Robert Rocha
Senior Vice President, Financial Advisor
Phone:
(916) 797-7710(916) 797-7710
The Rocha Group at Morgan Stanley
Direct:
(916) 797-7710(916) 797-7710
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
Our Story and Services
At The Rocha Group, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
Whether you are planning for retirement, maintaining your estate, purchasing a new home or selling a business you worked hard to cultivate, Morgan Stanley has an incredible breadth of tools, resources that we leverage to help our clients reach their financial goals.
Working together we can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professional's insights, a premier trading and execution platform, and a full spectrum of investment choices.
Through years of experience, we have developed a personalized approach to the wealth and investment management process with a service model that is customized for each client and family’s situation and will set the stage for generations to come.
Whether you are planning for retirement, maintaining your estate, purchasing a new home or selling a business you worked hard to cultivate, Morgan Stanley has an incredible breadth of tools, resources that we leverage to help our clients reach their financial goals.
Working together we can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professional's insights, a premier trading and execution platform, and a full spectrum of investment choices.
Through years of experience, we have developed a personalized approach to the wealth and investment management process with a service model that is customized for each client and family’s situation and will set the stage for generations to come.
Services Include
- Professional Portfolio ManagementFootnote1
- Asset Management
- Estate Planning StrategiesFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- AnnuitiesFootnote4
- Certificates of DepositFootnote5
- Corporate BondsFootnote6
- Fixed IncomeFootnote7
- Cash Management and Lending ProductsFootnote8
- Municipal BondsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Customized Suite of Services
At the Rocha Group, we are here to deliver innovative strategies that are tailored to your specific needs and goals. We work to understand all facets of your financial picture, challenges, and triumphs so we can map out a strategy to help achieve your priorities and ambitions for generations to come.
Customized Portfolio Management
We study investment trends and leverage the firm's wide breadth of global resources to help you develop a personalized investment strategy. We'll develop a customized portfolio to help you meet your requirements for growth, income, and wealth conservation within your risk constraints.
Retirement Income Planning
Planning for retirement has never a walk in the park, but in recent years, it’s become increasingly challenging. We will create a well-rounded approach for retirement. We'll help you identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Learn More About Our Offerings & Insights
Estate Planning Strategies
Estate planning is a strategy designed to help preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. It will help protect your legacy and position it for those you care about most. At the Rocha Group, we will work closely with you to explore factors that are relevant to existing and/or future estate structures and strategies.
Lending
High Net Worth Lending can help provide the necessary funding and flexibility as you manage the diversification and expansion of your wealth. Our Lending team can suggest customized borrowing options designed to help meet your distinct needs.
Financial Planning
Using a suite of tools that includes goal-specific analysis, We will 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 will then suggest modifications as needed to help keep your goals in reach and your strategy on the right course.
Financial Planning Brochurethat integrates the various aspects of your financial life,
including your investments and cash management
needs. We will then suggest modifications as needed to help keep your goals in reach and your strategy on the right course.
Modern Wealth Tool Cyber Center
Morgan Stanley boasts an array of straightforward digital resources right at your fingertips. Whether it is to access your accounts at a moment's notice, safeguard your assets effectively, and many more.
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online and Total Wealth View, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place
Learn More
Goals Based Planning
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
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 More
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Keeping Track TodayA Wealth of Knowledge
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future.
At The Rocha Group we strive to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
At The Rocha Group we strive to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
6 Financially Smart Ways to Start 2024
Heading into 2024, it’s time to take stock of your budget, debt and investments—and check them against your financial goals. These six steps can get you started.
Start 2024 on the Right Foot
2024 Income Tax Tables
If you are interested in seeing the updated tax tables and other details for 2024, see all additional information here.
2024 Income Tax Tables
Financial Literacy For Any Stage of Your Life
Financial literacy means bring equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Read More
Estate Planning Essentials: 7 Key Steps
You’ve worked hard to build wealth. Now it’s time to protect your legacy.
Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Take stock and consider your options in this 7-Step Estate Planning Checklist.
Read MoreCreating an estate plan can help protect your wealth and prevent hardship for your heirs.
Take stock and consider your options in this 7-Step Estate Planning Checklist.
Investor Resource: 30 for 2025 (Quality Stocks for a Long-Term Holding Period)
Morgan Stanley researchers offer a cornerstone firm analysis, '30 for 2025': Our best long-term picks based on the sustainability and quality of the business model, and opportunity to widen their competitive advantage
Read More4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Read More
Global Investment Committee On the Markets
A weekly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Read The Latest Weekly Report
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.
Listen To The Latest Episode
The Morgan Stanley Minute
Explore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
Watch The Latest
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.
Read The Latest Monthly ReportPlan Today To Achieve Your Goals For Tomorrow
2024 Tax Tables
Make sure you're prepared for tax season by checking out the 2024 Tax Tables.
Learn More
Business Planning
You work hard to maintain your business and satisfy your clients. Maintaining your own needs as well as the needs of your employees is crucial to your overall sucesss. You and your employees need to know that the hard work you perform will be rewarded. One of the ways to see your hard work pay off is by maintaining a retirement plan for your business.
SEP or SIMPLE? Compare Your Options?
Tax Smart Strategies For Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Smart tax planning can help you save more for retirement and retain of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Retirement Planning Strategies
Retirement Account Conversions
By converting to a Roth IRA, you have taken a step that will potentially provide you with a tax-free income for your retirement and/or tax-free inheritance for your heirs. However, there are significant differences in how Roth IRAs are treated versus Traditional IRAs. The following questions and answers are designed to help you understand your new opportunities and limitations.
Roth vs Traditional IRA
Strategies To Finance Your Business
Growth could be within your grasp—if you can get the right financing. We can help you take the right steps towards financing your business.
Learn More
Social Security Benefits
If you’ve built a healthy nest egg for your retirement, you may not be relying on Social Security benefits to cover expenses when you stop working. Still, there are important considerations to keep in mind around when and how to claim Social Security that can help you make the most of your benefits for retirement and other financial goals.
Maximize Your Retirement Benefits
Six Step Retirement Checkup
We’ll help you understand the fundamentals of finance and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Learn More
Social Security COLA Increase
The Social Security Administration has adjusted benefits payments annually for inflation since 1975. According to the SSA, Social Security benefits and Supplemental Security Income (SSI) payments are adjusted to reflect any increase in the cost of living as measured by the Consumer Price Index (CPI). Starting in January 2023, Social Security payments will go up by 8.7%.
Learn MoreLocation
1478 Stone Point Dr
Suite 500
Roseville, CA 95661
US
Direct:
(916) 797-7710(916) 797-7710
Meet The Rocha Group
Alex Rocha
Financial Advisor
Phone:
(916) 797-7798(916) 797-7798
About Robert Rocha
Robert Rocha started his career as a financial advisor in 1989 at Dean Witter and was one of the original advisors to open the Roseville, CA office. He has spent several decades with Morgan Stanley and has over 30 years of experience as a financial advisor. Helping people understand the financial markets in order to make smart, sustainable choices with their money is something that fuels his daily passion for his profession. He grew up working with his father in running a small business and he learned how to treat everyone with respect; which is something he upholds in his daily life.
The way he benefits his clients in a worthwhile way is his flexibility and tailored approach to the independent nature of every investor's unique situation, regardless of platform. He sets himself apart by being the kind of advisor that takes the extra time and due diligence to educate his clients on the ever-changing financial markets and how they affect their personal situation.
Robert has been married to his lovely wife for 30 years and has three wonderful kids. Outside of work, Robert is a big sports fan. His favorite teams include Alabama, the 49ers, the Kings, and the Giants. He was also a past board member of the Lakeside Little League. Additionally, he is a former treasurer of St Joseph Marello Catholic Church in Granite Bay, CA.
Robert studied at Saint Mary's College of California where he graduated with a Business Major and Economics Minor. Furthering his career, Rocha had also obtained his Series 7 and Series 3, among other financial licenses. He also has his California Insurance License.
The way he benefits his clients in a worthwhile way is his flexibility and tailored approach to the independent nature of every investor's unique situation, regardless of platform. He sets himself apart by being the kind of advisor that takes the extra time and due diligence to educate his clients on the ever-changing financial markets and how they affect their personal situation.
Robert has been married to his lovely wife for 30 years and has three wonderful kids. Outside of work, Robert is a big sports fan. His favorite teams include Alabama, the 49ers, the Kings, and the Giants. He was also a past board member of the Lakeside Little League. Additionally, he is a former treasurer of St Joseph Marello Catholic Church in Granite Bay, CA.
Robert studied at Saint Mary's College of California where he graduated with a Business Major and Economics Minor. Furthering his career, Rocha had also obtained his Series 7 and Series 3, among other financial licenses. He also has his California Insurance License.
Securities Agent: DE, SD, KY, FL, AZ, WA, OR, MI, AK, PA, OK, MO, IL, GA, MA, HI, UT, TN, ID, CO, CA, WI, TX, VA, NV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1380643
CA Insurance License #: 0A46654
NMLS#: 1380643
CA Insurance License #: 0A46654
About Alex Rocha
Prior to recently joining Morgan Stanley, Alex Rocha worked for PNC Bank as a Business Credit Associate for the Technology Finance Group. His experience equipped him with the skillset to help full-scale businesses as well as individual clients reach their financial goals. The team that his father and colleague, Robert Rocha, has cultivated for 35 years is unique in their dedication and past experience dealing with unique financial situations.
He is deeply passionate about helping individuals, families, and members of the community reach the lifestyle and financial goals they have set out to achieve. Keeping his clients informed and up-to-date on their goal-tracking process and what steps are necessary to reach said goals keep him motivated to guide his clients through this ever-changing process.
Alex is close to his family and has two sisters. He enjoys skiing, movies, reading, golfing, watching sports, going to concerts, and traveling. He studied at Loyola Marymount University in Los Angeles, CA and graduated with a degree in Finance. Alex is licensed with his Series 7 and Series 66 exams. He additionally has obtained his Financial Planning Specialist (FPS) designation and Life, Health, and Sickness Insurance License.
He is deeply passionate about helping individuals, families, and members of the community reach the lifestyle and financial goals they have set out to achieve. Keeping his clients informed and up-to-date on their goal-tracking process and what steps are necessary to reach said goals keep him motivated to guide his clients through this ever-changing process.
Alex is close to his family and has two sisters. He enjoys skiing, movies, reading, golfing, watching sports, going to concerts, and traveling. He studied at Loyola Marymount University in Los Angeles, CA and graduated with a degree in Finance. Alex is licensed with his Series 7 and Series 66 exams. He additionally has obtained his Financial Planning Specialist (FPS) designation and Life, Health, and Sickness Insurance License.
Securities Agent: MO, GA, AZ, TN, OK, ID, CA, PA, DE, CO, UT, OR, MA, SD, NV, MI, FL, WA, VA, IL, HI, AK, KY, WI, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2495666
CA Insurance License #: 4314939
NMLS#: 2495666
CA Insurance License #: 4314939
Contact Robert Rocha
Contact Alex Rocha
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
Article Image
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 Rocha Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Municipal 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Municipal 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
