Judith A Schwartzbaum
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Workplace Advisor - Equity Compensation
The Schwartzbaum Urfer Group at Morgan Stanley
Direct:
(941) 364-7444(941) 364-7444
Toll-Free:
(800) 237-9441(800) 237-9441
Our Mission Statement
A skilled and compassionate team of experienced Financial Advisors serving the comprehensive needs and concerns of families.
Our Story
For more than four decades, families have turned to us for help managing the financial complexities of their lives. You can count on us to tackle the broad range of your concerns and plan ahead for life’s unexpected challenges. Our complementary skills and credentials allow us to address your issues from different perspectives and provide comprehensive strategies for each unique situation.
As experienced wealth managers, we help you:
• Grow a career or business
• Plan for a comfortable retirement
• Secure the right educational experiences for your children and grandchildren
• Help family members pursue their dreams
• Thoughtfully manage your liabilities.
Above all, we treat your issues, challenges, hopes and dreams with the compassionate understanding of a trusted friend. We are dedicated to providing you with powerful, customized solutions that serve the unique dynamics, values and priorities of your family across generations.
As experienced wealth managers, we help you:
• Grow a career or business
• Plan for a comfortable retirement
• Secure the right educational experiences for your children and grandchildren
• Help family members pursue their dreams
• Thoughtfully manage your liabilities.
Above all, we treat your issues, challenges, hopes and dreams with the compassionate understanding of a trusted friend. We are dedicated to providing you with powerful, customized solutions that serve the unique dynamics, values and priorities of your family across generations.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Mission
Our primary focus is the well-being of your entire family.
We take care of the obvious areas, such as:
• Managing Taxes. We keep an eye on new opportunities to reduce your taxable income as your goals and finances evolve.
• Retirement Planning. We help you develop and implement a strategy based on your personal vision of retirement.
• Education Planning. We help you craft a plan to pay for a good education for your children or grandchildren.
• Family Concerns. We help you prepare for the possibility that your parents or other relatives may need assistance with health or living expenses now or in the future.
• Liquidity Needs. We work to maximize your options for having funds available when you need them.
• Insurance and Long-Term Care. We aim to ensure your family is protected during difficult times.
But, we’re also more than qualified to address complex issues that fall outside the bounds of a traditional advisory relationship, such as:
• Transferring a family business to the next generation
• Creating an estate plan to minimize the potential for sibling conflict
• Refining your philanthropic goals around tax-aware strategies
Addressing these multi-faceted concerns requires specialized knowledge, experience and commitment. We are fortunate to have a Family Wealth Management Advisor on our team. Tom Urfer’s advanced knowledge, coupled with our team’s many years of experience working with families, uniquely positions us to deliver a broader spectrum of family-centric wealth management solutions to you.
We take care of the obvious areas, such as:
• Managing Taxes. We keep an eye on new opportunities to reduce your taxable income as your goals and finances evolve.
• Retirement Planning. We help you develop and implement a strategy based on your personal vision of retirement.
• Education Planning. We help you craft a plan to pay for a good education for your children or grandchildren.
• Family Concerns. We help you prepare for the possibility that your parents or other relatives may need assistance with health or living expenses now or in the future.
• Liquidity Needs. We work to maximize your options for having funds available when you need them.
• Insurance and Long-Term Care. We aim to ensure your family is protected during difficult times.
But, we’re also more than qualified to address complex issues that fall outside the bounds of a traditional advisory relationship, such as:
• Transferring a family business to the next generation
• Creating an estate plan to minimize the potential for sibling conflict
• Refining your philanthropic goals around tax-aware strategies
Addressing these multi-faceted concerns requires specialized knowledge, experience and commitment. We are fortunate to have a Family Wealth Management Advisor on our team. Tom Urfer’s advanced knowledge, coupled with our team’s many years of experience working with families, uniquely positions us to deliver a broader spectrum of family-centric wealth management solutions to you.
Cybersecurity
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Cybersecurity Video- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital Vault VideoThe Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
We are committed to ensuring that you understand and are comfortable with the financial markets and the recommendations we make on your behalf. Periodically, we offer opportunities for you to attend engaging and educational events that provide information and updates on the ever-changing world of finance.
Investors Forum is our annual educational event. We bring in speakers from around the country to address not only market related issues, but a wide variety of topics that may be of interest to you. Some of those topics have included how to talk about money with the next generation, the ways in which technology has changed jobs and investing, and how to protect yourself from identity theft and cyber-crimes.
We produce other, smaller events, which have focused on single issues such as current market updates, ESG investing, “Suddenly single – what you need to know if you are widowed or divorced,” trends and opportunities in alternative investments, 1031 tax changes for real estate, and new ways to get liquidity from appreciated real estate investments.
Investors Forum is our annual educational event. We bring in speakers from around the country to address not only market related issues, but a wide variety of topics that may be of interest to you. Some of those topics have included how to talk about money with the next generation, the ways in which technology has changed jobs and investing, and how to protect yourself from identity theft and cyber-crimes.
We produce other, smaller events, which have focused on single issues such as current market updates, ESG investing, “Suddenly single – what you need to know if you are widowed or divorced,” trends and opportunities in alternative investments, 1031 tax changes for real estate, and new ways to get liquidity from appreciated real estate investments.
Investors Forum
The document below contains information about our 2023 Investors Forum event.
Investors Forum 2023 RecapIn The Press
Forbes Best-In-State Wealth Management Team (2025)
The Schwartzbaum Urfer Group Named to Forbes Best-In-State Wealth Management Team ListForbes Top Women Wealth Advisor Best-In-State (2025)
Judith Schwarzbaum Named to Forbes Top Women Wealth Advisor Best-In-State ListForbes Best-In-State Wealth Management Team (2023)
Schwartzbaum Urfer Group Named to Forbes Magazine's Best-In-State Wealth Management Teams ListForbes Best-In-State Wealth Advisors and Best-In-State Women Advisors (2022 and 2023)
Judith Schwartzbaum Named to Forbes Magazine's Best-In-State Wealth Advisors and Best-In-State-Women AdvisorsForbes Top 250 Women Wealth Advisors (2018)
Judith Schwartzbaum Named to Forbes Magazine's "Top 250 Women Wealth Advisors"Forbes Best-In-State Wealth Advisors (2018)
Judith Schwartzbaum Named to Forbes Magazines List of Americas Best-in-State Wealth AdvisorsForbes Best-In-State Wealth Management Team (2025)
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Forbes Top Women Wealth Advisor Best-In-State (2025)
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://lnkd.in/e8m5Nymt
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
Forbes America's Top 250 Women Wealth Advisors
Source: Forbes.com (Awarded May 2018) Data compiled by SHOOK Research LLC based on time period from 9/30/16 - 9/30/17.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Forbes Top Women Wealth Advisor Best-In-State (2025)
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://lnkd.in/e8m5Nymt
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
Forbes America's Top 250 Women Wealth Advisors
Source: Forbes.com (Awarded May 2018) Data compiled by SHOOK Research LLC based on time period from 9/30/16 - 9/30/17.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
Location
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-7444(941) 364-7444
Toll-Free:
(800) 237-9441(800) 237-9441
Meet The Schwartzbaum Urfer Group
Thomas Z Urfer, CFP®
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(941) 364-3567(941) 364-3567
Xochitl Napoles
Financial Advisor, Financial Planning Specialist
Phone:
(941) 364-7430(941) 364-7430
Amanda Evans
Senior Registered Client Service Associate
Phone:
(941) 364-7445(941) 364-7445
Jillien Fry
Wealth Management Analyst
Phone:
(941) 364-3528(941) 364-3528
About Judith A Schwartzbaum
Since 1985, I have helped families prepare for the most important things in their lives – college for children and grandchildren, planning for and funding their retirement years, and building contingencies for life’s unforeseen surprises. As the senior partner of The Schwartzbaum Urfer Group at Morgan Stanley, I ensure that our team focuses on all aspects of wealth because our clients have a lot more to manage than just their money. Our highly personalized and comprehensive wealth management strategies go beyond asset management. We build customized financial plans that incorporate estate and trust planning, charitable giving and long-term legacy plans, risk management contingencies, and provisions for helping family members. We coordinate our recommendations with our clients’ CPAs and attorneys to incorporate legal and tax planning considerations. Our team is committed to ongoing learning, for ourselves and for our clients. We work hard to ensure that our clients receive advice that matches their needs and that they understand and are comfortable with our recommendations
I grew up in Wisconsin and graduated from Wayland Academy in Beaver Dam, and then went on to earn a bachelor of arts degree from the University of Wisconsin-Madison and a master of arts degree from the University of Wisconsin-Milwaukee. I continue my education as a member of the Association of Professional Investment Consultants (APIC) and of the Portfolio Management Institute.
My family had vacationed in Sarasota since I was a teenager, so relocating to Sarasota in 1984 was an easy decision and transition. I was married to a retired physician, Dr. Leonard Schwartzbaum, who passed away in 2018. My family includes daughters Anne and Amy, son Daniel and grandchildren Katherine and Julia. My household also includes two dogs. Bella is a beautiful black Labrador Retriever who was trained to be Len’s service assistance dog and Reese, a yellow lab rescue dog, is the newest member of my family. I have traveled extensively. My commitment to my family and to yours is the most important part of our Group’s mission statement.
I grew up in Wisconsin and graduated from Wayland Academy in Beaver Dam, and then went on to earn a bachelor of arts degree from the University of Wisconsin-Madison and a master of arts degree from the University of Wisconsin-Milwaukee. I continue my education as a member of the Association of Professional Investment Consultants (APIC) and of the Portfolio Management Institute.
My family had vacationed in Sarasota since I was a teenager, so relocating to Sarasota in 1984 was an easy decision and transition. I was married to a retired physician, Dr. Leonard Schwartzbaum, who passed away in 2018. My family includes daughters Anne and Amy, son Daniel and grandchildren Katherine and Julia. My household also includes two dogs. Bella is a beautiful black Labrador Retriever who was trained to be Len’s service assistance dog and Reese, a yellow lab rescue dog, is the newest member of my family. I have traveled extensively. My commitment to my family and to yours is the most important part of our Group’s mission statement.
Securities Agent: IL, AZ, WA, MD, TX, NH, IA, OH, MT, MN, NC, MA, CO, UT, NY, MO, HI, GA, DE, DC, AL, SC, MS, VT, LA, AR, WI, MI, FL, VA, NJ, CA, PA, NV, ME, IN, CT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285402
CA Insurance License #: 0C99717
NMLS#: 1285402
CA Insurance License #: 0C99717
About Thomas Z Urfer
As a partner in The Schwartzbaum Urfer Group, I help ensure that our clients’ financial plans are structured to achieve their milestones and include contingencies for life’s unplanned events. I draw on my experience and credentialed knowledge to design strategies that prepare clients for a comfortable retirement, pay for children or grandchildren’s education, provide for aging parents and create a sustaining legacy. It gives me tremendous satisfaction when clients tell me that our work together helps them to sleep well at night.
I grew up in Sarasota, graduated with honors from the University of Florida and joined the Sarasota office of H&R Block Financial Advisors in 1999. Three years later, I was recruited by Merrill Lynch to join a new office in Palm Coast, Florida, located in Flagler County. I earned my CERTIFIED FINANCIAL PLANNER™ professional designation in 2006 and then teamed up with Judy Schwartzbaum when my family and I moved back home to Sarasota in 2009.
I stay active in the community through my involvement with the Sarasota County Gator Club, the UF Alumni Association and the Gulf Coast Leadership Institute. I am on the board of Riverview High School’s Alumni Hall of Fame and enjoy running the scoreboard for the basketball team’s home games. During my free time, I enjoy golfing, fishing, boating, kayaking, hiking and spending time with my two sons.
I grew up in Sarasota, graduated with honors from the University of Florida and joined the Sarasota office of H&R Block Financial Advisors in 1999. Three years later, I was recruited by Merrill Lynch to join a new office in Palm Coast, Florida, located in Flagler County. I earned my CERTIFIED FINANCIAL PLANNER™ professional designation in 2006 and then teamed up with Judy Schwartzbaum when my family and I moved back home to Sarasota in 2009.
I stay active in the community through my involvement with the Sarasota County Gator Club, the UF Alumni Association and the Gulf Coast Leadership Institute. I am on the board of Riverview High School’s Alumni Hall of Fame and enjoy running the scoreboard for the basketball team’s home games. During my free time, I enjoy golfing, fishing, boating, kayaking, hiking and spending time with my two sons.
Securities Agent: MO, LA, IA, DE, SC, OR, NV, MT, AR, RI, NH, MI, IN, GA, CO, HI, VT, SD, UT, MS, MD, MA, AZ, AL, TN, NY, NJ, NC, MN, DC, WI, WA, TX, IL, FL, VA, PA, ME, CT, CA, WV, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278819
CA Insurance License #: 0E93560
NMLS#: 1278819
CA Insurance License #: 0E93560
About Xochitl Napoles
I am a Financial Advisor and Financial Planning Specialist with The Schwartzbaum Urfer Group at Morgan Stanley. Holding securities licenses Series 7 and 66, as well as the Life and Variable Annuity Insurance license.
I began my Financial Services career in Mexico in 2010, collaborating with international companies BBVA (Banco Bilbao Vizcaya Argentaria), HSBC (Hong Kong Shanghai Banking Corporation) and Vector Brokerage in Business Banking, Wealth Management and Financial Advising. Moving in 2016 to The United States, I worked with Huntington Bank (Midwest) and J.P. Morgan as Private Banker and Branch Manager.
I joined The Schwartzbaum Urfer Group at Morgan Stanley in 2021, where I focus on deepening relationships with multigenerational households, understanding their life goals and dreams, cash management needs and risk tolerance; to develop personalized investment strategies aligned with their objectives.
I earned a double MBA at Universidad TecMilenio with concentration in Quality & Productivity / Finance. I am Bilingual (Spanish). During my free time I enjoy speed-skating and traveling. I give back to the community, actively participating with non-profit Sarasota Sister Cities Association and Unidos Now.
NMLS# 1560449
I began my Financial Services career in Mexico in 2010, collaborating with international companies BBVA (Banco Bilbao Vizcaya Argentaria), HSBC (Hong Kong Shanghai Banking Corporation) and Vector Brokerage in Business Banking, Wealth Management and Financial Advising. Moving in 2016 to The United States, I worked with Huntington Bank (Midwest) and J.P. Morgan as Private Banker and Branch Manager.
I joined The Schwartzbaum Urfer Group at Morgan Stanley in 2021, where I focus on deepening relationships with multigenerational households, understanding their life goals and dreams, cash management needs and risk tolerance; to develop personalized investment strategies aligned with their objectives.
I earned a double MBA at Universidad TecMilenio with concentration in Quality & Productivity / Finance. I am Bilingual (Spanish). During my free time I enjoy speed-skating and traveling. I give back to the community, actively participating with non-profit Sarasota Sister Cities Association and Unidos Now.
NMLS# 1560449
Securities Agent: CA, NY, MS, TX, RI, MO, LA, GA, WV, OH, NH, SC, HI, FL, MI, IL, IA, VA, SD, NC, MD, DE, AZ, AR, WI, WA, MT, MN, IN, UT, PA, NJ, ME, MA, DC, OR, AL, TN, CT, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1560449
NMLS#: 1560449
About Amanda Evans
Amanda entered the financial services industry in 2017 with a background in marketing and customer service. Amanda has joined the team to help support our business operations and client needs. Amanda prides herself on delivering a truly personalized, concierge experience to every client. Amanda's prior experience includes onboarding new clients, processing existing client requests, resolving inquiries, handling estate needs, and preparing materials for client meetings. As a Senior Registered Client Services Associate, Amanda holds her Series 7 and 66 licenses and can execute client portfolio rebalancing and individual stock trades.
Prior to joining Morgan Stanley, Amanda worked at UBS and Baird. Amanda grew up in New Jersey and studied Communications and Math at the University of Colorado in Colorado Springs. She now enjoys an active lifestyle in Sarasota with her husband, Jamie, their daughter, Taylor, and their two dogs, Lana and Leo. She is a fitness enthusiast and will hardly turn down an invitation to run a 5k to support organizations. Amanda also enjoys participating in volunteer opportunities at Philippi Shores Elementary School, where her daughter is a student.
Prior to joining Morgan Stanley, Amanda worked at UBS and Baird. Amanda grew up in New Jersey and studied Communications and Math at the University of Colorado in Colorado Springs. She now enjoys an active lifestyle in Sarasota with her husband, Jamie, their daughter, Taylor, and their two dogs, Lana and Leo. She is a fitness enthusiast and will hardly turn down an invitation to run a 5k to support organizations. Amanda also enjoys participating in volunteer opportunities at Philippi Shores Elementary School, where her daughter is a student.
About Jillien Fry
Jillien joined Morgan Stanley in 2018 and has worked as a Wealth Advisor Associate and Training Specialist. Her previous roles have given her extensive experience with our financial planning tools and digital offerings like Morgan Stanley Online, Total Wealth View and Digital Vault. Jillien will be working with clients to create and update financial plans, as well as modernizing our clients' experience through digital tools.
Jillien has Bachelor's degrees in International Studies and Journalism from the University of Mississippi and a Master's degree in History of Art and Art World Practice from the University of Glasgow. Prior to joining Morgan Stanley, Jillien taught English in South Korea and worked in non-profit fundraising and marketing. Originally from Jackson, Mississippi, Jillien has lived in Sarasota since 2020. Outside of the office, she enjoys volunteering, traveling, and spending time with friends, family, and her dog, Juniper.
Jillien has Bachelor's degrees in International Studies and Journalism from the University of Mississippi and a Master's degree in History of Art and Art World Practice from the University of Glasgow. Prior to joining Morgan Stanley, Jillien taught English in South Korea and worked in non-profit fundraising and marketing. Originally from Jackson, Mississippi, Jillien has lived in Sarasota since 2020. Outside of the office, she enjoys volunteering, traveling, and spending time with friends, family, and her dog, Juniper.
Contact Judith A Schwartzbaum
Contact Thomas Z Urfer
Contact Xochitl Napoles
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
Justine Smale
Private Banker
About Justine Smale
Justine Smale is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and
International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and
International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
NMLS#: 641860
Wealth Management
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Schwartzbaum Urfer Group today.
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1The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
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5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Awards Disclosures
1The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
