Michael E Stanfield
Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(910) 481-8560(910) 481-8560
The Stanfield McCarthy Group at Morgan Stanley
Fayetteville:
(910) 481-8570(910) 481-8570
Toll-Free:
(800) 283-6181(800) 283-6181
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
About Us
Morgan Stanley serves many of the world’s most sophisticated investors, and our firm is one of the nation’s leading firms to help clients with their personal wealth. As your Financial Advisors, we have experience with the unique challenges, styles and strategies that distinguish wealthy investors. We will work with you to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The CFP® Professional
Individuals certified by the CFP® board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. The Stanfield McCarthy Group's diverse skillsets can help clients navigate the complicated financial factors in their life. See below for more information about the CFP® designation and how we can help:
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits, retirement planning, estate planning, Investment management and insurance.
Experience
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professionals is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board's Code of Ethics. The Rules of conduct require the CFP® professional to put their client's interest first above all else.
The Stanfield McCarthy Group Standard Level of Client CareClient Service Model
The Stanfield McCarthy Group Standard level of Client Care
In a world of automation and declining personal interaction, our years of experience have taught us an irreplaceable wealth of knowledge. Throughout various market cycles and the life stages of clients, we’ve determined how critical a standard level of care is when it comes to the services we provide.
Our Clients are entitled to a Financial Plan
We believe in having clear goals for your retirement, education, and current financial needs for the accumulation and distribution phases of our clients’ lives. These cornerstones are what directs your investments.
We will not invest in anything without merit: ASSET MANAGEMENT
We believe in a proactive disciplined approach to investing. This approach is coupled with the overall goals for your financial lifestyle in order to do all we can to help make your hard earned assets work as effectively as possible in an effort to get you the desired outcomes you lay out.
We will provide regular communications
Communication allows for our trust to develop. We believe that trust is an important factor in our relationship. We will communicate on a quarterly basis as well as with changes in your financial lifestyle.
LENDING & CASH MANAGEMENT solutions are part of the plan…
We offer lending and cash management solutions to help provide liquidity as needed.
RETIREMENT BENEFITS/INCOME
We believe in reviewing Social Security benefit statements together as a piece of your overall financial plan.
We can assist with PLANNING FOR YOUR LEGACY
Knowing your intentions for your wealth allows us to build a plan that can help accomplish your legacy as efficiently as possible.
Details on each of the standards are listed in the document below:
The Stanfield McCarthy Group Standard Level of Client CareOur Process
We aim to provide a holistic wealth management process accounting for all aspects of your personal or professional life. Whether it is to help grow, preserve, or distribute your wealth, you can count on us to provide a comprehensive wealth management strategy.
1. Introduction
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we agree to move forward, we will schedule our next meeting and request all important financial information.
2. Discovery
We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. We review the documents you prepared and begin to define a plan that can align with your short and long term goals.
3. Analysis and Plan Development
Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow and preserve your wealth. This serves as the foundation for building your initial plan, as well as future plan .
4. Plan Presentation
In this step, we present your financial plan that includes an investment portfolio that can align your investments with your goals, timeframe, and risk level. We also discuss all factors that may contribute to your future success.
5. Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlines in the plan. Once assets have been transferred to Morgan Stanley and realigned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resourses available to you.
6. Continued Service and Care
Committed to premium level of service, we focus on developing a relationship that provides special value to you and your family. As we begin to implement your strategy, we continue to pay very close attention being very mindful to remain aligned with your financial objectives.
Research and Insights
We want to provide you with the most recent, timely, and important information so you can feel informed and educated during these difficult times. We will be periodically update these links in order to keep the most important information top of mind.
2024 Tax Tables
Get the latest information, dates, and important notes for your upcoming taxes.
Learn More
5.00% Annual Percentage Yield Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash† offer with flexible options and more ways to save. There are two ways you may participate, either 1) bring new cash deposits from external sources or 2) use proceeds from the sale, income or distribution from securities in your eligible Morgan Stanley brokerage accounts.
Learn More
Enhanced Tax Management Services
Reducing the current tax liabilities on your investments can help enhance your overall returns. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax-efficient portfolio management to help meet your unique financial goals.
Learn More
What Should I Do With My Money
Listen to our newest podcasts where Morgan Stanley Financial Advisors answer real questions, from real people, about the most important aspects of client lives. We aim to give insight to the most common questions among our clients.
Listen HereLocation
1990 Fordham Drive
Ste 200
Fayetteville, NC 28304
US
Direct:
(910) 481-8570(910) 481-8570
Toll-Free:
(800) 283-6181(800) 283-6181
Meet The Stanfield McCarthy Group
Kristin K McCarthy, CFP®, CPWA®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(910) 481-8590(910) 481-8590
Kalele McEachin
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(910) 481-8588(910) 481-8588
About Michael E Stanfield
Michael's 30 years of experience as an advisor has allowed him to work with clients throughout all phases of life, guiding them through their personal and professional goals. Whether it is family planning, retirement transition, or the unfortunate passing of loved ones, Michael's tenure allows him to navigate these scenarios with confidence and expertise.
For over 23 years, Mike has been part of a team that shares his same vision for clients: to create a holistic wealth management experience. As a Portfolio Management Director, Mike has been able to take advantage of market opportunities in order to help achieve client goals with a disciplined approach. He believes in working hard to solve both personal and professional issues for his clients, and takes pride in seeing his client achieve their goals.
As the oldest standing advisor on the team, Mike's experience in previously volatile market conditions helps him keep a steadfast focus on achieving the goals of his clients, understanding that 'You Can't Control the Wind but You Can Adjust the Sails'.
When not in the office, Mike spends time with his wife of 46 years, often seeing his two children and five grandchildren. Within his community, he is deeply involved in efforts for those less fortunate, trying to give back what his community has given him.
For over 23 years, Mike has been part of a team that shares his same vision for clients: to create a holistic wealth management experience. As a Portfolio Management Director, Mike has been able to take advantage of market opportunities in order to help achieve client goals with a disciplined approach. He believes in working hard to solve both personal and professional issues for his clients, and takes pride in seeing his client achieve their goals.
As the oldest standing advisor on the team, Mike's experience in previously volatile market conditions helps him keep a steadfast focus on achieving the goals of his clients, understanding that 'You Can't Control the Wind but You Can Adjust the Sails'.
When not in the office, Mike spends time with his wife of 46 years, often seeing his two children and five grandchildren. Within his community, he is deeply involved in efforts for those less fortunate, trying to give back what his community has given him.
Securities Agent: MI, ID, OK, MA, CA, VA, MO, CO, WA, KY, FL, DC, GA, PA, NM, AK, OH, MD, AL, TN, OR, TX, SC, NC, LA, KS, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1380680
NMLS#: 1380680
About Kristin K McCarthy
With over 25 years of experience as a Financial Advisor, Kristin has gained a complete understanding on how to help clients achieve their most important goals. She places an emphasis on a holistic understanding of a client in order to provide a comprehensive financial plan.
As a result of an ever changing financial landscape, Kristin has placed value in continued education in order to gain insights and skills to help her clients. In 2012, Kristin earned the CFP® (Certified Financial Planner) designation, as well as her CPWA® (Certified Private Wealth Advisor) designation from the Yale School of Management a few years later. She also holds her Series 7, 63, 65, 66, as well as Life Insurance and Long term Care certifications.
It is this dedication that allows Kristin to effectively service her clients. She understands that the market, as well as your portfolios, are not stagnant datapoints, but rather evolving over time. She makes it a priority to help make you feel confident in your short and long term financial objectives.
When not at work, you may find Kristin with her husband and two children in Fayetteville, North Carolina. Whether it is making music with her daughter, or watching her husband and son play soccer, Kristin places value in family. In her free time, she is very involved with her local church, working with the next generation of middle and high school students.
As a result of an ever changing financial landscape, Kristin has placed value in continued education in order to gain insights and skills to help her clients. In 2012, Kristin earned the CFP® (Certified Financial Planner) designation, as well as her CPWA® (Certified Private Wealth Advisor) designation from the Yale School of Management a few years later. She also holds her Series 7, 63, 65, 66, as well as Life Insurance and Long term Care certifications.
It is this dedication that allows Kristin to effectively service her clients. She understands that the market, as well as your portfolios, are not stagnant datapoints, but rather evolving over time. She makes it a priority to help make you feel confident in your short and long term financial objectives.
When not at work, you may find Kristin with her husband and two children in Fayetteville, North Carolina. Whether it is making music with her daughter, or watching her husband and son play soccer, Kristin places value in family. In her free time, she is very involved with her local church, working with the next generation of middle and high school students.
Securities Agent: AK, WA, VA, CA, TN, OR, OH, ID, SC, OK, NY, NC, KY, DC, MI, LA, AL, FL, CO, TX, MA, IA, GA, PA, MD, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1380606
NMLS#: 1380606
About Kalele McEachin
With 25 years of service in the Financial Service Industry, Kalele has worked tirelessly to help her clients grow and preserve their wealth. She is proud to be part of a team that shares the same vision.
In 1999, Kalele graduated from Fayetteville State University on a full scholarship with a degree in Business Administration and Economics. After joining the firm directly out of college, Kalele exceled in multiple areas of the firm including operations and business administration. The skills she developed during her early career fostered a smooth transition to becoming a Financial Advisor in 2012.
Since becoming a Financial Advisor, Kalele has placed an emphasis on multigenerational planning. Her goal is to give families comfort in knowing that their short and long term goals are within reach. In order to support her clients, Kalele obtained Morgan Stanley's Financial Planning Specialist designation in 2002. Since that point, she aims to provide her clients with a holistic view of their personal of professional goals.
Outside of work, Kalele works on a number of financial literacy initiatives with youth throughout her community. She also supports the local homeless programs and participates in her church's local missions. Her commitment to the community is a testament to giving back to where she was raised.
Kalele is married to her high school sweetheart and they reside in North Carolina with their two teenagers and two golden doodles.
In 1999, Kalele graduated from Fayetteville State University on a full scholarship with a degree in Business Administration and Economics. After joining the firm directly out of college, Kalele exceled in multiple areas of the firm including operations and business administration. The skills she developed during her early career fostered a smooth transition to becoming a Financial Advisor in 2012.
Since becoming a Financial Advisor, Kalele has placed an emphasis on multigenerational planning. Her goal is to give families comfort in knowing that their short and long term goals are within reach. In order to support her clients, Kalele obtained Morgan Stanley's Financial Planning Specialist designation in 2002. Since that point, she aims to provide her clients with a holistic view of their personal of professional goals.
Outside of work, Kalele works on a number of financial literacy initiatives with youth throughout her community. She also supports the local homeless programs and participates in her church's local missions. Her commitment to the community is a testament to giving back to where she was raised.
Kalele is married to her high school sweetheart and they reside in North Carolina with their two teenagers and two golden doodles.
Securities Agent: SC, AL, MI, ID, TN, OK, CO, MO, MD, LA, IL, DC, AK, OR, NY, AZ, WA, CA, GA, FL, NC, TX, PA, MA, KY, VA, OH, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1380666
NMLS#: 1380666
Contact Michael E Stanfield
Contact Kristin K McCarthy
Contact Kalele McEachin
Wealth Management
Global Investment Office
Portfolio Insights
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
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
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Are You Prepared for Tax Day?
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Stanfield McCarthy Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2Morgan 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.
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.
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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Municipal 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2Morgan 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.
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.
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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Municipal 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.
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.
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
CRC 6491812 (04/2024)
