Phone:
(516) 227-2929(516) 227-2929
The Ressa Group at Morgan Stanley
Direct:
(516) 227-2892(516) 227-2892
Toll-Free:
(844) 811-6099(844) 811-6099
Industry Award WinnerOur Mission Statement
We educate, empower and work with you to plan your future, help grow your wealth and guide you to financial freedom so you can live your dreams.
Welcome to The Ressa Group
We are here for you as your chief financial advisor to support and guide you in every aspect of your financial life to help you achieve your financial goals. You have many priorities and limited time; our goal as your advisor is to simplify the complex and provide sound, tailored advice and service so you have time for things you love most.
The Ressa Group believes your success in achieving your goals begins with a comprehensive wealth strategy customized for you and your goals. Philip Ressa, Managing Director, and Financial Advisors Regina Rule and Antonio Racanelli begin with a comprehensive understanding of your priorities, your income and spending, and tailor strategies to help meet your needs, achieve your goals and grow your wealth.
Do I have enough savings to retire comfortably? How do I plan for college? Can I afford to….? For many of us, considering our financial future is a daunting experience. We are here to answer your questions, provide information, advice and solutions to address your concerns and take the worry out of planning. With over 50 years of combined industry experience, and a wealth of life experiences, the Ressa Group offers you exceptional, comprehensive advice tailored to your unique needs and goals.
Let’s start by having a conversation and getting to know each other. Please call us at 516-227-2929 or email us at theressagroup@morganstanley.com.
The Ressa Group believes your success in achieving your goals begins with a comprehensive wealth strategy customized for you and your goals. Philip Ressa, Managing Director, and Financial Advisors Regina Rule and Antonio Racanelli begin with a comprehensive understanding of your priorities, your income and spending, and tailor strategies to help meet your needs, achieve your goals and grow your wealth.
Do I have enough savings to retire comfortably? How do I plan for college? Can I afford to….? For many of us, considering our financial future is a daunting experience. We are here to answer your questions, provide information, advice and solutions to address your concerns and take the worry out of planning. With over 50 years of combined industry experience, and a wealth of life experiences, the Ressa Group offers you exceptional, comprehensive advice tailored to your unique needs and goals.
Let’s start by having a conversation and getting to know each other. Please call us at 516-227-2929 or email us at theressagroup@morganstanley.com.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Four Keys to Your Personalized Strategy
Your needs and goals are the heart of our work when we develop a financial roadmap for you. To ensure that we structure the most comprehensive plan, there are four key steps we follow:
Getting to Know You
Because your financial plan is only as good as our understanding of you, we take the time to meet with you to learn more about you, your current financial situation, long-term goals and what’s important to you and your loved ones.
Developing Your Strategy
With a thorough understanding of you and your needs, we construct a comprehensive, customized analysis and plan which we will discuss and evaluate together before finalizing.
Implementing Your Plan
With the strategy and goals mapped out, we develop your proposal with comprehensive recommendations including saving, investing, banking, insuring, borrowing and cash management. With your approval, together we begin to implement your plan.
Monitoring, Reviewing & Revising Your Roadmap
Life evolves and circumstances change, so why shouldn't your financial plan? Not only do we monitor your plan and help manage your wealth, but we regularly check in with you, to review, touch base and stay up to date on what is happening, what is developing and what continues to be important in your life.
Corporate Executive Services
Corporate executives frequently receive unique compensation packages as unique as the positions themselves. The options available at an executive's disposal can be extensive, unfamiliar and confusing: we're here to help.
We can answer your questions and provide support on executive benefits, stock plan options, income optimization, wealth management, financial or retirement planning, and life insurance needs, among a variety of other topics.
Questions? Call us at (516) 227-5648
We can answer your questions and provide support on executive benefits, stock plan options, income optimization, wealth management, financial or retirement planning, and life insurance needs, among a variety of other topics.
Questions? Call us at (516) 227-5648
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1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 227-2892(516) 227-2892
Toll-Free:
(844) 811-6099(844) 811-6099
Meet The Ressa Group
Regina Green Rule
Vice President, Financial Advisor, Alternative Investments Director
Phone:
(516) 227-5644(516) 227-5644
Antonio Racanelli, CRPC®, CFP®
Financial Advisor
Phone:
(516) 227-5657(516) 227-5657
Phone:
(516) 227-5647(516) 227-5647
Vice President, Wealth Management, Financial Advisor, Workplace Advisor – Equity Compensation
Phone:
(516) 227-2886(516) 227-2886
Alicia Mueller
Registered Client Service Associate
Phone:
(516) 227-2892(516) 227-2892
Max Willett
Registered Client Service Associate
Phone:
(516) 227-2941(516) 227-2941
About Philip Ressa
Philip’s diverse experience in owning a business, in real estate and banking help benefit his clients as he believes that both the asset and the liability side of one's wealth should be efficiently managed. Philip brings a disciplined approach to financial planning and managing his clients’ wealth. He uses this approach to provide advice to clients, including high net worth families and businesses managing their life cycle needs. Philip’s team, The Ressa Group, uses Goals Based Planning as the foundation of its practice, working with their clients to establish both short and long term financial goals. Philip is a Managing Director and has been a Financial Advisor for over 25+ years. Philip and his wife MaryAnn, of over 35 years, are proud parents of 5 children, with 3 grandchildren so far. He is passionate about staying active while traveling, playing tennis, pickleball, skiing, as well as golf.
Securities Agent: MS, GA, WI, UT, TN, NH, MT, NY, KY, DC, NV, KS, ID, CO, AK, PR, HI, VA, PA, MI, IN, OH, DE, CA, AZ, SC, OR, NC, VT, ME, FL, CT, TX, RI, NM, NJ, MA, LA, WA, MO, MN, MD, IL, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 579858
NMLS#: 579858
About Regina Green Rule
Regina Green Rule, a Financial Advisor with the Ressa Group at Morgan Stanley, brings her clients a joyful approach to managing and building wealth, along with a strong commitment to discipline and benefits stemming from a breadth of life experience. After a successful Wall Street career, raising 2 daughters and volunteering enthusiastically, Regina has developed a keen understanding of and respect for stewardship and the importance of planning for the future. Always keen on education, she strives to educate and empower her clients and collaborate in growing and managing their wealth and preparing for the future, whatever it may hold. Regina seeks to embrace her clients’ aspirations, concerns, goals and potentials and appreciates that the core of any relationship is mutual respect, care and candor.
Prior to joining Morgan Stanley, Regina earned her undergraduate degree in Economics from Yale University. She served on her local Board of Education for 12 years as a Trustee, having served 6 of those years as President. Committed to making a meaningful impact, she was an active Girl Scout Leader for 20 years and was recognized as one of Nassau County's Outstanding Women of Achievement in 2018.
A Baltimore native, Regina currently lives in Manhasset and is the mother of two wonderful daughters. Outside of the office, you can find Regina riding her bicycle, walking the beach, and enjoying the company of and laughing with her family and friends.
Prior to joining Morgan Stanley, Regina earned her undergraduate degree in Economics from Yale University. She served on her local Board of Education for 12 years as a Trustee, having served 6 of those years as President. Committed to making a meaningful impact, she was an active Girl Scout Leader for 20 years and was recognized as one of Nassau County's Outstanding Women of Achievement in 2018.
A Baltimore native, Regina currently lives in Manhasset and is the mother of two wonderful daughters. Outside of the office, you can find Regina riding her bicycle, walking the beach, and enjoying the company of and laughing with her family and friends.
Securities Agent: GA, WI, TX, MO, MN, KS, CA, VT, MI, OH, KY, IN, AZ, LA, DC, CT, CO, VA, SC, FL, AK, UT, PA, MD, NH, MT, MA, PR, NY, NV, NJ, NC, IL, DE, WA, OR, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1847124
NMLS#: 1847124
About Antonio Racanelli
Antonio is a Financial Advisor and CERTIFIED FINANCIAL PLANNER®. He has advised business owners and individuals in the areas of employee benefits, retirement planning, wealth management and employee stock options. Antonio is committed to developing and enhancing the client advisor relationship experience.
He received his BS from the University of Tampa and holds the designation of Chartered Retirement Planning Counselor (CRPC®) from the College of Financial Planning in Denver Colorado. He received his CFP® designation through the Certification Education Program at NYU. An active member of the University of Tamps Alumni and contributor to St. Jude’s Children’s Research Hospital. When Away from his work he enjoys staying active and spending time with his wife and two sons.
He received his BS from the University of Tampa and holds the designation of Chartered Retirement Planning Counselor (CRPC®) from the College of Financial Planning in Denver Colorado. He received his CFP® designation through the Certification Education Program at NYU. An active member of the University of Tamps Alumni and contributor to St. Jude’s Children’s Research Hospital. When Away from his work he enjoys staying active and spending time with his wife and two sons.
Securities Agent: FL, CO, VT, PA, MA, TX, NH, GA, DC, CT, IL, NY, NV, NJ, AZ, MT, MD, KS, DE, WI, VA, PR, NC, MI, KY, SC, IN, OR, WA, MN, CA, OH, LA, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1208209
NMLS#: 1208209
About Barton J Rule
Bart has over 30 years of financial services experience. For the past 20 years, Bart has been part of Morgan Stanley's corporate equity solutions team. In his role he has gained a unique understanding of the wealth created by corporate executives through their company's stock. He offers these executives valuable insight into how they can protect and grow their wealth. Bart leads the capital markets and portfolio management for the Inlet Group. He resides in Connecticut with his wife and 3 children.
Securities Agent: AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, AK, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, CA, LA, AL, AR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265055
NMLS#: 1265055
About James Suger
James leverages his 17 years of experience with Morgan Stanley to assist executives and families with their financial needs. Many of his clients lead active lifestyles and have demanding careers. James works closely with them to understand their goals and simplify their action plans in a complicated world. James leads the financial planning for the Inlet Group and spends his free time biking, running, skiing or boating with his wife and his 3 daughters. James resides in Great River, NY
Securities Agent: GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265268
NMLS#: 1265268
About Alicia Mueller
Alicia graciously and diligently supports the Ressa Group’s clients as a Client Service Associate. Always with a smile, Alicia expertly delivers detailed guidance for clients opening new accounts, executing wire transfers, and helping with online and technical support. She holds her Series 7 license and her Series 66 license.
Alicia earned her Bachelor’s degree in Biology at High Point University and played soccer. In addition to playing and coaching soccer, she enjoys spending time with friends, hiking and traveling.
Alicia earned her Bachelor’s degree in Biology at High Point University and played soccer. In addition to playing and coaching soccer, she enjoys spending time with friends, hiking and traveling.
Contact Philip Ressa
Contact Regina Green Rule
Contact Antonio Racanelli
Contact Barton J Rule
Contact James Suger
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Andrew Bertalli, CFP®
Financial Planning Director, Vice President
About Andrew Bertalli
Andrew Bertalli is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Eastern Long Island, NY. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew Bertalli graduated from Saint Francis College and has a Bachelor of Science in Business. Andrew holds his Certified Financial Planner® designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew Bertalli graduated from Saint Francis College and has a Bachelor of Science in Business. Andrew holds his Certified Financial Planner® designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
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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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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 Ressa Group today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Investors 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 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.
Awards Disclosures | Morgan Stanley
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Investors 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
