Phone:
(205) 969-7079(205) 969-7079
The Spring Group at Morgan Stanley
Direct:
(205) 968-6921(205) 968-6921
Toll-Free:
(800) 223-3758(800) 223-3758
Our Mission Statement
Our team helps families navigate the difficulty of planning for retirement, generating income in retirement and transferring wealth. We do this through a thoughtful process of getting to know you, creating a customized plan and monitoring the risk to reach your goals
About Us
Our commitment to you starts with each member treating you as an individual. The Spring Group at Morgan Stanley offers you a wide range of skills and a variety of disciplines and talents. We pride ourselves on the comprehensive services we offer, backed by the global resources of Morgan Stanley.
As your financial life becomes more complicated, having a customized strategy that maps out a clear path to your personal and financial goals can help simplify both your investment decisions and your life. Comprehensive wealth management goes far beyond managing an investment portfolio. It also involves mutual respect, empathy, careful listening and detailed insights into who you are and what you hope to accomplish with your wealth.
Charting a clear, confident course to financial security begins with understanding your values, priorities, and aspirations, all in the context of your full financial picture. Our personalized approach and disciplined consultation process centers around you and your family - where you are today and where you envision yourself in the future. We work together with you to define what is most important to you and then develop the strategies that are appropriate for your unique needs, whether you are accumulating wealth, seeking to manage risk, planning for retirement or creating your legacy.
By choosing The Spring Group, you’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
As your financial life becomes more complicated, having a customized strategy that maps out a clear path to your personal and financial goals can help simplify both your investment decisions and your life. Comprehensive wealth management goes far beyond managing an investment portfolio. It also involves mutual respect, empathy, careful listening and detailed insights into who you are and what you hope to accomplish with your wealth.
Charting a clear, confident course to financial security begins with understanding your values, priorities, and aspirations, all in the context of your full financial picture. Our personalized approach and disciplined consultation process centers around you and your family - where you are today and where you envision yourself in the future. We work together with you to define what is most important to you and then develop the strategies that are appropriate for your unique needs, whether you are accumulating wealth, seeking to manage risk, planning for retirement or creating your legacy.
By choosing The Spring Group, you’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Four-Step Process:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. For us, service means much more than providing sound investment advice and strategic guidance. We value our clients as part of our close-knit financial family, and we are proud to serve our clients as a resource, a sounding board or even a sympathetic ear. Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinator and connector for all your wealth planning needs. In our experience working with clients, we have developed a step-by-step approach to service:
1. Discovery Process
We take the time to fully understand you and your family. Whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
2. Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
3. Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to help ensure swift decisive action in all market scenarios.
4. Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Personalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Professional Portfolio Management
Business Succession Planning
Alternative Investments
401(k) Rollovers
Institutional Services
Retirement Planning
Cash Management + Lending Solutions
Morgan 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.
Insurance Solutions
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Asset Organization
Charitable Giving
Socially-Responsible Investing
The 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.
Growing Older
Managing Risk
Financial Planning
Designations and Awards
The Spring Group at Morgan Stanley in Alabama has recieved multiple awards over the years including:
- 2023 & 2024 Forbes Best-In-State Wealth Management Teams
- Forbes Best-In-State Wealth Advisor (2021-2024)
- Morgan Stanley Wealth Management Pacesetter's Club (2021-2023)
In addition, we hold designations to best serve our clients including:
- Senior Investment Management Consultant
- Family Wealth Advisor
- Financial Planning Specialist
- Qualified Plan Financial Consultant
- Corporate Retirement Director
- Certified Private Wealth Advisor® (CPWA®)
- Certified Exit Planning Advisor® (CEPA®)
We pride ourselves on these achievements as we are able to use our experience and knowledge to help our clients take charge of their financial future and achieve their goals.
- Estate planning strategies and wealth transfer considerations
- Engaging the next generation in taking ownership of their finances
- Defining and achieving philanthropic goals that align with family values
- Having meaningful conversations about money with children and parents Jeff English holds this designation.
2023 & 2024 Best-In-State Wealth Management Teams
The Forbes/SHOOK Best-In-State Wealth Management Teams list features groups of experienced wealth managers who have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams. The Spring Group is proud to have been selected in 2023 & 2024.
2023 & 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 & 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisor
For 2021-2024, Jeff was named by Forbes as a Best-In-State Wealth Advisor. Forbes' Best-in-State Wealth Advisors list comprises a select group of individuals who have a minimum of seven years of industry experience. The ranking, developed by Forbes' partner SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors and weighing factors like revenue trends, AUM, compliance records, industry experience and best practices learned through telephone and in-person interviews.
2021, 2022, 2023, & 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2023, & 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Morgan Stanley Wealth Mangement Pacesetter's
Sarah Smith has been recognized as a member of the Morgan Stanley Wealth management Pacesetters club in 2021, 2022, and 2023. The Pacesetters Club is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Senior Investment Management Consultant
The Senior Investment Management Consultant recognizes FAs who provide investment consulting services to a variety of clients.
Jeff English holds this designation.
Corporate Retirement Director
Of Morgan Stanley's more than 16,000 Financial Advisors, Sarah Smith is among the 2% that have qualified for the prestigious designation of Corporate Retirement Director. The CRD designation recognizes Financial Advisors who have dedicated their practice to helping corporate clients manage all aspects of their retirement plans.
Sarah Smith holds this designation.
Financial Planning Specialist
The Financial Planning Specialist is a Morgan Stanley designation where advisors participate in an interactive e-learning program designed to help build meaningful, multi-generational relationships with clients and their entire families, especially spouses, children and aging parents.
Sarah Smith holds this designation.
Qualified Plan Financial Consultant (QPFC)
The Qualified Plan Financial Consultant designation requires Morgan Stanley financial advisors to undergoe a bootcamp that covers four key areas: Fiduciary roles and responsibilities, Fiduciary oversight, Plan investment management, and Plan management.
Sarah Smith holds this designation.
Family Wealth Advisor
In attaining the FWA designation, Jeff English has completed Morgan Stanley's Institute of Family Wealth Management, an accreditation program focused on the skills needed to deliver comprehensive, family-centric wealth management, including:
Certified Private Wealth Advisor® (CPWA®)
The Certified Private Wealth Advisor® (CPWA®) is an advanced professional certification for advisors who serve high-net-worth clients. It's designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. The CPWA® program takes a holistic and multidisciplinary approach that includes a deep dive into sophisticated wealth strategies, estate planning, wealth transfer, behavioral finance, family dynamics, tax management, and legacy planning.
Sarah holds this designation.
Certified Exit Planning Advisor® (CEPA®)
The CEPA® program is specifically designed for financial advisors who work closely with owners of privately held companies. CEPAs help identify, protect, build, harvest and manage wealth to assist business owners and their families through an exit transition.
Jeff and Sarah hold this designation.
Valuable Resources:
We have included resources meant to transform complex financial analysis and research into concise and easily digestible content.
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here for the Most Recent “On the Markets” Report
Morgan Stanley Research
Through timely, in-depth analysis of companies, industries, markets and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Click Here to Learn More
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Click Here to listen to the Latest Episode
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
The Morgan Stanley Minute
Explore insights on today’s most important investment topics, including green bonds, active management, cybercrime and monetizing small business.
Click here to view
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online TodayLocation
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35243
US
Direct:
(205) 968-6921(205) 968-6921
Toll-Free:
(800) 223-3758(800) 223-3758
7530 Parker Road
Fairhope, AL 36532
US
300 Market St NE
Suite 101
Decatur, AL 35601
US
Direct:
(256) 552-9441(256) 552-9441
305 Church St SW
Suite 720
Huntsville, AL 35801
US
Direct:
(256) 552-9441(256) 552-9441
Meet The Spring Group
First Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Manager, Corporate Retirement Director, Qualified Plan Financial Consultant, Certified Exit Planning Advisor™ (CEPA)
Phone:
(256) 552-9441(256) 552-9441
Carter Hancock
Registered Client Service Associate
Phone:
(205) 968-6921(205) 968-6921
Kristen C. Hall
Registered Client Service Associate
Phone:
(251) 990-2947(251) 990-2947
About Jeffrey A English
Jeff English, a Financial Advisor and Senior Vice President at Morgan Stanley, works diligently to assess his clients’ goals, investment risk and building plans customized to their unique requirements. His hands-on approach emphasizes face-to-face meetings and helping clients understand the strategy behind his investment management process.
From 2021-2024, Jeff has been named by Forbes as a Best-In-State Wealth Advisor. Forbes’ Best-in-State Wealth Advisors list comprises a select group of individuals who have a minimum of seven years of industry experience. The ranking, developed by Forbes’ partner SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors and weighing factors like revenue trends, AUM, compliance records, industry experience and best practices learned through telephone and in-person interviews.
For Jeff, retirement planning means more than providing his clients with investment advice-it means helping them seek to maintain the financial independence they’ve worked their whole lives to achieve.
His consultative process begins with an in-depth discussion of clients’ current finances and future objectives. He addresses issues clients might have overlooked and determines how he can help them adjust their investment strategy to accommodate changing conditions and navigate any unforeseen expenses and income demands that may arise during retirement.
Jeff, a graduate of the University of Kentucky, he began his investment career in 1994 with Hilliard Lyons in Louisville. Jeff has worked at Morgan Stanley (formerly Smith Barney) since 2000 and has attained the firms’ Senior Investment Management Consultant designation. He is a 2023 Century Club member.
Jeff is active in his community and faith. He formerly was a Deacon at First Baptist Church of Tuscaloosa and teaches the Authentic Living Sunday School Class. Jeff served on the steering committee for Young Life Tuscaloosa. He was formerly an Elder at Adventure Christian Church in Louisville and was a board member for Kentuckiana Fellowship of Christian Athletes. He and his wife of 30 years, Beth, have three grown children Ally, Jack and Hannah.
Securities Agent: VA, NJ, MA, WA, KY, NC, MO, PA, SC, TX, TN, AZ, CO, CA, GA, HI, FL, IL, IN, NY, MS, MI, MD, LA, ID, CT, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1470296
2021-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
From 2021-2024, Jeff has been named by Forbes as a Best-In-State Wealth Advisor. Forbes’ Best-in-State Wealth Advisors list comprises a select group of individuals who have a minimum of seven years of industry experience. The ranking, developed by Forbes’ partner SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors and weighing factors like revenue trends, AUM, compliance records, industry experience and best practices learned through telephone and in-person interviews.
For Jeff, retirement planning means more than providing his clients with investment advice-it means helping them seek to maintain the financial independence they’ve worked their whole lives to achieve.
His consultative process begins with an in-depth discussion of clients’ current finances and future objectives. He addresses issues clients might have overlooked and determines how he can help them adjust their investment strategy to accommodate changing conditions and navigate any unforeseen expenses and income demands that may arise during retirement.
Jeff, a graduate of the University of Kentucky, he began his investment career in 1994 with Hilliard Lyons in Louisville. Jeff has worked at Morgan Stanley (formerly Smith Barney) since 2000 and has attained the firms’ Senior Investment Management Consultant designation. He is a 2023 Century Club member.
Jeff is active in his community and faith. He formerly was a Deacon at First Baptist Church of Tuscaloosa and teaches the Authentic Living Sunday School Class. Jeff served on the steering committee for Young Life Tuscaloosa. He was formerly an Elder at Adventure Christian Church in Louisville and was a board member for Kentuckiana Fellowship of Christian Athletes. He and his wife of 30 years, Beth, have three grown children Ally, Jack and Hannah.
Securities Agent: VA, NJ, MA, WA, KY, NC, MO, PA, SC, TX, TN, AZ, CO, CA, GA, HI, FL, IL, IN, NY, MS, MI, MD, LA, ID, CT, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1470296
2021-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: OH, CT, KY, NJ, WA, SC, MI, WY, WV, WI, VA, TX, TN, PA, NY, NM, NC, MS, MO, MD, MA, LA, IN, IL, ID, HI, GA, FL, DE, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1470296
NMLS#: 1470296
About Sarah K. Smith
Sarah prides herself on providing the highest level of service possible to her clients. With an emphasis on planning, Sarah helps families and individuals create strategies that anticipate and address life’s transitions, whether it’s gaining or losing a partner, providing for a child or ailing family member, or starting or ending a successful career. She has a particular skill for finding the most effective and efficient route toward the achievement of a set of goals.
Sarah graduated from the University of Alabama in Huntsville with a Master of Accountancy and a B.A. in Accounting. She joined Morgan Stanley in 2016 with the desire to build relationships with people and a commitment to help successful professionals and families achieve financial independence. Sarah has been named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Decatur, Alabama in the Tennessee Valley is her hometown, but she now lives in Huntsville, AL. Sarah enjoys golfing with friends, traveling to new places, skeet shooting, spending time with her little nephew and being involved in her community. She is very active both in the Huntsville and Decatur Community. She was chosen to be part of Huntsville Committee of 100 Young Professionals and Leadership Greater Huntsville, Connect Class 25. She serves on the board of Burritt on the Mountain, Decatur Youth Symphony, United Way of Morgan County and National Defense and Industrial Association. She has a big heart for service and people.
Sarah graduated from the University of Alabama in Huntsville with a Master of Accountancy and a B.A. in Accounting. She joined Morgan Stanley in 2016 with the desire to build relationships with people and a commitment to help successful professionals and families achieve financial independence. Sarah has been named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Decatur, Alabama in the Tennessee Valley is her hometown, but she now lives in Huntsville, AL. Sarah enjoys golfing with friends, traveling to new places, skeet shooting, spending time with her little nephew and being involved in her community. She is very active both in the Huntsville and Decatur Community. She was chosen to be part of Huntsville Committee of 100 Young Professionals and Leadership Greater Huntsville, Connect Class 25. She serves on the board of Burritt on the Mountain, Decatur Youth Symphony, United Way of Morgan County and National Defense and Industrial Association. She has a big heart for service and people.
Securities Agent: NJ, AR, WV, VA, WY, SD, SC, LA, IN, AL, WI, WA, NC, MA, KY, CA, CT, PA, OH, NV, DC, TN, KS, OK, AZ, MD, DE, CO, MI, HI, FL, TX, NY, IL, GA, NM, MS, MO, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1573339
NMLS#: 1573339
Contact Jeffrey A English
Contact Sarah K. Smith
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
Whitney Syme
Associate Private Banker
Sam Gaitan
Planning Associate
About Whitney Syme
Whitney Syme is an Associate Private Banker serving Morgan Stanley
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
NMLS#: 2277780
About Sam Gaitan
Sam Gaitan is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Sam provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Sam is originally from Forest Hills, Queens New York and currently resides in Queens, New York.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Sam is originally from Forest Hills, Queens New York and currently resides in Queens, New York.
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
From Our Team
The Spring Group Newsletter Volume 1
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
Article Image
Ready to start a conversation? Contact The Spring Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Alternative 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.
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 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.
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.
8When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Alternative 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.
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 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.
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.
8When 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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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
