Marcus Lyman II, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Certified Investment Management Analyst
Phone:
(985) 624-6961(985) 624-6961
The Trinity Group at Morgan Stanley
Our Mission Statement
Through experience, intellectual capital, and clear communication, we strive to provide financial confidence by delivering tailored objective advice designed to help give clients the framework and confidence to achieve their goals.
Our Approach
At The Trinity Group, wealth management means far more than just giving investment advice. To us, it means providing the guidance and ideas to address virtually all phases of your financial life. As Financial Advisors, our goal is to help identify the proper guidance and strategies that are suitable for you along life’s journey—seeking to help you grow, preserve and then ultimately transfer your wealth on to the next generation.
Our team has the knowledge and experience to help navigate the planning process—which is an ongoing process of preparing for and reacting to critical life events, such as a job change, retirement, an unexpected expense or inheritance. We are well-equipped to offer feedback and help navigate these events by providing our clients with access to the investment products, industry professionals and innovative technology that Morgan Stanley is known for. We believe that all of these tools are necessary in order to help you make informed, confident decisions about your finances.
As your Financial Advisors, our role is to make sure you not only have the in-depth planning and investment advice that we focus on, but to provide you with access to the various professionals that can offer insight on all of your financial needs, including tax, banking, lending and legal issues. We are committed to acting as your Financial Advisor—putting your interests first—and developing a lifetime relationship that is built on confidence and competency.
Our team has the knowledge and experience to help navigate the planning process—which is an ongoing process of preparing for and reacting to critical life events, such as a job change, retirement, an unexpected expense or inheritance. We are well-equipped to offer feedback and help navigate these events by providing our clients with access to the investment products, industry professionals and innovative technology that Morgan Stanley is known for. We believe that all of these tools are necessary in order to help you make informed, confident decisions about your finances.
As your Financial Advisors, our role is to make sure you not only have the in-depth planning and investment advice that we focus on, but to provide you with access to the various professionals that can offer insight on all of your financial needs, including tax, banking, lending and legal issues. We are committed to acting as your Financial Advisor—putting your interests first—and developing a lifetime relationship that is built on confidence and competency.
Services Include
- Wealth ManagementFootnote1
- AnnuitiesFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Alternative InvestmentsFootnote4
- Estate Planning StrategiesFootnote5
- Donor Advised Funds
- Corporate Retirement PlansFootnote6
- Asset Management
- Cash ManagementFootnote7
- Financial PlanningFootnote8
- Professional Portfolio ManagementFootnote9
- Qualified Retirement PlansFootnote10
- Trust AccountsFootnote11
- 529 PlansFootnote12
- Long-term Care InsuranceFootnote13
- Corporate Investment SolutionsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
As your financial life evolves, so do your goals. No matter the stage of your journey, we partner with our clients to help them navigate the challenges presented throughout each stage.
Our Proces
At The Trinity Group, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Certified Investment Management Analyst® (CIMA®)
CIMA® professionals have the advanced investment management expertise necessary to serve affluent individuals, families and institutions, and use that in-depth knowledge to help provide solutions that most closely align with your goals and objectives.
Marc holds this designation.
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Bentley holds this designation.
Chartered Financial Consultant® (ChFC®)
Chartered Financial Consultant is a professional designation representing the completion of a comprehensive course consisting of financial education, examinations, and practical experience.
Richard holds this designation.
Chartered Life Underwriter® (CLU®)
Chartered life underwriter (CLU) is a professional designation for individuals who specialize in life insurance and estate planning.
Richard holds this designation.
Forbes' Best In-State Wealth Advisors
Richard has been named to Forbes magazine Best-In-State Wealth Advisors from 2019 to 2024.
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2019, 2020, 2021, 2022, 2023, and 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Monthly Outlooks & Updates
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
A Firm You Can Trust
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. Our commitment to building, preserving and managing the wealth of our clients forms the foundation of everything we do.
Global Investment Committee's "On the Markets"
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Thoughts on the Market
We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. Follow the link below to listen to perspectives on the forces shaping markets.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Portfolio Management
Portfolio management is a key tool for financial growth and is relevant to both individual investors as well as organizations. Making the most of an investment portfolio involves developing a focused strategy that can help gauge market risks and maximize returns successfully
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan. Utilizing these strategies can help you enjoy more of your nest egg.
Modern Wealth Tools
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We strive to ensure we serve our clients with market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances.
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
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.
Digital Vault
Digital Vault lets you easily and conveniently manage and share life's most important documents, such as wills, deeds and estate plans as well as financial and tax filings.
Security Center: How to Protect Yourself Online
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Location
1261 West Causeway Approach
Mandeville, LA 70471
US
Direct:
(985) 624-6900(985) 624-6900
Meet The Trinity Group
George Lampard III
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(985) 624-6937(985) 624-6937
Richard M Wilson, CLU®, ChFC®
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(985) 624-6902(985) 624-6902
Bentley Harvey III, CFP®
First Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(985) 624-6943(985) 624-6943
Charleen L. Gustafson
Senior Registered Associate
Phone:
(985) 624-6962(985) 624-6962
Liz Wax
Senior Registered Client Service Associate
Phone:
(985) 624-6949(985) 624-6949
About Marcus Lyman II
Marc brings 32 years of financial services experience to the team and currently serves as Senior Vice President, Wealth Management of The Trinity Group. His responsibilities include overseeing and implementing much of the financial planning and estate planning the group does for clients and holds the title of Portfolio Management Director at Morgan Stanley, allowing him to manage client portfolios on a discretionary basis. He has also earned the Certified Investment Management Analyst (CIMA®) designation.
Born and raised in Metairie, La., Marc is a graduate of Metairie Park Country Day School. He attended Spring Hill College, earning a Bachelor of Science degree in Business with a concentration in Finance. After graduating, Marc spent eight years working for his father’s insurance practice before making the transition into financial services in 1998. He spent the next eight years as a financial advisor for Hibernia Investments, covering the Covington and Washington Parish market. He ultimately made the move to Morgan Stanley in 2006 and a year later formed The Trinity Group along with partner J.O. Sanders.
Marc and his wife, Angelle, live in Mandeville and have two adult children—Kemper and Katie. He is a former Chairman of the Board at Northlake Christian School, where he served as a board member for over eight years. He is also actively involved in his church where he has served in many capacities. Away from the office, Marc lives an active lifestyle and has competed in numerous triathlons over the years. He also enjoys the outdoors and spending time with loved ones at his family’s place in Pass Christian, Ms.
Born and raised in Metairie, La., Marc is a graduate of Metairie Park Country Day School. He attended Spring Hill College, earning a Bachelor of Science degree in Business with a concentration in Finance. After graduating, Marc spent eight years working for his father’s insurance practice before making the transition into financial services in 1998. He spent the next eight years as a financial advisor for Hibernia Investments, covering the Covington and Washington Parish market. He ultimately made the move to Morgan Stanley in 2006 and a year later formed The Trinity Group along with partner J.O. Sanders.
Marc and his wife, Angelle, live in Mandeville and have two adult children—Kemper and Katie. He is a former Chairman of the Board at Northlake Christian School, where he served as a board member for over eight years. He is also actively involved in his church where he has served in many capacities. Away from the office, Marc lives an active lifestyle and has competed in numerous triathlons over the years. He also enjoys the outdoors and spending time with loved ones at his family’s place in Pass Christian, Ms.
Securities Agent: OH, AL, OR, DC, CT, TN, MA, KS, CA, AR, WA, SC, LA, CO, WV, VA, NJ, MS, NV, PA, NC, MD, IL, AZ, TX, OK, MI, NY, KY, GA, FL, MN, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1368453
NMLS#: 1368453
About George Lampard III
A Northshore native, George is a graduate of Mandeville High School. He attended Loyola University in New Orleans, where he double majored in Marketing and Management. Upon graduating from Loyola, George entered the financial services industry and has spent the past two decades working as a financial advisor throughout St. Tammany Parish.
In 2012, George made the transition to Morgan Stanley and joined The Trinity Group after spending the previous 13 years with Hibernia Investments/Capital One Investing. He currently serves as Vice President, Wealth Management of The Trinity Group and plays an integral role on the team, assisting with onboarding and servicing new clients as well as developing and maintaining investment advisory relationships.
George and his wife, Molly, have three children: Julia, Mason and Blake. George is quite active in his church—First Baptist of Mandeville—where he serves on the church’s Finance Committee. He’s very engaged in the lives of his children, including serving as a volunteer coach for them in numerous sports, especially baseball.
In 2012, George made the transition to Morgan Stanley and joined The Trinity Group after spending the previous 13 years with Hibernia Investments/Capital One Investing. He currently serves as Vice President, Wealth Management of The Trinity Group and plays an integral role on the team, assisting with onboarding and servicing new clients as well as developing and maintaining investment advisory relationships.
George and his wife, Molly, have three children: Julia, Mason and Blake. George is quite active in his church—First Baptist of Mandeville—where he serves on the church’s Finance Committee. He’s very engaged in the lives of his children, including serving as a volunteer coach for them in numerous sports, especially baseball.
Securities Agent: TN, GA, TX, NC, KY, KS, AL, WI, VA, OR, OK, OH, PA, AZ, WV, CO, AR, LA, DC, NV, NJ, MS, FL, CT, CA, MI, WA, MN, MD, MA, IL, SC, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1347337
NMLS#: 1347337
About Richard M Wilson
Richard has been with Morgan Stanley and its predecessor firms since 2001 and currently serves as Senior Vice President, Wealth Management of The Wilson/Harvey Group. An East Texas native, Richard earned his Bachelor of Science degree in Finance from Louisiana State University. He is a CHARTERED LIFE UNDERWRITER™ and a CHARTERED FINANCIAL CONSULTANT™. Prior to joining Morgan Stanley, Richard spent 14 years with AXA, mostly in financial planning and management roles. Since 2019, Richard has been named to Forbes Magazine’s list of America’s Best-In-State Wealth Advisors.
Richard and his wife, Hope, live in Mandeville and are the proud parents of three adult children – one daughter and twin sons – as well as grandparents to two grandsons. As the father of a child with autism, Richard has been active in the local autism community over the years, taking part in various fundraising and awareness efforts. He is also a past Board Chairman of the St. Tammany Chamber of Commerce. In his spare time Richard enjoys an active lifestyle which includes plenty of exercise, , golf and travel.
Richard and his wife, Hope, live in Mandeville and are the proud parents of three adult children – one daughter and twin sons – as well as grandparents to two grandsons. As the father of a child with autism, Richard has been active in the local autism community over the years, taking part in various fundraising and awareness efforts. He is also a past Board Chairman of the St. Tammany Chamber of Commerce. In his spare time Richard enjoys an active lifestyle which includes plenty of exercise, , golf and travel.
Securities Agent: VA, NC, MS, KY, KS, DC, CO, AL, TX, NJ, SC, MN, MD, GA, FL, WA, MI, CT, TN, OH, IL, WV, NY, OK, MA, AZ, AR, PA, NV, LA, WI, OR, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1416410
AR Insurance License #: 1116203
NMLS#: 1416410
AR Insurance License #: 1116203
About Bentley Harvey III
Bentley Harvey joined Morgan Stanley as a Financial Advisor in November of 2017. He is a CERTIFIED FINANCIAL PLANNER™ and previously spent time as portfolio manager for a local private investment firm where he was responsible for implementing various investment strategies. Prior to entering the financial services field, Bentley worked as a financial analyst at a New Orleans-based healthcare company.
A graduate of Jesuit High School in New Orleans, Bentley holds a Bachelor of Science degree in Finance from Louisiana State University. He and his wife, Deslonde, live in Covington and are the proud parents of two daughters and one son. In his free time, Bentley loves to cook and enjoys an active lifestyle, which includes plenty of golf and tennis.
A graduate of Jesuit High School in New Orleans, Bentley holds a Bachelor of Science degree in Finance from Louisiana State University. He and his wife, Deslonde, live in Covington and are the proud parents of two daughters and one son. In his free time, Bentley loves to cook and enjoys an active lifestyle, which includes plenty of golf and tennis.
Securities Agent: FL, TX, GA, CO, PA, OR, KS, CA, WI, MD, MA, WA, NJ, CT, AZ, OH, NC, KY, WV, OK, NY, NV, MN, LA, AL, IL, DC, AR, TN, MS, MI, VA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 223717
NMLS#: 223717
About Charleen L. Gustafson
Born and raised in Metairie, Charleen has called the Northshore home for nearly 30 years. She began her career with Prudential Securities in New Orleans, where she spent three years before joining Morgan Stanley's predecessor firm, Legg Mason. Collectively, Charleen has 24 years of industry experienceall in client service roles. She has been a member of The Trinity Group since it formed in 2007 and currently serves as Senior Registered Associate.
Charleen's primary focus is servicing the group's clients, that includes answering questions about their accounts, processing trade orders and paperwork as well as ensuring that cash management, money transfers and distribution requests are taken care of. Ultimately, she is committed to helping advisors provide exceptional service and a great experience for clients.
Charleen and her husband, Vic, are the proud parents of four children, daughters, Nicole and Shannon and sons Scott and Sean. Away from the office, she loves being on the waterthat includes frequent trips to the beach, fishing in South Louisiana or going kayaking with friends and family.
Charleen's primary focus is servicing the group's clients, that includes answering questions about their accounts, processing trade orders and paperwork as well as ensuring that cash management, money transfers and distribution requests are taken care of. Ultimately, she is committed to helping advisors provide exceptional service and a great experience for clients.
Charleen and her husband, Vic, are the proud parents of four children, daughters, Nicole and Shannon and sons Scott and Sean. Away from the office, she loves being on the waterthat includes frequent trips to the beach, fishing in South Louisiana or going kayaking with friends and family.
About Liz Wax
Liz rejoined Morgan Stanley in March of 2019, bringing with her over 30 years of financial services experience. As a Registered Client Service Associate, she assists with the client onboarding processes and ensures that documents are completed properly and processed in a timely manner. She also helps clients with their routine cash management needs, such as distributions, deposits, and transfers. She takes great pride in delivering exceptional service and often serves as a key liaison between clients and the group’s financial advisors.
Liz and her husband, Mike, live in Ponchatoula and have four adult children, seven grandchildren, and a dog named Beaux. Liz enjoys fishing, watching LSU & Saints football and spending time with family and friends.
Liz and her husband, Mike, live in Ponchatoula and have four adult children, seven grandchildren, and a dog named Beaux. Liz enjoys fishing, watching LSU & Saints football and spending time with family and friends.
Contact Marcus Lyman II
Contact George Lampard III
Contact Richard M Wilson
Contact Bentley Harvey III
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Trinity Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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 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 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
8Morgan 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.
9Morgan 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.
10When 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.
11Morgan 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.
12Investors 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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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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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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 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 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
8Morgan 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.
9Morgan 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.
10When 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.
11Morgan 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.
12Investors 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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)
