Senior Vice President, Financial Advisor, Family Wealth Advisor, Portfolio Management Director, Investing with Impact Director, Alternative Investments Director, Portfolio Manager
TPGH Wealth Management Group at Morgan Stanley
Our Mission Statement
Delivering tailored, comprehensive financial strategies and intellectual capital to help you achieve your life goals.
Our Story and Services
As your life evolves, so do your financial needs. You may become concerned about complex needs such as maintaining your lifestyle post retirement, supporting an aging family member, ensuring a loved one has the financial resources to afford higher education, or planning for business to continue to flourish after you move on to the next chapter of your life.
We believe in a holistic approach, helping clients with both sides of their balance sheet and various aspects of their finances. Managing wealth goes beyond managing an investment portfolio. It involves a deeper understanding of who you are through the evaluation and consideration of your goals, values, and personal situation. This understanding helps us work together to simplify, organize, and manage your financial world with confidence.
As your Financial Advisors, we can help you define and strive to achieve your goals by delivering a vast array of resources tailored to what is most appropriate for you and your situation. Working together, you will have access to some of the world's most experienced and respected investment professionals, a full spectrum of investment choices, and a premier trading and execution platform backed by industry leading technology.
We are proud to offer top of the line service and custom tailored advice we provide to each of our clients and would embrace the opportunity to work alongside you, your family, and your future generations to come.
We believe in a holistic approach, helping clients with both sides of their balance sheet and various aspects of their finances. Managing wealth goes beyond managing an investment portfolio. It involves a deeper understanding of who you are through the evaluation and consideration of your goals, values, and personal situation. This understanding helps us work together to simplify, organize, and manage your financial world with confidence.
As your Financial Advisors, we can help you define and strive to achieve your goals by delivering a vast array of resources tailored to what is most appropriate for you and your situation. Working together, you will have access to some of the world's most experienced and respected investment professionals, a full spectrum of investment choices, and a premier trading and execution platform backed by industry leading technology.
We are proud to offer top of the line service and custom tailored advice we provide to each of our clients and would embrace the opportunity to work alongside you, your family, and your future generations to come.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Business Succession PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Cash Management and Lending ProductsFootnote5
- Donor Advised Funds
- Alternative InvestmentsFootnote6
- Trust AccountsFootnote7
- Municipal BondsFootnote8
- Estate Planning StrategiesFootnote9
- 529 PlansFootnote10
- 401(k) Rollovers
- Life InsuranceFootnote11
- AnnuitiesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Financial Planning
We start by identifying your specific needs and aspirations. Often these objectives are competing for limited resources and so it becomes necessary to establish priorities. Among the necessities are: adequate cash for living expenses and emergencies; protection from catastrophic risks to life, health and property; and enough income in retirement. Aspirational goals include assisting loved ones, giving to charity and leaving a legacy.
We recommend solutions using both sides of your balance sheet by providing recommendations for investments as well as debt management. We pay close attention to the impact of taxes throughout the process and coordinate with your accountant, attorney and other professionals, to ensure the planning is well implemented.
Investment Planning
Our firm has the planning capabilities, personalized support and innovative solutions you're looking for. We can help you manage your financial life—so you can stay focused on what truly matters.
Retirement Planning
Development and implementation of a financial strategy that encompasses your needs before, during, and after you retire, based on your personal vision of retirement.
Education Planning
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
Business Planning
Whether your objective is to grow your business, realize its value through a succession strategy, or maintain family ownership through the next generation, we can help you examine your alternatives and develop the best strategy to achieve your goals.
Trust, Estate & Legacy Planning
Implement your plan for passing on your assets in a way that honors your values as well as your financial commitments.
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.
Life Insurance & Long-Term Care
Purchasing the right life insurance plan can help you protect your family's finances in the event of your death and help reduce financial stress for loved ones during what can be a highly emotional time.
Morgan Stanley Smith Barney LLC offers insruance products in conjunction with its licensed insurance agency affiliates.
Solutions We Offer
Among many others, below are several services that Morgan Stanley has to offer, giving us the ability to design and diversify your portfolio to your exact goals and needs.
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
Separately Managed Accounts
A selection of about 600 professionally managed portfolios to align with your goals and risk tolerance, with access to institutional pricing and zero-fee index SMAs.
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
Unit Investment Trusts
Idea-driven portfolios that turn innovative trends, themes and insights into powerful investments across asset classes and market sectors with access to third-party and proprietary investment selections based on industry-leading research from across the full scale and global reach of the firm.
Closed-End Funds
Pooled-asset portfolios that use leverage while accessing a broader opportunity set that includes private investments and other less-liquid, differentiated assets with access to timely offerings from the top asset managers in the industry.
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Structured Investments
Customized investment strategies —such as yield enhancement strategies and risk mitigation strategies —that serve as powerful allocation tools in modern portfolios.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Our Suite of Digital Tools
Today's digital revolution has changed the way we talk with one another, how we find and take in information, the way we buy; even how we choose and use transportation.
Here at Morgan Stanley, we want to use technology to improve how you manage your finances. Let's explore our revolutionary tech tools that can help you:
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Total Wealth Tool
View all your external financial accounts directly in MSO or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access, and convenient connectivity.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
What's Happening in Finance?
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Thoughts on the Market
Morgan Stanley's Research equity strategists, economists, and analysts share their latest views regarding the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes. Click the link below to check out the latest editions.
Morgan Stanley Insights
Stay up to date in ideas and insights from Morgan Stanley professionals across the Firm. Explore expert analysis and valuable resources tailored to elevate your understanding and drive success.
Location
6805 Carnegie Blvd
Ste 400
Charlotte, NC 28211
US
Direct:
(704) 442-3400(704) 442-3400
Meet TPGH Wealth Management Group
Senior Vice President, Financial Advisor, Portfolio Management Director, Senior Portfolio Manager
About Bradley Thompson
•31 Years of Experience in the Banking Industry prior to joining Morgan Stanley in 2012
•Holds the Series 7and 66 securities licenses, as well as life, accident and health insurance, and long term care insurance
Prior to joining Morgan Stanley in 2012, Bradley was in the Banking industry for 31 years. During that time, he was involved in starting 3 De novo banking operations in North Carolina.
Bradley’s focus is on all aspects of wealth planning and solutions, including providing access to Morgan Stanley Banking services for high net worth individuals, families, professionals and business owners. With his banking experience, he has a distinct ability to analyze both sides of the balance sheet for our corporate and individual clientele.
Bradley earned both his BS and M.B.A. from Appalachian State University.
Bradley and his wife Amanda have lived in the Charlotte area for over 30 years and have two grown children. They have had leadership roles in over 20 different local and national non profit organizations.
•Holds the Series 7and 66 securities licenses, as well as life, accident and health insurance, and long term care insurance
Prior to joining Morgan Stanley in 2012, Bradley was in the Banking industry for 31 years. During that time, he was involved in starting 3 De novo banking operations in North Carolina.
Bradley’s focus is on all aspects of wealth planning and solutions, including providing access to Morgan Stanley Banking services for high net worth individuals, families, professionals and business owners. With his banking experience, he has a distinct ability to analyze both sides of the balance sheet for our corporate and individual clientele.
Bradley earned both his BS and M.B.A. from Appalachian State University.
Bradley and his wife Amanda have lived in the Charlotte area for over 30 years and have two grown children. They have had leadership roles in over 20 different local and national non profit organizations.
Securities Agent: DC, ME, FL, AZ, SC, OK, NJ, MN, CA, TN, NC, MI, AL, MS, MD, MA, KY, CT, VA, CO, VT, NY, MO, KS, RI, NH, TX, PA, WY, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1312770
NMLS#: 1312770
About Jeff Gaskin
•Joined Financial Services Industry in 1980
•CERTIFIED FINANCIAL PLANNER™ practitioner
•Holds Series 3, 4, 5, 7, 9, 10, 12, 24, 27, 53, 63, & 65 securities licenses, as well as life, accident and health insurance, and long-term care insurance
Jeff joined the financial services industry in 1980 and focuses on providing comprehensive financial planning, retirement and estate planning, and portfolio management services to professional athletes, high net worth individuals, professionals and business owners. During his career, he has held management and advisory roles at several firms, was a founder and president of a 105-person brokerage firm and was the National Executive Director for the Portfolio Management Program at UBS.
Jeff received a BA in chemistry from the University of North Carolina and an M.B.A. from the Johnson Graduate School of Management at Cornell University. He has been designated a Certified Portfolio Manager (CPM®) through the School of Engineering and Applied Science at Columbia University. He has also served as a Certified Financial Planning Practioner (CFP®) since 1985.
Jeff serves on the Board of Trustees of Southern Evangelical Seminary based in Rock Hill, SC. He also serves on the Board of Directors of Monarch NC (3 years as chairman), a non-profit organization providing critical support for thousands of individuals statewide. For over 30 years, he has served on the Alabama Institute for Deaf and Blind Foundation Board (10 years as president). In addition, he has served on the Charlotte Symphony Board as Annual Fund Chairman and was co-founder of “Chef’s Best Dinner” in Charlotte. He has been active in teaching and other roles in churches in Charlotte, Birmingham, and Sparta, New Jersey. Jeff and his wife Marie live in Weddington, have three grown children, two sons-in-law, and four grandchildren.
•CERTIFIED FINANCIAL PLANNER™ practitioner
•Holds Series 3, 4, 5, 7, 9, 10, 12, 24, 27, 53, 63, & 65 securities licenses, as well as life, accident and health insurance, and long-term care insurance
Jeff joined the financial services industry in 1980 and focuses on providing comprehensive financial planning, retirement and estate planning, and portfolio management services to professional athletes, high net worth individuals, professionals and business owners. During his career, he has held management and advisory roles at several firms, was a founder and president of a 105-person brokerage firm and was the National Executive Director for the Portfolio Management Program at UBS.
Jeff received a BA in chemistry from the University of North Carolina and an M.B.A. from the Johnson Graduate School of Management at Cornell University. He has been designated a Certified Portfolio Manager (CPM®) through the School of Engineering and Applied Science at Columbia University. He has also served as a Certified Financial Planning Practioner (CFP®) since 1985.
Jeff serves on the Board of Trustees of Southern Evangelical Seminary based in Rock Hill, SC. He also serves on the Board of Directors of Monarch NC (3 years as chairman), a non-profit organization providing critical support for thousands of individuals statewide. For over 30 years, he has served on the Alabama Institute for Deaf and Blind Foundation Board (10 years as president). In addition, he has served on the Charlotte Symphony Board as Annual Fund Chairman and was co-founder of “Chef’s Best Dinner” in Charlotte. He has been active in teaching and other roles in churches in Charlotte, Birmingham, and Sparta, New Jersey. Jeff and his wife Marie live in Weddington, have three grown children, two sons-in-law, and four grandchildren.
Securities Agent: VA, SC, KS, CT, ME, TN, MA, GA, WY, PA, NJ, FL, DC, MN, AZ, TX, CA, MD, CO, OK, MI, KY, VT, NY, NH, NC, MS, MO, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1290399
NMLS#: 1290399
About Kevin Patterson
•4 years experience as a Professional Baseball Player prior to joining Morgan Stanley in 2015
•Holds Series 7 and 66 securities licenses, as well as Life, Accident, and Health insurance.
•Designated a Certified Portfolio Manager (CPM®) through the School of Engineering and Applied Science at Columbia University.
•Received his Certified Financial Planning Practioner (CFP®) designation in 2018.
Originally from Birmingham, Alabama, Kevin played collegiate baseball for Auburn University and was elected Team Captain for 3 years. After earning Academic All-American honors and graduating with a degree in Economics, Kevin was drafted in 2011 and pursued a career in Professional Baseball with the Toronto Blue Jays.
Kevin led the Vancouver Canadians to the Northwest League Championship in 2011 and led the Lansing Lugnuts in home runs in both 2012 and 2013. During the off seasons, Kevin ran a successful baseball coaching business in Charlotte.
After hitting 58 professional home runs in three and a half years, Kevin retired from professional baseball to begin his Financial Services career with Morgan Stanley.
Kevin focuses on financial planning for high net worth individuals, with a concentration in tax-free and taxable fixed income investments, as well as professionally managed global and domestic portfolios.
Kevin and his wife Allison live in Wesley Chapel and both enjoy sports and fitness training.
•Holds Series 7 and 66 securities licenses, as well as Life, Accident, and Health insurance.
•Designated a Certified Portfolio Manager (CPM®) through the School of Engineering and Applied Science at Columbia University.
•Received his Certified Financial Planning Practioner (CFP®) designation in 2018.
Originally from Birmingham, Alabama, Kevin played collegiate baseball for Auburn University and was elected Team Captain for 3 years. After earning Academic All-American honors and graduating with a degree in Economics, Kevin was drafted in 2011 and pursued a career in Professional Baseball with the Toronto Blue Jays.
Kevin led the Vancouver Canadians to the Northwest League Championship in 2011 and led the Lansing Lugnuts in home runs in both 2012 and 2013. During the off seasons, Kevin ran a successful baseball coaching business in Charlotte.
After hitting 58 professional home runs in three and a half years, Kevin retired from professional baseball to begin his Financial Services career with Morgan Stanley.
Kevin focuses on financial planning for high net worth individuals, with a concentration in tax-free and taxable fixed income investments, as well as professionally managed global and domestic portfolios.
Kevin and his wife Allison live in Wesley Chapel and both enjoy sports and fitness training.
Securities Agent: KY, WY, TX, TN, OK, MN, MO, FL, CO, MI, NJ, VA, PA, NC, KS, AZ, SC, MS, DC, NH, GA, CA, AL, CT, VT, ME, MA, NY, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1498370
NMLS#: 1498370
About Seth Hauser
• Joined Morgan Stanley as an intern in 2015
• Holds Series 7 and 66 securities licenses, as well as life, accident and health, and long term care insurance licenses
Seth focuses on various aspects of financial planning and solutions. Having worked extensively with many households during his time as a Wealth Advisor Associate at Morgan Stanley, Seth brings a client centric approach and the experience of having seen a vast array of situations to deliver advice and solutions custom tailored to your unique circumstances. He also works diligently to construct custom investment portfolios and enjoys rigorously analyzing securities.
Seth graduated from UNC Chapel Hill with a Bachelor of Arts in Economics and a focused credential in Quantitative Financial Economics. During his college years, he spent his free time volunteering as a youth basketball coach and being a member of UNC's club golf team.
Outside of the office, Seth enjoys spending time with friends and family, playing pickleball and golf, fishing, and exploring Charlotte's thriving restaurant scene.
• Holds Series 7 and 66 securities licenses, as well as life, accident and health, and long term care insurance licenses
Seth focuses on various aspects of financial planning and solutions. Having worked extensively with many households during his time as a Wealth Advisor Associate at Morgan Stanley, Seth brings a client centric approach and the experience of having seen a vast array of situations to deliver advice and solutions custom tailored to your unique circumstances. He also works diligently to construct custom investment portfolios and enjoys rigorously analyzing securities.
Seth graduated from UNC Chapel Hill with a Bachelor of Arts in Economics and a focused credential in Quantitative Financial Economics. During his college years, he spent his free time volunteering as a youth basketball coach and being a member of UNC's club golf team.
Outside of the office, Seth enjoys spending time with friends and family, playing pickleball and golf, fishing, and exploring Charlotte's thriving restaurant scene.
Securities Agent: GA, VT, VA, AL, SC, PA, NC, MO, CA, MD, KS, MS, MN, AZ, TN, NJ, NY, NH, KY, FL, MI, OK, CO, WY, MA, TX, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2098963
NMLS#: 2098963
About Steven Griffith
Steven was born in Fayetteville, NC and shortly thereafter moved to Lakeland, FL, where he grew up. He attended Florida Southern College where he graduated with a Bachelor of Science degree in Business Administration-Magna Cum Laude. Steven holds the SIE, 7, 66, 9 & 10 licenses as well as the Financial Planning Specialist designation.
Steven joined Morgan Stanley Smith Barney (now Morgan Stanley) in October of 2011. Steven spent 6 years in the US Army where he served in repairing and maintaining turbine engines on Army helicopters, earning the title Aircraft Powerplant Repairer. Steven worked for 3 years as a Registered Client Service Associate, 2 years as a Registered Service Associate and 7 years as a manager titled Business Service Officer before joining the team. He currently holds the title of Vice President, Group Director with Morgan Stanley.
He enjoys scalloping every summer in FL with family and friends. Steven was married in 2023 to his beautiful wife Dr. Kristin Kirby and they recently had a baby girl in December 2024 named Betty Blair after her great grandmother. Steven and his wife have 3 dogs Ghost, Miller and Loki-aptly named as he is the dog of mischief.
Steven joined Morgan Stanley Smith Barney (now Morgan Stanley) in October of 2011. Steven spent 6 years in the US Army where he served in repairing and maintaining turbine engines on Army helicopters, earning the title Aircraft Powerplant Repairer. Steven worked for 3 years as a Registered Client Service Associate, 2 years as a Registered Service Associate and 7 years as a manager titled Business Service Officer before joining the team. He currently holds the title of Vice President, Group Director with Morgan Stanley.
He enjoys scalloping every summer in FL with family and friends. Steven was married in 2023 to his beautiful wife Dr. Kristin Kirby and they recently had a baby girl in December 2024 named Betty Blair after her great grandmother. Steven and his wife have 3 dogs Ghost, Miller and Loki-aptly named as he is the dog of mischief.
About Linda Wiggins
Linda was born in France but raised in Charlotte. She began her career at EF Hutton in 1980 and remained in the financial services industry until 1999. After leaving the industry, she became the Credit Manager for a locally owned family business where she worked for 15 years. In 2018, Linda joined Morgan Stanley, re-entering the financial industry. She and her husband, Jeff, live in Charlotte. Together they have four children and two grandchildren. Linda enjoys drawing, traveling and spending time with her family and friends
Contact Bradley Thompson
Contact Jeff Gaskin
Contact Kevin Patterson
Contact Seth Hauser
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jared M. Bush
Private Banker
About Jared M. Bush
Jared Bush is a Private Banker serving Morgan Stanley Wealth Management offices in the Carolinas.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
NMLS#: 619654
Wealth Management
From Our Team
TPGH Wealth Management Group at Morgan Stanley Brochure - February 2025
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?Link Opens in New Tab
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact TPGH Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Alternative 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.
7Morgan 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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
10Investors 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Alternative 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.
7Morgan 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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
10Investors 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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CRC 6491812 (04/2024)
