Robert Wyckoff, CEPA®
Senior Vice President, Wealth Management, Financial Advisor, Certified Exit Planning Advisor™ (CEPA)
Phone:
(210) 366-6610(210) 366-6610
We have moved to 7600 Broadway St. San Antonio, TX 78209 as of July 23rd, 2022. We look forward to welcoming you to our new office!
The Wyckoff Group at Morgan Stanley
Direct:
(210) 277-4465(210) 277-4465
Our Mission Statement
We help our clients dream about their futures and to have a greater level of confidence. We do this through objective advice tailored to help meet your specific goals. Our genuine concern for your financial wellbeing is the cornerstone of our relationship.
Why Our Clients Choose Us
The Wyckoff Group is a San Antonio-based wealth advisory team serving an exclusive number of individuals, families, charities and businesses locally, around the country and around the world. Our clients stretch from Hawaii to Washington, D.C. and many points in between.
Navigating the ever changing financial markets can be very difficult. Our goal is to be your most trusted advisors through our professional knowledge, integrity & objective advice. Our team has nearly 4 decades of financial experience helping clients achieve their dreams.
Our mission is to work with clients by leveraging experience, passion, and meticulous attention to detail while helping them define and pursue their goals. Our commitment to this mission is demonstrated through three core principles:
I. Customized Approach
II. Comprehensive Guidance
III. Attentive Service
Our goal for every client relationship is to instill a sense of confidence, comfort, and assurance.
You do the dreaming and we will do the planning to help get you there.
Navigating the ever changing financial markets can be very difficult. Our goal is to be your most trusted advisors through our professional knowledge, integrity & objective advice. Our team has nearly 4 decades of financial experience helping clients achieve their dreams.
Our mission is to work with clients by leveraging experience, passion, and meticulous attention to detail while helping them define and pursue their goals. Our commitment to this mission is demonstrated through three core principles:
I. Customized Approach
II. Comprehensive Guidance
III. Attentive Service
Our goal for every client relationship is to instill a sense of confidence, comfort, and assurance.
You do the dreaming and we will do the planning to help get you there.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- 529 PlansFootnote4
- Alternative InvestmentsFootnote5
- AnnuitiesFootnote6
- Asset Management
- Cash ManagementFootnote7
- Divorce Financial AnalysisFootnote8
- Estate Planning StrategiesFootnote9
- Lending Products
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Philanthropic Services
- Sustainable InvestingFootnote12
- Trust AccountsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family. Whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Core Capabilities:
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future.
Estate Planning Strategies
We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements.
Retirement Planning
We manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Trust Accounts
We review your needs and goals to identify opportunities for fiduciary solutions utilizing trusts and investment management
401(k) Rollovers
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place.
Alternative Investments
We have a robust platform of investments which are not highly correlated with the equity or fixed income markets. We discuss to see if these would be a good fit for your situation.
Lending Products
We offer a broad array of lending solutions that work together to complement your existing investment strategy.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Click Here to Learn More
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click Here to Learn More
Aladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click Here to Learn More
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click Here to Learn MoreVALUABLE TOOLS AND RESOURCES:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
A Smarter Approach to Charitable Giving
Morgan Stanley charitable giving allows for a smart way to give to causes you care about. It is a simple, thoughtful, and tax-advantageous way to support your favorite charities
Learn More About Morgan Stanley Charity GivingLocation
7600 Broadway
Ste 100
San Antonio, TX 78209
US
Direct:
(210) 277-4465(210) 277-4465
Meet The Wyckoff Group
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Certified Divorce Financial Analyst
Phone:
(210) 277-4463(210) 277-4463
Krystal Lopez
Senior Registered Associate
Phone:
(210) 277-4465(210) 277-4465
About Rob Wyckoff
Robert R. Wyckoff is a founding partner of the South Texas Heritage Team at Morgan Stanley, where he brings a client-first approach to wealth management. He holds Series 7, Series 66, & Insurance licenses as well as the Portfolio Manager designation. Rob also holds the Certified Exit Planning Advisor (CEPA®) credential, allowing him to guide closely held businesses and their owners through the process of exiting their companies with confidence and clarity.
Within the team, Rob’s specializes in working with business owners, executives, and high-net-worth individuals on long-term strategic planning, portfolio construction, and multigenerational wealth strategies. His work includes advising clients on liquidity events, philanthropic planning, and succession strategies using the Value Acceleration Methodology™. His goal is to help clients align their personal and business financial decisions with what matters most to them.
With 20 years of experience in the financial industry Rob has worked with entrepreneurs and corporate executives across a wide range of industries, as well as professional athletes, charities, and foundations, and closely held companies. He is passionate about helping clients achieve both financial and life goals for themselves and future generations.
A graduate of The University of Texas at Austin, Rob was the President of Delta Sigma Phi Fraternity and was in Naval ROTC. He also interned for George W. Bush when he was the Governor of Texas.
Outside of work, Rob enjoys spending time with his wife Leah who is also a founding partner of the South Texas Heritage Team and their two sons, Maverick & Brennan. Brennan is in flight school with the goal of becoming an airline pilot. Maverick is still in elementary school and enjoys playing football as a linebacker. As a family, they enjoy outdoor adventures, travel, and time on the water. Rob is also a car enthusiast and enjoys restoring classic cars. He even built a replica of The DeLorean Time Machine from the Back to The Future movies. He is a key member of several car clubs.
Rob is an active member of his church and serves as a Deacon. He’s also a former board member for Big Brothers Big Sisters of South Texas and a former Cub Scout Den Leader.
“I absolutely love our business and our team. Our clients trust us with one of the most important aspects of their lives which is their financial well-being. It’s a responsibility that we don’t take lightly. We strive every day to exceed their expectations while delivering timely and well thought out strategies to help them meet their goals.”
Within the team, Rob’s specializes in working with business owners, executives, and high-net-worth individuals on long-term strategic planning, portfolio construction, and multigenerational wealth strategies. His work includes advising clients on liquidity events, philanthropic planning, and succession strategies using the Value Acceleration Methodology™. His goal is to help clients align their personal and business financial decisions with what matters most to them.
With 20 years of experience in the financial industry Rob has worked with entrepreneurs and corporate executives across a wide range of industries, as well as professional athletes, charities, and foundations, and closely held companies. He is passionate about helping clients achieve both financial and life goals for themselves and future generations.
A graduate of The University of Texas at Austin, Rob was the President of Delta Sigma Phi Fraternity and was in Naval ROTC. He also interned for George W. Bush when he was the Governor of Texas.
Outside of work, Rob enjoys spending time with his wife Leah who is also a founding partner of the South Texas Heritage Team and their two sons, Maverick & Brennan. Brennan is in flight school with the goal of becoming an airline pilot. Maverick is still in elementary school and enjoys playing football as a linebacker. As a family, they enjoy outdoor adventures, travel, and time on the water. Rob is also a car enthusiast and enjoys restoring classic cars. He even built a replica of The DeLorean Time Machine from the Back to The Future movies. He is a key member of several car clubs.
Rob is an active member of his church and serves as a Deacon. He’s also a former board member for Big Brothers Big Sisters of South Texas and a former Cub Scout Den Leader.
“I absolutely love our business and our team. Our clients trust us with one of the most important aspects of their lives which is their financial well-being. It’s a responsibility that we don’t take lightly. We strive every day to exceed their expectations while delivering timely and well thought out strategies to help them meet their goals.”
Securities Agent: MI, MD, CT, CA, UT, OR, LA, IN, FL, DE, CO, OK, AR, PA, MT, DC, VA, NC, HI, AZ, NY, MN, NM, TX, MA, SC, NV, WA, NE, MO, NJ; General Securities Representative; Investment Advisor Representative
About Leah Wyckoff
Leah R. Wyckoff specializes in financial planning, cash management, and lending solutions as part of the South Texas Heritage Team at Morgan Stanley. She is a Financial Planning Specialist and a Portfolio Manager who holds the Series 7, 63 & 65 licenses, as well as a Life Insurance license. Leah is passionate about helping clients align their finances with their values, make sound financial decisions and achieve peace of mind. Through one-on-one planning, Leah empowers her clients to identify what truly matters – enabling them to find clarity, confidence, and balance in every stage of life.
Before joining Morgan Stanley in 2015, Leah was a private banker at JPMorgan Chase, where she worked closely with select individuals and their families to deliver highly personalized financial solutions. Her success was built on deep relationships and a strong understanding of her clients’ needs. This experience shaped Leah’s holistic approach to financial advising- one that looks beyond investments to encompass a client’s full financial picture and life’s goals.
Outside of the office Leah and her husband Rob’s world revolves around their two sons, Maverick & Brennan. She is their biggest fan, often cheering them on at sports events. Leah has a passion for pugs and has had four over the past 20 years. A devoted member of Leon Springs Baptist Church, she teaches Sunday school and volunteers with the youth. Health and fitness are also a big part of her life, and she regularly trains for marathons and works out in the gym. Leah’s enthusiasm for cars- especially Corvettes led her to serve as the membership director for the Texas Corvette Association.
“I love helping my clients to feel confident in their financial futures. Every client is different and unique which keeps me passionate and engaged in my role as their advisor. Taking a holistic approach isn’t just about managing investments – it’s about understanding their complete financial landscape to help each client work towards their individual goals.”
Before joining Morgan Stanley in 2015, Leah was a private banker at JPMorgan Chase, where she worked closely with select individuals and their families to deliver highly personalized financial solutions. Her success was built on deep relationships and a strong understanding of her clients’ needs. This experience shaped Leah’s holistic approach to financial advising- one that looks beyond investments to encompass a client’s full financial picture and life’s goals.
Outside of the office Leah and her husband Rob’s world revolves around their two sons, Maverick & Brennan. She is their biggest fan, often cheering them on at sports events. Leah has a passion for pugs and has had four over the past 20 years. A devoted member of Leon Springs Baptist Church, she teaches Sunday school and volunteers with the youth. Health and fitness are also a big part of her life, and she regularly trains for marathons and works out in the gym. Leah’s enthusiasm for cars- especially Corvettes led her to serve as the membership director for the Texas Corvette Association.
“I love helping my clients to feel confident in their financial futures. Every client is different and unique which keeps me passionate and engaged in my role as their advisor. Taking a holistic approach isn’t just about managing investments – it’s about understanding their complete financial landscape to help each client work towards their individual goals.”
Securities Agent: MI, FL, TX, PA, OR, KS, CO, MA, VA, UT, NV, MD, LA, DC, CT, AZ, NC, NY, NJ, CA, OK, WA, SC, MN, IN, NM, NE, MT, MO, HI, DE, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 647663
NMLS#: 647663
About Krystal Lopez
Krystal Lopez is the Senior Registered Client Service Associate for The Wyckoff Group. As the primary point of contact for the team she is responsible for managing all client service related needs while ensuring an exceptional level of client satisfaction. Krystal has many years of client service experience in the financial industry as well as being fully registered with her Series 7 and 66 licenses.
Krystal received a Bachelor of Business Administration in Finance from Baylor University and a Master’s degree in Business Management from the University of Mary Hardin-Baylor. She currently lives in New Braunfels, TX with her 16 year old daughter, Arianna, whom people always mistake as her sister. When Krystal is not busy with her daughter she enjoys watching crime shows and attending fitness classes at Gold’s Gym.
Krystal received a Bachelor of Business Administration in Finance from Baylor University and a Master’s degree in Business Management from the University of Mary Hardin-Baylor. She currently lives in New Braunfels, TX with her 16 year old daughter, Arianna, whom people always mistake as her sister. When Krystal is not busy with her daughter she enjoys watching crime shows and attending fitness classes at Gold’s Gym.
Contact Robert Wyckoff
Contact Leah Wyckoff
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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
529 Plans: A Powerful Tool to Save for Education
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Ready to start a conversation? Contact The Wyckoff Group today.
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.
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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
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.
12The 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.
13Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
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.
12The 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.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
