First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(513) 762-5223(513) 762-5223
The Stanley Edwards Group at Morgan Stanley
Direct:
(513) 762-5223(513) 762-5223
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
Our Story and Services:
Retirement planning means more than providing you with investment advice. It means helping you maintain the financial independence you’ve worked your entire life to achieve. It means striving to ensure you have the means to pursue what's most important to you. And it means understanding you as an individual with unique goals, values and circumstances that shape the strategies we develop on your behalf.
A Purpose for Every Stage:
We designate a specific financial purpose for different stages of your life. When you’re working, it’s important for you to be able to concentrate on what makes you productive, while still spending time with your family and the activities you’re passionate about. During this stage, our purpose is to focus on savings and debt management seeking to ensure you’re financially prepared for retirement.
Once your reach the retirement stage, our purpose is to help ensure you don’t outlive your assets. So, we’ll assist you with important considerations such as balancing income, risk and preservation. We have a well-established process in place for this stage that includes continual asset monitoring, purposeful investing and ongoing communications with you.
Lastly, we’ll focus on your legacy. We’ll develop and implement a seamless plan to take care of those individuals or causes that matter most to you.
Holistic Planning:
We believe it’s essential to provide comprehensive planning and financial services to our clients. We offer advice on both sides of your balance sheet, investing and lending. We also embrace your banking needs, including cash management. All of this is important because thoughtful budgeting and planning can lead to better financial outcomes, as well as less stress in your life.
By combining our professional advice with the services provided by one of the nation’s premier wealth management organizations, we help ensure that all components of your financial life work together in harmony for you.
Commitment to You:
Our clients’ success is the true barometer for our practice. We never forget that we serve you, and recognize that ultimately you’re in charge. So, we strive to provide a concierge experience that’s built around your needs, lifestyle and priorities.
Additionally, the founding members of our team each have at least 15 years of experience in financial services. We’ve successfully navigated clients through challenging markets and macro events. And since we began our financial careers directly out of college, we’re still young enough to guide you through your retirement.
Retirement planning means more than providing you with investment advice. It means helping you maintain the financial independence you’ve worked your entire life to achieve. It means striving to ensure you have the means to pursue what's most important to you. And it means understanding you as an individual with unique goals, values and circumstances that shape the strategies we develop on your behalf.
A Purpose for Every Stage:
We designate a specific financial purpose for different stages of your life. When you’re working, it’s important for you to be able to concentrate on what makes you productive, while still spending time with your family and the activities you’re passionate about. During this stage, our purpose is to focus on savings and debt management seeking to ensure you’re financially prepared for retirement.
Once your reach the retirement stage, our purpose is to help ensure you don’t outlive your assets. So, we’ll assist you with important considerations such as balancing income, risk and preservation. We have a well-established process in place for this stage that includes continual asset monitoring, purposeful investing and ongoing communications with you.
Lastly, we’ll focus on your legacy. We’ll develop and implement a seamless plan to take care of those individuals or causes that matter most to you.
Holistic Planning:
We believe it’s essential to provide comprehensive planning and financial services to our clients. We offer advice on both sides of your balance sheet, investing and lending. We also embrace your banking needs, including cash management. All of this is important because thoughtful budgeting and planning can lead to better financial outcomes, as well as less stress in your life.
By combining our professional advice with the services provided by one of the nation’s premier wealth management organizations, we help ensure that all components of your financial life work together in harmony for you.
Commitment to You:
Our clients’ success is the true barometer for our practice. We never forget that we serve you, and recognize that ultimately you’re in charge. So, we strive to provide a concierge experience that’s built around your needs, lifestyle and priorities.
Additionally, the founding members of our team each have at least 15 years of experience in financial services. We’ve successfully navigated clients through challenging markets and macro events. And since we began our financial careers directly out of college, we’re still young enough to guide you through your retirement.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
While we have the experience necessary to advise clients at any stage of their lives, we frequently work with those who are nearing retirement or already retired. This includes individuals from a broad range of backgrounds, such as corporate executives, business owners, entrepreneurs, attorneys, venture capital investors, real estate developers, teachers, firefighters and police officers.
The single most common characteristic our clients share? It’s that they’ve done a good job of saving for their retirement and take this matter seriously.
The single most common characteristic our clients share? It’s that they’ve done a good job of saving for their retirement and take this matter seriously.
Our Philosophy
All aspects of your financial life should work in harmony toward a single objective.
We use a thoughtful, team-based approach in an effort to help ensure your assets and liabilities help maximize your family’s long-term net worth, while helping meet your current income needs. Over time, fractions of a percentage can mean large sums of money when compounded. We can manage both your assets and your debts efficiently. When you effectively combine a strategy for both assets and liabilities with tax-advantaged ideas, you have a recipe for potential success.
We invest with a strong emphasis on cash flow into your portfolio. Our goal is to keep the dividend and interest income from your portfolio meaningfully higher than the average dividend of the stock market. This allows the dividend and interest generated within the portfolio to cover most of your income needs while in retirement, allowing for the principal to continue to grow over time.
For individuals who aren’t retired and still in the accumulation phase, this fresh influx of capital into your portfolio can be used in all types of markets to purchase additional shares of high-quality companies.
This approach is important because it’s more predictable than relying only on growth. Additionally, you can generate growth on top of the dividends.
Disclaimer:
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
We use a thoughtful, team-based approach in an effort to help ensure your assets and liabilities help maximize your family’s long-term net worth, while helping meet your current income needs. Over time, fractions of a percentage can mean large sums of money when compounded. We can manage both your assets and your debts efficiently. When you effectively combine a strategy for both assets and liabilities with tax-advantaged ideas, you have a recipe for potential success.
We invest with a strong emphasis on cash flow into your portfolio. Our goal is to keep the dividend and interest income from your portfolio meaningfully higher than the average dividend of the stock market. This allows the dividend and interest generated within the portfolio to cover most of your income needs while in retirement, allowing for the principal to continue to grow over time.
For individuals who aren’t retired and still in the accumulation phase, this fresh influx of capital into your portfolio can be used in all types of markets to purchase additional shares of high-quality companies.
This approach is important because it’s more predictable than relying only on growth. Additionally, you can generate growth on top of the dividends.
Disclaimer:
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Location
7755 Montgomery Road 2nd
2nd Floor
Cincinnati, OH 45236
US
Direct:
(513) 762-5223(513) 762-5223
Meet The Stanley Edwards Group
Jeff Stanley
First Vice President, Wealth Management, Financial Advisor
Phone:
(513) 762-5317(513) 762-5317
About Mitch Edwards
Mitch Edwards is a First Vice President, Wealth Management, Portfolio Management Director, Senior Portfolio Manager and Financial Advisor for Morgan Stanley. He’s been recognized by Forbes Magazine and the Wall Street Journal as a multi-year recipient (2019-2024) of the Five Star Wealth Manager award for his knowledge, dedication and experience in financial services. The Stanley Edwards Group has been recognized by Shook research as Best Team State of Ohio for 2023 and 2024.
Mitch provides comprehensive financial planning for pre-retirees, retirees and business owners covering areas such as investments, insurance and lending. He acts as a financial coordinator and advocate for his clients using a direct, down-to-earth approach and service-oriented philosophy. He honorably served in the United States Air Forces, and strives to apply the organization’s motto of “Integrity First, Service Before Self and Excellence In All We Do” when working with clients.
Mitch takes great pride when he can help clients realize their goals can be attainable—such as retiring on their own terms. His process of working with clients allows him to consult with individuals throughout the country in a personalized, hands-on manner.
As a youth, Mitch witnessed how making both good and bad financial decisions can not only impact an individual’s life but those around them, as well as on society in general. This later inspired him to become a Financial Advisor. He began his career in financial services in 2007 with Merrill Lynch. He joined Morgan Stanley in 2013 after being impressed by the firm’s emphasis on client service, as well as its extensive platforms.
While Mitch was born and raised in North Carolina, he graduated from the University of Houston Business School with a B.A. degree in Business Administration with a concentration in Finance.
Mitch believes that balance is the key to life. He’s been happily married to his wife, Michelle, since 2007, and is the proud father of three daughters (Megan, Emily and Sarah) and one son (Noah). He enjoys being involved with youth sports, including coaching youth basketball.
Securities Agent: VA, TX, OR, NC, UT, TN, SC, PR, OH, NY, NV, MN, MI, LA, KY, IN, GA, FL, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 697690
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
2019-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2019-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. "
Mitch provides comprehensive financial planning for pre-retirees, retirees and business owners covering areas such as investments, insurance and lending. He acts as a financial coordinator and advocate for his clients using a direct, down-to-earth approach and service-oriented philosophy. He honorably served in the United States Air Forces, and strives to apply the organization’s motto of “Integrity First, Service Before Self and Excellence In All We Do” when working with clients.
Mitch takes great pride when he can help clients realize their goals can be attainable—such as retiring on their own terms. His process of working with clients allows him to consult with individuals throughout the country in a personalized, hands-on manner.
As a youth, Mitch witnessed how making both good and bad financial decisions can not only impact an individual’s life but those around them, as well as on society in general. This later inspired him to become a Financial Advisor. He began his career in financial services in 2007 with Merrill Lynch. He joined Morgan Stanley in 2013 after being impressed by the firm’s emphasis on client service, as well as its extensive platforms.
While Mitch was born and raised in North Carolina, he graduated from the University of Houston Business School with a B.A. degree in Business Administration with a concentration in Finance.
Mitch believes that balance is the key to life. He’s been happily married to his wife, Michelle, since 2007, and is the proud father of three daughters (Megan, Emily and Sarah) and one son (Noah). He enjoys being involved with youth sports, including coaching youth basketball.
Securities Agent: VA, TX, OR, NC, UT, TN, SC, PR, OH, NY, NV, MN, MI, LA, KY, IN, GA, FL, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 697690
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
2019-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2019-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. "
Securities Agent: PR, NM, KY, GA, CT, NC, CO, TX, IL, AZ, AL, VA, OH, NH, CA, SC, MN, NY, LA, IN, FL, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 697690
NMLS#: 697690
About Jeff Stanley
Jeff Stanley is a Vice President, Wealth Management, Portfolio Management Director, and Financial Advisor for Morgan Stanley.
Jeff is committed to never losing focus on his team’s ultimate pursuit of helping people manage their life savings. (Investment accounts are a top priority for most of his clients; second only to their family.) He continues to earn the trust of clients every day by acting in their best interests, and designing comprehensive, customized financial plans aligned to their objectives and goals. Jeff strives to provide the right solutions for each client to better enable them to handle whatever life may bring them.
Jeff has always been interested in financial investments. In 2007, he turned that interest into a career by becoming a Financial Advisor. He joined Morgan Stanley in 2013 because the firm offers some of the best capabilities in the industry.
As a Financial Advisor, Jeff genuinely cares about the well-being of each client, and enjoys getting to know them as an individual—not just as a client. It’s gratifying to him when he helps a client achieve their aspirations, such as being able to make work an option instead of a necessity.
Born and raised in Cincinnati, Jeff attended Anderson High School. He later graduated Magna Cum Laude from Thomas Moore University with a bachelor’s degree in Business Administration and a concentration in investment finance.
Jeff and his wife, Stacie, have been married for 13 years, and have seven children together (Juliet, Andie, Eve, David, Thomas, Sadie and Maria). Being a father is important to him. You’ll often find him spending time with his children participating in activities such as fishing, swimming, camping or backpacking.
The Stanley family keeps their faith close to them, and gives back to their community by volunteering at their local parish.
Securities Agent: VA, TX, OR, NC, UT, TN, SC, PR, OH, NY, NV, MN, MI, LA, KY, IN, IL, GA, FL, CO, CA, AZ, AL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 287975
Jeff is committed to never losing focus on his team’s ultimate pursuit of helping people manage their life savings. (Investment accounts are a top priority for most of his clients; second only to their family.) He continues to earn the trust of clients every day by acting in their best interests, and designing comprehensive, customized financial plans aligned to their objectives and goals. Jeff strives to provide the right solutions for each client to better enable them to handle whatever life may bring them.
Jeff has always been interested in financial investments. In 2007, he turned that interest into a career by becoming a Financial Advisor. He joined Morgan Stanley in 2013 because the firm offers some of the best capabilities in the industry.
As a Financial Advisor, Jeff genuinely cares about the well-being of each client, and enjoys getting to know them as an individual—not just as a client. It’s gratifying to him when he helps a client achieve their aspirations, such as being able to make work an option instead of a necessity.
Born and raised in Cincinnati, Jeff attended Anderson High School. He later graduated Magna Cum Laude from Thomas Moore University with a bachelor’s degree in Business Administration and a concentration in investment finance.
Jeff and his wife, Stacie, have been married for 13 years, and have seven children together (Juliet, Andie, Eve, David, Thomas, Sadie and Maria). Being a father is important to him. You’ll often find him spending time with his children participating in activities such as fishing, swimming, camping or backpacking.
The Stanley family keeps their faith close to them, and gives back to their community by volunteering at their local parish.
Securities Agent: VA, TX, OR, NC, UT, TN, SC, PR, OH, NY, NV, MN, MI, LA, KY, IN, IL, GA, FL, CO, CA, AZ, AL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 287975
Securities Agent: TX, CT, CA, NM, NH, NE, GA, PR, FL, CO, AZ, VA, OH, IL, MI, SC, MN, LA, KS, IN, NC, PA, AL, NY, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 287975
NMLS#: 287975
Contact Mitch Edwards
Contact Jeff Stanley
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
Kimberly Emerson
Private Banker
About Kimberly Emerson
Kimberly Emerson is a Private Banker serving Morgan Stanley Wealth Management offices in Ohio.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her family.
NMLS#: 767178
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
Are You Prepared for Tax Day?
Article Image
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
Article Image
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
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Stanley Edwards Group today.
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.
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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
5Investors 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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
5Investors 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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)
