Gordon P Sinkoff
Managing Director, Wealth Management, Financial Advisor
Phone:
(619) 544-6528(619) 544-6528
The Sinkoff Group at Morgan Stanley
Direct:
(619) 544-6528(619) 544-6528
Our Mission Statement
You've worked hard to create your wealth. That's why we make sure it's working hard for you, your family, and the generations that follow.
Welcome
Our clients are successful, driven, and expect excellence. After all, they’ve made a firm commitment to achieving it themselves. They range from Hollywood producers and entertainers, to former athletes and executives. However, they all have one thing in common – a goal to retire comfortably and to make sure their families are cared for in the future.
Wealth management for discriminating clients requires special attention, focused resources, and a meticulous approach. That’s where we come in. We take great pride in the professional quality of our work and, like our clients, have an uncompromising determination to achieve excellence in everything we undertake. How? We’re responsive, we follow through, and we’re extremely dedicated. In short, we have a tireless work ethic and unwavering respect for our clients.
Our distinguished team has over 90 years of combined experience in the industry. We balance our extensive knowledge with a youthful energy, cultivating close relationships with our clients that often spans generations. Whether you’re facing challenges with retirement planning, tax mitigation, or establishing a legacy, we focus on effective portfolio management so that you’re free to focus on your passions, your family, and your goals.
Wealth management for discriminating clients requires special attention, focused resources, and a meticulous approach. That’s where we come in. We take great pride in the professional quality of our work and, like our clients, have an uncompromising determination to achieve excellence in everything we undertake. How? We’re responsive, we follow through, and we’re extremely dedicated. In short, we have a tireless work ethic and unwavering respect for our clients.
Our distinguished team has over 90 years of combined experience in the industry. We balance our extensive knowledge with a youthful energy, cultivating close relationships with our clients that often spans generations. Whether you’re facing challenges with retirement planning, tax mitigation, or establishing a legacy, we focus on effective portfolio management so that you’re free to focus on your passions, your family, and your goals.
Services Include
- UGMA/UTMAFootnote1
- Wealth ManagementFootnote2
- 401(k) Rollovers
- 529 PlansFootnote3
- AnnuitiesFootnote4
- Asset Management
- Business PlanningFootnote5
- Business Succession PlanningFootnote6
- Cash ManagementFootnote7
- Certificates of DepositFootnote8
- Corporate BondsFootnote9
- Endowments and FoundationsFootnote10
- Estate Planning StrategiesFootnote11
- Exchange Traded FundsFootnote12
- Fixed IncomeFootnote13
- Lending Products
- Life InsuranceFootnote14
- Municipal BondsFootnote15
- Philanthropic Services
- Planning for Education FundingFootnote16
- Retirement PlanningFootnote17
- Trust AccountsFootnote18
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
The Sinkoff Group’s breadth of competency allows us to deliver the experience that can help add value to our clients who value assistance in managing the financial and personal complexity that comes with success. While each client’s story is unique, what all our clients have in common is the desire to build lives of success and lead lives of significance. We look forward to speaking with you to understand your challenges, so we can map out a strategy to help achieve your particular priorities and goals.
Wholistic Financial Planning & Monitoring
Wealth management brings virtually 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 an integrated strategy that is uniquely yours.
Robust Investment Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures 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 Income Distribution Planning
One of our key areas of strength is helping you prepare 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 with confidence.
College & Education Planning
Morgan Stanley offers a variety of 529 plan options to help you save for college and other education expenses.
Estate Planning Strategies
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.
Family Office Resources
Planning for your family's financial needs.
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.
Philanthropic Planning
Trust & Estate Planning
With you every step of the way. I analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Trust & Estate Planning
Intangible Asset Management
Intangible assets are becoming increasingly important for individuals and companies to grow and generate profits.
Intangible Asset Management
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.
Family Governance
Signature Access
A broad range of specialty services are available to enrich and enhance the health, safety, comfort, and interests of affluent families, from private aviation, personal security, art advisory, and household staffing, to private health advisory services and advisory services for single family offices.
Signature Access
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.
Wealth Education
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.
Intergenerational 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.
Tax ManagementOUR SIX-STEP PROCESS
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Plan Monitoring
Holistic plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
6. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Modern Wealth Tools
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include mobile check deposit, paying your bills online, sending money through Zelle®, and accessing current market data, research, company profiles and quotes.
Morgan Stanley Online
Total Wealth View
It’s hard to see the complete picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your financial advisor a full picture of your financial wealth and health.
Total Wealth View
Morgan Stanley Mobile App
Securely access your Morgan Stanley account–from virtually anywhere.
Morgan Stanley Mobile App
Digital Vault
Digital Vault, available on Morgan Stanley Online and the Mobile App, allows you to build a centralized document library where files are stored using encryption.
Digital VaultLocation
101 W Broadway
Ste 1800
San Diego, CA 92101
US
Direct:
(619) 544-6528(619) 544-6528
Meet The Sinkoff Group
Adam Sinkoff
Vice President, Financial Advisor
Phone:
(619) 238-6282(619) 238-6282
Jason Sinkoff
Financial Advisor, Financial Planning Specialist
Phone:
(619) 544-6555(619) 544-6555
C. Michelle Edwards
Vice President, Wealth Management Associate
Phone:
(619) 544-6537(619) 544-6537
Kate Predeina
Registered Associate
Phone:
(619) 238-3408(619) 238-3408
About Gordon P Sinkoff
Gordon P. Sinkoff is a Managing Director, Financial Advisor, and founder of The Sinkoff Group at Morgan Stanley. With over 43 years of experience in the financial services industry, Gordon provides wealth management with a focus on retirement planning, tax mitigation, and estate planning strategies. His clients range from Hollywood producers and entertainers to former athletes and executives – many of whom are high net worth individuals who all demand the highest degree of account administration and professional portfolio management.
Gordon attended the University of Michigan, Graduate School of Business Administration, where he received his Bachelor’s Degree in Business Administration with an accounting major in 1977. He passed the Michigan CPA examination in 1978 and was associated with Peat Marwick Mitchell & Co., CPA. (Gordon is a Non-Practicing CPA).
Gordon helps high net worth clients build successful wealth management plans so that they are free to concentrate on their passions, their family, and their goals. He believes in protecting, preserving, and building client net worth carefully, focusing on value, diversification and risk tolerance and mitigation.
An extremely diligent and hard worker, Gordon believes in honest communication, not letting calls go to voicemail, and providing his clients with the ultimate level of service.
Outside of work, Gordon is a chartered member of The Municipal Bond Association of San Diego. He is married with two adult sons who are both Financial Advisors on the Sinkoff team, his two grandchildren and loves working out, weight training, sports, and spending quality time with his family.
Gordon attended the University of Michigan, Graduate School of Business Administration, where he received his Bachelor’s Degree in Business Administration with an accounting major in 1977. He passed the Michigan CPA examination in 1978 and was associated with Peat Marwick Mitchell & Co., CPA. (Gordon is a Non-Practicing CPA).
Gordon helps high net worth clients build successful wealth management plans so that they are free to concentrate on their passions, their family, and their goals. He believes in protecting, preserving, and building client net worth carefully, focusing on value, diversification and risk tolerance and mitigation.
An extremely diligent and hard worker, Gordon believes in honest communication, not letting calls go to voicemail, and providing his clients with the ultimate level of service.
Outside of work, Gordon is a chartered member of The Municipal Bond Association of San Diego. He is married with two adult sons who are both Financial Advisors on the Sinkoff team, his two grandchildren and loves working out, weight training, sports, and spending quality time with his family.
Securities Agent: DC, AK, AR, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, LA, MA, MD, MI, MN, MT, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1255581
CA Insurance License #: 0A15974
NMLS#: 1255581
CA Insurance License #: 0A15974
About Adam Sinkoff
Adam Sinkoff is a Financial Advisor with The Sinkoff Group at Morgan Stanley. He provides professional money management, asset allocation, and customized managed investment portfolios to discriminating clients who expect excellence.
Adam joined Morgan Stanley in 2014. As the son of Gordon Sinkoff, he has a deep understanding of The Sinkoff Group’s uncompromising dedication to excellence and exceptional service.
With a tireless work ethic, Adam has quickly become an integral part of the team. His youthful energy helps to cultivate client relationships across generations.
Adam is married to his wife, Natalie, who is a flight attendant for Delta and they have two children.
Outside of work, Adam is committed to staying active and leading a healthy lifestyle in San Diego. He enjoys weight training, spending time on the basketball court and as well as quality time with his family.
Adam joined Morgan Stanley in 2014. As the son of Gordon Sinkoff, he has a deep understanding of The Sinkoff Group’s uncompromising dedication to excellence and exceptional service.
With a tireless work ethic, Adam has quickly become an integral part of the team. His youthful energy helps to cultivate client relationships across generations.
Adam is married to his wife, Natalie, who is a flight attendant for Delta and they have two children.
Outside of work, Adam is committed to staying active and leading a healthy lifestyle in San Diego. He enjoys weight training, spending time on the basketball court and as well as quality time with his family.
Securities Agent: ND, OR, TX, WY, WI, MN, LA, WV, WA, VA, UT, TN, SC, PA, OK, OH, NY, NV, NM, NJ, NE, NC, MT, MS, MI, MD, MA, KY, IN, IL, ID, HI, GA, FL, DC, CT, CO, CA, AZ, AR, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1297872
NMLS#: 1297872
About Jason Sinkoff
Jason Sinkoff is a Financial Advisor with The Sinkoff Group at Morgan Stanley. He holds the highly desired firm designation of Financial Planning Specialist, which provides retirement planning, wealth accumulation and management strategies and tools for high net-worth individuals.
Jason grew up watching his Dad, Gordon Sinkoff, build a very successful financial advisory business and was able to observe from an early age the importance of hard work and dedication. Those characteristics led Jason to graduate from Hofstra University on the Dean’s List with a BBA in Marketing, while leading the Division 1 tennis team as the Team Captain for 3 years. He also received his MBA from Wagner College in 2012 and graduated #1 in his class with a 4.0 GPA.
Jason brings an unmatched work ethic to the Sinkoff Group, that already has over 90 years of combined experience. He is fully committed to doing the research and preparation it takes to make sure clients are receiving premier financial advice. He will help them preserve what they have worked hard to earn and help them grow their wealth to establish financial confidence for their future as well as family generations to follow.
Outside of work, you can find Jason hiking Torrey Pines, walking the cliffs of Del Mar, playing tennis, and enjoying life as a proud Uncle of his niece and nephew.
Jason grew up watching his Dad, Gordon Sinkoff, build a very successful financial advisory business and was able to observe from an early age the importance of hard work and dedication. Those characteristics led Jason to graduate from Hofstra University on the Dean’s List with a BBA in Marketing, while leading the Division 1 tennis team as the Team Captain for 3 years. He also received his MBA from Wagner College in 2012 and graduated #1 in his class with a 4.0 GPA.
Jason brings an unmatched work ethic to the Sinkoff Group, that already has over 90 years of combined experience. He is fully committed to doing the research and preparation it takes to make sure clients are receiving premier financial advice. He will help them preserve what they have worked hard to earn and help them grow their wealth to establish financial confidence for their future as well as family generations to follow.
Outside of work, you can find Jason hiking Torrey Pines, walking the cliffs of Del Mar, playing tennis, and enjoying life as a proud Uncle of his niece and nephew.
Securities Agent: IL, LA, NJ, OH, TX, VT, WY, NC, FL, WV, WI, WA, VI, VA, UT, TN, SC, RI, PR, PA, OR, OK, NY, NV, NM, NH, NE, ND, MT, MS, MN, MI, ME, MD, MA, KY, KS, IN, ID, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2516072
CA Insurance License #: 4318027
NMLS#: 2516072
CA Insurance License #: 4318027
About C. Michelle Edwards
Michelle Edwards is an Assistant Vice President, Wealth Management Associate, with the Sinkoff Group at Morgan Stanley. With over 39 years of experience in the financial services industry, Michelle oversees all aspects of the business including administrative, operational and account maintenance and works with many of the high net worth clients.
Michelle graduated from Metropolitan State University of Denver with a Bachelor of Science in Business Management in 1983. She began her career working at some of the leading firms in the industry, including Drexel Burnham Lambert and Prudential Bache. She joined Smith Barney in 1989, which eventually became Morgan Stanley. She has been working with Gordon Sinkoff, the founder of the Sinkoff Group since 1991 assisting in helping to grow the business and nurture and serve the clients, some of whom span three generations or more. Michelle holds the Series 7 and Series 63 in addition to the California Insurance License.
Working very closely with the team, Michelle ensures that client’s needs are met with professionalism, incredible care, and extreme attention to detail. She brings a strong work ethic and dedication to the team. She prides herself on not only helping but getting to know clients and their families personally and fully understands the paramount importance of keeping them informed and following through every request to completion. She is devoted to meeting their needs while garnering goodwill and loyalty.
Away from the office, Michelle enjoys spending time with friends and family, traveling, music, rollerblading, and the beach.
Michelle graduated from Metropolitan State University of Denver with a Bachelor of Science in Business Management in 1983. She began her career working at some of the leading firms in the industry, including Drexel Burnham Lambert and Prudential Bache. She joined Smith Barney in 1989, which eventually became Morgan Stanley. She has been working with Gordon Sinkoff, the founder of the Sinkoff Group since 1991 assisting in helping to grow the business and nurture and serve the clients, some of whom span three generations or more. Michelle holds the Series 7 and Series 63 in addition to the California Insurance License.
Working very closely with the team, Michelle ensures that client’s needs are met with professionalism, incredible care, and extreme attention to detail. She brings a strong work ethic and dedication to the team. She prides herself on not only helping but getting to know clients and their families personally and fully understands the paramount importance of keeping them informed and following through every request to completion. She is devoted to meeting their needs while garnering goodwill and loyalty.
Away from the office, Michelle enjoys spending time with friends and family, traveling, music, rollerblading, and the beach.
CA Insurance License #: 0C09848
About Kate Predeina
Kate was born in Siberia, Russia where she earned two Masters Degrees in International Business and Accounting prior to moving to the US. She moved to San Diego in 2006 to pursue an experience in working abroad. Kate held several positions in the Business Banking and Private Banking industry as well as in the mortgage industry before getting fully licensed with brokerage licenses and transitioning to the Wealth Management Field. She joined Morgan Stanley in 2021 and is now part of the Sinkoff Group. She has over 10 years of experience in the financial industry with an emphasis on relationship building all while helping clients to achieve their financial goals.
Kate also turned her passion for beauty into a profession by graduating from The Paul Mitchell School of San Diego and earning a Cosmetology license in 2011. She worked for an international cosmetics company as an educator and an international makeup artist traveling to multiple countries for trade shows and educational events.
In her free time, she loves traveling near or far exploring new places or simply spending time in nature.
Kate also turned her passion for beauty into a profession by graduating from The Paul Mitchell School of San Diego and earning a Cosmetology license in 2011. She worked for an international cosmetics company as an educator and an international makeup artist traveling to multiple countries for trade shows and educational events.
In her free time, she loves traveling near or far exploring new places or simply spending time in nature.
CA Insurance License #: 0L20001
Contact Gordon P Sinkoff
Contact Adam Sinkoff
Contact Jason Sinkoff
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
Michael Mackowiak
Private Banker
About Michael Mackowiak
Michael Mackowiak is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
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.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
NMLS#: 1069297
Ready to start a conversation? Contact The Sinkoff Group today.
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Investors 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Morgan 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
8Investors 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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.
11Morgan 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.
12An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16When 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.
17When 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.
18Morgan 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*.
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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.
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Awards Disclosures
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Investors 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Morgan 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
8Investors 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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.
11Morgan 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.
12An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16When 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.
17When 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.
18Morgan 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)
