Jeffrey L Stewart, CRPS®
Managing Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Senior Institutional Consultant
Phone:
(614) 798-3212(614) 798-3212
The Stewart Group at Morgan Stanley
Direct:
(614) 798-3212(614) 798-3212
Toll-Free:
(800) 457-0025(800) 457-0025
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
The Stewart Group at Morgan Stanley develops relationships built on honesty, integrity and hard work from a committed, candid, constant conversation process. Only by fully engaging with every client can we serve as the respected, responsive financial advocate our clients deserve.
These principals and process are the driving force behind our group’s success, leading to Financial Advisors on the team to be recognized:
- 2009, 2010 & 2012-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009, 2010 & 2012-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
- 2017-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2017-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
- 2023-25 Forbes Best-In-State Wealth Management Teams Ranking
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Our clients come first and we work diligently to develop our client relationships in order to advise with virtually all of life’s circumstances, both expected and unexpected.
Our group has a diverse experience in comprehensive wealth management; our concentrations include experience with high net worth clients, qualified retirements plans, ESOPS, non-profits, associations, and other institutional investors since 1985. Our multigenerational team of professionals work closely together to use our individual, skills to effectively serve our clients and their families. With over 100 years of collective experience, the Stewart Group leverages our knowledge and the vast resources available at Morgan Stanley in order to help better assist our clients meet their financial goals.
Please feel free to contact us directly at 614-798-3212 to further discuss how The Stewart Group can help your financial situation.
These principals and process are the driving force behind our group’s success, leading to Financial Advisors on the team to be recognized:
- 2009, 2010 & 2012-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009, 2010 & 2012-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
- 2017-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2017-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
- 2023-25 Forbes Best-In-State Wealth Management Teams Ranking
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Our clients come first and we work diligently to develop our client relationships in order to advise with virtually all of life’s circumstances, both expected and unexpected.
Our group has a diverse experience in comprehensive wealth management; our concentrations include experience with high net worth clients, qualified retirements plans, ESOPS, non-profits, associations, and other institutional investors since 1985. Our multigenerational team of professionals work closely together to use our individual, skills to effectively serve our clients and their families. With over 100 years of collective experience, the Stewart Group leverages our knowledge and the vast resources available at Morgan Stanley in order to help better assist our clients meet their financial goals.
Please feel free to contact us directly at 614-798-3212 to further discuss how The Stewart Group can help your financial situation.
Services Include
- Corporate Pension FundsFootnote1
- Defined Contribution PlansFootnote2
- Exchange Traded FundsFootnote3
- Executive Benefit ServicesFootnote4
- Executive Financial ServicesFootnote5
- Fixed IncomeFootnote6
- Wealth ManagementFootnote7
- 401(k) Rollovers
- 529 PlansFootnote8
- Asset Management
- Corporate Retirement PlansFootnote9
- Estate Planning StrategiesFootnote10
- Financial PlanningFootnote11
- Planning for Education FundingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
2024 Forbes Best-In-State Wealth Advisors
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
2024 Barron's Top 1,200 Financial Advisors: State-by-State
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2024) Data compiled by Barron's for the period Oct 2022-Sept 2023.
Source: Barron's.com (Awarded Mar 2024) Data compiled by Barron's for the period Oct 2022-Sept 2023.
2025 Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
2009, 2010 & 2012-2024 Barron's Top 1,200 Financial Advisors: State-by-State
2009, 2010 & 2012-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009, 2010 & 2012-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award
Source: Barrons.com (Awarded 2009, 2010 & 2012-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award
2017-2024 Forbes Best-In- State Wealth Advisors
2017-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2017-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award
Source: Forbes.com (Awarded 2017-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award
2023-25 Forbes Best-In-State Wealth Management Teams Ranking
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 -2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2023 -2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2015 Financial Times 400 Top Financial Advisors
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by the Financial Times based on time period from 9/30/13 - 9/30/14.
Source: ft.com (Awarded Mar 2015) Data compiled by the Financial Times based on time period from 9/30/13 - 9/30/14.
2013 Financial Times 400 Top Financial Advisors
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2013) Data compiled by Financial Times based on data as of 12/31/12.
Source: ft.com (Awarded Apr 2013) Data compiled by Financial Times based on data as of 12/31/12.
Why the Stewart Group at Morgan Stanley?
Experience: The Stewart Group has been assisting High Net Worth Family Offices, Qualified Retirement Plans, ESOPs, Non-Profits, Associations and other institutional investors since 1985.
Collaboration: We are a group of 7 professionals with varied backgrounds, knowledge and a combined 100+ years of experience in the financial industry.
Integrity: We are committed to the highest standards of ethical behavior and recognize business best practices.
Transparency: As a client advocate, we believe a fully informed and engaged client can lead to a conducive relationship.
Resources: We will bring to bear the full capacity of Morgan Stanley and utilize external competent counsel to help achieve our client’s goals.
Collaboration: We are a group of 7 professionals with varied backgrounds, knowledge and a combined 100+ years of experience in the financial industry.
Integrity: We are committed to the highest standards of ethical behavior and recognize business best practices.
Transparency: As a client advocate, we believe a fully informed and engaged client can lead to a conducive relationship.
Resources: We will bring to bear the full capacity of Morgan Stanley and utilize external competent counsel to help achieve our client’s goals.
Location
545 Metro Place South
Suite 300
Dublin, OH 43017
US
Direct:
(614) 798-3212(614) 798-3212
Toll-Free:
(800) 457-0025(800) 457-0025
Meet The Stewart Group
Gregory T Kaufman
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(614) 798-3247(614) 798-3247
Colin D. Keefe, CFP®
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(614) 798-3249(614) 798-3249
John A. Haddow
Business Development Associate
Phone:
(614) 798-3257(614) 798-3257
Megan R. Smith
Vice President, Director of Business Strategy
Phone:
(614) 798-3219(614) 798-3219
Leah P. Smith
Assistant Vice President, Wealth Management Associate
Phone:
(614) 798-3260(614) 798-3260
Jamie Vanderwarker
Registered Client Service Associate
Phone:
(614) 798-3248(614) 798-3248
About Jeffrey L Stewart
BS - Florida State University
Series 7, 8, 31, 63 & 65 Licensed
Life & Health Insurance Licensed
Chartered Retirement Plans Specialist
1985 - present: Morgan Stanley*
1992 - present: Morgan Stanley*
President's Club of Florida State University Member
President's Club of The Ohio State University Member
SCI - Safari Club International
Responsibilities: Implementing Investment Process
Comprehensive Wealth Management and Estate Organization
Series 7, 8, 31, 63 & 65 Licensed
Life & Health Insurance Licensed
Chartered Retirement Plans Specialist
1985 - present: Morgan Stanley*
1992 - present: Morgan Stanley*
President's Club of Florida State University Member
President's Club of The Ohio State University Member
SCI - Safari Club International
Responsibilities: Implementing Investment Process
Comprehensive Wealth Management and Estate Organization
Securities Agent: GA, MI, WY, VT, VA, ME, CO, AL, NV, MD, AK, CT, WV, SC, MO, ID, FL, CA, PA, NE, WI, NM, NC, MT, MN, OR, KS, DE, AZ, AR, WA, OH, NY, NJ, LA, OK, MA, KY, IN, IL, TX, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
About Gregory T Kaufman
BBA - University of Toledo
Series 7, 31, 63 & 65 Licensed
1999 - Present: Morgan Stanley*
Responsibilities: Analysis and Ongoing Review of Investment Managers
Managing Client Relationships
Implementing Wealth Management Strategies
Series 7, 31, 63 & 65 Licensed
1999 - Present: Morgan Stanley*
Responsibilities: Analysis and Ongoing Review of Investment Managers
Managing Client Relationships
Implementing Wealth Management Strategies
Securities Agent: VA, CA, OK, MD, IL, DE, AZ, AR, AK, VT, NC, ME, FL, MI, MA, SC, NE, CT, PA, OR, OH, NV, MT, MN, WI, TX, NM, NJ, ID, GA, AL, NY, LA, KY, WY, WA, KS, IN, CO, WV, TN, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1703195
NMLS#: 1703195
About Colin D. Keefe
BS - Pennsylvania State University
Series 7 & 66 Licensed
2019 - Present: Morgan Stanley
2015 - 2019: Merrill Lynch
Responsibilities: Works with individuals and families, with a focus on retirement and estate planning
Team liaison for The Stewart Group 401 (k) plans/participants
Series 7 & 66 Licensed
2019 - Present: Morgan Stanley
2015 - 2019: Merrill Lynch
Responsibilities: Works with individuals and families, with a focus on retirement and estate planning
Team liaison for The Stewart Group 401 (k) plans/participants
Securities Agent: VA, GA, SC, CT, CO, WA, OR, NY, NV, NC, MN, FL, AL, WI, PA, MT, MO, KY, OH, MD, AZ, WV, OK, NE, IL, CA, NM, MI, KS, IN, LA, DE, WY, TN, VT, NJ, ME, MA, ID, AR, AK, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1412966
NMLS#: 1412966
About John A. Haddow
BS - The Ohio State University
Series 7 & 63 Licensed
1998 - Present: Morgan Stanley*
31 Years Industry Experience
Responsibilities: Portfolio Management
Series 7 & 63 Licensed
1998 - Present: Morgan Stanley*
31 Years Industry Experience
Responsibilities: Portfolio Management
About Megan R. Smith
BBA Ohio University
Series 7, 66, & 31 Licensed
2007 - Present: Morgan Stanley
2002 - 2007: Merrill Lynch
Responsibilities: Lead administrator with a focus on administrative functions of the team
including client service, managing staff, overseeing team coordination, and marketing.
Series 7, 66, & 31 Licensed
2007 - Present: Morgan Stanley
2002 - 2007: Merrill Lynch
Responsibilities: Lead administrator with a focus on administrative functions of the team
including client service, managing staff, overseeing team coordination, and marketing.
About Leah P. Smith
BA - University of Michigan
Series 7 & 66 Licensed
2017 - Present: Morgan Stanley*
Responsibilities: Client Services and Administration
Series 7 & 66 Licensed
2017 - Present: Morgan Stanley*
Responsibilities: Client Services and Administration
About Jamie Vanderwarker
BA – Bob Jones University
Series 7 & 66 Licensed
2022-Present: Morgan Stanley
2004-2022: First Midwest Bank/LPL Financial
Responsibilities: Client Services and Administration
Series 7 & 66 Licensed
2022-Present: Morgan Stanley
2004-2022: First Midwest Bank/LPL Financial
Responsibilities: Client Services and Administration
Contact Jeffrey L Stewart
Contact Gregory T Kaufman
Contact Colin D. Keefe
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
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
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.
Ready to start a conversation? Contact The Stewart 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
9When 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
9When 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Awards Disclosures
CRC 6491812 (04/2024)
