Montague "Mont" Hasie
Financial Advisor, Financial Planning Associate
Phone:
(512) 370-0468(512) 370-0468
Todd L Hasie, CPM®
Executive Director, Wealth Management,
Wealth Advisor,
Senior Portfolio Management Director,
Alternative Investments Director,
Lending Specialist
Direct:
(512) 469-3402(512) 469-3402
Toll-Free:
(800) 234-1940(800) 234-1940
My Mission Statement
Experience. Resources. Family. We know what it means to carry on a legacy. We are committed to helping you establish yours for decades and even generations to come.
Welcome
Todd Hasie is a Wealth Advisor, Portfolio Management Director, Lending Specialist and Alternative Investments Director at the Morgan Stanley Austin Branch Office. A Wealth Advisor since 1985, Todd brings over 35 years of experience to service families, individuals, closely held businesses, trusts, and non-profits.
Todd runs a multi-generational family business working closely with their clients to provide traditional advice and guidance, helping them pursue their objectives by developing strategies tailored to their financial situations. Todd and his team strive to establish lifelong relationships with families watching them achieve their long term financial goals.
Todd is a graduate of the University of Texas at Austin with a BA in Economics and studied at La Universidad de Valencia, in Spain. He began his career with Gelderman and Company at the Chicago Board of Trade. Todd has achieved Chairman’s Council and President’s Council status in 20 of his 30 years in the securities business. He taught advanced Financial Advisor training at Prudential Securities and is currently involved in mentoring advisors at Morgan Stanley. He has completed graduate work in Texas Tech’s MPA program and has attended an executive program in Investment Management Consulting at the University Of Pennsylvania- Wharton School Of Business. Todd is a "Certified Portfolio Manager(CPM®)" having completed the rigorous certification program at NYU-Stern School of Business.
Todd’s interests include volunteering with Caritas, Austin Youth Basketball, and spending time with his wife and four children: Rea, Cal, Montague, and Genevieve.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan 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.
Todd runs a multi-generational family business working closely with their clients to provide traditional advice and guidance, helping them pursue their objectives by developing strategies tailored to their financial situations. Todd and his team strive to establish lifelong relationships with families watching them achieve their long term financial goals.
Todd is a graduate of the University of Texas at Austin with a BA in Economics and studied at La Universidad de Valencia, in Spain. He began his career with Gelderman and Company at the Chicago Board of Trade. Todd has achieved Chairman’s Council and President’s Council status in 20 of his 30 years in the securities business. He taught advanced Financial Advisor training at Prudential Securities and is currently involved in mentoring advisors at Morgan Stanley. He has completed graduate work in Texas Tech’s MPA program and has attended an executive program in Investment Management Consulting at the University Of Pennsylvania- Wharton School Of Business. Todd is a "Certified Portfolio Manager(CPM®)" having completed the rigorous certification program at NYU-Stern School of Business.
Todd’s interests include volunteering with Caritas, Austin Youth Basketball, and spending time with his wife and four children: Rea, Cal, Montague, and Genevieve.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan 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.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Wealth ManagementFootnote6
- Alternative InvestmentsFootnote7
- 529 PlansFootnote8
- Cash ManagementFootnote9
- Endowments and FoundationsFootnote10
- Executive Benefit ServicesFootnote11
- Lending Products
- Corporate Trust Services
- Life InsuranceFootnote12
- Qualified Retirement PlansFootnote13
- Trust Services*
Securities Agent: FL, LA, AZ, WA, TN, MA, VA, OR, RI, PA, NM, DC, CO, ME, TX, GA, SC, MI, NJ, CA, NY, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1560673
NMLS#: 1560673
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Clients
Our clients are successful individuals who take great pride in their accomplishments, and expect equally high standards of excellence from their advisors. Our team is dedicated to meeting and exceeding their expectations… working to help each client preserve and grow their wealth while pursuing their ultimate financial goals. We value each relationship and strive to reward the trust our clients have placed in us.
Our team is passionate about this business because we want help others. Our focus is on building strong and lasting relationships with our clients and their families. We truly care about our clients and their financial goals. We always act in the best interest of our clients by providing advice that is geared to provide them with the best solution to their financial needs.
Our team is passionate about this business because we want help others. Our focus is on building strong and lasting relationships with our clients and their families. We truly care about our clients and their financial goals. We always act in the best interest of our clients by providing advice that is geared to provide them with the best solution to their financial needs.
RELATIONSHIPS BY INDUSTRY:
• 35% - Business Owners/Entrepreneurs
• 35% - Corporate Executives
• 10% - Foundations/Endowments
• 10% - Sports/Professionals
• 10% - Medical/Healthcare
• 35% - Corporate Executives
• 10% - Foundations/Endowments
• 10% - Sports/Professionals
• 10% - Medical/Healthcare
Case Study: Complexity
We pride ourselves on helping clients navigate every stage of their financial life. Inevitably, each stage brings new challenges and opportunities that require unique planning and guidance.
For one of our long-time clients, that new stage began when he decided to sell the successful business he had run for many years. It was a huge monetization event. But while he knew it could set his family up for generations, he didn’t know what steps he needed to take to achieve that objective. That’s where we came in.
Leveraging Morgan Stanley’s exclusive resources for ultra high net worth clients, we provided estate planning, financial planning, asset allocation modeling, cash management, and tax strategies. We provided financial education for his children, and helped one of the children secure lending solutions. We even helped set up a donor advised fund to help the client offset his tax liability while making impactful donations to the charitable causes he cared about most.
At the end of the day, what we really did was to help translate his wealth event into a long-term wealth strategy. So he could proceed confidently into the next chapter of his life: retirement.
The case study presented is provided for illustrative purposes only. Past performance is no guarantee of future results. The information has been obtained from sources we believe to be reliable, but we cannot guarantee its accuracy or completeness. These strategies do not guarantee a profit or protect against loss and may not be appropriate for all investors. Each customer’s specific situation, goals, and results, may differ.
The Morgan Stanley Global Impact Funding Trust, Inc. (“MS GIFT, Inc.”) is an organization described in Section 501(c) (3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (“MS GIFT”) is a donor-advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT
For one of our long-time clients, that new stage began when he decided to sell the successful business he had run for many years. It was a huge monetization event. But while he knew it could set his family up for generations, he didn’t know what steps he needed to take to achieve that objective. That’s where we came in.
Leveraging Morgan Stanley’s exclusive resources for ultra high net worth clients, we provided estate planning, financial planning, asset allocation modeling, cash management, and tax strategies. We provided financial education for his children, and helped one of the children secure lending solutions. We even helped set up a donor advised fund to help the client offset his tax liability while making impactful donations to the charitable causes he cared about most.
At the end of the day, what we really did was to help translate his wealth event into a long-term wealth strategy. So he could proceed confidently into the next chapter of his life: retirement.
The case study presented is provided for illustrative purposes only. Past performance is no guarantee of future results. The information has been obtained from sources we believe to be reliable, but we cannot guarantee its accuracy or completeness. These strategies do not guarantee a profit or protect against loss and may not be appropriate for all investors. Each customer’s specific situation, goals, and results, may differ.
The Morgan Stanley Global Impact Funding Trust, Inc. (“MS GIFT, Inc.”) is an organization described in Section 501(c) (3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (“MS GIFT”) is a donor-advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT
Our Team At A Glance
Who We Help
• Business Owners & Entrepreneurs
• Corporative Executives
• Successful professionals ranging from healthcare to
professional sports
• Ultra High Net Worth Families & Family Offices
• Corporative Executives
• Successful professionals ranging from healthcare to
professional sports
• Ultra High Net Worth Families & Family Offices
Our Advanced Industry Designations
• Alternative Investments Director –– Held by a select group of Morgan Stanley advisors, this designation allows us to help qualified clients incorporate alternative investments into their wealth management plan.
• Certified Financial Planner® –– The gold standard in wealth management, this certification speaks to the elite skillset and unwavering integrity we bring to your comprehensive financial needs.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market.
• Certified Financial Planner® –– The gold standard in wealth management, this certification speaks to the elite skillset and unwavering integrity we bring to your comprehensive financial needs.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market.
A Track Record of Success
• Forbes Inaugural Best-in-State Wealth Management Team 2023
• Forbes Best-in-State Advisor 2023 –– Todd Hasie
• Forbes Best-in-State Advisor 2022 –– Todd Hasie
• Forbes Best-in-State Advisor 2021 –– Todd Hasie
• Forbes Best-in-State Advisor 2020 –– Todd Hasie
• Forbes Best-in-State Advisor 2019 –– Todd Hasie
Disclosures:
Forbes Best-In-State Wealth Management Teams, 2023
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In- State Wealth Advisors- 2019, 2021, 2022, 2023
Source: Forbes.com (Awarded 2019, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
• Forbes Best-in-State Advisor 2023 –– Todd Hasie
• Forbes Best-in-State Advisor 2022 –– Todd Hasie
• Forbes Best-in-State Advisor 2021 –– Todd Hasie
• Forbes Best-in-State Advisor 2020 –– Todd Hasie
• Forbes Best-in-State Advisor 2019 –– Todd Hasie
Disclosures:
Forbes Best-In-State Wealth Management Teams, 2023
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In- State Wealth Advisors- 2019, 2021, 2022, 2023
Source: Forbes.com (Awarded 2019, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Elite Firm Resources
For qualified clients, we’re able to leverage Morgan Stanley’s Outsourced Chief Investment Office on your behalf. This means we supplement our own deep knowledge and expertise with a 37-person office of top industry professionals –– to help analyze and optimize your financial future from every angle.
Location
301 Congress Avenue
Suite 1400
Austin, TX 78701
US
Direct:
(512) 469-3402(512) 469-3402
Toll-Free:
(800) 234-1940(800) 234-1940
Fax:
(512) 469-3408(512) 469-3408
Meet My Team
Luke Skifich, CFP®, CPWA®
Portfolio Associate
Phone:
(512) 469-3416(512) 469-3416
About Montague "Mont" Hasie
Montague Hasie is a Financial Advisor and Financial Planning Associate with The Hasie Capital Group at Morgan Stanley. With integrity, dedication, and resources, Mont helps clients financially protect their future, their family, and their legacy through a comprehensive wealth management approach.
A graduate of Texas Christian University with a degree in Entrepreneurial Management and a minor in Finance, Mont began his career working as a fly-fishing guide in the Wyoming/Colorado region at the A Bar A Guest Ranch. Later, he moved back to Austin to become an Internal Sales Representative at Tex-Con Oil Company. In 2021, he transitioned to wealth management, joining his father to help provide clients with a multigenerational team for their multigenerational wealth management needs.
With the team, Mont focuses on helping clients and their families overcome the multifaceted challenges of ultra high net worth. He places a special emphasis on financial planning, using it as the basis for clients’ overall wealth management strategy. Because every client has a unique vision for the future, Mont believes in designing personalized strategies that account for all aspects of their financial lives –– from their retirement needs to their legacy goals. With many years in the industry yet ahead of him, he strives to be a trusted resource his clients and their families can turn to for decades and even generations to come.
Outside the office, Mont lives in Austin, Texas. A former fly fishing guide, he remains an avid fisherman and also enjoys mountain biking and spending time with family. Committed to giving back, he is an active member of Guadalupe Trout Unlimited, an organization dedicated to protecting the southernmost trout habitat and fishery in the United States. He also volunteers with Habitat for Humanity, helping to build homes for low-income individuals throughout the Austin area.
A graduate of Texas Christian University with a degree in Entrepreneurial Management and a minor in Finance, Mont began his career working as a fly-fishing guide in the Wyoming/Colorado region at the A Bar A Guest Ranch. Later, he moved back to Austin to become an Internal Sales Representative at Tex-Con Oil Company. In 2021, he transitioned to wealth management, joining his father to help provide clients with a multigenerational team for their multigenerational wealth management needs.
With the team, Mont focuses on helping clients and their families overcome the multifaceted challenges of ultra high net worth. He places a special emphasis on financial planning, using it as the basis for clients’ overall wealth management strategy. Because every client has a unique vision for the future, Mont believes in designing personalized strategies that account for all aspects of their financial lives –– from their retirement needs to their legacy goals. With many years in the industry yet ahead of him, he strives to be a trusted resource his clients and their families can turn to for decades and even generations to come.
Outside the office, Mont lives in Austin, Texas. A former fly fishing guide, he remains an avid fisherman and also enjoys mountain biking and spending time with family. Committed to giving back, he is an active member of Guadalupe Trout Unlimited, an organization dedicated to protecting the southernmost trout habitat and fishery in the United States. He also volunteers with Habitat for Humanity, helping to build homes for low-income individuals throughout the Austin area.
Securities Agent: NY, MA, LA, TX, SC, RI, PA, NM, AZ, OR, CA, MI, FL, VA, TN, GA, NV, NJ, ME, CO, WA; General Securities Representative; Investment Advisor Representative
About Luke Skifich
Luke Skifich is a Portfolio Associate with The Hasie Capital Group at Morgan Stanley. Luke brings years of experience and elite industry qualifications to his clients’ financial lives, helping them to overcome their obstacles and achieve their most important financial objectives.
After graduating with a B.A. from the University of California, Los Angeles, Luke went on to earn his M.A. in Philosophy from San Francisco State University. He began his career as a Senior Forensic Scientist with the U.S. Department of Justice in 2003. While maintaining an analytical approach, Luke transitioned to the finance industry in 2016 –– serving first as a Financial Analyst specializing in insurance and estate planning at PartnersFinancial, and then as a Client Service Associate for a full service financial planning firm in Austin. In 2019, he earned his Certified Financial Planner® designation before joining Morgan Stanley in 2020. He maintains a serious commitment to further developing and keeping current his expertise. To that end, he has also attained the Chartered Financial Consultant®, Chartered Life Underwriter®. and Certified Private Wealth Advisor® designations. The latter certification demonstrates expertise in working with the unique needs of high net worth clients.
With the team, Luke predominantly focuses on financial planning and the client experience. Translating clients’ goals, challenges, and needs into a single comprehensive financial strategy –– he helps clients gain a “big picture” understanding of the financial journey ahead, creating financial models that project how different market scenarios would impact them personally. This in turn serves as a kind of road map, a dynamic document that can be turned to for objective guidance and long-term perspective. At the same time, Luke understands that clients’ needs and priorities can change. That’s why he places such an emphasis on building deep client relationships.
Originally from San Francisco, Luke and his wife now consider themselves Austinites, having lived here for over 10 years. In his free time, he enjoys hiking, reading, yoga, and enjoying Austin’s parks with his wife.
After graduating with a B.A. from the University of California, Los Angeles, Luke went on to earn his M.A. in Philosophy from San Francisco State University. He began his career as a Senior Forensic Scientist with the U.S. Department of Justice in 2003. While maintaining an analytical approach, Luke transitioned to the finance industry in 2016 –– serving first as a Financial Analyst specializing in insurance and estate planning at PartnersFinancial, and then as a Client Service Associate for a full service financial planning firm in Austin. In 2019, he earned his Certified Financial Planner® designation before joining Morgan Stanley in 2020. He maintains a serious commitment to further developing and keeping current his expertise. To that end, he has also attained the Chartered Financial Consultant®, Chartered Life Underwriter®. and Certified Private Wealth Advisor® designations. The latter certification demonstrates expertise in working with the unique needs of high net worth clients.
With the team, Luke predominantly focuses on financial planning and the client experience. Translating clients’ goals, challenges, and needs into a single comprehensive financial strategy –– he helps clients gain a “big picture” understanding of the financial journey ahead, creating financial models that project how different market scenarios would impact them personally. This in turn serves as a kind of road map, a dynamic document that can be turned to for objective guidance and long-term perspective. At the same time, Luke understands that clients’ needs and priorities can change. That’s why he places such an emphasis on building deep client relationships.
Originally from San Francisco, Luke and his wife now consider themselves Austinites, having lived here for over 10 years. In his free time, he enjoys hiking, reading, yoga, and enjoying Austin’s parks with his wife.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Todd L Hasie today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative 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.
8Investors 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.
9Morgan 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
10Morgan 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.
11When 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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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
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative 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.
8Investors 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.
9Morgan 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
10Morgan 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.
11When 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
