Vice President, Wealth Advisor, Senior Investment Management Consultant, CERTIFIED FINANCIAL PLANNER®
Phone:
(410) 341-7911(410) 341-7911
The Robins Group at Morgan Stanley
Direct:
(410) 341-7911(410) 341-7911
Toll-Free:
(800) 676-7461(800) 676-7461
Our Mission Statement
We The Robins Group help our clients organize, prioritize and set goals depending on their values and financial stage in life. Our purpose is to build and protect our client’s assets, and prepare for the transfer of those assets in the most tax-efficient way possible.
Welcome
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Cash Management and Lending ProductsFootnote3
- Corporate Retirement PlansFootnote4
- Financial PlanningFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Professional Portfolio ManagementFootnote8
- Retirement PlanningFootnote9
- Sustainable InvestingFootnote10
- Wealth ManagementFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
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GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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On the Markets Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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Cash Plus
Enjoy unlimited ATM fee rebates worldwide with the Morgan Stanley Debit Card, along with no foreign transaction fees, no cash advance fees, unlimited checkwriting, and more.
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2022 Global Macro Outlook
The surge in global inflation has investors fretting about future growth, but Morgan Stanley economists say price surges will subside, making way for 4.7% global GDP growth in 2022. Here’s the view on the global economy.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
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Thoughts on the Market
From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets
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E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
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Morgan Stanley Ideas
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
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E-Delivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
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At Scale
Listen to Morgan Stanley's sustainability podcast as host Audrey Choi examines the challenges we face and solutions to bring a more sustainable future.
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E-Authorization
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
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Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $1M in AUM, that can help them save time and money on travel, gifts, automobiles and more.
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Preferred Saving
Our new 5.00% Annual Percentage Yield offer from Morgan Stanley’s Preferred Savings Program for qualifying cash helps you make the most of your cash.
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Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
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 MoreNAVIGATING YOUR LIFE
No matter what stage of life you are in, more than likely you or someone you know have gone through some type of major life event. Whether it was the birth of a child, the unfortunate passing of a loved one, or even the possibility of a divorce, these life events can occur when you least expect it, and can make things difficult moving forward. That is where we can help.
The Robins Group at Morgan Stanley understands that these times can be challenging, difficult, and even a little scary. There is no need to worry. Our team knows the emotional swells that are involved with these life events, and are prepared to sit down and assist you come up with a game plan to put you back on the road to you and your family's financial soundness.
The Robins Group at Morgan Stanley understands that these times can be challenging, difficult, and even a little scary. There is no need to worry. Our team knows the emotional swells that are involved with these life events, and are prepared to sit down and assist you come up with a game plan to put you back on the road to you and your family's financial soundness.
Birth of a Child
The birth of a child into the family is a joyous and exciting occasion for everyone. The addition of a new family member brings with it a new set of financial components:
1. Costs of Birth, Adoption or Surrogacy
2. Anticipating Unexpected Medical Expenses
3. Understanding gifting requirements
4. Preparing for Child Care
5. Planning for Educational Expenses
1. Costs of Birth, Adoption or Surrogacy
2. Anticipating Unexpected Medical Expenses
3. Understanding gifting requirements
4. Preparing for Child Care
5. Planning for Educational Expenses
Divorce
With the right approach and the right advice, the process need not be onerous. On the contrary, it can be empowering. Here's how to manage the transition:
1. Find a Confidante
2. Put your team in place
3. Get - and stay - organized
4. Take stock of what you have, and need
5. Be patient, but proactive
1. Find a Confidante
2. Put your team in place
3. Get - and stay - organized
4. Take stock of what you have, and need
5. Be patient, but proactive
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion.
Marriage
There are few events more exciting than when you decide to align your life with the person you love. Of course, there are conversations you should have with their partner before tying the knot. One of the most important is about money—how you’ll make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). We can play an important role in helping you plan for these milestones and guiding their conversations.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU:
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
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Goals Planning System (GPS)
Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
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Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. We’ll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
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Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning.
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Financial Planning Questionnaire
This questionnaire will help us create a personalized
strategy for you and can enhance our conversation
around your long-term goals.
Click Here to Fill Outstrategy for you and can enhance our conversation
around your long-term goals.
Intelligent Withdrawals
We use state-of-the-art tools that recommend the most tax-efficient way to liquidate assets.
Click Here to Learn MoreLicenses & Certifications
CERTIFIED FINANCIAL PLANNER™ (CFP®)
CFPs must have several years of experience related to financial planning, pass the CFP® exam and adhere to a strict ethical standard as set by the Certified Financial Planner Board of Standards.
CFPs, unlike some other types of financial advisors, are held to a fiduciary standard, meaning they are obligated to act in their client's best interest.
CFPs, unlike some other types of financial advisors, are held to a fiduciary standard, meaning they are obligated to act in their client's best interest.
Certified Investment Management Analyst® (CIMA®)
This certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
Chartered Financial Consultant (ChFC)
The ChFC Designation covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, insurance, risk management, estate planning, investments and more.
Chartered Life Underwriter (CLU)
The CLU Designation covers In-depth knowledge of life insurance underwriting concepts and life insurance law within the context of overall risk management, the necessary knowledge to help clients address their estate planning needs, and an understanding of solutions addressing the life insurance underwriting needs of business owners and professionals.
Location
150 West Market St
Ste 301
Salisbury, MD 21801
US
Direct:
(410) 341-7911(410) 341-7911
Toll-Free:
(800) 676-7461(800) 676-7461
Meet The Robins Group
Kathryn Pratt
Senior Registered Client Service Associate
Phone:
(410) 770-6121(410) 770-6121
About Stan Robins
Stan is a native of the Eastern Shore of Maryland residing in Salisbury with his wife, Trish. He attended the US Air Force Academy and holds a Bachelor of Arts degree from Salisbury University.
After a successful career in music as a singer/songwriter and instrumentalist, Stan moved to the financial services industry in 1987. He has been Financial Advisor at Morgan Stanley* since 1993 and has focused, through ongoing education, certifications and experience, on aspects of wealth management including the accumulation, protection, distribution and transfer of wealth.
In 2003, Stan joined Morgan Stanley*'s exclusive Wealth Advisor group. Morgan Stanley*'s Wealth Advisors provide customized investment strategies for affluent clients and have access to specialists and additional resources and offerings at Morgan Stanley*.
As a CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®), Stan is committed to competent and ethical financial planning. The CFP® designation identifies those individuals who have met the experience and ethical requirements, have successfully completed coursework in the areas of financial planning, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning. CFP® certificants must also agree to meet ongoing continuing education requirements and to uphold the Certified Planner Board of Standards Inc.'s Code of Ethics and Professional Responsibilities and Financial Planning Standards.
Stan also earned the title of Certified Investment Management AnalystSM (CIMA®) after completing a rigorous consulting training program offered by the Investments & Wealth Institute (IMCA) in conjunction with the Wharton School of Business at the University of Pennsylvania.
Stan is active in music and, in plays guitar, banjo, mandolin, and upright bass. He also taught himself to speak Russian to better communicate with friends from the Kiev Symphony Orchestra and Chorus in Ukraine.
Stan has been Praise and Worship Leader at his local church for 30 years and now shares the duties with his son and business partner, Matt.
After a successful career in music as a singer/songwriter and instrumentalist, Stan moved to the financial services industry in 1987. He has been Financial Advisor at Morgan Stanley* since 1993 and has focused, through ongoing education, certifications and experience, on aspects of wealth management including the accumulation, protection, distribution and transfer of wealth.
In 2003, Stan joined Morgan Stanley*'s exclusive Wealth Advisor group. Morgan Stanley*'s Wealth Advisors provide customized investment strategies for affluent clients and have access to specialists and additional resources and offerings at Morgan Stanley*.
As a CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®), Stan is committed to competent and ethical financial planning. The CFP® designation identifies those individuals who have met the experience and ethical requirements, have successfully completed coursework in the areas of financial planning, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning. CFP® certificants must also agree to meet ongoing continuing education requirements and to uphold the Certified Planner Board of Standards Inc.'s Code of Ethics and Professional Responsibilities and Financial Planning Standards.
Stan also earned the title of Certified Investment Management AnalystSM (CIMA®) after completing a rigorous consulting training program offered by the Investments & Wealth Institute (IMCA) in conjunction with the Wharton School of Business at the University of Pennsylvania.
Stan is active in music and, in plays guitar, banjo, mandolin, and upright bass. He also taught himself to speak Russian to better communicate with friends from the Kiev Symphony Orchestra and Chorus in Ukraine.
Stan has been Praise and Worship Leader at his local church for 30 years and now shares the duties with his son and business partner, Matt.
Securities Agent: DE, GA, MD, IA, TX, SC, OH, NY, VA, ID, NV, FL, CO, PA, OK, CA, MA, NC, TN, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1472944
NMLS#: 1472944
About Kathryn Pratt
Kathy Pratt is a Senior Registered Client Service Associate with Hunter/Hatfield at Morgan Stanley. Kathy started her career within the financial industry in May, 1996 with Legg Mason. She brings over 17 years of experience.
Kathy holds the Series 7, Series 63, and Series 66 licenses. Her primary focus with the team is to provide clients with a high level of service in various operational and administrative areas.
Kathy resides in Church Hill, Maryland. Outside of work, Kathy enjoys enjoys taking walks, traveling, and spending time with family and friends
Kathy holds the Series 7, Series 63, and Series 66 licenses. Her primary focus with the team is to provide clients with a high level of service in various operational and administrative areas.
Kathy resides in Church Hill, Maryland. Outside of work, Kathy enjoys enjoys taking walks, traveling, and spending time with family and friends
Contact Stan Robins
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
Sean W. Ruediger
Private Banker
About Sean W. Ruediger
Sean Ruediger is a Private Banker serving Morgan Stanley’s Wealth Management offices in Washington D.C. and Maryland.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
NMLS#: 1192383
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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
Article Image
Ready to start a conversation? Contact The Robins Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Investors 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.
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.
3Morgan 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
4When 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10The 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
1Investors 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.
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.
3Morgan 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
4When 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10The 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
