Berit A Thompson
Senior Vice President, Financial Advisor
Phone:
(509) 455-5043(509) 455-5043
The TLC Group at Morgan Stanley
Direct:
(509) 455-7744(509) 455-7744
Toll-Free:
(800) 521-0509(800) 521-0509
Our Mission Statement
Managing wealth for today and building a legacy for future generations by providing experienced investment advice, financial planning and exceptional service.
Our Story and Services
Based on a foundation of trust and integrity, our team works diligently to help successful individuals and families pursue their financial goals. Focused on building strong multi-generational relationships, we take great pride in the fact that we are helping our client’s children and grandchildren begin and build their financial futures.
Our team is made up of individuals, each with over 25+ years of wealth management experience. We help our clients successfully plan for the retirement they envision, growing and preserving their wealth and transferring that wealth to the next generation. We do this through our wealth management process which centers around you, the client. We help you identify the goals and retirement needs and wishes that are most important to you and then guide you through creating and implementing a wealth management plan to help make it a reality. We will provide ongoing advice and guidance to keep you on track and help you make adjustments to your plan as your goals change and evolve over time.
We want to help you take the guesswork out of your finances and make the intimidating task of planning for the future an exciting journey for you as you discover a path to realize your goals.
Our team is made up of individuals, each with over 25+ years of wealth management experience. We help our clients successfully plan for the retirement they envision, growing and preserving their wealth and transferring that wealth to the next generation. We do this through our wealth management process which centers around you, the client. We help you identify the goals and retirement needs and wishes that are most important to you and then guide you through creating and implementing a wealth management plan to help make it a reality. We will provide ongoing advice and guidance to keep you on track and help you make adjustments to your plan as your goals change and evolve over time.
We want to help you take the guesswork out of your finances and make the intimidating task of planning for the future an exciting journey for you as you discover a path to realize your goals.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Morgan Stanley is committed to protecting your assets and privacy. The firm employs a range of security measures to ensure that your financial information is kept safe and secure. This includes using advanced encryption technology, multi-factor authentication, and monitoring of account activity for signs of fraud or suspicious behavior.
By partnering with Morgan Stanley, you can have peace of mind knowing that your assets are being protected with the latest security protocols and best practices in the industry.
By partnering with Morgan Stanley, you can have peace of mind knowing that your assets are being protected with the latest security protocols and best practices in the industry.
Federal Deposit Insurance Corporation (FDIC)
As a Morgan Stanley client, you have FDIC Insurance Coverage up to applicable limits for free credit balances swept into accounts at Sweep Banks. Morgan Stanley has two insured banks (which act as a “Sweep Bank” for free credit balances in your brokerage and managed accounts);
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Maintain Good Cybersecurity Habits
Whether it’s strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more.
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Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Access the Online Security Center
Cybersecurity Resource Center
Morgan Stanley is committed to protecting your assets and privacy. The firm employs a range of security measures to ensure that your financial information is kept safe and secure. This includes using advanced encryption technology, multi-factor authentication, and monitoring of account activity for signs of fraud or suspicious behavior.
By partnering with Morgan Stanley, you can have peace of mind knowing that your assets are being protected with the latest security protocols and best practices in the industry.
By partnering with Morgan Stanley, you can have peace of mind knowing that your assets are being protected with the latest security protocols and best practices in the industry.
Working With You
Our wealth management approach focuses on you and your family at every stage of your lives. Working together, we develop the strategies to help you get where you want to be, navigating life’s challenges and helping you make more informed decisions about your wealth along the way.
Getting to Know You
We will start with an in-depth conversation to understand your current situation and identify the goals and financial needs that are most important to you. We believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, and values.
Forming Your Strategy
Whether your financial goal is to grow your wealth, enjoy it, preserve it, or pass it on to others, we will help you develop a personalized and detailed plan to meet those goals. We will work with you to assess various scenarios and advise you on the appropriate strategies to achieve the financial outcome you envision for your family.
Implementing Your Plan
We implement your customized plan utilizing Morgan Stanley’s full suite of resources to identify the best combination of services and solutions for you and your specific financial needs.
Ongoing Service
Committed to exceptional service, we focus on developing a relationship that provides special value to you and your family. And because markets and personal needs evolve over time, we will review your financial situation regularly and provide ongoing advice and guidance to ensure your plan stays on track.
Our Wealth Management process begins with you. We will help you identify your financial goals for all stages of life and also any estate planning needs you might have to help you grow and preserve wealth. Our goal is to help you enjoy your life now and in retirement while also leaving a legacy for your family and the next generation.
Building, protecting, and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, your current financial situation, potential tax obligations, intelligent structuring of your assets and strategic planning and implementation. We have a sophisticated suite of analytic tools available at Morgan Stanley that we can leverage to help us create your customized plan. Below are links to a few of the tools we use.
We also understand that the goals you set today will evolve over time. We will help you navigate the changes and guide you along the way so you stay on track. Retirement and estate planning can be stressful and we are here to help you.
Building, protecting, and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, your current financial situation, potential tax obligations, intelligent structuring of your assets and strategic planning and implementation. We have a sophisticated suite of analytic tools available at Morgan Stanley that we can leverage to help us create your customized plan. Below are links to a few of the tools we use.
We also understand that the goals you set today will evolve over time. We will help you navigate the changes and guide you along the way so you stay on track. Retirement and estate planning can be stressful and we are here to help you.
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More
Financial Planning Brochure
Regardless of what stage your life is in, moving ahead in your career, enjoying retirement, or somewhere in between, your Morgan Stanley Financial Advisor can help you achieve your financial goals.
Learn More
Income and Estate Tax Planning Toolkit
The goal of the Income and Estate Tax Planning Toolkit is to help clients develop a general understanding of various tax and estate planning techniques. The presentation dedicates one chapter to each technique. Each chapter comprises three complementary sections: summary of considerations, graphic illustration, and custom example.
Learn More
Tax Tables 2025 Edition
Learn MoreWELCOME TO OUR LIFE NAVIGATOR
One of our goals at the TLC Group is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth and Education
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives.
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise, we can help you approach the range of educational expenses for your particular situations.
Learn moreEducation is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise, we can help you approach the range of educational expenses for your particular situations.
Early Adulthood
While it’s important to start teaching your kids about money when they are young, it’s even more important as they get older. There is no better incentive for financial rectitude than watching your savings earn for you. One day, that account and the behavior it incentivizes may become the foundation for the financial independence you want them to achieve.
Learn more
Business/Work
Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Typically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Learn moreTypically, we encounter three primary scenarios with our clients:
- Starting a business
- Funding a business
- Exiting a business
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
Learn more
Retirement
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Learn more
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Learn more
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes. Proceedings can also be painful and costly for the family.
We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Learn moreWe believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Location
717 W Sprague Ave
Suite 500
Spokane, WA 99201
US
Direct:
(509) 455-7744(509) 455-7744
Toll-Free:
(800) 521-0509(800) 521-0509
Meet The TLC Group
Jennifer A Lucke
First Vice President, Financial Advisor
Phone:
(509) 455-7744(509) 455-7744
Mescal Smith
Financial Advisor, Financial Planning Specialist
Phone:
(509) 325-8224(509) 325-8224
Tracy Taylor
Portfolio Associate
Phone:
(509) 455-6077(509) 455-6077
About Berit A Thompson
Bea was recently recognized for 40 years of service with Morgan Stanley and its predecessors. She was born, raised, and educated in Sweden and is bi-lingual. Upon her arrival in the United States, she secured her first job with a long-time, local brokerage in Spokane where she built a platform of knowledge and was encouraged to get licensed. Bea holds the FINRA Series 7 and Series 63 licenses and is a Financial Planning Specialist. Don’t ask her when she is going to retire, she loves her job too much!
In her spare time, Bea enjoys gardening, reading, music and spending time with her husband, children, and grandchildren.
In her spare time, Bea enjoys gardening, reading, music and spending time with her husband, children, and grandchildren.
Securities Agent: WA, AK, AL, AZ, CA, CO, CT, FL, GA, ID, IL, MD, MI, MN, MT, NJ, NV, NY, OK, OR, PA, TN, TX, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1294032
NMLS#: 1294032
About Jennifer A Lucke
Jennifer began her career in financial services at our Spokane office in 1987, working in Operations while earning her degree at Eastern Washington University. After working in a different field after graduation, it didn't take long to find the financial industry calling her back. In 1994, Jennifer made the leap to Financial Advisor by obtaining her FINRA Series 7, Series 63 and Series 65 licenses. She is also a Financial Planning Specialist. Being a second-generation member of the team, Jennifer feels it is the multi-generational client relationships that make this career enjoyable and fulfilling.
Jennifer and her husband have two adult children and enjoy going to concerts and plays, dining out and travelling around the beautiful Northwest.
Jennifer and her husband have two adult children and enjoy going to concerts and plays, dining out and travelling around the beautiful Northwest.
Securities Agent: NE, WA, MI, IL, ID, FL, CA, UT, CO, VA, TX, NY, MT, OR, GA, NV, MN, MD, TN, OK, AL, AZ, NJ, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1295561
NMLS#: 1295561
About Mescal Smith
As a Financial Advisor with the TLC Group, Mescal focuses on creating customized wealth management strategies, investment portfolios and financial plans for our clients and their families. She believes every client deserves a financial roadmap built around their unique needs and feels building long lasting client relationships should be based on trust, integrity and exceptional client service.
Mescal began her career in the financial services industry in 1997 and prior to joining Morgan Stanley was a Complex Operations Manager at Wells Fargo Advisors where she oversaw the Wealth Management operational division of the Inland Northwest complex covering Washington, Idaho and Montana. She currently holds Morgan Stanley's Financial Planning Specialist designation and her FINRA Series 7, Series 9, Series 10, and Series 66 licenses.
When not in the office, or driving her two teenage daughters to their various sporting events, she and her husband enjoy spending time with their family and friends boating, camping, hiking and skiing.
Mescal began her career in the financial services industry in 1997 and prior to joining Morgan Stanley was a Complex Operations Manager at Wells Fargo Advisors where she oversaw the Wealth Management operational division of the Inland Northwest complex covering Washington, Idaho and Montana. She currently holds Morgan Stanley's Financial Planning Specialist designation and her FINRA Series 7, Series 9, Series 10, and Series 66 licenses.
When not in the office, or driving her two teenage daughters to their various sporting events, she and her husband enjoy spending time with their family and friends boating, camping, hiking and skiing.
Securities Agent: TN, NJ, MT, GA, FL, AL, UT, AK, WA, NY, NV, MN, ID, CA, AZ, OR, MI, OH, IL, OK, MD, CO, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1975041
NMLS#: 1975041
About Tracy Taylor
As a Portfolio Associate with the TLC Group, Tracy focuses on building strong client relationships and providing superior service. She is committed to providing each client with the highest level of personal service and integrity. Her primary responsibilities include onboarding new clients, scheduling meetings, executing trade orders and helping clients manage their personal, business and cash management accounts.
Tracy began her career in the financial services industry in 1987 in Yakima, WA. She then moved to Spokane, WA in 2000 and began working with Bea and Jennifer. She currently holds her FINRA Series 7, Series 63 and Series 66 licenses as well as a life insurance license.
In her spare time Tracy enjoys spending time with her husband and their 4 adult children. She and her husband also enjoy travelling and experiencing new things.
Tracy began her career in the financial services industry in 1987 in Yakima, WA. She then moved to Spokane, WA in 2000 and began working with Bea and Jennifer. She currently holds her FINRA Series 7, Series 63 and Series 66 licenses as well as a life insurance license.
In her spare time Tracy enjoys spending time with her husband and their 4 adult children. She and her husband also enjoy travelling and experiencing new things.
Contact Berit A Thompson
Contact Jennifer A Lucke
Contact Mescal Smith
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 TLC Group today.
1Morgan 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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
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 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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
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 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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
