Trisha Kolosky
Client Service Associate
Phone:
(775) 823-8630(775) 823-8630
William Creekbaum, CFP®, CIMA®, CRPS®
Executive Director,
Financial Advisor,
Corporate Retirement Director,
CERTIFIED FINANCIAL PLANNER®,
Portfolio Management Director,
Financial Wellness Director
Direct:
(775) 823-8645(775) 823-8645
Toll-Free:
(800) 755-6635(800) 755-6635
My Mission Statement
Helping clients with their personalized investment and financial
strategies
strategies
Welcome
William (Bill) Creekbaum, CFP®, CIMA®, CRPS® is a Corporate Retirement Director and Financial Wellness Director with Morgan Stanley for 30 years all in the Northern Nevada Area. He has been a Masters Club Member since 2009 and was named on Forbes Best in State Wealth Advisors 2022.
Prior to Morgan Stanley, Bill served eight years as a Captain in the U.S. Marine Corps., serving in several countries making use of his skills in long-range strategic planning, human relations, management, and operations. Bill received the Navy Achievement Medal, and a top-secret clearance while serving as an aide to a Major General. Bill graduated from the University of Southern California and Virginia Tech and received his Master of Business Administration (Finance) degree from the University of Nevada, Reno.
Bill is originally from Virginia and has resided in Reno, Nevada for 30 years with his wife Laurie and their three daughters, Delaney, Katie, & Madelyn. Bill enjoys reading, running, and skiing and most importantly spending time with family. Bill has run in over 20 marathons including the Boston Marathon, NYC Marathon, London Marathon, and Berlin Marathon. Bill will compete in the 2024 Boston Marathon and the Tokyo Marathon this year.
Bill also spends his time volunteering and being a member of the Northern Nevada community. Bill is currently a board member of University of Nevada, Reno Foundation Planned Giving Advisory Committee (Past Chairman), Estate Planning Council of Northern Nevada (Vice President) and Rotary Club of Reno (Past President. He has also instructed investment courses at Western Nevada College. Bill has a passion to help and strengthen his community through philanthropy and leadership by connecting people who care with causes that matter most to him and his family.
Prior to Morgan Stanley, Bill served eight years as a Captain in the U.S. Marine Corps., serving in several countries making use of his skills in long-range strategic planning, human relations, management, and operations. Bill received the Navy Achievement Medal, and a top-secret clearance while serving as an aide to a Major General. Bill graduated from the University of Southern California and Virginia Tech and received his Master of Business Administration (Finance) degree from the University of Nevada, Reno.
Bill is originally from Virginia and has resided in Reno, Nevada for 30 years with his wife Laurie and their three daughters, Delaney, Katie, & Madelyn. Bill enjoys reading, running, and skiing and most importantly spending time with family. Bill has run in over 20 marathons including the Boston Marathon, NYC Marathon, London Marathon, and Berlin Marathon. Bill will compete in the 2024 Boston Marathon and the Tokyo Marathon this year.
Bill also spends his time volunteering and being a member of the Northern Nevada community. Bill is currently a board member of University of Nevada, Reno Foundation Planned Giving Advisory Committee (Past Chairman), Estate Planning Council of Northern Nevada (Vice President) and Rotary Club of Reno (Past President. He has also instructed investment courses at Western Nevada College. Bill has a passion to help and strengthen his community through philanthropy and leadership by connecting people who care with causes that matter most to him and his family.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Qualified Retirement PlansFootnote4
- Alternative InvestmentsFootnote5
- Business Succession PlanningFootnote6
- Cash ManagementFootnote7
- Defined Contribution PlansFootnote8
- Endowments and FoundationsFootnote9
- Financial PlanningFootnote10
- Long Term Care InsuranceFootnote11
- Municipal BondsFootnote12
- Philanthropic Services
- Planning for Education FundingFootnote13
- Planning for Individuals with Special Needs
- Sustainable InvestingFootnote14
Securities Agent: OR, MO, MI, FL, CA, TX, SC, NM, AZ, CO, UT, GA, PA, ID, VA, NY, SD, NV, MS, HI, WA, NC, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282443
CA Insurance License #: OB47771
NMLS#: 1282443
CA Insurance License #: OB47771
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Wealth Management Process
As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Often, evaluating these options and wisely choosing among them may require the time and experience of a Financial Advisor — one who not only understands your diverse needs, but has access to customized programs that can be properly utilized to provide you with strategies.
As a seasoned Financial Advisor at Morgan Stanley, I focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
It begins with a well-crafted wealth management plan, a prudent investment philosophy and a proven process that is followed with diligence and care. My four-step process provides the context to develop and implement highly customized strategies designed to help you attain your specific financial goals.
As a seasoned Financial Advisor at Morgan Stanley, I focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
It begins with a well-crafted wealth management plan, a prudent investment philosophy and a proven process that is followed with diligence and care. My four-step process provides the context to develop and implement highly customized strategies designed to help you attain your specific financial goals.
1. Discovery
During this discussion, I will ask many questions to understand what matters most to you. We’ll talk about the lifestyle you enjoy, your passions and your concerns. Our conversation will also explore personal values, key relationships, details about your current investment portfolio, preferred manner of communication, as well as identify the other professional advisors with whom you currently work. Capturing all of this information will enable me to map out a long-term strategy, ensuring each facet of your financial situation is working together effectively.
Goals Based Planning
2. Analysis and Recommendation
Based on our dialogue, I will analyze your personal and financial information, assess risks and identify any potential threats to your financial health. I will then present appropriate investment options that are designed to work together to help grow your portfolio and achieve your financial goals. I may also present several wealth management recommendations that often encompass cash flow management strategies, risk management solutions, as well as estate, trust and philanthropic services.
Advice Matters
4. Reviewing Objectives
Ongoing communication is a vital component of our relationship, and I am committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings. I will review your portfolio at your request and whenever you feel your circumstances have changed. I will then seek to make certain your assets are positioned according to your evolving needs. If necessary, I will suggest adjustments to your strategy to address changes in your life or your long-term objectives.
3 Implementation
After you’ve approved your wealth plan, I will work closely with you to help ensure the various elements of your plan integrate well with one another. Wherever appropriate, I will suggest seeking additional, in-depth advice on particularly complex issues we have identified, such as estate planning and tax minimization strategies. Whatever approach we implement, I will help keep your strategy on track.
Invest Confidently As You Pursue Your GoalsTHE IMPORTANCE OF WORKING WITH A CORPORATE RETIREMENT DIRECTOR
Managing a comprehensive retirement plan for your organization takes a unique set of skills. As a fiduciary, you are responsible for selecting and monitoring service providers and investments while also being committed to understanding and implementing ERISA regulations. You must also continue to create fresh strategies to encourage your employees to take full advantage of the program. For many plan sponsors, these responsibilities can be overwhelming.
That's where I can help.
As a Corporate Retirement Director at a leading global wealth management firm, I have access to the vast intellectual resources available at Morgan Stanley. It is the combination of experience, insights and analysis that enables me to deliver solutions to you and your employees. I will work with you to understand your vision and craft a customized plan that supports your organization and your employees. My priority is to understand and consult on the specific needs of you and your employees in a collaborative, professional and educational manner—one that places your goals at the center of our relationship.
That's where I can help.
As a Corporate Retirement Director at a leading global wealth management firm, I have access to the vast intellectual resources available at Morgan Stanley. It is the combination of experience, insights and analysis that enables me to deliver solutions to you and your employees. I will work with you to understand your vision and craft a customized plan that supports your organization and your employees. My priority is to understand and consult on the specific needs of you and your employees in a collaborative, professional and educational manner—one that places your goals at the center of our relationship.
Our Commitment
I believe the best relationships are built on mutual understanding and shared values. I also believe that a disciplined process, robust intellectual resources and the strength of the underlying firm are critical to helping you achieve your organization’s goals in today’s complex market environment.
Learn MoreEducation & Experience
William Creekbaum, CFP®, CIMA®, CRPS®, a former professional logistics officer. Bill served eight years as a Captain in the U.S. Marine Corps., several countries making use of his skills in long-range strategic planning, human relations, management and operations. Bill received the Navy Achievement Medal, and a top-secret clearance while serving as an aide to a Major General
William Creekbaum, CFP®, CIMA®, CRPS®
Bill attended the University of Southern California and Virginia Tech and received his Master of Business Administration (Finance) degree from the University of Nevada, Reno.
Since then, Bill has attended The Wharton School of Business of the University of Pennsylvania’s Investment Management Analyst Program and received the Certified Investment Management Analyst®, the Qualified Plan Financial Consultant, Chartered Retirement Plan Specialist®, Certified Financial Planner™ designations.
Since then, Bill has attended The Wharton School of Business of the University of Pennsylvania’s Investment Management Analyst Program and received the Certified Investment Management Analyst®, the Qualified Plan Financial Consultant, Chartered Retirement Plan Specialist®, Certified Financial Planner™ designations.
Virginia Tech
1986
University of Southern California
MPA- Economics
1990
1990
University of Nevada, Reno
MBA- Finance
1995
1995
Certified Financial Planner™
Sponsored by The College for Financial Planning
1999
1999
Certified Investment Management Analyst®
Wharton School of Business University of Pennsylvania
2001
2001
Chartered Retirement Plans Specialist®
Sponsored by The College for Financial Planning
2012
2012
William Creekbaum, CFP®, CIMA®, CRPS®
As an Executive Director, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Manager, Corporate Retirement Director, Financial Wellness Director. Bill Creekbaum's mission is to provide every client with sophisticated, comprehensive financial advice and investment management strategies – delivered with the highest level of personal service and professional integrity. However, the trust and confidence clients place in Bill and his Team are among the most important factors as a recipient of these recognitions and awards.
2023 Forbes Best-In-State Wealth Advisors
Ranking of the nation’s Best-In-State Wealth Advisors for Nevada.
Named to the 2023 Forbes Best-In-State Wealth Advisors ranking
Named Morgan Stanley Wealth Management Master's Club
Master's Club
2009, 2010, 2011, 2012, 2013,2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023
2009, 2010, 2011, 2012, 2013,2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023
Named Morgan Stanley Wealth Management President's Club
President’s Club
2003, 2004, 2005, 2006, 2007, 2008
2003, 2004, 2005, 2006, 2007, 2008
Named Morgan Stanley Wealth Management Century Club
Century Club
1999, 2000, 2001, 2002
1999, 2000, 2001, 2002
Location
5390 Kietzke Lane
Suite 200
Reno, NV 89511
US
Direct:
(775) 823-8645(775) 823-8645
Toll-Free:
(800) 755-6635(800) 755-6635
Fax:
(775) 329-9578(775) 329-9578
Meet My Team
Brayden Fiorillo
Client Services Associate
Phone:
(775) 823-8644(775) 823-8644
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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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
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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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 William Creekbaum 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.
2When 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.
3Morgan 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.
4When 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8When 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.
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, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
3Morgan 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.
4When 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8When 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.
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, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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Awards Disclosures
CRC 6491812 (04/2024)
