Phone:
(270) 936-6630(270) 936-6630
The Rogers Tomblinson Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, 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. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
STAY AHEAD OF THE CURVE WITH OUR INVESTOR RESOURCES
At Morgan Stanley, we firmly believe in the importance of a strong financial education as a key driver for gaining valuable insights into investment strategies and fostering disciplined decision-making abilities. This fundamental approach ultimately leads to superior long-term outcomes. To uphold this principle, we are fully committed to equipping our clients with essential knowledge on effectively managing wealth in today's dynamic global markets.
To fulfill this commitment, we have meticulously curated a diverse range of resources that highlight the core investment strategies and concepts central to our practice. These resources have been thoughtfully organized and conveniently made accessible through direct links. We highly encourage you to explore these materials regularly to deepen your understanding of the critical factors that influence your overall financial well-being.
To fulfill this commitment, we have meticulously curated a diverse range of resources that highlight the core investment strategies and concepts central to our practice. These resources have been thoughtfully organized and conveniently made accessible through direct links. We highly encourage you to explore these materials regularly to deepen your understanding of the critical factors that influence your overall financial well-being.
GIC Weekly Research Report
Lisa Shalett, Head of the Global Investment Office, provides invaluable expertise and delivers a comprehensive outlook through ongoing analysis of global markets, asset class performance, and fixed income.
Read The Latest Report
Thoughts On The Market Podcast
Gain valuable insights into the market's dynamics from the perspective of Mike Wilson, the highly respected Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, and his team. Listen to the Team's dialogue encompassing diverse viewpoints on the latest trends in the financial marketplace, exploring the various forces that are shaping the industry.
Listen To The Latest Episode
On The Markets Research Report
Gain valuable insights on global equities, fixed income, monetary policy, and more from Morgan Stanley's expert thought leaders. Their robust market commentary offers in-depth perspectives to help inform your investment decisions.
Read The Latest Report
Global Insights Report
Stay informed about regional trends in international markets with Morgan Stanley's global multi-asset publication. Combining economic data and policy insights, this publication provides a thorough analysis for a deeper understanding of market dynamics.
Read The Latest Report
New GIC Special Report: Consequences of Concentration
Fueled by megacap stocks, the US equity market has become extremely concentrated. This may present underappreciated risks for investors. Read the report to learn how investors can assess the road ahead.
Click Here To Read
Tax Smart Investing
Enhance you financial growth by incorporating tax management into your investment process. By thinking ahead and employing tax-smart strategies throughout the investment journey, not just during tax season, you can potentially achieve better overall outcomes.
Learn More HereA PLAN MADE FOR YOUR UNIQUE SITUATION AND CIRCUMSTANCE
At The Rogers Tomblinson Group, we understand the importance of strategic financial planning, especially when it comes to retirement. We concentrate in providing comprehensive solutions that are tailored to your unique needs and goals.
By combining our extensive knowledge and experience with the vast resources of a global Wealth Management Firm, we offer you world-class strategies designed to maximize your financial potential. Our approach to financial and retirement planning is rooted in personalized service and objective advice.
We take the time to understand your aspirations, risk tolerance, and timeline, allowing us to develop a custom-tailored plan that aligns with your vision for retirement. Whether you're a financially successful individual or family, a small business owner, or a professional in the financial industry, we have the expertise to address your specific needs.
Explore more about our approach below and some of the tools Morgan Stanley offers to our esteemed clients:
By combining our extensive knowledge and experience with the vast resources of a global Wealth Management Firm, we offer you world-class strategies designed to maximize your financial potential. Our approach to financial and retirement planning is rooted in personalized service and objective advice.
We take the time to understand your aspirations, risk tolerance, and timeline, allowing us to develop a custom-tailored plan that aligns with your vision for retirement. Whether you're a financially successful individual or family, a small business owner, or a professional in the financial industry, we have the expertise to address your specific needs.
Explore more about our approach below and some of the tools Morgan Stanley offers to our esteemed clients:
Discover
We begin by engaging in a conversation to gain a deep understanding of your specific requirements, lifestyle, family dynamics, and future aspirations.
Advise
Our team collaborates with you to develop tailored portfolio strategies that not only align with your goals but also safeguard your desired outcomes.
Implement
We analyze a wide range of accounts and products to identify and implement solutions that best suit your unique investment strategy.
Track Progress
We provide assistance in tracking your progress, monitoring your spending habits, and managing your savings to ensure that you stay on course towards achieving your objectives.
MORGAN STANLEY'S SUITE OF DIGITAL TOOLS
Digital technology is centered on how people communicate, consume, transact and travel. Our suite of digital tool offerings are designed to optimize every aspect of your financial life. Below, outlines a few of the technologies we have to offer our clients.
Morgan Stanley Online and MS Mobile
In addition to providing access to your account balance and activity, Morgan Stanley Online (MSO) offers a vast set of features designed to facilitate your daily financial management needs. With MSO, you can effortlessly handle various everyday tasks such as bill payments, sending money, fund transfers, and expedite transactions with a single click using eAuthorizations. These features are designed to streamline and simplify your financial management processes, ultimately saving you time and effort.
Morgan Stanley OnlineTotal Wealth View
With Total Wealth View, you can see your complete financial picture by aggregating your accounts from multiple sources in one place, allowing for a holistic view of your wealth. By leveraging this feature we can offer personalized and comprehensive advice, tailored to your specific financial situation, while also ensuring the security and privacy of your financial data.
Total Wealth VieweAuthorizations
eAuthorizations allows you to approve transactions electronically and securely with just a single click on Morgan Stanley Online and Mobile App.
eAuthorizations Client GuideDigital Vault
With the Digital Vault, on Morgan Stanley Online and the Mobile App, you can easily and securely access, upload, or share life's most important documents. Whether it's wills, deeds, financial statements, or tax fillings, the Digital Vault enables you to manage all of your records in one location, while maintaining the highest levels of data security and privacy.
Digital Vault Client GuideeSign
Our clients benefit from a streamlined document management process, enabling them to swiftly receive, review, and execute necessary documents without any of the delays associated with the physical mailing process. Using the eSign feature is an effortless process that only requires a valid email address and phone number to begin.
eDelivery
eDelivery offers our clients the convenience and flexibility of accessing their statements and other important documents in an electronic format, eliminating the need for paper copies. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. The platform currently supports a wide range of documents including statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDelivery Client GuideCYBERSECURITY RESOURCE CENTER
Our multi-layered security framework encompasses a comprehensive range of safeguards. These include state-of-the-art encryption protocols that are designed to protect your data from unauthorized access. We also employ continuous monitoring to detect and prevent fraudulent activity in your accounts in real-time, ensuring that your assets are safeguarded at all times.
Furthermore, we conduct routine testing of our systems to identify and address potential vulnerabilities, and engage independent security firms to conduct thorough penetration testing of our applications and evaluate our processes. This external validation ensures that our security measures are robust and effective in safeguarding your information.
Furthermore, we conduct routine testing of our systems to identify and address potential vulnerabilities, and engage independent security firms to conduct thorough penetration testing of our applications and evaluate our processes. This external validation ensures that our security measures are robust and effective in safeguarding your information.
Online Security Center
Our commitment to safeguarding your assets and personal information is of utmost importance, and we offer comprehensive security measures along with a wealth of resources and ideas designed to assist you in protecting yourself online.
Access the Online Security Center
Protecting Your Smart Device
In today's interconnected world, smart devices have become an integral part of our lives, storing our voices, search history, and other sensitive information, which can pose potential security threats, making it imperative to take proactive measures to safeguard oneself.
Protecting Your Digital Footprint
Discover effective strategies to proactively manage your online presence and protect your personal information in today's digital age.
Click Here To Learn More
Phone Security
You likely spend more time each day on your smartphone than on your computer, but do you pay as much attention to protecting the security of your phone as your computer? Find out why you should.
Click Here To Learn More
Staying Cybersafe on Vacation
As you plan your vacation, it's important to remember that while you may be taking a break, cybercriminals are not - protect your cybersecurity with these helpful tips to safeguard your digital assets while you're away.
Click Here To Learn More
Cybercrime Preparedness
Are you concerned about the security of your email, Social Security Number, or other personal information? Gain peace of mind by learning the necessary steps to respond effectively if your identity, account, device, or information has been compromised.
Click Here To Learn MoreLocation
563 Hub Boulevard
Ste 301
Bowling Green, KY 42103
US
Direct:
(270) 936-6640(270) 936-6640
Fax:
(270) 282-4787(270) 282-4787
Meet The Rogers Tomblinson Group
Phone:
(270) 936-6634(270) 936-6634
Amy Walker
Group Director
Phone:
(270) 936-6631(270) 936-6631
Jessica Cunningham
Business Development Associate
Phone:
(270) 936-6636(270) 936-6636
Jenna Cionko
Client Service Associate
Phone:
(270) 936-6632(270) 936-6632
Chloe Key
Registered Client Service Associate
Phone:
(270) 936-6638(270) 936-6638
Abby Yelton
Client Service Associate
Phone:
(270) 936-6417(270) 936-6417
About Steve Rogers
Steve understands the importance of putting his clients first. With three decades of industry experience during major shifts in the market, Steve has developed the knowledge and tools to structure balanced portfolios that can help clients address their specific financial goals.
Steve started his career with Merrill Lynch in 1983. He then transitioned his business to JC Bradford, where he continued to work as a Financial Advisor while also serving as the Branch Manager. He ultimately became a partner in the firm and, for 12 years, was an active member of the Senior Advisory Council, a group of professionals charged with formulating the direction of the company. In 2000, JC Bradford was purchased by then PaineWebber, which ultimately became UBS Financial Services. Steve has been recognized as a Wells Fargo Advisor's Chairman's Council Premier Advisor, a designation reserved for the firm's top producers.
A 1978 Indiana University graduate, Steve believes in the value of continually learning. Steve completed the Securities Industry Institute program at the Wharton School at the University of Pennsylvania. He also completed securities industry training at the Owen School of Management at Vanderbilt University.
Steve is committed to helping his community prosper and has previously served on the boards of the Salvation Army of South Central Kentucky and the Southern Kentucky Performing Arts Center Foundation. He is an avid golfer and currently holds nine individual state titles, including winner of the Kentucky Open and the Kentucky Senior Open. Steve also had the honor of playing in the 2009 US Senior Open and the 2010 British Senior Open.
Both Steve and his wife Elizabeth are life-long residents of Bowling Green, Kentucky, where they raised their son Steven and daughters Margaret and Madeline.
Steve started his career with Merrill Lynch in 1983. He then transitioned his business to JC Bradford, where he continued to work as a Financial Advisor while also serving as the Branch Manager. He ultimately became a partner in the firm and, for 12 years, was an active member of the Senior Advisory Council, a group of professionals charged with formulating the direction of the company. In 2000, JC Bradford was purchased by then PaineWebber, which ultimately became UBS Financial Services. Steve has been recognized as a Wells Fargo Advisor's Chairman's Council Premier Advisor, a designation reserved for the firm's top producers.
A 1978 Indiana University graduate, Steve believes in the value of continually learning. Steve completed the Securities Industry Institute program at the Wharton School at the University of Pennsylvania. He also completed securities industry training at the Owen School of Management at Vanderbilt University.
Steve is committed to helping his community prosper and has previously served on the boards of the Salvation Army of South Central Kentucky and the Southern Kentucky Performing Arts Center Foundation. He is an avid golfer and currently holds nine individual state titles, including winner of the Kentucky Open and the Kentucky Senior Open. Steve also had the honor of playing in the 2009 US Senior Open and the 2010 British Senior Open.
Both Steve and his wife Elizabeth are life-long residents of Bowling Green, Kentucky, where they raised their son Steven and daughters Margaret and Madeline.
Securities Agent: MT, MS, SC, NV, IN, AZ, WV, MN, IA, VA, TN, RI, NH, MD, LA, DC, CO, OH, NC, CA, KS, TX, NY, KY, AR, PA, GA, MI, FL, AL, WA, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 928864
NMLS#: 928864
About Ben Tomblinson IV
Ben is dedicated to helping clients achieve their financial goals by understanding their needs and offering quality investment advice with unparalleled service. Beginning his career with Morgan Stanley in 1999, Ben and his team have years of experience in financial advising. He is focused on helping clients plan their transition to retirement and develop life-cycle savings and investment strategies.
Ben began his career as a financial advisor with Morgan Stanley in Bowling Green, where he earned the title of Associate Vice President - Wealth Advisor. In 2006, he moved his financial practice to Wells Fargo Advisors, predecessor of Wachovia Securities. As part of the Rogers Tomblinson Wealth Management Group, he serves as Executive Director. Ben holds a bachelor's degree from Western Kentucky University.
Ben earned the Certified Private Wealth Advisor designation after extensive studies and the successful completion of a comprehensive examination. The CPWA designation, delivered by the Investment Management Consultants Association (IMCA), is an advanced designation designed for financial advisors and consultants who work with high-net-worth clients on the life cycle of wealth.
Ben is a life-long resident of Bowling Green and has been married to his wife Heather for 20 years. They have three children: twin boys, Harris and Davis, and a daughter, Amy. Away from the office, Ben enjoys coaching his sons' sports teams and spending time with his family.
Ben began his career as a financial advisor with Morgan Stanley in Bowling Green, where he earned the title of Associate Vice President - Wealth Advisor. In 2006, he moved his financial practice to Wells Fargo Advisors, predecessor of Wachovia Securities. As part of the Rogers Tomblinson Wealth Management Group, he serves as Executive Director. Ben holds a bachelor's degree from Western Kentucky University.
Ben earned the Certified Private Wealth Advisor designation after extensive studies and the successful completion of a comprehensive examination. The CPWA designation, delivered by the Investment Management Consultants Association (IMCA), is an advanced designation designed for financial advisors and consultants who work with high-net-worth clients on the life cycle of wealth.
Ben is a life-long resident of Bowling Green and has been married to his wife Heather for 20 years. They have three children: twin boys, Harris and Davis, and a daughter, Amy. Away from the office, Ben enjoys coaching his sons' sports teams and spending time with his family.
Securities Agent: CA, NY, MN, LA, TN, NV, MS, AR, VA, TX, MI, GA, RI, OH, IA, CO, KS, WA, NC, AL, WV, MD, DC, SC, NH, MT, IN, AZ, PA, KY, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1909876
NMLS#: 1909876
Contact Steve Rogers
Contact Ben Tomblinson IV
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Rogers Tomblinson Group today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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
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
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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
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)
