Petr Thorson
First Vice President, Financial Advisor
Phone:
(203) 625-4640(203) 625-4640
Thorson Ferdinand Weidmuller Group at Morgan Stanley
Our Mission Statement
True wealth extends beyond financial success and encompasses overall well-being, fulfillment, and peace of mind.
Our Story and Services
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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
Working together with you, we employ a time-tested and disciplined process. With an emphasis always on risk management and downside protection, we help you attain and, most importantly, maintain your wealth. Our process has four steps:
Discovery
Akin to “financial doctors”, we first conduct a financial health assessment. We have an in-depth discussion about your objectives and help you prioritize your goals. We gather information about you, your family, your work, your lifestyle and your philanthropic aspirations and endeavors.
Analysis
We are data driven when analyzing your portfolio and your financial goals and objectives. We systematically review and scrutinize all your financial assets, liabilities, insurance and tax and retirement income strategies, before ever making any financial recommendations.
Individualized Strategy
In developing your comprehensive financial plan, we bring all the financial aspects of your life together. It includes specific strategies to meet your short and long-term goals. When identifying investment options, we look at them in the context of your overall financial plan, not just as investible assets. We view investing as a means to an end to achieve your goals. We obtain your feedback on the plan and the investment strategy – and revise both as needed.
Implementation and Onboarding
Once your assets are transferred and your strategy is implemented, we work closely with you to help you access all the great tools you have at your fingertips as a client of Morgan Stanley. We check in with you regularly and are always available for any questions or needs. And then we strive to become the “Chief Financial Officer” of your financial life – there to support you and assist you with any and all decisions that touch upon this important area of your life.
VALUES
Our core values are the heart and soul of the Shoreline Group. They direct our decision making and frame our relationships with our clients. We find our clients share similar values:
Act With Integrity
Our clients’ interests always come first, in every decision and in every interaction.
Accountability
We take our commitments seriously and place the utmost importance on delivering concierge level service.
Transparency
We believe it is important that clients understand the recommended investments, how the investments are aligned with their long-term goals and how we are compensated.
Team Approach
We work as a team and believe that complementary skills, expertise and education can best address clients’ needs.
WHAT'S NEW
View the links below to see the most recent pieces from Morgan Stanley's thought leaders.
On the Markets
The Global Investment Committee presents the monthly report On the Markets.
View on the Markets
GIC Weekly
Lisa Shalett, Chief Investment Officer, Morgan Stanley Wealth Management and Head of WM Global Investment Office, presents the The GIC Weekly.
View GIC Weekly
Retirement Planning
Retirement planning is more than making the right investments. Align your financial goals to your lifestyle, today and all the days that follow. Learn how I can help you meet your retirement savings challenges with customized financial solutions.
View More Retirement Insights
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.
Guide to Charitable Giving
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out the Latest Episode
Tax-Efficient Strategies
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Guide to Tax-Efficient PlanningLocation
One Fawcett Place
3rd Floor
Greenwich, CT 06830
US
Direct:
(203) 625-4662(203) 625-4662
Meet Thorson Ferdinand Weidmuller Group
Phone:
(203) 625-4644(203) 625-4644
Phone:
(203) 625-4642(203) 625-4642
Phone:
(203) 625-4892(203) 625-4892
Associate Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(203) 625-4820(203) 625-4820
Shannon Daine
Registered Client Service Associate
Phone:
(203) 625-4662(203) 625-4662
About Petr Thorson
Petr Thorson is a highly experienced financial advisor with a comprehensive understanding of investments. Petr joined Morgan Stanley in 2017. His journey began at Morgan Bank, where he gained valuable exposure and developed a passion for investments. Unlike many other advisors, Petr specializes in investments, giving his clients a distinct advantage in wealth management.
Driven by his genuine care and concern for clients, Petr stands out from the competition. He recognizes the unique benefits of individual stocks and provides his clients with in-depth knowledge, strong performance, and tax advantages. Petr is praised for his attentive approach and has been actively involved in various organizations within the Greenwich community, including serving as the past president of the Greenwich Health Care Center and the Republican Roundtable of Greenwich.
In addition to his financial expertise, Petr values his family deeply and has maintained a close relationship with his three daughters. He completed his undergraduate studies at Yale University and pursued his graduate education at New York University, enhancing his knowledge and expertise in the financial services industry.
Driven by his genuine care and concern for clients, Petr stands out from the competition. He recognizes the unique benefits of individual stocks and provides his clients with in-depth knowledge, strong performance, and tax advantages. Petr is praised for his attentive approach and has been actively involved in various organizations within the Greenwich community, including serving as the past president of the Greenwich Health Care Center and the Republican Roundtable of Greenwich.
In addition to his financial expertise, Petr values his family deeply and has maintained a close relationship with his three daughters. He completed his undergraduate studies at Yale University and pursued his graduate education at New York University, enhancing his knowledge and expertise in the financial services industry.
Securities Agent: KS, WV, PA, RI, NJ, IL, DE, WA, VA, OH, NC, MO, CT, CO, WY, SC, OR, NY, HI, VT, TN, GA, AZ, AL, CA, MA, UT, NH, MT, MI, ME, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 578863
NMLS#: 578863
About Sara Thorson
Sara is a Financial Advisor at Morgan Stanley Wealth Management, specializing in providing wealth management strategies to ultra-high-net worth families and individuals. She takes a personalized approach with her clients, working to understand their total financial picture and creating a holistic strategy that incorporates the complexities of planning and the dynamics of financial markets. Prior to Morgan Stanley, Sara served as a Financial Advisor and Vice President in Wealth Management at Merrill Lynch. She previously was a feature film/television editor and production manager in New York, North Carolina, and Los Angeles. She holds her Series 7, Series 66, Life and Health Insurance licenses, and serves on the investment committee.
Sara attended Columbia University in New York City and the Taft School in Watertown, CT. She resides in South Norwalk, Connecticut with her husband Stefano and has three stepdaughters who live and work in New York and Italy.
Sara attended Columbia University in New York City and the Taft School in Watertown, CT. She resides in South Norwalk, Connecticut with her husband Stefano and has three stepdaughters who live and work in New York and Italy.
Securities Agent: CA, CO, SC, NH, MN, KS, VT, TN, NJ, NC, MT, IL, HI, WY, WV, ME, NY, MI, MA, DE, PA, AZ, AL, VA, GA, CT, WA, RI, OH, UT, OR, MO, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 904068
NMLS#: 904068
About Peter Ferdinand
Peter is a First Vice President and Portfolio Management Director at Morgan Stanley Wealth Management. With over 35 years in the financial services industry, Peter brings a broad experience set and knowledgebase to serve his clients. Peter joined Morgan Stanley in 2017. Previously, he was a financial advisor at Merrill Lynch and an institutional equity salesperson at Robertson Stephens in San Francisco and Salomon Brothers in New York City.
As an advisor, Peter's primary goal is to assist clients in understanding their unique financial circumstances. He believes that by collaborating with clients and educating them about the financial planning and investment process, they can actively participate in developing and implementing long term plans. By removing the mystery surrounding financial markets, Peter aims to provide his clients with a clear path to follow and to alleviate any concerns that may come up along the way.
Peter graduated from Syracuse University’s Whitman School of Management in 1986 with a BS degree in Finance and an Economics minor. Peter currently resides in Weston, CT. with his wife of 30 years and two dogs. Their daughter is currently a senior at the University of Vermont.
As an advisor, Peter's primary goal is to assist clients in understanding their unique financial circumstances. He believes that by collaborating with clients and educating them about the financial planning and investment process, they can actively participate in developing and implementing long term plans. By removing the mystery surrounding financial markets, Peter aims to provide his clients with a clear path to follow and to alleviate any concerns that may come up along the way.
Peter graduated from Syracuse University’s Whitman School of Management in 1986 with a BS degree in Finance and an Economics minor. Peter currently resides in Weston, CT. with his wife of 30 years and two dogs. Their daughter is currently a senior at the University of Vermont.
Securities Agent: MT, AL, GA, TX, NC, ME, RI, MI, MA, KS, IL, FL, WY, PA, NJ, CA, DC, TN, OH, NH, DE, CT, OR, NY, MO, WA, VA, UT, CO, VT, SC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 578548
NMLS#: 578548
About Charles Weidmuller
Charles advises Institutional Equity clients in the NYC metro area and works with High Net Worth Families across the country. He co-manages a US Equity Strategy and also assists with broader asset allocation and Alternative Investment portfolios.
During his tenure at the firm, he completed Morgan Stanley’s rigorous Portfolio Management program and works with some of the Firm’s top clients in the Private Wealth and Institutional Middle Markets divisions within Morgan Stanley.
Charles began his career at the New York Stock Exchange working with institutional trading firms and executives from NYSE listed companies. His experience in markets and investing led him to Morgan Stanley Wealth Management in 2017.
He currently holds his Series 7, 63, 65, Life & Health Licenses.
Charles resides in New Canaan Connecticut with wife Emily.
During his tenure at the firm, he completed Morgan Stanley’s rigorous Portfolio Management program and works with some of the Firm’s top clients in the Private Wealth and Institutional Middle Markets divisions within Morgan Stanley.
Charles began his career at the New York Stock Exchange working with institutional trading firms and executives from NYSE listed companies. His experience in markets and investing led him to Morgan Stanley Wealth Management in 2017.
He currently holds his Series 7, 63, 65, Life & Health Licenses.
Charles resides in New Canaan Connecticut with wife Emily.
Securities Agent: MI, MO, IL, CA, NH, MA, GA, TX, NJ, ME, WI, SD, FL, WA, VT, OH, NY, CO, WV, PA, WY, VA, RI, KS, DE, CT, UT, MT, AL, OR, TN, NC, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2163846
NMLS#: 2163846
About Caroline Calder
Bringing a blend of extensive knowledge and experience acquired over 35+ years on Wall Street, Caroline started her career as an institutional Futures trader with Dominick & Dominick where she was responsible for trading Foreign Currency, Treasury Bond and Equity Index futures. She moved into institutional and private wealth portfolio management with Avatar Associates, working directly with the late legendary investor, Martin Zweig. Following her time at Avatar Associates, she successfully built and led the private wealth management business of a mid-sized private investment bank and then joined an Atlanta-based consulting firm as COO in 2002, being named Managing Partner/CEO in 2003. After facilitating the successful sale of the firm in 2009, Caroline returned to private wealth management as a Senior Portfolio Manager/Financial Advisor with Morgan Stanley Smith Barney. She held the same positions at UBS and Merrill Lynch between 2011-2019, returning to Morgan Stanley in 2019.
Caroline and her team advise clients on the accumulation, preservation and transfer of wealth through comprehensive, customized investment and wealth management strategies. She creates diversified investment portfolios focused on achieving the client’s goals. Upon the client’s request, she will also align their personal values or desire to effect change with their long-term investment strategy. She and her team ensure a client’s total long-term financial goals are met by leveraging extensive knowledge of estate/retirement/business succession/divorce financial planning, risk management and by providing clients access to the vast global resources of Morgan Stanley.
She currently serves as Vice Chair/Board of Trustees of The Pequot Library (Southport, CT); serves on the Wells College National Planned Giving Advisory Committee; and is a member of the Tiffany Circle - Society of Women Leaders of the American Red Cross.
Caroline and her team advise clients on the accumulation, preservation and transfer of wealth through comprehensive, customized investment and wealth management strategies. She creates diversified investment portfolios focused on achieving the client’s goals. Upon the client’s request, she will also align their personal values or desire to effect change with their long-term investment strategy. She and her team ensure a client’s total long-term financial goals are met by leveraging extensive knowledge of estate/retirement/business succession/divorce financial planning, risk management and by providing clients access to the vast global resources of Morgan Stanley.
She currently serves as Vice Chair/Board of Trustees of The Pequot Library (Southport, CT); serves on the Wells College National Planned Giving Advisory Committee; and is a member of the Tiffany Circle - Society of Women Leaders of the American Red Cross.
Securities Agent: DE, MO, WA, GA, NY, CT, CO, AL, ME, VA, TN, SC, NJ, MI, WY, KS, VT, PA, NC, FL, CA, OH, MA, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1229704
NMLS#: 1229704
About Shannon Daine
Shannon joined Morgan Stanley Wealth Management in 2021 as a Client Service Associate. After obtaining her Series 7 and Series 66 licenses, she became a Registered Client Service Associate in 2022. Prior to joining Morgan Stanley, she began her career in the financial services industry with Ameriprise Financial as a Client Services Manager.
Shannon graduated from Villanova University in 2021 with a B.A. in Political Science, as well as minors in Business and Spanish. She currently lives in Stamford, CT, and enjoys traveling and spending time with family and friends.
Shannon graduated from Villanova University in 2021 with a B.A. in Political Science, as well as minors in Business and Spanish. She currently lives in Stamford, CT, and enjoys traveling and spending time with family and friends.
Contact Petr Thorson
Contact Sara Thorson
Contact Peter Ferdinand
Contact Charles Weidmuller
Contact Caroline Calder
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
Article Image
Ready to start a conversation? Contact Thorson Ferdinand Weidmuller Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors 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.
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)