Kathy Burke
Senior Vice President, Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(813) 227-2134(813) 227-2134
The Tampa Horizon Group at Morgan Stanley
Direct:
(813) 227-2170(813) 227-2170
Our Mission Statement
Financial milestones are always on the Horizon, and our team is here to help provide you & your family with personalized investment strategies to help reach your goals & plan for a prosperous future.
A Look At Your Financial Horizon
With over 55 years of combined experience, Kathy Burke and Brent Bassler are committed to offering thoughtful, comprehensive financial advice. We believe in gaining a deep understanding of our clients' situations to help put a plan in place to help them reach their overall goals. Everyone sees a different horizon, but no matter where you live or what you're going through, we strive to help every client understand what their unique horizon is, and put them on a path to get there.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Corporate Retirement PlansFootnote4
- Qualified Retirement PlansFootnote5
- Estate Planning StrategiesFootnote6
- Wealth PlanningFootnote7
- Asset Management
- Professional Portfolio ManagementFootnote8
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Discovery and Strategy
• The first step in working with our clients is identifying your Goals, values and any special concerns or challenges you may be facing and then completing a thorough budget analysis.
• We then develop a personalized investment strategy in which we:
• Determine your risk tolerance
• Analyze current investment portfolio
• Develop asset allocation strategy
• Construct your portfolio
• We then develop a personalized investment strategy in which we:
• Determine your risk tolerance
• Analyze current investment portfolio
• Develop asset allocation strategy
• Construct your portfolio
Initial Meetings
• Investment Strategy meeting to present our recommended investment approach
• A follow up meeting to discuss
• First statements and the organization of your paperwork
• Set-up online account access and review online resources
• Schedule wealth management plan meeting
• A follow up meeting to discuss
• First statements and the organization of your paperwork
• Set-up online account access and review online resources
• Schedule wealth management plan meeting
Executing Your Plan
• Executing, developing and monitoring your plan requires us to take account of each aspect of your plan including:
• Financial planning
• Retirement planning
• Access to banking and lending services
• Education planning
• Business succession planning
• Charitable giving
• Family Dynamics
• Estate planning management
• Financial planning
• Retirement planning
• Access to banking and lending services
• Education planning
• Business succession planning
• Charitable giving
• Family Dynamics
• Estate planning management
Ongoing Process
• A financial plan is always changing, adjusting, and evolving, and we're here to guide you through every step of you plans evolution. Over time we will:
• Re-evaluate investment strategy based on changes to your goals, objectives, and/or expectations
• Adjust your investment portfolio and/or wealth management plan in light of any changes
• Aid in the ongoing process of your financial plan by offering tools to consolidate your important financial information including:
• A family Records organizer
• Client Records checklist
• Re-evaluate investment strategy based on changes to your goals, objectives, and/or expectations
• Adjust your investment portfolio and/or wealth management plan in light of any changes
• Aid in the ongoing process of your financial plan by offering tools to consolidate your important financial information including:
• A family Records organizer
• Client Records checklist
2025 Best-In-State Wealth Management Teams
"Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24. "
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24. "
Kathy Burke- 2025 Forbes Top Women Wealth Advisors Best-In-State
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Brent Bassler- Certified Retirement Planning Counselor
A CRPC® is dedicated to client-centric problem solving and is dedicated to offering clients a "road map to retirement"
A CRPC® will take into account the many different factors that affect your retirement planning, including:
• Meeting financial objectives
• Sources of retirement income
• Personal Savings
• Employer sponsored retirement plans
• Income taxes
• Retirement cash flow
• Asset management
• Estate planning
A CRPC® will take into account the many different factors that affect your retirement planning, including:
• Meeting financial objectives
• Sources of retirement income
• Personal Savings
• Employer sponsored retirement plans
• Income taxes
• Retirement cash flow
• Asset management
• Estate planning
Brent Bassler, CRPC®, CLTC® - 2023-2025 Pacesetter's Club at Morgan Stanley Wealth Management
This accolade recognizes consistent excellence in providing a wide range of investment products and wealth management services to clients. In addition to demonstrating leadership through best practices of wealth management, Morgan Stanley's recognition programs acknowledge the highest professional standards and first class client service.
Brent Bassler- Certified in Long-Term, CLTC®
A professional with a CLTC designation has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client's family – financially, physically and emotionally – years down the road. The CLTC® program focuses on the discipline of extended care planning and the critical tools necessary to discuss the subject of longevity and its consequences on their client's family and finances.
The CLTC designation has been recognized and supported by The American College, NAIFA and major insurance carriers.
The CLTC designation has been recognized and supported by The American College, NAIFA and major insurance carriers.
Brent Bassler, CRPC®, CLTC® - CAIA™ Fundamentals of Alternative Investments Certificate
This certification is centered around client goals, suitability, and effective implementation. Completion of this certification demonstrates a deeper understanding of both the opportunities and complexities around alternative investments, and also allows for more comprehensive solutions that align with clients’ financial goals and risk tolerances.
Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Modern Wealth Tools
Morgan Stanley’s suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice. These tools’ ease of use allows for a more in-depth view of a client’s financial life, resulting in better service and more well-rounded advice.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Closed-End Funds
Pooled-asset portfolios that use leverage while accessing a broader opportunity set that includes private investments and other less-liquid, differentiated assets with access to timely offerings from the top asset managers in the industry.
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Unit Investment Trusts
Idea-driven portfolios that turn innovative trends, themes and insights into powerful investments across asset classes and market sectors with access to third-party and proprietary investment selections based on industry-leading research from across the full scale and global reach of the firm.
Morgan Stanley UITs
Structured Investments
Customized investment strategies —such as yield enhancement strategies and risk mitigation strategies —that serve as powerful allocation tools in modern portfolios.
Location
100 N. Tampa Street
Ste 3000
Tampa, FL 33602
US
Direct:
(813) 227-2170(813) 227-2170
Fax:
(813) 644-8444(813) 644-8444
Meet The Tampa Horizon Group
Brent Bassler, CRPC®, CLTC®
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(813) 227-2170(813) 227-2170
Robin Mason
Registered Client Service Associate
Phone:
(813) 227-2145(813) 227-2145
About Kathy Burke
Kathy is a licensed Financial Advisor, Portfolio Manager, and Financial Planning Specialist with the Tampa Horizon Group at Morgan Stanley. Kathy has been in the financial world for more than 40 years, starting as a registered sales associate at Dean Witter. In 1987, Kathy moved to Tampa and began working as a Branch Administrator at Smith Barney alongside Gary Garcia, her business partner for 35 years. In 2008, Gary and Kathy transitioned to Morgan Stanley and launched the Garcia Group, which was renamed as the Tampa Horizon Group upon Gary’s retirement in 2023.
Kathy was born and raised in New Middletown, OH with a large extended family who she visits regularly. Growing up in such a big family, with 3 siblings and 10 cousins, directly impacted her philosophy on working with clients. Kathy sees her clients as an extension of her family, learning what they’re passionate about and what their financial goals are so she can build a plan to help make their dreams come to fruition.
In 2007 Kathy started working with law enforcement and detention deputies at the Hillsborough County Sheriff’s Office to help them get an understanding of their options in the Florida Retirement System. To date, Kathy has helped more than fifty law enforcement families build a financial plan to get them to and through retirement.
Kathy is very involved with her community, volunteering for Feeding Tampa Bay and The Spirit Tree Inc., a non-profit wildlife sanctuary in Dade City, Florida. Kathy was married to Dan Burke, her loving husband for 40 years before he passed in 2020. Kathy’s lifelong passion for visiting national parks and traveling with family and friends is how she spends her time outside of work.
Kathy was born and raised in New Middletown, OH with a large extended family who she visits regularly. Growing up in such a big family, with 3 siblings and 10 cousins, directly impacted her philosophy on working with clients. Kathy sees her clients as an extension of her family, learning what they’re passionate about and what their financial goals are so she can build a plan to help make their dreams come to fruition.
In 2007 Kathy started working with law enforcement and detention deputies at the Hillsborough County Sheriff’s Office to help them get an understanding of their options in the Florida Retirement System. To date, Kathy has helped more than fifty law enforcement families build a financial plan to get them to and through retirement.
Kathy is very involved with her community, volunteering for Feeding Tampa Bay and The Spirit Tree Inc., a non-profit wildlife sanctuary in Dade City, Florida. Kathy was married to Dan Burke, her loving husband for 40 years before he passed in 2020. Kathy’s lifelong passion for visiting national parks and traveling with family and friends is how she spends her time outside of work.
Securities Agent: NJ, SC, OH, LA, IN, IA, VA, ME, KS, GA, NC, MD, WI, NV, MA, PR, MI, CO, CA, OR, IL, TX, TN, FL, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1398783
NMLS#: 1398783
About Brent Bassler
Brent is a licensed Financial Advisor with The Tampa Horizon Group at Morgan Stanley. He is a Chartered Retirement Planning Counselor (CRPC™) and is Certified in Long-Term Care (CLTC®) planning, which allows him to advise clients on complex retirement planning strategies, as well as the importance of extended care, and how that may impact overall investment strategies and long-term goals. Brent has been helping clients and their families clearly navigate key financial decisions leading up to and beyond retirement for more than two decades. Prior to transitioning his business to Morgan Stanley in 2022, he worked as a Financial Advisor at E*TRADE Capital Management.
As the son of a retired Army Lieutenant Colonel, Brent is deeply supportive of the United States Armed Forces, as well as many Wounded Warrior foundations throughout Florida, and the Hillsborough County Sheriff’s Office. He also has a passion for helping people with intellectual disabilities, supporting Special Olympics personally and professionally.
Brent was born and raised in Tampa, FL, and is a graduate of the University of Florida, Warrington College of Business. Outside of work, he’s an avid outdoorsman, and always says “If I’m not on the water, I’m in the woods, and vice versa”. He lives in Tampa with his wife Elizabeth and their black lab, Ruger.
As the son of a retired Army Lieutenant Colonel, Brent is deeply supportive of the United States Armed Forces, as well as many Wounded Warrior foundations throughout Florida, and the Hillsborough County Sheriff’s Office. He also has a passion for helping people with intellectual disabilities, supporting Special Olympics personally and professionally.
Brent was born and raised in Tampa, FL, and is a graduate of the University of Florida, Warrington College of Business. Outside of work, he’s an avid outdoorsman, and always says “If I’m not on the water, I’m in the woods, and vice versa”. He lives in Tampa with his wife Elizabeth and their black lab, Ruger.
Securities Agent: MS, OR, SC, UT, NV, WA, MD, KS, DC, WY, WV, WI, VT, VI, VA, TX, TN, SD, RI, PR, PA, OK, OH, NY, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, MA, LA, KY, IN, IL, ID, IA, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK, ME; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2456266
NMLS#: 2456266
About Robin Mason
Robin began her financial services career at Ameriprise Financial in 2006, where she took on dual roles as both Financial Advisor and wealth management planner. In 2010, she was recruited by Morgan Stanley as a Registered Client Service Associate. Her focus was on delivering high-end client services at the Tampa-area Client Advisory Center. Her breadth of experience and focus servicing high net worth clients led to her subsequent recruitment to the Tampa branch in November 2012. Robin has earned her Series 7 license, Series 66 license, and Life, Health, and Variable license. Within the team she continues to deliver high level service to our clients, helping with account maintenance, trade processing and building upon existing relationships. Robin was born and raised in Florida, attending the University of South Florida where she earned a bachelor’s degree in business management. She currently resides in Tampa, Florida. She loves to line dance once a week with her sister and friends. If she is not spending time in Tampa, you will definitely find her at Disney!
Contact Kathy Burke
Contact Brent Bassler
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?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Tampa Horizon Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
Morgan 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.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
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
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
Morgan 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.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
