirelessly to establish lifelong relationships with his clients.
Originally from Cincinnati, John went to St. Xavier High School and continued on to Xavier University where he graduated with a Bachelor of Science in Accounting. While at Xavier, John was a member of the men’s basketball team - where his experiences as an athlete have helped further develop a work-ethic and discipline that he has carried into his professional life.
When not in the office, John enjoys being very active in the community. Whether at a sporting event, coaching/playing basketball, golfing, mentoring students at Xavier University, or spending time with family and friends – John enjoys giving back and surrounding himself with great people.
Originally from Cincinnati, John went to St. Xavier High School and continued on to Xavier University where he graduated with a Bachelor of Science in Accounting. While at Xavier, John was a member of the men’s basketball team - where his experiences as an athlete have helped further develop a work-ethic and discipline that he has carried into his professional life.
When not in the office, John enjoys being very active in the community. Whether at a sporting event, coaching/playing basketball, golfing, mentoring students at Xavier University, or spending time with family and friends – John enjoys giving back and surrounding himself with great people.
Securities Agent: ME, MD, WI, HI, AZ, KY, TN, TX, NJ, WA, CA, SC, MT, MO, MI, KS, VI, UT, GA, FL, CT, PA, IA, CO, NC, IN, DC, AL, OH, MN, WV, SD, OR, NY, NV, NE, MA, IL, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1430998
NMLS#: 1430998
About John Burger
John focuses on identifying wealth management solutions tailored to each individual client. He believes strongly in the value of developing and maintaining relationships. By spending the time to better understand and revisit the goals and aspirations of his clients, John develops personalized solutions to help pursue the priorities most important to them whether that be investment management, retirement strategies, advisory services, tax planning, lending needs, or philanthropy planning.
Prior to Morgan Stanley, John worked in Chicago as a Consultant, assisting the Treasury Departments of large US Banks in managing their Liquidity Risk. John leverages this distinctive background within Consulting and the vast resources of Morgan Stanley’s Global Investment Committee to provide clients with the critical information and insights needed to make informed financial decisions.
A Cincinnati native, John grew up on the west side and attended LaSalle High School. Following LaSalle, John continued his academic studies at Xavier University where he graduated Cum Laude with a B.S. in Finance, earning an MBA shortly thereafter. At Xavier, John was a member of the Men’s Golf Team and voted 2-Time Team Captain. John credits his athletic background in helping instill a competitiveness and a work ethic that continues with him today as a financial advisor.
In his free time, John enjoys spending time with friends and family, sports, cooking, fishing, and reading. John enjoys the opportunity to give back to his local community whether providing golf lessons as a swing instructor or mentoring students at his alma mater, LaSalle High School.
Prior to Morgan Stanley, John worked in Chicago as a Consultant, assisting the Treasury Departments of large US Banks in managing their Liquidity Risk. John leverages this distinctive background within Consulting and the vast resources of Morgan Stanley’s Global Investment Committee to provide clients with the critical information and insights needed to make informed financial decisions.
A Cincinnati native, John grew up on the west side and attended LaSalle High School. Following LaSalle, John continued his academic studies at Xavier University where he graduated Cum Laude with a B.S. in Finance, earning an MBA shortly thereafter. At Xavier, John was a member of the Men’s Golf Team and voted 2-Time Team Captain. John credits his athletic background in helping instill a competitiveness and a work ethic that continues with him today as a financial advisor.
In his free time, John enjoys spending time with friends and family, sports, cooking, fishing, and reading. John enjoys the opportunity to give back to his local community whether providing golf lessons as a swing instructor or mentoring students at his alma mater, LaSalle High School.
Securities Agent: TN, WI, WA, MT, MO, KY, WV, VA, UT, NY, NV, NJ, NE, NC, HI, CO, TX, PA, ME, MD, OR, CA, SD, MA, GA, CT, SC, MI, AL, OH, IN, IL, FL, DC, AZ, VI, MN, KS, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1979071
NMLS#: 1979071
About TJ Kearns
TJ is passionate about providing clients of The Redstone Group with utmost confidence as they navigate the financial markets. By taking a highly personalized approach to wealth management, he starts with a deep understanding of each client’s goals and priorities. From there, TJ develops tailored strategies designed to support their broader financial plan. Through all market environments, he remains closely engaged, providing clear guidance, ongoing communication, and thoughtful advice to support informed decision-making.
Prior to Morgan Stanley, TJ gained foundational experience in financial services through roles at Western & Southern and Fidelity Investments, where he supported financial planning initiatives, investment analysis, and client service efforts. This background provides valuable perspective when developing thoughtful, customized strategies for clients today.
Originally from Cincinnati, TJ attended Elder High School and then onto the University of Cincinnati where he graduated with a Bachelor of Science degree in Finance from the Lindner School of Business. He is committed to ongoing professional development in order to better serve clients as their financial needs evolve.
Outside of the office, TJ likes to be active in the community. He enjoys coaching youth sports, golfing, skiing, attending sporting events, and spending time with family and friends.
Prior to Morgan Stanley, TJ gained foundational experience in financial services through roles at Western & Southern and Fidelity Investments, where he supported financial planning initiatives, investment analysis, and client service efforts. This background provides valuable perspective when developing thoughtful, customized strategies for clients today.
Originally from Cincinnati, TJ attended Elder High School and then onto the University of Cincinnati where he graduated with a Bachelor of Science degree in Finance from the Lindner School of Business. He is committed to ongoing professional development in order to better serve clients as their financial needs evolve.
Outside of the office, TJ likes to be active in the community. He enjoys coaching youth sports, golfing, skiing, attending sporting events, and spending time with family and friends.
Securities Agent: AZ, CO, WI, VT, NV, MD, LA, IN, VA, TN, SD, NH, KS, WV, UT, MS, IL, WY, TX, OR, HI, AL, WA, VI, OK, NY, MN, GA, DC, AK, PA, MI, OH, NC, MT, RI, MO, IA, CT, CA, AR, NM, NJ, ND, ME, SC, PR, NE, MA, KY, ID, FL, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2728992
NMLS#: 2728992
Contact Thomas Carns
Contact John Mazza
Contact John Burger
Contact TJ Kearns
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Redstone 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
5Investors 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.
6Alternative 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.
7Morgan 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
8Morgan 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.
9Morgan 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.
10When 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
5Investors 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.
6Alternative 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.
7Morgan 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
8Morgan 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.
9Morgan 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.
10When 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
