

The Wiregrass Group at Morgan Stanley
C. Thomas Lee, CFP®George Liddon, CFP®Jon Lee, CFP®Lee Forehand, CIMA®, C(k)P®, QPFC, CRPS®, CRPC®J.H. Johnson
Direct:
(334) 340-4020(334) 340-4020
Toll-Free:
(877) 237-1230(877) 237-1230

Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
Our Story
The Wiregrass Group at Morgan Stanley was formed in 2002 to divide and conquer this world of financial complexity for our clients. One individual is simply incapable of knowing all that’s necessary to address these challenges alone so each of our team members bring their specific areas of focus and experience together to provide comprehensive wealth management solutions to our individual and corporate clients. We also utilize the immense resources and offerings within Morgan Stanley to ensure our clients have access to industry-leading solutions. We then wrap this capability into a strategic plan, which we design shoulder-to-shoulder with our clients and their other professionals, to help ensure that everything works seamlessly and harmoniously to help achieve their goals and objectives.
Our team also has a focus on helping companies with the management of their 401(k) and other corporate retirement plans. These services include assistance with plan governance, plan design, investment selection oversight, vendor management and education support for plan committees, plan fiduciaries and participants.
Our team also has a focus on helping companies with the management of their 401(k) and other corporate retirement plans. These services include assistance with plan governance, plan design, investment selection oversight, vendor management and education support for plan committees, plan fiduciaries and participants.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
101 O'Brannan Park Drive
Dothan, AL 36303
US
Direct:
(334) 340-4020(334) 340-4020
Toll-Free:
(877) 237-1230(877) 237-1230
Meet The Wiregrass Group
About C. Thomas Lee
Tom has worked in the financial services industry for 26 years. Tom’s role on the team includes alternative investments, structured investments, and sophisticated planning strategies for high net worth families. He also serves as the resident manager for the local office.
Tom received a Bachelor of Science degree and a Masters in Accountancy degree from Auburn University. Prior to entering the securities industry in 1999, Tom worked as a Certified Public Accountant with PriceWaterhouseCoopers in Birmingham, Alabama. In the spring of 2004, he successfully completed the requirements for the designation of Certified Financial Planner.
He has been married to his wife, Katherine, for 25 years and has two children. His hobbies include golf, fishing and snow skiing.
C.Thomas.Lee@morganstanley.com
334-340-4026
Tom received a Bachelor of Science degree and a Masters in Accountancy degree from Auburn University. Prior to entering the securities industry in 1999, Tom worked as a Certified Public Accountant with PriceWaterhouseCoopers in Birmingham, Alabama. In the spring of 2004, he successfully completed the requirements for the designation of Certified Financial Planner.
He has been married to his wife, Katherine, for 25 years and has two children. His hobbies include golf, fishing and snow skiing.
C.Thomas.Lee@morganstanley.com
334-340-4026
Securities Agent: OH, MT, NH, MI, IL, PR, TN, VI, WV, WY, WI, WA, VT, VA, UT, TX, SD, SC, RI, PA, OR, OK, NY, NV, NM, NJ, NE, ND, NC, MS, MO, MN, ME, MD, MA, LA, KY, KS, IN, ID, IA, HI, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, GA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279479
NMLS#: 1279479
About George Liddon
George has worked 22 years in the financial services industry. George is responsible for overseeing the team’s discretionary Taxable Fixed Income strategy and is involved in business development planning as well as financial planning for clients.
George attended the University of Alabama and graduated in 1996 with a Bachelor of Science degree in Commerce and Business. Prior to his current role as a Financial Advisor, he worked for Ernst & Young in Atlanta and then moved home to work for a local accounting firm as a Certified Public Accountant. In 2008 he successfully completed the requirements for the designation of Certified Financial Planner.
George and his wife, Betsy, have been married for 19 years and have four children. George enjoys spending time with his family and taking trips to the beach.
George.Liddon@morganstanley.com
334-340-4029
George attended the University of Alabama and graduated in 1996 with a Bachelor of Science degree in Commerce and Business. Prior to his current role as a Financial Advisor, he worked for Ernst & Young in Atlanta and then moved home to work for a local accounting firm as a Certified Public Accountant. In 2008 he successfully completed the requirements for the designation of Certified Financial Planner.
George and his wife, Betsy, have been married for 19 years and have four children. George enjoys spending time with his family and taking trips to the beach.
George.Liddon@morganstanley.com
334-340-4029
Securities Agent: MI, KY, GA, FL, NC, MD, MS, CT, TN, NJ, CA, NY, LA, AZ, MA, DE, AL, WY, VT, TX, SC, PA, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265023
NMLS#: 1265023
About Jon Lee
Jon has worked in the financial services industry for 24 years. He serves as the group’s technology coordinator, head of discretionary trading, and manages all insurance planning. He is also Portfolio Manager of our Capital Appreciation and Covered Call strategies.
Jon graduated from Auburn University in 1999 with a Bachelor of Science degree in Management Information Systems. Jon began his career as an insurance agent for a Fortune 100 company. After 1 year of discovering how difficult this business is, Jon joined a high net worth estate planning firm where he worked with clients and attorneys all over the country helping solve sophisticated planning issues. Following a 3 year stint with an independent insurance firm where he created a Financial Division and also served as Chief Operating Officer, Jon joined The Wiregrass Group in 2005. Continuing his interest in a career based on planning, Jon achieved the Certified Financial Planner™ designation in 2008.
Jon and his wife, Jennie, have been married for 23 years and have three active boys. Outside of the office, Jon would prefer to be at the lake or on a boat in the bay, but he will also hunt, fish, play golf, watch football and any other cliché activity men do.
Jon.D.Lee@morganstanley.com
334-340-4027
Jon graduated from Auburn University in 1999 with a Bachelor of Science degree in Management Information Systems. Jon began his career as an insurance agent for a Fortune 100 company. After 1 year of discovering how difficult this business is, Jon joined a high net worth estate planning firm where he worked with clients and attorneys all over the country helping solve sophisticated planning issues. Following a 3 year stint with an independent insurance firm where he created a Financial Division and also served as Chief Operating Officer, Jon joined The Wiregrass Group in 2005. Continuing his interest in a career based on planning, Jon achieved the Certified Financial Planner™ designation in 2008.
Jon and his wife, Jennie, have been married for 23 years and have three active boys. Outside of the office, Jon would prefer to be at the lake or on a boat in the bay, but he will also hunt, fish, play golf, watch football and any other cliché activity men do.
Jon.D.Lee@morganstanley.com
334-340-4027
Securities Agent: MS, WY, FL, TN, NC, TX, NY, MD, MA, LA, VA, GA, CT, VT, PA, MI, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275604
NMLS#: 1275604
About Lee Forehand
Lee is a Corporate Retirement Director and Financial Advisor with Morgan Stanley and has focused on 401(k) plans for over 16 years. His experience as a former IRS Enrolled Retirement Plan Agent and Third Party Administrator (TPA), along with the 17 professional designations he’s earned, is very uncommon among financial advisors. Lee’s extensive knowledge in plan design and compliance allows him to advise plan sponsors on overall plan management and fiduciary best practices rather than focusing solely on investments. This has helped Lee to stand out in the industry and be recognized nationally as one of the top 401(k) advisors in the country. He was most recently named a PLANADVISER Top Retirement Plan Adviser in 2022, 2023 & 2024 and included on the Financial Times prestigious list of “401 Top Retirement Advisors of 2020.” Lee was also recognized by the National Association of Plan Advisors (NAPA) as one of the “Top Retirement Plan Advisors Under 40” in both 2019 and 2020 and his team as a “NAPA Top DC Advisor Team” in 2019, 2020, 2021, 2022 & 2024.
Prior to joining Morgan Stanley, Lee was a partner in a regional CPA firm where he directed the Retirement Plan Services division for more than 8 years. Lee held several designations during this time which reflect his technical expertise in reference to corporate plans. These previously held designations include Qualified 401K Administrator (QKA), Qualified Pension Administrator (QPA) and Certified Pension Consultant (CPC) from the American Society of Pension Professionals & Actuaries (ASPPA) and Accredited Pension Representative (APR) and Accredited Pension Administrator (APA) from the National Institute of Pension Administrators (NIPA).
Lee received degrees in business and finance from Enterprise State Junior College and Troy University. He also received a Master’s in Financial Planning from the University of Alabama where he was a member of the Phi Kappa Phi National Honor Society and graduated with a perfect 4.0 GPA. Lee maintains more than a dozen professional designations including the Certified Investment Management Analyst (CIMA®) from the Investments & Wealth Institute & Yale School of Management , Certified 401(k) Professional (C(k)P®) from The Retirement Advisor University & UCLA Anderson School of Management, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisors and the Chartered Retirement Plans Specialist (CRPS) and Chartered Retirement Planning Counselor (CRPC) from the College for Financial Planning.
Awards Disclosures
*2022-2024 PLANADVISER Top Retirement Advisors – Source: planadviser.com (Awarded May 2022-2024) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
*2020 Financial Times 401 Top Retirement Advisors – Source: ft.com (Awarded Oct 2020) Data compiled by the Financial Times based on time period from 12/31/16-12/31/19.
*2019 & 2020 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)) – Source:napa-net.org (2019-2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
*2019-2024 NAPA's Top DC Advisor Teams – Source: napa-net.org (Awarded 2019-2024) Data compiled by NAPA based on self-reported assets under advisement (AUA) as of Dec 31 of the year prior to year the award was given.
Prior to joining Morgan Stanley, Lee was a partner in a regional CPA firm where he directed the Retirement Plan Services division for more than 8 years. Lee held several designations during this time which reflect his technical expertise in reference to corporate plans. These previously held designations include Qualified 401K Administrator (QKA), Qualified Pension Administrator (QPA) and Certified Pension Consultant (CPC) from the American Society of Pension Professionals & Actuaries (ASPPA) and Accredited Pension Representative (APR) and Accredited Pension Administrator (APA) from the National Institute of Pension Administrators (NIPA).
Lee received degrees in business and finance from Enterprise State Junior College and Troy University. He also received a Master’s in Financial Planning from the University of Alabama where he was a member of the Phi Kappa Phi National Honor Society and graduated with a perfect 4.0 GPA. Lee maintains more than a dozen professional designations including the Certified Investment Management Analyst (CIMA®) from the Investments & Wealth Institute & Yale School of Management , Certified 401(k) Professional (C(k)P®) from The Retirement Advisor University & UCLA Anderson School of Management, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisors and the Chartered Retirement Plans Specialist (CRPS) and Chartered Retirement Planning Counselor (CRPC) from the College for Financial Planning.
Awards Disclosures
*2022-2024 PLANADVISER Top Retirement Advisors – Source: planadviser.com (Awarded May 2022-2024) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
*2020 Financial Times 401 Top Retirement Advisors – Source: ft.com (Awarded Oct 2020) Data compiled by the Financial Times based on time period from 12/31/16-12/31/19.
*2019 & 2020 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)) – Source:napa-net.org (2019-2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
*2019-2024 NAPA's Top DC Advisor Teams – Source: napa-net.org (Awarded 2019-2024) Data compiled by NAPA based on self-reported assets under advisement (AUA) as of Dec 31 of the year prior to year the award was given.
Securities Agent: VA, MS, CT, MD, FL, PA, GA, WY, TN, NY, SD, CA, MI, MA, LA, AL, TX, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1472977
NMLS#: 1472977
About J.H. Johnson
J.H. has worked in the financial services industry for 5 years. J.H.’s role on the team includes new business development, financial planning, and portfolio analysis.
J.H. graduated from the University of Alabama in 2014 with a Bachelor of Science degree in Commerce and Business. In 2017, J.H. obtained his Master’s in Business Administration from UAB. Prior to his role as a financial advisor, he was a Personal Banker with Wells Fargo and a small business Controller.
Outside the office, J.H. enjoys the outdoors, cheering for the Crimson Tide or the Braves (depending on the season), and playing music.
J.H. graduated from the University of Alabama in 2014 with a Bachelor of Science degree in Commerce and Business. In 2017, J.H. obtained his Master’s in Business Administration from UAB. Prior to his role as a financial advisor, he was a Personal Banker with Wells Fargo and a small business Controller.
Outside the office, J.H. enjoys the outdoors, cheering for the Crimson Tide or the Braves (depending on the season), and playing music.
Securities Agent: MD, GA, IL, LA, CA, NC, MS, CT, VA, MO, TX, NJ, AR, FL, PA, CO, AL, VT, TN, KS, SC, OH, NY, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1394758
NMLS#: 1394758
About Pamela J. McCoy
Pam is a Senior Registered Client Service Associate with The Wiregrass Group and has worked in the financial services industry since 1982. She earned her Series 7 and Series 63 licenses in 1984 and has been a member of the team since its inception in 2002. Prior to joining Morgan Stanley in 2010, Pam held similar positions with Merrill Lynch and A.G. Edwards & Sons, Inc.
Pam focuses on servicing clients and is very involved in daily operations, account opening and maintenance, securities trading and investment research.
Pam has one son and two grandchildren. When away from the office, she enjoys reading, attending arts and crafts festivals and spending time with family.
Pam.McCoy@morganstanley.com
334-340-4023
Pam focuses on servicing clients and is very involved in daily operations, account opening and maintenance, securities trading and investment research.
Pam has one son and two grandchildren. When away from the office, she enjoys reading, attending arts and crafts festivals and spending time with family.
Pam.McCoy@morganstanley.com
334-340-4023
About D. Michelle Johnson
Michelle has multifaceted duties comprised of coordinating the overall day-to-day operations of the group, including regulatory compliance, and implementing business management systems to increase client service quality.
Michelle has been in the financial services industry for 24 years. Prior to joining the industry, she was a paralegal for a national law firm.
Michelle and her husband Chris have been married for 33 years and have two grown children. She enjoys spending time with family and reading.
Michelle.M.Johnson@morganstanley.com
334-340-4024
Michelle has been in the financial services industry for 24 years. Prior to joining the industry, she was a paralegal for a national law firm.
Michelle and her husband Chris have been married for 33 years and have two grown children. She enjoys spending time with family and reading.
Michelle.M.Johnson@morganstanley.com
334-340-4024
About Christy Coskrey
New to the financial industry, Christy has a background in marketing and also practiced as a licensed Realtor. She received her Bachelor of Science degree in Business Administration and Marketing from Troy University, and worked as the Directors of Marketing and Community Relations for advertising and healthcare facilities locally. Christy has been married to her husband Mark for 19 years and they have two sons. She enjoys painting, reading, and attending her sons’ ball tournaments.
Christy.Coskrey@morganstanley.com
334-340-4032
Christy.Coskrey@morganstanley.com
334-340-4032

Contact C. Thomas Lee

Contact George Liddon

Contact Jon Lee

Contact Lee Forehand

Contact J.H. Johnson
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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
About Debbie Booth
Debbie Booth is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Alabama, Arkansas, and Florida.
Private Bankers partner with 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.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
Private Bankers partner with 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.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
NMLS#: 801310
About Brandon Marsh
Brandon Marsh, CPWA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Alabama, Arkansas, and the Florida Panhandle. Brandon is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience lends delivering guidance and skilled focus to clients on a variety of areas of financial planning concerns.
Brandon holds an undergraduate degree in Business Administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a CPWA (Certified Private Wealth Advisor) designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama with his wife Hayley and two sons Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience lends delivering guidance and skilled focus to clients on a variety of areas of financial planning concerns.
Brandon holds an undergraduate degree in Business Administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a CPWA (Certified Private Wealth Advisor) designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama with his wife Hayley and two sons Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
About Sam Gaitan
Sam Gaitan is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Sam provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Sam is originally from Forest Hills, Queens New York and currently resides in Queens, New York.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Sam is originally from Forest Hills, Queens New York and currently resides in Queens, New York.
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A Change of Greenery
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Ready to start a conversation? Contact The Wiregrass 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.
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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.
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
5Alternative 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)