SEG Our Story

The Snyder-Ervin Group is a premier Financial Advisor Wealth Management team located in the scenic Annapolis City Marina area of Maryland's capital.

Our highly qualified team includes six financial advisors of which four advisors hold CERTIFIED FINANCIAL PLANNER (CFP®) designations, one Corporate Retirement Director with Chartered Retirement Plans Specialist (CRPS®) designation, one Family Wealth Director with Certified Investment Manager Analyst® (CIMA®) and Senior Investment Management Consultant certifications, and one Chartered Financial Analyst®.

Jim Snyder, the founder of the Snyder-Ervin Group, began his financial advising career over 50 years ago.

Tom Ervin partnered with Jim in 1992, enhancing the team's corporate retirement plan services with his background in 401(k) and retirement administration.

Dan Snyder arrived from the Baltimore headquarters of Legg Mason Funds in 1996.

In 2008 Jonathan Steele became a team member after earning an MBA in finance from the University of Maryland Graduate Business School.

In July 2020, the Snyder-Ervin Group recognized Lisa Kittner's leadership skills, rich investment experience, and deep Firm connectivity and enlisted Lisa to direct team efforts to help bring the full Firm to our clients.

Chad Houser, CFA® became a team member of the Snyder-Ervin Group in March of 2023.

Our Support Professionals - Katie Eckenrode, Brandon Kerrigan, and Chase Webbert provide exceptional client service that complements the extensive investment knowledge and expertise of the six financial advisors. Brandon holds a Chartered Retirement Planning CounselorTM designation.

Snyder-Ervin Group's resources, process and services make our credentialed, preeminent, multi-generational team valued by our clients seeking financial advice.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Snyder-Ervin Group named to list of Forbes Best-In-State Wealth Management Teams

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Forbes has launched its third annual list of Best-In-State Wealth Management Teams, highlighting groups of professionals recognized as among the best our industry has to offer. We are pleased to share that we have earned a spot in this prestigious ranking for 2025, 2024, and the inaugural list of 2023. Selection for this list is based on comprehensive criteria, including firm nomination, industry experience and best practices.

This accolade is a reflection of our commitment to both you and Morgan Stanley. While much has changed since the firm was founded more than 85 years ago, the quality of service, personal attention and customized solutions we provide to our clients has remained steadfast.

It is a privilege to work with you toward the financial future you envision.
Snyder-Ervin Group named to list of Forbes Best-In-State Wealth Management Teams
Best-In-State Wealth Management Teams
* 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (January, 2025). Forbes Best-in-State Wealth Management Teams ranking was developed by SHOOK Research and is based on in-person, virtual and telephone due diligence meetings and a ranking algorithm that includes: a measure of each team’s best practices, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and team, and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC. CRC 4157519 1/14/2025


*2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Jan 2024) 2024 Forbes Best-In-State Wealth Management Teams ranking awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/22–3/31/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC, for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each Financial Advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 6165860 01/2024

2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Jan 2023) 2023 Forbes Best-In-State Wealth Management Teams ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/21 – 3/31/22. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based the opinions of SHOOK Research LLC, and this ranking may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and performs their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.


Please note that the URL(s) or hyperlink(s) in this material is not to a Morgan Stanley Smith Barney LLC website. It was created, operated and maintained by a different entity. Morgan Stanley Smith Barney LLC 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 linked site; nor do we guarantee its accuracy or completeness. Morgan Stanley is not responsible for the information contained on the third-party web site or the use of or inability to use such site.

Working With You

Our team's philosophy is to develop a customized strategy with each client, aiming to preserve and increase their wealth, while working to reduce taxes and investment expenses. The team is structured to deliver advice over several generations based upon knowledge, experience, and integrity. These principles are what guide our team with every client we serve.

Our client relationship process:

DISCOVER
Understand the client objectives

CREATE
Develop an asset allocation strategy focusing on risk control

ACT
Implement investment, retirement, cash management and suggest insurance solutions and trust services suited to your needs

ADJUST
Periodically review the results and update the objectives

_________________________________
1 Tax Considerations - Morgan Stanley Smith Barney LLC, its affiliates, and Morgan Stanley Financial Advisors and employees are not in the business of providing tax or legal advice, and these materials and any statements contained herein should not be construed as tax or legal advice. Individuals are urged to consult their personal tax advisor or attorney for matters involving taxation and tax planning and their personal attorney for matters involving trust and estate planning and other legal matters. ©2015 Morgan Stanley Smith Barney LLC. Member SIPC

2 Insurance Services - Morgan Stanley LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability and surrenders.

3 Trustee Considerations - Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.

Snyder-Ervin Group Strengths

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Custom Portfolio Design
Every individual and family has different financial needs and risk tolerance depending on their particular goals, stage in life, time horizon, or special interests. The Snyder-Ervin Group will spend the time necessary to understand each client's wishes and develop a customized portfolio to address your income, growth, and volatility focus.
Financial and Retirement Planning
We cater to individuals, families, business owners, executives, doctors, entertainment industry specialists, military personnel, successful professionals approaching retirement and those in active retirement. Our comprehensive approach encompasses goals-based planning, college planning, insurance solutions, estate planning strategy, trust services, banking and lending, and charitable giving.

Some women may appreciate and be comfortable working with our female financial advisor. Lisa has a passion for seeing women thrive, achieve financial independence, and embrace and integrate life goals to build lives of meaning and significance.
Corporate Retirement Plans
Our commitment is to provide high quality retirement services and solutions for you, your business, and your employees. We have the resources tailored to the needs of your business. We have a process for developing and managing your retirement plan evaluation, plan management, and plan participation. We provide investment management, fiduciary services, employee education and enrollment meetings, vendor search, and benchmarking services.

Upcoming Firm Events

We hope you will join us for this upcoming event.

AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future

We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.

CRC4303146 03/2025
Online

Additional Replays

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Location

410 Severn Ave
Bldg B Ste 211
Annapolis, MD 21403
US
Direct:
(410) 295-5869(410) 295-5869
Toll-Free:
(888) 645-5344(888) 645-5344
Fax:
(240) 752-6238(240) 752-6238

Meet The Snyder-Ervin Group

Photo of Katie Eckenrode

Katie Eckenrode

Senior Client Service Associate
Phone:
(410) 295-5869(410) 295-5869
Photo of Brandon M. Kerrigan

Brandon M. Kerrigan

Financial Advisor, Chartered Retirement Planning Counselor, Chartered Retirement Plans Specialist
Phone:
(410) 295-5869(410) 295-5869
Photo of Chase Webbert

Chase Webbert

Client Service Associate
Phone:
(410) 295-5869(410) 295-5869

About Jim Snyder

Jim Snyder meets with clients to discuss objectives, strategies, guidelines, asset allocation, taxes, planning for retirement and estate planning issues. His specialty is working with clients entering retirement or in retirement with emphasis on protecting current values, generating income, and growth of assets. Jim participates in determining investment direction for the Snyder-Ervin Group.
 
Jim was named one of the Top 100 Financial Advisors in the United States by Barron’s magazine1 in 2004 and 2005. His many years of experience in the financial industry make his knowledge of financial markets invaluable to the team and clients.

Jim earned his bachelor of science degree with high honors in electrical engineering from the University of Maryland.  He was a systems engineer with IBM prior to joining Legg Mason in 1970.  Jim earned the CERTIFIED FINANCIAL PLANNER™ certification in 1979 and has over 50 years of industry experience.
 
Jim served on the executive committee of the Anne Arundel Estate Planning Council. He enjoys playing tennis and golf, boating on the Chesapeake Bay, watching University of Maryland sports and spending time with his grandchildren. You can find him playing with his grandchildren around Annapolis in his spare time, including helping kids zip line into the lake at his home.
 
He and his wife, Susie, have two adult sons and live in Annapolis, Maryland. 

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12004,2005 Barron’s Top 100 Financial Advisors (formerly referred to as Barron’s Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2004,2005). Data compiled by Barron’s based on 12-month period concluding in December of the year prior to the issuance of the award.
Securities Agent: NE, OH, VT, FL, HI, CT, VA, CA, LA, WA, NH, TX, WI, KY, PA, NY, CO, WV, DE, IA, UT, NJ, WY, SD, RI, OR, DC, OK, GA, IL, MS, MN, AL, SC, NV, ID, KS, MA, TN, AZ, ME, NC, MO, IN, MD, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282910
CA Insurance License #: 0C89966

About Thomas C Ervin

Tom Ervin works with clients, families, and businesses as their financial advisor customizing financial plans that reflect his clients’ goals and objectives. He evaluates their retirement plans, analyzes insurance coverage, provides college funding ideas, and assists with estate planning strategies.

In addition to individual wealth management, Tom focuses on 401(k) and other qualified retirement plans. He is responsible for plan design, meeting with plan trustees/sponsors, plan installation, participant education, investment oversight, and performance evaluations. Tom’s Corporate Retirement Director designation is held by less than two percent of Morgan Stanley advisors. He also holds the Chartered Retirement Plan SpecialistSM designation from The College for Financial Planning.

Tom Ervin was the first advisor to join Jim in 1992 to form the Snyder-Ervin Group. Before joining the Snyder-Ervin Group, Tom was a retirement plan administrator with an independent firm.

Tom graduated from the University of Delaware with a degree in finance. During his time in college, Tom played on the lacrosse team for four years.

A lifelong resident of Annapolis, he and his wife, Michelle, have four sons: Collin, Brady, Mason and Gavin. Tom volunteers his time at his Bay Ridge Community Association, where he was on the Board for four years and the Treasurer for two years, and his children’s school, St. Mary’s, where he was on the Board from 2000-2009 and President from 2007-2009. He enjoys coaching youth lacrosse, boating, water skiing and snow skiing.
Learn more about my specialty in Equity Compensation
Securities Agent: KS, MD, IA, NH, SC, OH, UT, WI, WY, WV, WA, VT, VA, TX, TN, SD, PA, OR, OK, NY, NV, NJ, NE, NC, MS, MO, MN, MI, ME, MA, LA, KY, IN, IL, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1282434
CA Insurance License #: 4067292

About Daniel R Snyder

Dan Snyder serves high net worth families and individuals to protect their assets and to identify appropriate opportunities for financial growth.

His clientele includes business owners, executives, doctors, entertainment industry specialists, military personnel, successful professionals approaching retirement and those in active retirement. Dan follows economic indicators -- such as trends in employment, interest rates, US and global earnings, etc., -- and adapts clients’ financial plans to help them achieve success in business, life, and leisure.
 
As a CERTIFIED FINANCIAL PLANNER (CFP®), Dan is obligated to put the interests of clients ahead of his own, at all times.

Dan started his career at Legg Mason in 1993 in the Mutual Funds Marketing Department at Legg Mason headquarters in Baltimore, Maryland.  He joined the Snyder-Ervin Group at the end of 1996 and has been an advisor for over 20 years. His credentials include the Morgan Stanley designation of Family Wealth Director, allowing him access to a variety of family advisory services including family governance and dynamics, philanthropic services and customized reporting to service ultra-high net worth families. 

He earned the Senior Investment Management Consultant designation, is a Registered Investment Advisor Representative, and holds a Managed Futures license. He became a Certified Investment Management Analyst® (CIMA®) after completing the Investment Management Consultants Association program at the Wharton School of Management, University of Pennsylvania.

Dan graduated from Bucknell University with dual majors in economics and political science. He was a member of the Bucknell lacrosse team for four years. A lifelong Maryland resident, he lives in Eastport Annapolis and enjoys boating and spending time with his family.
Securities Agent: WA, RI, WY, WV, WI, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282444
CA Insurance License #: 4067278

About Jonathan Steele

Jonathan Steele works closely with clients in developing their financial plans and advises clients on their asset allocation, portfolio management, annuities, long-term care and life insurance.2 He also focuses on selecting and monitoring investments for the team. He keeps our team abreast of any major changes to current managers, performance or objectives.

Jonathan joined the Snyder-Ervin Group at Morgan Stanley in 2008 after graduating from the University of Maryland Graduate Business School earning an MBA with a concentration in finance. He obtained his CERTIFIED FINANCIAL PLANNER™ certification in 2012.

His work experience includes developing software for high net worth clients at UBS Financial Services, supporting traders on their equity and derivatives desk at JP Morgan, and providing financial research at Friedman, Billings and Ramsey.

His background in computer software is an invaluable asset to the Snyder-Ervin Group.

A graduate of Lehigh University, Jonathan majored in computer engineering. He was a member of the Lehigh lacrosse team for four years. Jonathan previously served on the board of trustees at Indian Creek and remains actively involved.

Jonathan and his wife, Kelly, live in Annapolis with their daughter, Emily, and son, Charlie. They are proud supporters of Severn School, where their children attend. Outside of the office, Jonathan enjoys playing golf and tennis.
Learn more about my specialty in Equity Compensation
Securities Agent: RI, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282590
CA Insurance License #: 4067291

About Lisa Kittner

Lisa Kittner joined the Snyder Ervin Group in July 2020. She is an accomplished twenty-six year industry veteran and has dedicated her entire investment career to guide individuals, mostly women and families, to meet and often surpass their financial goals. Lisa delivers objective, highly focused, expert advice, and comprehensive tools and services to protect and cultivate family wealth. She has a passion for seeing women thrive, achieve financial independence, and embrace and integrate life goals to build lives of meaning and significance.

Lisa began as a financial advisor with Morgan Stanley’s predecessor firm in 1994 in Alexandria, Virginia. After achieving Director’s Club recognition in 2002, she was promoted to sales management positions in Washington, DC, while serving her clients. Lisa went on to lead as branch manager of the Lancaster, Pennsylvania office in 2006, remaining there until 2011, when she became the branch manager in Annapolis, Maryland.
 
Snyder-Ervin Group recognized her leadership acumen, rich investment experience, and deep firm connectivity and enlisted Lisa as the group’s director in 2020. Lisa directs team efforts and brings the full firm to the Snyder-Ervin Group’s clientele.

Lisa’s passion for guiding clients to achieve their goals is equaled by her commitment to her family, and her dedication to the community, which she expresses by participating and supporting various educational and philanthropic activities. Lisa’s interest in care for others is evident by her charter involvement in the WDC/Annapolis Complex Diversity and Inclusion Council. She currently serves as Co-Chair of the Council. Lisa is also a member of the Executive Committee for Anne Arundel Estate Planning Council. AAEPC provides a forum for tax, legal, insurance, and financial professionals to exchange ideas and build and extend relationships throughout the community. Embracing a long-held tradition in Annapolis, she has sponsored several US Naval Academy Midshipmen—generously providing them with a “home away from home.”
 
Lisa resides in the Murray Hill neighborhood in Annapolis, Maryland. She is originally from Beaver Falls, Pennsylvania. During her free time, Lisa enjoys running, working out, cooking, and reading.
 
She holds degrees from The Pennsylvania State University and Geneva College.
Securities Agent: WA, WY, WV, RI, WI, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1949118
CA Insurance License #: 0E46428

About Chad Houser

Chad Houser, CFA® became a team member of the Snyder Ervin Group in March of 2023.

Chad joined Morgan Stanley in 2014 where he earned his Chartered Financial Analyst designation and is currently a Vice President, Senior Institutional Consultant. Chad advises corporate retirement plans, multi-employer plans, institutional cash reserve accounts and private wealth clients while providing comprehensive financial and retirement planning services.

He graduated from Villanova University in 2007 with a Bachelor’s of Science degree. While at Villanova, Chad was a Division 1 athlete with a Finance major and an International Business minor. His professional career began  in New York City where he earned a partner position at NYAM LLC trading options in the open-outcry pits of the New York Board of Trade.
Learn more about my specialty in Equity Compensation
Securities Agent: MA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, RI, LA, WY, WV, WI, WA, VT, VA, UT, TX, TN, SD, SC, PA, OR, OK, OH, NY, NV, NJ, NH, NE, NC, MS, MO, MN, MI, ME, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1861863
CA Insurance License #: 4271654

About Katie Eckenrode

Katie Eckenrode began her career at Legg Mason in 2003 as an Operations Associate and joined the Snyder-Ervin Group in 2006. With 20 years of financial services experience, Katie provides superior customer service with quick and accurate results. Katie assists our team and its clients with many projects and complex situations as well as day-to-day client operational needs. Katie is a Notary Public for the Annapolis branch.

Katie enjoys volunteering for her church, especially in the children’s ministry. When she’s not busy organizing VBS or Christmas plays she can be found cheering from the sidelines of her daughter's travel softball and volleyball teams where she volunteers as team manager. A Prince George’s County native now living in Calvert County, Katie enjoys exploring the family’s new home. Katie lives in Huntingtown, Maryland with her husband, Mark, and daughters Isabel, Charlotte and Olivia.

About Brandon M. Kerrigan

Brandon Kerrigan has served as a registered client service associate for Morgan Stanley since the summer of 2021. In addition to providing clients with customer service, he also assists Tom Ervin and Chad Houser with corporate retirement plan enrollment meetings, fiduciary reviews, plan maintenance and any client-facing administration.

He grew up in the small quiet town of Saint Michaels, Maryland.. Having attended West Virginia University for 2 years, he left for medical reasons and to pursue other opportunities. He received a heart transplant after spending 135 days in the hospital and his real-life experience and positive outlook on life allows him to connect with clients in a personal way. He realizes the importance of preparing for the future and loves helping clients do the same. Post-transplant, Brandon has set out to build a resume that inspires others to live each moment like it’s their last. He has biked across the country raising awareness for organ donation, competes in the US and world transplant Olympics as a swimmer, and jumps at every public speaking opportunity thrown at him. He is an avid outdoorsman and even competed on the archery team while attending WVU.

About Chase Webbert

Chase Webbert provides administrative and client service support and helps with client review preparation. He assists the Financial Advisors with marketing, special events and sponsorships. Chase joined the Snyder-Ervin Group in October of 2024.

Chase grew up in Reisterstown, Maryland. He attended Xavier University, Penn State University, and Wright State University from 2019-2023. He played on the Men's Soccer Teams at Xavier and Wright State. Ultimately, he graduated from Wright State University in December of 2023. In his free time, Chase enjoys playing golf, hiking, and hanging out with his friends. He currently resides in Parole, Maryland.
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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.

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2Morgan 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.

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3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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4When 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.

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5When 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.

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6Morgan 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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7Morgan 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.

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8Morgan 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.

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9Morgan 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.

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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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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11Morgan 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.

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12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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15Morgan 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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16Investors 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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17Alternative 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.

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18Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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19Investors 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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20Municipal 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.

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21An 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.

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22Morgan 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

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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:
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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.

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.

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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)