Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(980) 465-7412(980) 465-7412
The Tinsley Group at Morgan Stanley
Direct:
(980) 465-7400(980) 465-7400
Our Mission Statement
We believe that our finances and wealth are really all about building the life we want for ourselves and our families.
Our Story and Services
On October 19th, 1987, the stock market had the largest one-day market crash in history. The Dow lost 22.6% of its value in a matter of hours.* It was all over the news, many people were panicking. Page Tinsley was 17 years old and remembers the day clearly because that evening he was with his Step-Father, Tom Norby, who was a prominent Financial Advisor in Charlotte. Page had a million questions: What had caused the crash? Were clients worried? What would he advise his clients to do? And with question after question, the one thing that amazed him was how Tom answered every single question calmly, thoughtfully, and confidently. Page thought to himself, wow, someday when I have money I want someone just like him looking out for me.
A few years out of college, Page followed in his Step-Father’s footsteps and joined Morgan Stanley in 2000 as a Financial Advisor. Tom was his mentor and they soon formed a team, working as a family and partners building multi-generational relationships with individuals and families until Tom’s death in 2009.
Today Page work’s with his wife and fellow Financial Advisor, Indira Tinsley. Before becoming a Financial Advisor Indira was also dedicated to helping families where she worked at the Levine Children’s Specialty Center in Charlotte as a Medical Interpreter.
The world of finance grows ever more complex and few have the time or inclination to sift through all the information available to us. In the Tinsley Group, this is our life’s work and study and we bring to you, not only our own knowledge and decades of experience, but also the considerable knowledge and resources of Morgan Stanley, a firm we are proud to work for. We have extensive experience in not only in managing wealth, but in managing risk as well.
More importantly, we know that every person and every family is unique and diverse, just as our own family is. Our first priority is to deeply understand you so that we can put ourselves to work for you and find the recommendations and solutions which fit you and your family.
Page and Indira believe that, above all, your and your family’s success is our family’s success. If you are looking for experienced, thoughtful, and steady guidance on your lifelong financial journey from advisors who will be deeply engaged in understanding you then we invite you to have a conversation with us.
*Source: Colombo, Jesse. “Black Monday – the Stock Market Crash of 1987.” August 3, 2012. http://thebubblebubble.com/1987-crash/
A few years out of college, Page followed in his Step-Father’s footsteps and joined Morgan Stanley in 2000 as a Financial Advisor. Tom was his mentor and they soon formed a team, working as a family and partners building multi-generational relationships with individuals and families until Tom’s death in 2009.
Today Page work’s with his wife and fellow Financial Advisor, Indira Tinsley. Before becoming a Financial Advisor Indira was also dedicated to helping families where she worked at the Levine Children’s Specialty Center in Charlotte as a Medical Interpreter.
The world of finance grows ever more complex and few have the time or inclination to sift through all the information available to us. In the Tinsley Group, this is our life’s work and study and we bring to you, not only our own knowledge and decades of experience, but also the considerable knowledge and resources of Morgan Stanley, a firm we are proud to work for. We have extensive experience in not only in managing wealth, but in managing risk as well.
More importantly, we know that every person and every family is unique and diverse, just as our own family is. Our first priority is to deeply understand you so that we can put ourselves to work for you and find the recommendations and solutions which fit you and your family.
Page and Indira believe that, above all, your and your family’s success is our family’s success. If you are looking for experienced, thoughtful, and steady guidance on your lifelong financial journey from advisors who will be deeply engaged in understanding you then we invite you to have a conversation with us.
*Source: Colombo, Jesse. “Black Monday – the Stock Market Crash of 1987.” August 3, 2012. http://thebubblebubble.com/1987-crash/
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Financial PlanningFootnote3
- 401(k) Rollovers
- Estate Planning StrategiesFootnote4
- LGBT+ Planning ServicesFootnote5
- Planning for Education FundingFootnote6
- 529 PlansFootnote7
- UGMA/UTMAFootnote8
- Trust AccountsFootnote9
- Wealth PlanningFootnote10
- Business PlanningFootnote11
- Retirement PlanningFootnote12
- Asset Management
- Sustainable InvestingFootnote13
- Divorce Financial AnalysisFootnote14
- Life InsuranceFootnote15
- Long Term Care InsuranceFootnote16
- AnnuitiesFootnote17
- Corporate Retirement PlansFootnote18
- Defined Contribution PlansFootnote19
- Business Succession PlanningFootnote20
- Stock Option PlansFootnote21
- Corporate Investment SolutionsFootnote22
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
13024 Ballantyne Corp Pl
Ste 150
Charlotte, NC 28277
US
Direct:
(980) 465-7400(980) 465-7400
Meet The Tinsley Group
Phone:
(980) 465-7413(980) 465-7413
Leslie Ware
Client Service Associate
Phone:
(980) 465-7394(980) 465-7394
About R. Page Tinsley
Page is a Vice President, Financial Advisor, and Senior Portfolio Manager who has dedicated his career to helping his clients make more intelligent decisions about their money and investments. He has over 24 years of knowledge and experience as a Financial Advisor helping to fulfill the unique requirements of families, business executives, business owners, professionals, and retirees while successfully guiding them through the markets most volatile times.
Page received a Bachelor of Science from Embry-Riddle Aeronautical University in 1994 and worked in management in the corporate aviation industry for four years until joining Morgan Stanley in 2000.
Page is actively involved in several car clubs including the BMW Car Club of America where he is a National Certified Driving Instructor and teaches advanced driving skills at club events. He also teaches teenage drivers accident avoidance skills at teen driving schools.
A Charlotte native, Page lives with his wife, Indira, and has three children, Indira, Martina and Fernando. In his spare time, Page loves mountain biking, exercise, and travel.
Page received a Bachelor of Science from Embry-Riddle Aeronautical University in 1994 and worked in management in the corporate aviation industry for four years until joining Morgan Stanley in 2000.
Page is actively involved in several car clubs including the BMW Car Club of America where he is a National Certified Driving Instructor and teaches advanced driving skills at club events. He also teaches teenage drivers accident avoidance skills at teen driving schools.
A Charlotte native, Page lives with his wife, Indira, and has three children, Indira, Martina and Fernando. In his spare time, Page loves mountain biking, exercise, and travel.
Securities Agent: ME, VA, OH, NC, PA, NY, FL, DE, AL, MN, MD, CA, GA, AZ, MA, WI, TX, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288190
NMLS#: 1288190
About Indira Tinsley
Indira is originally from Guayaquil, Ecuador, the oldest of four siblings. Her mother, an Attorney, has been Indira’s greatest inspiration because of her generosity and tireless work ethic. Indira grew up watching her single mother provide not only for her family, but also help other families through her profession and by making a positive impact on everyone that crossed her path. Even though they didn’t have much, Indira’s mother was always happy to share with those less fortunate. Indira later followed her mother’s footsteps and studied law in Ecuador.
Twenty four years ago, Indira made the difficult decision to come to the United States to build a better life for her family. Here in Charlotte, she found the opportunity to help the rapidly growing Hispanic community. Before coming to Morgan Stanley, Indira was a medical interpreter at The Levine Children’s Specialty Center where she worked closely with chronically ill children and their family’s being treated there.
She came to Morgan Stanley in 2017 where she is a Financial Advisor working with her husband, Page Tinsley, in The Tinsley Group at Morgan Stanley. Within the team, Indira focuses on comprehensive financial planning, helping families and individuals be prepared for life events so that they can focus on the things most important in their lives.
Indira is very active in the community. She has served as a board member of RAIN, a charitable organization supporting people and families affected by HIV. And she is a member of the Latin American Chamber of Commerce, LGTB Chamber of Commerce, and various Women’s organizations.
She lives in Charlotte with her husband Page and has three children, Indira, Martina, and Fernando. In her spare time she loves to travel the world to experience and learn from different cultures, to eat good food, and to exercise.
Twenty four years ago, Indira made the difficult decision to come to the United States to build a better life for her family. Here in Charlotte, she found the opportunity to help the rapidly growing Hispanic community. Before coming to Morgan Stanley, Indira was a medical interpreter at The Levine Children’s Specialty Center where she worked closely with chronically ill children and their family’s being treated there.
She came to Morgan Stanley in 2017 where she is a Financial Advisor working with her husband, Page Tinsley, in The Tinsley Group at Morgan Stanley. Within the team, Indira focuses on comprehensive financial planning, helping families and individuals be prepared for life events so that they can focus on the things most important in their lives.
Indira is very active in the community. She has served as a board member of RAIN, a charitable organization supporting people and families affected by HIV. And she is a member of the Latin American Chamber of Commerce, LGTB Chamber of Commerce, and various Women’s organizations.
She lives in Charlotte with her husband Page and has three children, Indira, Martina, and Fernando. In her spare time she loves to travel the world to experience and learn from different cultures, to eat good food, and to exercise.
Securities Agent: NY, MD, SC, VA, PA, WI, NV, AZ, GA, TX, MN, MA, OH, NC, ME, FL, CA, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1889170
NMLS#: 1889170
About Leslie Ware
As a Client Associate at The Tinsley Group, Leslie focuses on client interaction, administration, and operational support. With over 30 years of experience in the industry, Leslie is highly adept at handling administrative and supportive tasks, while providing top notch service to clients which she serves.
Originally from Columbus, OH, Leslie joined The Tinsley Group in 2024.
Apart from serving as a member of a Women's Leadership Group, in her free time Leslie enjoys creating abstract art and decorating, along with spending time with family and friends.
Originally from Columbus, OH, Leslie joined The Tinsley Group in 2024.
Apart from serving as a member of a Women's Leadership Group, in her free time Leslie enjoys creating abstract art and decorating, along with spending time with family and friends.
Contact R. Page Tinsley
Contact Indira Tinsley
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
Article Image
Ready to start a conversation? Contact The Tinsley Group today.
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When 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.
7Investors 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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Morgan 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.
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 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.
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
14Morgan 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.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18When 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.
19When 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.
20Morgan 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.
21Morgan 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.
22Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Awards Disclosures
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When 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.
7Investors 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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Morgan 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.
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 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.
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
14Morgan 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.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18When 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.
19When 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.
20Morgan 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.
21Morgan 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.
22Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
