Michael E Warren, CFP®, CPWA®, CIMA®
Senior Vice President, Financial Advisor, Family Wealth Director, Senior Investment Management Consultant, Certified Investment Management Analyst
Phone:
(317) 818-7317(317) 818-7317
The Warren Daniels Group at Morgan Stanley
Direct:
(317) 818-7317(317) 818-7317
Toll-Free:
(866) 801-2524(866) 801-2524
Our Mission Statement
We help individuals and families optimize their financial health, so they can focus more on their passions in life. We are a team with several decades of combined experience that emphasizes the importance of personal relationships, excellent service, tailored financial planning and investment strategies backed by the resources of a global firm.
Welcome
As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Often, evaluating these options and wisely choosing among them may require the guidance of an experienced team of advisors — a team who not only understands your diverse needs, but has access to customized programs that can be properly utilized to provide you with strategies.
At The Warren Group at Morgan Stanley, we focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
We use a goals-based investment approach that measures success by how you’re progressing toward meeting the goals most important to you. It enables you to stay flexible and proactive in managing your portfolio and identifies ways to help improve your results by either altering saving and spending behaviors or changing strategies. Ultimately, goals-based investing empowers you to be more confident in your investment decisions.
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
At The Warren Group at Morgan Stanley, we focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
We use a goals-based investment approach that measures success by how you’re progressing toward meeting the goals most important to you. It enables you to stay flexible and proactive in managing your portfolio and identifies ways to help improve your results by either altering saving and spending behaviors or changing strategies. Ultimately, goals-based investing empowers you to be more confident in your investment decisions.
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Wealth ManagementFootnote3
- Professional Portfolio ManagementFootnote4
- Asset Management
- Cash ManagementFootnote5
- 401(k) Rollovers
- Estate Planning StrategiesFootnote6
- 529 PlansFootnote7
- Planning for Education FundingFootnote8
- Sustainable InvestingFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Consultative Process
Charting a prudent course to financial independence begins with a well-crafted wealth management plan, a prudent investment philosophy and a proven process that is followed with diligence and care. Our four-step process provides the context to develop and implement highly customized strategies designed to help you attain your specific financial goals.
1. Discovery
During the discovery discussion, we will ask many questions to understand what matters most to you. We’ll talk about the lifestyle you enjoy, your passions and your concerns. Our conversation will also explore personal values, key relationships, details about your current investment portfolio, preferred manner of communication, as well as identify the other professional advisors with whom you currently work. Capturing all of this information will enable us to map out a long-term strategy, ensuring each facet of your financial situation is working together effectively.
2. Analysis and Recommendation
Based on our dialogue, we will analyze your personal and financial information, assess risks and identify any potential threats to your financial health. We will then present appropriate investment options that are designed to work together to help grow your portfolio and achieve your financial goals. We may also present several wealth management recommendations that often encompass cash flow management strategies, risk management solutions, as well as estate, trust and philanthropic services.
3. Implementation
Once you’ve approved your wealth management plan, we will work closely with you to help ensure the various elements of your plan integrate well with one another. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, such as estate planning and tax minimization strategies. Whatever approach we implement, we will help keep your strategy on track.
4. Reviewing Objectives
Ongoing communication is a vital component of our relationship and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings. We will review your portfolio at your request and whenever you feel your circumstances have changed. We will then seek to make certain your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address changes in your life or your long-term objectives.
Modern Wealth Management Tools
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Learn More About Family Office ResourcesThe term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services
Learn More About MS Reserved
Cybersecurity
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. 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.
Learn More About Online Security
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 ViewLocation
800 East 96 St
Ste 400
Indianapolis, IN 46240
US
Direct:
(317) 818-7317(317) 818-7317
Toll-Free:
(866) 801-2524(866) 801-2524
Meet The Warren Daniels Group
Paul E. Daniels
First Vice President, Financial Advisor, Insurance Planning Director, Investment Management Consultant
Phone:
(317) 818-7350(317) 818-7350
Anne-Marie McCullough
Portfolio Associate
Phone:
(317) 818-7375(317) 818-7375
Amelia Warren
Client Services Associate
Phone:
(317) 818-7396(317) 818-7396
About Michael E Warren
A professional in the financial services industry since 1982, Mike aims to deliver customized financial plans for clients to help them achieve their long-term goals and realize their dreams. He began his career with the U.S. Air Force and served as a pilot in both the Air Force and Air Guard for 10 years. Mike also worked as a Certified Public Accountant before joining Morgan Stanley, now nonpracticing. He has achieved the Family Wealth Director designation, which is comprised of less than 4% of Morgan Stanley Financial Advisors who have completed a meticulous training program, as of September 2018.
A native of Indiana, Mike graduated from the University of Charleston with a BS in Accounting. He, his wife, Lisa and daughter, Amelia currently reside outside Noblesville with their dogs, cats and horses. Mike is active in his church, St. Marks United Methodist, Carmel Rotary Club, Sky Vu Flyers, Central Indiana Soaring Society and is a board member with the Indiana Quarter Horse Association. In his free time, he can be found enjoying life with his family on his horse farm or up above piloting the skies.
A native of Indiana, Mike graduated from the University of Charleston with a BS in Accounting. He, his wife, Lisa and daughter, Amelia currently reside outside Noblesville with their dogs, cats and horses. Mike is active in his church, St. Marks United Methodist, Carmel Rotary Club, Sky Vu Flyers, Central Indiana Soaring Society and is a board member with the Indiana Quarter Horse Association. In his free time, he can be found enjoying life with his family on his horse farm or up above piloting the skies.
Securities Agent: KS, IN, IA, AZ, PA, MI, IL, VA, MD, FL, UT, TX, MO, NY, MA, DC, CA, WV, OH, NM, NC, CT, CO, NV, MS, GA, VT, SC, TN, OR, NE, MT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1549166
NMLS#: 1549166
About Paul E. Daniels
A financial services professional with nearly two decades of experience, Paul focuses on personalized financial planning for families, retirees, and business owners. Paul has experience with difficult markets and views helping construct resilient portfolios as one of the most important roles he serves. His process aims to provide clients the confidence of achieving and maintaining their financial goals with the highest level of personalized service, which has led to Paul being named a Five Star Wealth Manager for eight consecutive years, from 2014 through 2022.
Paul spent the majority of his childhood in Seymour, IN and graduated from Anderson University with a BA degree in Marketing and a Finance minor. He and his wife, Janelle, live in Noblesville with their children, Luke, Nate and Emily. They are active members of Venture Christian Church. When Paul is outside of the office he enjoys traveling with family and watching sports, especially college basketball.
2014-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Paul spent the majority of his childhood in Seymour, IN and graduated from Anderson University with a BA degree in Marketing and a Finance minor. He and his wife, Janelle, live in Noblesville with their children, Luke, Nate and Emily. They are active members of Venture Christian Church. When Paul is outside of the office he enjoys traveling with family and watching sports, especially college basketball.
2014-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: TX, CA, VA, OR, ME, IL, NV, OK, NC, IN, CO, SC, OH, MS, GA, MO, KY, DC, CT, WV, PA, NM, NE, IA, TN, FL, VT, NY, MI, MA, UT, MD, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290587
NMLS#: 1290587
About Anne-Marie McCullough
Anne-Marie has 26 years of experience and an array of skills and knowledge to provide the best support possible for the team and our clients. Her main goal is to ensure that every client is respected as an individual and never treated as simply a number.
Anne-Marie graduated from Indiana Christian Academy in Anderson and then attended ITT Technical Institute where she received her legal secretarial degree. She began in the finance industry in 1995 when she joined Smith Barney at their downtown Indianapolis office. She was then with Morgan Stanley from 2007 to 2019, and is very excited to be back.
In her spare time, you can find Anne-Marie at Hilbert Circle Theatre listening to the Indianapolis Symphony Orchestra, attending Symphony on the Prairie at Conner Prairie, or at the Music in the Park concert series. She also enjoys going to state parks and is very active within her church.
Anne-Marie graduated from Indiana Christian Academy in Anderson and then attended ITT Technical Institute where she received her legal secretarial degree. She began in the finance industry in 1995 when she joined Smith Barney at their downtown Indianapolis office. She was then with Morgan Stanley from 2007 to 2019, and is very excited to be back.
In her spare time, you can find Anne-Marie at Hilbert Circle Theatre listening to the Indianapolis Symphony Orchestra, attending Symphony on the Prairie at Conner Prairie, or at the Music in the Park concert series. She also enjoys going to state parks and is very active within her church.
About Amelia Warren
Amelia was born in Florida but has spent the majority of her life here in Indiana, although she will tell you that the ocean still calls her name. She attended DePauw University in Greencastle, Indiana and earned a Bachelor of Arts. While there, her academics were focused on her major, art history, and her two minors, education studies and anthropology. She filled her time at DePauw with three honor societies, running DePauw’s chapter of a collegiate magazine, mentoring and tutoring at-risk youth, and volunteering at the university’s art galleries. Her summers during college were spent interning at a non-profit, the Saint Louis Art Museum, and Morgan Stanley where she learned a vast array of skills.
After graduation, she was rehired by DePauw University to finish the work she started in her final semester, and a few months later, her work was published and she became an accredited curator of Infinite Splendor, Infinite Light: The Bruce Walker ’53 Collection of Tibetan Religious Art. After her time in the art world, Amelia returned home to work on the family horse farm as the Marketing Manager, where she helped to promote horses and the breeding program until then joining the Warren Group.
When she is not working, Amelia can usually be found spending time with the horses, volunteering, starting up a new art project, or exploring with her beloved doodle, Benson.
After graduation, she was rehired by DePauw University to finish the work she started in her final semester, and a few months later, her work was published and she became an accredited curator of Infinite Splendor, Infinite Light: The Bruce Walker ’53 Collection of Tibetan Religious Art. After her time in the art world, Amelia returned home to work on the family horse farm as the Marketing Manager, where she helped to promote horses and the breeding program until then joining the Warren Group.
When she is not working, Amelia can usually be found spending time with the horses, volunteering, starting up a new art project, or exploring with her beloved doodle, Benson.
Contact Michael E Warren
Contact Paul E. Daniels
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Warren Daniels 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.
1When 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8When 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.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1When 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8When 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.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
