Greg Todd
Vice President, Financial Advisor, Branch Manager
Phone:
(559) 636-5658(559) 636-5658
The Todd Group at Morgan Stanley
Direct:
(559) 733-7211(559) 733-7211
Our Mission Statement
We provide a personalized approach to financial planning that strives to help you unlock the power of your wealth while simplifying your financial life.
Our Story and Services
As you become more successful and your financial world becomes more complex, careful planning and tailored advice become even more important to achieving your career and life goals.
At The Todd Group, we understand the challenges you face. We provide a personalized approach to financial planning that strives to help you unlock the power of your wealth while simplifying your financial life.
With our office right in the heart of beautiful Visalia, CA and clients all over the country, we’ve built our practice on a foundation of sound investment principles that seek to provide financial strength and stability to you and your family now and for the years ahead.
Our father-son team with over 25 years of cumulative experience has a consultative approach that covers the spectrum of customized financial solutions – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy. We combine our many talents with the global resources of Morgan Stanley to create a wealth management experience that is uniquely yours.
As you begin to work with us, you will experience a premium level of service that prioritizes your best interests and aims to exceed your expectations every day. We are proud of the personalized strategies we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
At The Todd Group, we understand the challenges you face. We provide a personalized approach to financial planning that strives to help you unlock the power of your wealth while simplifying your financial life.
With our office right in the heart of beautiful Visalia, CA and clients all over the country, we’ve built our practice on a foundation of sound investment principles that seek to provide financial strength and stability to you and your family now and for the years ahead.
Our father-son team with over 25 years of cumulative experience has a consultative approach that covers the spectrum of customized financial solutions – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy. We combine our many talents with the global resources of Morgan Stanley to create a wealth management experience that is uniquely yours.
As you begin to work with us, you will experience a premium level of service that prioritizes your best interests and aims to exceed your expectations every day. We are proud of the personalized strategies we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
Services Include
- AnnuitiesFootnote1
- Asset Management
- 529 PlansFootnote2
- Cash ManagementFootnote3
- Certificates of DepositFootnote4
- Corporate BondsFootnote5
- Corporate Retirement PlansFootnote6
- Exchange Traded FundsFootnote7
- Executive Financial ServicesFootnote8
- Financial PlanningFootnote9
- Fixed IncomeFootnote10
- Life InsuranceFootnote11
- Municipal BondsFootnote12
- Precious MetalsFootnote13
- Professional Portfolio ManagementFootnote14
- Qualified Retirement PlansFootnote15
- Retirement PlanningFootnote16
- Stock Option PlansFootnote17
- Trust AccountsFootnote18
- UGMA/UTMAFootnote19
- Wealth ManagementFootnote20
- Wealth PlanningFootnote21
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS
Our aim is to build customized solutions from the ground up that utilize our experience paired with the intellectual capital of Morgan Stanley. Our goals-based process leads to strategies that not only help us to reach specific financial targets, but also reflect who you are and how you plan to enjoy your hard-earned wealth.
Discover
We begin with a conversation to understand your priorities. This is your opportunity to learn about us, as we get to know you. We then review your financial documents to fully understand your current financial situation.
Analyze
We utilize a variety of planning and risk analysis tools to identify appropriate solutions and then stress-test each recommendation before formalizing your custom plan.
Present
We present your plan in detail, which includes investment recommendations, as well as other strategies aimed at reducing risk, minimizing taxes, and achieving your estate planning goals. Based on our discussion, we will revise your plan accordingly.
Implement
Upon your approval, we begin to implement each strategy. We collaborate with your CPA and estate attorney to help ensure continuity. We believe in full transparency and keep you involved each step of the way.
Continuing Service
We meet with you regularly to track performance towards your goals, discuss changes in your life, and update our strategies as needed.
Are you prepared for the various aspects of your life?
We have been assisting clients to not only achieve their financial dreams, but also maintain their desired lifestyle throughout all aspects of their lives. There is no better feeling than helping clients maintain or even improve their lifestyle, especially after retiring! Our goal is to help plan, prepare, and execute your financial plan for retirement, family, or any other aspect of your life. Below are important points and tips that everyone should be aware of when planning for their goals.
5 Common Myths about Retirement Planning
Even if you’re decades away from retirement, there’s no time like the present to start planning. Discover five common misconceptions to avoid and how to build healthy wealth habits today.
5 Common Myths
Investing in a Loved One's Education
With education costs rising ever higher, planning your funding strategy today can help ease financial anxiety for your family.
Find answers to key questions here:
Planning For The Rising Costs of Healthcare
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Preparing For Higher Costs
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Learn MoreUpcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
Digital Tools
Morgan Stanley's comprehensive suite of digital tools are designed to enhance every aspect of your financial life. Here are some of the technologies we offer our clients to help you manage your wealth.
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley Mobile App provide you with access to your account information, enhanced reporting tools, market research, and cash management solutions. Your everyday finances and investments are always just a few clicks away with Morgan Stanley Online.
Learn More About MSO
Total Wealth View
Complete your financial picture with total wealth view. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More about Total Wealth View
Goals Based Planning
Our Goals Planning System can tailor an investment framework that considers key aspects of your life such as retirement, home buying, legacy needs, and other strategies. Working with us paired with Morgan Stanley technology is a great way to access tailored advice and build a holistic wealth plan.
Learn More About Our Planning Tools
Online Security Center
Safeguarding your assets and personal information is one of our highest priorities at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources that are geared towards helping you stay protected online.
Learn More About Online Security CenterLocation
520 West Main Street
Visalia, CA 93291
US
Direct:
(559) 733-7211(559) 733-7211
Meet The Todd Group
Eric Daniel Todd
Financial Advisor, Vice President
Phone:
(559) 636-5644(559) 636-5644
Bryon Todd
Financial Advisor
Phone:
(559) 636-5645(559) 636-5645
About Greg Todd
Greg Todd is both a branch manager and financial advisor for Morgan Stanley. A US Navy veteran with a massive interest in the financial industry, Greg joined the firm in 1996 as a financial advisor, becoming a branch manager in 2006. With a passion for helping people, Greg takes great pride in being able to guide other's towards acquiring and maintaining their wealth.
Paired with his over 25 years of experience and his Accounting/Finance degree from Cal State University of Fresno, Greg is well versed in the firms intellectual capital and uses these points to help his clients meet all of their financial goals.
Beyond the office, Greg loves to spend his time fishing, hiking, and travelling with his wife Kathy. He also enjoys volunteering his time to help with veteran support organizations. Greg also has four amazing kids, including his son, Eric, who he is proud to work beside in the Todd Group at Morgan Stanley.
Paired with his over 25 years of experience and his Accounting/Finance degree from Cal State University of Fresno, Greg is well versed in the firms intellectual capital and uses these points to help his clients meet all of their financial goals.
Beyond the office, Greg loves to spend his time fishing, hiking, and travelling with his wife Kathy. He also enjoys volunteering his time to help with veteran support organizations. Greg also has four amazing kids, including his son, Eric, who he is proud to work beside in the Todd Group at Morgan Stanley.
Securities Agent: VI, SD, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, UT, VA, WA, WI, VT, WY, WV, LA, MD, ME, MI, NH; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 363937
CA Insurance License #: #OA39403
NMLS#: 363937
CA Insurance License #: #OA39403
About Eric Daniel Todd
Eric Todd is a financial advisor who has been with Morgan Stanley since 2015. Having always felt drawn to the financial industry, Eric is very passionate about his position with Morgan Stanley and pays close attention to detail. A family oriented man, Eric feels very fortunate to be able to work alongside his father, Greg, in the Todd Group.
With a goal to treat each of his clients like his own family, Eric does all that he can to provide extremely detailed plans that are customized to each client's unique situation. Finding the most fulfillment in being able to navigate clients on their journey to financial success, Eric feels honored to be a part of each client's individual experience.
Born and raised in Visalia, California, Eric has always stayed local to his community. Through various clubs and churches, Eric has volunteered within his hometown for several decades. Graduating from the University of California, Santa Barbara, his degree in philosophy allows him to better understand and appreciate those around him. He holds great joy that he can use these perspectives to each of his clients meet their personal goals.
Outside of work, Eric is always happiest to spend time with his wife, Lacey, their 3 young children, and their two energetic dogs. With a passion for the outdoors, some of Eric's favorite pastimes include sailing, golfing, kayaking, and hiking.
With a goal to treat each of his clients like his own family, Eric does all that he can to provide extremely detailed plans that are customized to each client's unique situation. Finding the most fulfillment in being able to navigate clients on their journey to financial success, Eric feels honored to be a part of each client's individual experience.
Born and raised in Visalia, California, Eric has always stayed local to his community. Through various clubs and churches, Eric has volunteered within his hometown for several decades. Graduating from the University of California, Santa Barbara, his degree in philosophy allows him to better understand and appreciate those around him. He holds great joy that he can use these perspectives to each of his clients meet their personal goals.
Outside of work, Eric is always happiest to spend time with his wife, Lacey, their 3 young children, and their two energetic dogs. With a passion for the outdoors, some of Eric's favorite pastimes include sailing, golfing, kayaking, and hiking.
Securities Agent: NM, ID, CO, OK, NY, AZ, MS, IL, DC, MO, HI, FL, TX, PA, SC, NJ, GA, CA, WA, OR, OH, NV, CT, MI, UT, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1700901
CA Insurance License #: 0K61624
NMLS#: 1700901
CA Insurance License #: 0K61624
About Bryon Todd
Securities Agent: NY, UT, HI, MI, MO, MS, WA, SC, NV, ID, CT, CA, IL, TX, CO, OR, FL, TN, PA, OK, AZ; General Securities Representative; Investment Advisor Representative
Contact Greg Todd
Contact Eric Daniel Todd
Contact Bryon Todd
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Savanah Arellano
Associate Private Banker
About Savanah Arellano
Savanah Arellano is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Nevada and California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at U.S. Bancorp.
She lives in Las Vegas, NV with her family. Outside of the office, Savanah enjoys reading, cooking and spending time with her kids at their sporting events and volunteering in their classrooms.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at U.S. Bancorp.
She lives in Las Vegas, NV with her family. Outside of the office, Savanah enjoys reading, cooking and spending time with her kids at their sporting events and volunteering in their classrooms.
NMLS#: 679740
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact The Todd Group today.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Morgan 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
4Investors 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
9Morgan 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
14Morgan 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.
15When 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.
16When 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.
17Morgan 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.
18Morgan 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.
19Morgan 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.
20Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
21Morgan 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.
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:
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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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Morgan 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
4Investors 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
9Morgan 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
14Morgan 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.
15When 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.
16When 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.
17Morgan 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.
18Morgan 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.
19Morgan 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.
20Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
21Morgan 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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)