Michael Scheid
Executive Director, Senior Portfolio Manager, Financial Advisor, Alternative Investments Director
Phone:
(502) 394-4047(502) 394-4047
The Scheid Group at Morgan Stanley
Direct:
(502) 394-4047(502) 394-4047
Toll-Free:
(866) 373-6378(866) 373-6378
Our Mission Statement
Customized investment and financial strategies for clients like you.
Welcome to Our Team
Our clients believe, as we do, in the importance of building longstanding relationships with their financial advisors. They have grown to depend on our ability to deeply listen to them, so we may clearly articulate their goals and aspirations. Above all, they have come to appreciate our true passion for wanting to help them solve their financial challenges.
With an emphasis on education and a commitment to outstanding service, our mission is simple: To provide objective, high quality wealth management advice to help empower you with a level confidence, so you may pursue your personal interests and enjoy the wealth you've created.
At The Scheid Group at Morgan Stanley, we enjoy sharing our knowledge, skills, and experience with you and your family to provide perspective and financial guidance as you take on new challenges. We are committed to helping you grow and protect your assets. Most importantly, we will work diligently to earn your confidence, so we may proudly be recognized as your family financial advisor – through every one of life's important milestones.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- Alternative InvestmentsFootnote3
- AnnuitiesFootnote4
- Asset Management
- Cash ManagementFootnote5
- Corporate Retirement PlansFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Lending Products
- Planning for Education FundingFootnote9
- Qualified Retirement PlansFootnote10
- Retirement PlanningFootnote11
- Trust AccountsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family – whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Your Customized Solutions
As your wealth grows, so does it complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a integrated strategy that is uniquely yours.
Financial Planning
The cornerstone of an effective wealth management plan is the comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots and helps ensure legacy goals are met.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life.
401(k)
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.
Business Planning
The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale or maintain family ownership through the next generation, we will help you examine your alternatives and develop the best strategy to achieve your goals.
Business Succession Planning
Owning a business represents years, if not decades, of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession. We understand succession in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy.
Planning for Your Family's Financial Needs
Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Trust & Estate Planning
We are with you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Learn more
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Family Governance
Particularly in the case of an ultra high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in other words, a family governance system.
Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Learn more
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Client Resources
The Scheid Group is dedicated to providing our clients and prospects with the latest resources, insights and tools available to be better informed in the current marketplace.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
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.
Learn More About Total Wealth View
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
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 ReportLocation
4969 US Highway 42
Suite 1200
Louisville, KY 40222
US
Direct:
(502) 394-4047(502) 394-4047
Toll-Free:
(866) 373-6378(866) 373-6378
250 Park Avenue South
Winter Park, FL 32789
US
Direct:
(407) 740-4972(407) 740-4972
Meet The Scheid Group
Michael Scheid Jr., CEPA®
Associate Vice President, Wealth Management, Financial Advisor
Phone:
(407) 740-4972(407) 740-4972
Jeff Hicks, CFP®
Financial Advisor, Vice President
Phone:
(502) 394-4024(502) 394-4024
Mona Jenkins
Portfolio Associate
Phone:
(502) 394-4017(502) 394-4017
Tara Guhy, Financial Planning Specialist
Senior Registered Client Service Associate
Phone:
(502) 394-4070(502) 394-4070
About Michael Scheid
Mike is an Executive Director, Senior Portfolio Manager, Financial Advisor and founding member of The Scheid Group at Morgan Stanley. For more than 30 years, he has been providing highly customized advice, investment strategies and financial planning services to financially successful individuals and families, corporate executives, retirees and business owners in Louisville and across the country.
With a passion for comprehensive wealth management, Mike delivers objective advice through exceptional “high touch” service to the clients he proudly serves. He has extensive experience in asset selection, asset allocation and risk management. He enjoys helping people solve their financial challenges. It is this service that earned him the distinction of a Forbes Best-In-State Wealth Advisor in 2022.
While earning his B.B.A. degree in Finance from the University of Kentucky, Mike began his financial services career as an intern at Dean Witter. Upon graduation, he joined the firm as an Associate, before moving to Hilliard Lyons in 1989, where he served as a Financial Advisor for 11 years. He became a member of the Morgan Stanley family in 2000.
Originally from Cincinnati, Mike currently lives in Louisville with his wife, Sherrill. They have three grown children and four granddaughters. He is an avid fly fisherman and in his free time enjoys fly tying, biking, open water swimming and playing with his grandchildren.
Forbes Best-In-State Wealth Advisors (2022)
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
With a passion for comprehensive wealth management, Mike delivers objective advice through exceptional “high touch” service to the clients he proudly serves. He has extensive experience in asset selection, asset allocation and risk management. He enjoys helping people solve their financial challenges. It is this service that earned him the distinction of a Forbes Best-In-State Wealth Advisor in 2022.
While earning his B.B.A. degree in Finance from the University of Kentucky, Mike began his financial services career as an intern at Dean Witter. Upon graduation, he joined the firm as an Associate, before moving to Hilliard Lyons in 1989, where he served as a Financial Advisor for 11 years. He became a member of the Morgan Stanley family in 2000.
Originally from Cincinnati, Mike currently lives in Louisville with his wife, Sherrill. They have three grown children and four granddaughters. He is an avid fly fisherman and in his free time enjoys fly tying, biking, open water swimming and playing with his grandchildren.
Forbes Best-In-State Wealth Advisors (2022)
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: UT, FL, SD, NV, NJ, SC, MO, KY, DC, CO, OH, NY, MD, CT, AR, OR, CA, IL, PA, IN, GA, TN, OK, AZ, NC, MA, AL, VA, TX, NM, MN, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 2069349
NMLS#: 2069349
About Michael Scheid Jr.
Michael is a Financial Advisor with The Scheid Group at Morgan Stanley, where he provides customized financial planning, investment management, and business planning services for successful individuals, families, executives, and business owners.
Michael enjoys working with clients on the big picture of overall planning down to the small details of portfolio implementation. He has extensive experience in securities analysis, estate planning, and capital raising.
While earning his B.B.A in Finance from the University of Notre Dame, Michael also competed on the university's varsity swimming and diving team. Michael began his financial services career as an equity research analyst with Baird covering the oil and gas sector. Prior to joining Morgan Stanley in 2021, Michael spent half a decade working in private equity as a senior associate at Level Equity Management, where he helped software and technology business owners raise capital.
Originally from Louisville, Michael currently lives in Winter Park with his wife, Karishma. In his free time, he enjoys traveling with his wife.
Michael enjoys working with clients on the big picture of overall planning down to the small details of portfolio implementation. He has extensive experience in securities analysis, estate planning, and capital raising.
While earning his B.B.A in Finance from the University of Notre Dame, Michael also competed on the university's varsity swimming and diving team. Michael began his financial services career as an equity research analyst with Baird covering the oil and gas sector. Prior to joining Morgan Stanley in 2021, Michael spent half a decade working in private equity as a senior associate at Level Equity Management, where he helped software and technology business owners raise capital.
Originally from Louisville, Michael currently lives in Winter Park with his wife, Karishma. In his free time, he enjoys traveling with his wife.
Securities Agent: CT, TX, SC, NY, AZ, OK, NC, MN, AR, PA, KY, DC, TN, NM, MA, FL, MI, MD, IL, VA, OR, NJ, IN, AL, SD, CO, UT, OH, MO, GA, CA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2288621
NMLS#: 2288621
About Jeff Hicks
Jeff is a First Vice President, CERTIFIED FINANCIAL PLANNER™ (CFP®) and Financial Advisor with The Scheid Group at Morgan Stanley, where he provides customized financial planning services to financially successful individuals and families living in Louisville and across the country. Concentrating on retirement and estate planning strategies for executives, multi-generational families and business owners, Jeff’s focus complements Mike’s experience to help ensure all of the Group’s clients receive comprehensive financial planning and investment management services.
Jeff earned his B.S.B.A. degree in Marketing from the University of Louisville. He joined Morgan Stanley in early 2007, and began working with Mike later that year to form The Scheid Group. He earned his CFP® designation in 2011. Jeff’s mission is to guide his clients on the growth and preservation of their assets. His comprehensive process is focused on articulating each client’s needs, goals, dreams and challenges. This information then serves as the foundation for the development of a custom financial plan, which can be easily adapted to respond to life changes.
Jeff calls Louisville his home, where he lives with his wife, Nicole, and their two sons. He is an avid golfer and runner.
Jeff earned his B.S.B.A. degree in Marketing from the University of Louisville. He joined Morgan Stanley in early 2007, and began working with Mike later that year to form The Scheid Group. He earned his CFP® designation in 2011. Jeff’s mission is to guide his clients on the growth and preservation of their assets. His comprehensive process is focused on articulating each client’s needs, goals, dreams and challenges. This information then serves as the foundation for the development of a custom financial plan, which can be easily adapted to respond to life changes.
Jeff calls Louisville his home, where he lives with his wife, Nicole, and their two sons. He is an avid golfer and runner.
Securities Agent: IN, DC, PA, OR, NV, KY, AZ, SD, NY, MO, CA, AR, AL, UT, MN, MD, MA, FL, NJ, CO, NM, NC, MI, TX, TN, SC, IL, CT, VA, OK, OH, GA; General Securities Representative; Investment Advisor Representative
About Mona Jenkins
Working directly with investors since 1984, Mona not only knows how to help meet their specific needs, she knows how to anticipate them as well. Prior to joining Morgan Stanley in 1996, she worked at several financial firms, including Hilliard Lyons, Prudential Securities, and Dean Witter. She holds her FINRA Series 7, 31, 63 and 65 licenses.
About Tara Guhy
Tara joined the Scheid Group in 2022 and has been with Morgan Stanley since 2018. Her primary focus is to improve and implement procedures to benefit client experience. She currently holds her Financial Planning Specialist designation and FINRA Series 7, 9, 10 and 66 licenses.
A native of Louisville, Tara graduated from the University of Louisville in 2018 with a degree in Math. She enjoys spending time with family and expressing her creativity through baking and home improvement projects.
*Disclaimer: this role cannot solicit or provide investment advice
A native of Louisville, Tara graduated from the University of Louisville in 2018 with a degree in Math. She enjoys spending time with family and expressing her creativity through baking and home improvement projects.
*Disclaimer: this role cannot solicit or provide investment advice
Contact Michael Scheid
Contact Michael Scheid Jr.
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
Mark Thompson
Private Banker
About Mark Thompson
NMLS# 152531
Mark Thompson is a Private Banker serving Morgan Stanley Wealth Management offices in Tennessee, Kentucky, and West Virginia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Mark began his career in financial services in 1995, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Private Banker at Merrill Lynch.
Mark is a graduate of St. Thomas University, where he received a Bachelor of Arts in Political Science. He lives in Franklin, Tennessee with his family. Outside of the office, Mark enjoys playing golf and hockey.
Mark Thompson is a Private Banker serving Morgan Stanley Wealth Management offices in Tennessee, Kentucky, and West Virginia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Mark began his career in financial services in 1995, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Private Banker at Merrill Lynch.
Mark is a graduate of St. Thomas University, where he received a Bachelor of Arts in Political Science. He lives in Franklin, Tennessee with his family. Outside of the office, Mark enjoys playing golf and hockey.
NMLS#: 152531
Wealth Management
From Our Team
529 Plans: A Powerful Tool to Save for Education
Wealth Management
Global Investment Office
Portfolio Insights
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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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
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
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
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
Ready to start a conversation? Contact The Scheid 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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
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 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.
7Morgan 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.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11When 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.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
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 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.
7Morgan 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.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11When 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.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
