Emi Mori George, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(808) 871-2237(808) 871-2237
Valley Isle Planning Group at Morgan Stanley
Direct:
(808) 871-2231(808) 871-2231
Toll-Free:
(800) 246-4050(800) 246-4050
Our Mission Statement
The Valley Isle Planning Group believes in empowering you to achieve your financial goals through wealth planning, comprehensive strategies, and technical precision for your life and legacy.
About Us
Valley Isle Planning Group at Morgan Stanley is located in the heart of Kahului, Maui. We have over 50 years of combined industry experience with industry designations in Certified Financial Planning (CFP®) and Certified Investment Management Analyst® (CIMA). It is our honor to work with clients and the journey we take to help achieve their financial goals is built on knowledge, confidence and care. We believe that with comprehensive financial planning, we can give our clients a customized road map that helps lead towards the realization of their goals.
Our team is honored to have received the following awards:
2024-2025 Forbes Best-In-State Wealth Management Teams Ranking
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Emi George awarded 2022-2025 Forbes Top Women Wealth Advisors Best-In-State
2022-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Qualified Retirement PlansFootnote5
- Asset Management
- Estate Planning StrategiesFootnote6
- 529 PlansFootnote7
- AnnuitiesFootnote8
- Alternative InvestmentsFootnote9
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote10
- Long Term Care InsuranceFootnote11
- Life InsuranceFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You:
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:
Step 1: Discovery Meeting
Develop a thorough understanding of your financial goals and objectives.
Step 2: Financial Evaluation
Review and analyze your current financial situation.
Step 3: Forming Your Strategy
Identify and tailor solutions that can help meet your individual needs.
Step 4: Strategy Implementation
Implement your customized strategy, including personalized services and benefits.
Step 5: Monitoring & Performance Tracking
Review your strategy, meeting periodically to discuss your goals and needs
Our Services:
Financial Planning
We will work with you and help you meet your financial goals. Your goals, assets and liabilities are important factors in determining your financial health. We will periodically review your plan to ensure your continue to have a successful financial plan.
Retirement Planning
Planning for your retirement is one of the most important decisions you will have to make. We will assist you with planning your retirement goals, income projections, customized portfolios to help you attain your financial goals.
Wealth Management
We create a customized plan and diversified portfolios to help maximize your investment growth while managing the risks associated.
Estate Planning
We listen to your legacy goals and create a plan customizable to you.
Risk Management
Protecting and growing wealth is achieved by managing risk and avoiding unnecessarily speculation. Our core investment approach is to preserve and growth your investments.
Process
We continue to improve and refine our processes as it is an important part of servicing you. We will adapt to your changes in life to best meet your financial needs.
Digital Solutions
Our digital tools and technologies allow us to create a comprehensive financial analysis and research that are easy to share with you.
Diligence
Diversification, tax efficiency, trust, and fiduciary principals allows us to add value to you. We have a high standard of care and quality when recommending investments to you.
401k Rollovers
Consolidating your assets will ensure your investments are reviewed by risk management. It will provide you with more investment choices, better services and overall ease of monitoring.
ESG Investing
Environmental, social and governance investment is a way to build an ethical portfolio. It allows you to prioritize both financial performance and socially responsible and sustainable investments.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU:
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, seeking to help ensure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and work towards your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and work towards your goals.
1. Personal:
Highly individualized and committed to helping you achieve financial independence.
2. Flexible:
Responsive to changes in your life and in your priorities over time.
3. Comprehensive:
Covering a broad array of investment products and services, with access to Morgan Stanley's vast resources to help align with your individual needs.
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Emi Mori George holds this designation.
Emi Mori George holds this designation.
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification is the premier international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
Tom Lambert holds this designation.
Tom Lambert holds this designation.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click Here to Learn MoreAladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click Here to Learn More
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click Here to Learn MoreVALUABLE TOOLS AND RESOURCES:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
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 EpisodeLocation
33 Lono Avenue
Suite 330
Kahului, HI 96732
US
Direct:
(808) 871-2231(808) 871-2231
Toll-Free:
(800) 246-4050(800) 246-4050
Fax:
(808) 495-0510(808) 495-0510
Meet Valley Isle Planning Group
Senior Vice President, Financial Advisor, Branch Manager, Financial Planning Specialist, Portfolio Manager
Phone:
(808) 871-2238(808) 871-2238
Julie Petro
Financial Advisor, Financial Planning Specialist
Phone:
(808) 871-2231(808) 871-2231
Jackie Carroll
Client Service Associate
Phone:
(808) 871-2254(808) 871-2254
About Emi Mori George
Emi is a Certified Financial Planner, Senior Vice President, and Financial Advisor with the Valley Isle Planning Group at Morgan Stanley since 2011. She is passionate about making a difference in her client's lives and understands the importance of working closely with her clients to identify their personal goals, fears, and hopes. As a Financial Advisor for a highly-skilled team of professionals located in Kahului, Hawaii, Emi is able to provide her clients with a unique combination of experience, knowledge, and skills across wealth management to help guide individuals towards achieving their financial goals. Emi focuses on building and maintaining deep relationships with her clients and providing them with a source of knowledge, confidence, and advice.
Emi has over 25 years of industry experience and has completed her series 7, 63, 65, 3, 9, 10 licenses as well as an insurance license across multiple states and a CFP designation. She has been named to the 2022-2025 Forbes Top Women Wealth Advisors Best-In-State ranking, and has had the privilege of working with various Advisors and clients of all ages, backgrounds and degrees of wealth. This experience is the base of her practice and service model as a Financial Advisor. Prior to joining Morgan Stanley, she earned her Bachelor’s degree in Music from Nebraska Wesleyan University. Emi is an advocate for her clients and seeks to add value to their lives by developing a personalized plan that fits their needs and lifestyle.
Committed to giving back to her community, Emi periodically volunteers with various local organizations such as The Maui Food Bank. Emi has a wonderful husband, 2 amazing daughters, a COVID puppy, and a cat. Outside of the office, Emi and her family juggle a lot of activities but always find a way to catch up over dinner. She has a love for cooking, traveling and doing family activities such as golfing, hiking and practicing the art of Japanese dance.
Emi George was awarded 2022-2025 Forbes Top Women Wealth Advisors Best-In-State.
The Valley Isle Planning Group was also awarded 2024-2025 Forbes Best-In-State Wealth Management Teams Ranking.
2024-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2022-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Emi has over 25 years of industry experience and has completed her series 7, 63, 65, 3, 9, 10 licenses as well as an insurance license across multiple states and a CFP designation. She has been named to the 2022-2025 Forbes Top Women Wealth Advisors Best-In-State ranking, and has had the privilege of working with various Advisors and clients of all ages, backgrounds and degrees of wealth. This experience is the base of her practice and service model as a Financial Advisor. Prior to joining Morgan Stanley, she earned her Bachelor’s degree in Music from Nebraska Wesleyan University. Emi is an advocate for her clients and seeks to add value to their lives by developing a personalized plan that fits their needs and lifestyle.
Committed to giving back to her community, Emi periodically volunteers with various local organizations such as The Maui Food Bank. Emi has a wonderful husband, 2 amazing daughters, a COVID puppy, and a cat. Outside of the office, Emi and her family juggle a lot of activities but always find a way to catch up over dinner. She has a love for cooking, traveling and doing family activities such as golfing, hiking and practicing the art of Japanese dance.
Emi George was awarded 2022-2025 Forbes Top Women Wealth Advisors Best-In-State.
The Valley Isle Planning Group was also awarded 2024-2025 Forbes Best-In-State Wealth Management Teams Ranking.
2024-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2022-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Securities Agent: OH, DC, HI, MN, OK, NC, UT, WY, WI, SC, MA, WV, WA, VT, VA, TX, TN, SD, RI, PA, OR, NY, NV, NM, NJ, NH, NE, ND, MT, MS, MO, MI, ME, MD, LA, KY, KS, IN, IL, ID, IA, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2416304
CA Insurance License #: 0K26583
NMLS#: 2416304
CA Insurance License #: 0K26583
About Thomas J Lambert
Tom is the Maui Branch Manager and Financial Advisor with the Valley Isle Planning Group at Morgan Stanley. He helps clients pursue their financial goals through unique knowledge, experience, and attained skills across wealth management. Tom recognizes what is important to clients and focuses on providing them with the best opportunity to accomplish their goals and objectives. As a Financial Advisor for a highly skilled team of professionals located in Kahului, HI. Tom has developed a keen understanding of portfolio construction, and risk management. As part of his studies, he completed his Certified Investment Management Analyst course work through the Yale School of Management.
Prior to joining Morgan Stanley, Tom received his Bachelor of Arts in Colorado College and holds his Series 7, 66, 9 and 10 licenses. He is a Certified Investment Management Analyst, a designation that focuses on asset allocation, risk management, performance measurement, ethics and due diligence.
Tom was born and raised in New England and later moved to Maui with his wife Kristina. Tom lives with his wife and three wonderful children in a 100-year old family home located on Haleakala. Outside of the office, Tom and his family love spending time outdoors in upcountry Maui and their favorite activity is adventure traveling to ski or hike. Tom coaches club soccer year-round, and still attempts to play soccer in adult leagues.
Prior to joining Morgan Stanley, Tom received his Bachelor of Arts in Colorado College and holds his Series 7, 66, 9 and 10 licenses. He is a Certified Investment Management Analyst, a designation that focuses on asset allocation, risk management, performance measurement, ethics and due diligence.
Tom was born and raised in New England and later moved to Maui with his wife Kristina. Tom lives with his wife and three wonderful children in a 100-year old family home located on Haleakala. Outside of the office, Tom and his family love spending time outdoors in upcountry Maui and their favorite activity is adventure traveling to ski or hike. Tom coaches club soccer year-round, and still attempts to play soccer in adult leagues.
Securities Agent: AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AK, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1279151
NMLS#: 1279151
About Julie Petro
Julie is a Financial Advisor with the Valley Isle Planning Group and brings over 17 years of industry experience to the team with an emphasis on client relationship management. She became a Financial Advisor because of the desire to help people. Julie enjoys being a part of her client’s life journey, both happy and sad. Whether it’s marriage, having a child, retirement, death or divorce, she wants to be there to financially plan each step to ensure her client's financial success. Building a relationship and trust is of utmost importance when helping client’s achieve their financial goals and this is something Julie strives to achieve every day.
She earned her Bachelor’s degrees in Finance and Management and an Executive Master’s of Business Administration from the University of Hawaii at Manoa. She currently holds her series 7 & 66 licenses and life and health insurance license.
Outside of work, her family is her world. She has a son, daughter, and wonderful husband. Julie was born and raised in Honolulu, Oahu. After marrying a Maui boy, they decided to move to Maui to raise their family. She enjoys karaoke, golf, and cooking for family and friends. She is always looking forward to their next family trip or staycation on the beautiful island of Maui!
She earned her Bachelor’s degrees in Finance and Management and an Executive Master’s of Business Administration from the University of Hawaii at Manoa. She currently holds her series 7 & 66 licenses and life and health insurance license.
Outside of work, her family is her world. She has a son, daughter, and wonderful husband. Julie was born and raised in Honolulu, Oahu. After marrying a Maui boy, they decided to move to Maui to raise their family. She enjoys karaoke, golf, and cooking for family and friends. She is always looking forward to their next family trip or staycation on the beautiful island of Maui!
Securities Agent: CA, WA, NE, IN, NV, NY, FL, SD, HI, MI, CO, NC, OR, GA, AZ, VA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2406008
CA Insurance License #: 4215362
NMLS#: 2406008
CA Insurance License #: 4215362
About Jackie Carroll
Born and raised on the island of Maui, Jackie is a Client Service Associate with the Valley Isle Planning Group. She became a Client Service Associate with hopes of one day becoming a Financial Advisor with the ability to make a difference in client's lives. Her mission is to empower others to feel confident about their finances, allowing them to enjoy more of the beauty life has to offer.
Jackie’s professional background includes working within the non-profit industry, as well as having specialized experience in office administration, customer service, bookkeeping and tax preparation. She started being interested in financial services through miscellaneous tasks she was given at previous jobs, and that interest grew into her starting this career.
In her free time, Jackie volunteers at a local non-profit organization: Pacific Cancer Foundation. She is also a previous member of Phi Theta Kappa Honor Society, and was recognized within the National Technical Honor Society for community service and philanthropic engagements. In 2019, she married her high school sweetheart and they have been together for over 11 years. She is extremely family oriented and hopes to use that mentality while working with current/future clients.
Jackie earned an Associate of Arts in Administration of Justice from the University of Hawaii Maui and a Bachelor of Arts in Public Administration from the University of Hawaii West Oahu.
Jackie’s professional background includes working within the non-profit industry, as well as having specialized experience in office administration, customer service, bookkeeping and tax preparation. She started being interested in financial services through miscellaneous tasks she was given at previous jobs, and that interest grew into her starting this career.
In her free time, Jackie volunteers at a local non-profit organization: Pacific Cancer Foundation. She is also a previous member of Phi Theta Kappa Honor Society, and was recognized within the National Technical Honor Society for community service and philanthropic engagements. In 2019, she married her high school sweetheart and they have been together for over 11 years. She is extremely family oriented and hopes to use that mentality while working with current/future clients.
Jackie earned an Associate of Arts in Administration of Justice from the University of Hawaii Maui and a Bachelor of Arts in Public Administration from the University of Hawaii West Oahu.
Contact Emi Mori George
Contact Thomas J Lambert
Contact Julie Petro
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 Valley Isle Planning 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 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
5When 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.
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.
7Investors 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products 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.
Awards Disclosures
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
5When 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.
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.
7Investors 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products 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.
Awards Disclosures
CRC 6491812 (04/2024)
