Timothy Jernigan, CFP®
Executive Director, Wealth Management, Wealth Advisor, Family Wealth Director, Alternative Investments Director, Senior Portfolio Management Director, Lending Specialist
Phone:
(407) 740-4942(407) 740-4942
Winter Park Maui Group at Morgan Stanley
Direct:
(407) 740-4942(407) 740-4942
Our Mission Statement
We help protect and grow your assets, enhance your lifestyle and create an enduring legacy. Our core value is dedicated to an elevated experience: Doing first-class business in a first-class way.
Our Story and Services
We Strive for a Culture of Excellence. We believe you should expect a first-class client experience.
We work as a team and collaborate with individuals exclusively focused on the needs of the ultra-high net worth: business owners, executives, entrepreneurs and families, while leveraging the strength and intellectual capital of Morgan Stanley. We focus specifically on the needs of the affluent across the country. We help protect and grow your assets, enhance your lifestyle and create an enduring legacy. Our core value is dedicated to doing first-class business in a first-class way.
We realize your wealth represents your life’s work; the responsibility associated with achieving great financial success should not be taken complacently.
Effective wealth management planning should go beyond investment decisions and address broader issues of family dynamics and philanthropic vision. Our core value is “lead with exceptional ideas,” and we are committed to always bringing you and your family our most innovative thinking. You might assume that our “best idea” is an investment view, such as whether to position against rising inflation or reducing equity exposure in a portfolio. But, those questions are often hard to answer thoughtfully without first exploring the broader context of your overall planning. For example, you may have a different time horizon on your individual accounts than you do for your long-term trusts created for children and grandchildren. One entity may need a different type of manager than another based on its unique cash flow, liquidity needs or risk profile. For some it may be an immense need for asset protection strategies to help guard against a litigious society.
Those objectives will change over time, which means we need to have an ongoing conversation.
We don’t have prepackaged solutions for every issue that might arise. We will never understand your objectives, or the underlying dynamics of your family, as well as you do. But we can ask appropriate, open-ended questions to help bring these factors to the surface. We can share stories about families similar to yours and how they have dealt with these factors. And we can point you to other resources that offer thoughtful approaches.
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. 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.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
We work as a team and collaborate with individuals exclusively focused on the needs of the ultra-high net worth: business owners, executives, entrepreneurs and families, while leveraging the strength and intellectual capital of Morgan Stanley. We focus specifically on the needs of the affluent across the country. We help protect and grow your assets, enhance your lifestyle and create an enduring legacy. Our core value is dedicated to doing first-class business in a first-class way.
We realize your wealth represents your life’s work; the responsibility associated with achieving great financial success should not be taken complacently.
Effective wealth management planning should go beyond investment decisions and address broader issues of family dynamics and philanthropic vision. Our core value is “lead with exceptional ideas,” and we are committed to always bringing you and your family our most innovative thinking. You might assume that our “best idea” is an investment view, such as whether to position against rising inflation or reducing equity exposure in a portfolio. But, those questions are often hard to answer thoughtfully without first exploring the broader context of your overall planning. For example, you may have a different time horizon on your individual accounts than you do for your long-term trusts created for children and grandchildren. One entity may need a different type of manager than another based on its unique cash flow, liquidity needs or risk profile. For some it may be an immense need for asset protection strategies to help guard against a litigious society.
Those objectives will change over time, which means we need to have an ongoing conversation.
We don’t have prepackaged solutions for every issue that might arise. We will never understand your objectives, or the underlying dynamics of your family, as well as you do. But we can ask appropriate, open-ended questions to help bring these factors to the surface. We can share stories about families similar to yours and how they have dealt with these factors. And we can point you to other resources that offer thoughtful approaches.
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. 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.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Services Include
- Wealth PlanningFootnote1
- Alternative InvestmentsFootnote2
- Wealth ManagementFootnote3
- Business PlanningFootnote4
- Financial PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Retirement PlanningFootnote7
- 401(k) Rollovers
- Trust ServicesFootnote8
- Long Term Care InsuranceFootnote9
- Planning for Individuals with Special Needs and their Families
- Executive Benefit ServicesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Monetizing Small Business
Running a business requires an exceptional ability to hold on to the big picture while managing the day-to-day details. As you begin to think about selling your business — in whole or in part — or transferring ownership to family members, various strategies can help you achieve your objectives, with the most favorable of terms.
ALTERNATIVE INVESTMENTS
Morgan Stanley Investment Management is a leading provider of alternative investment strategies with expertise that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets. We are dedicated to serving the unique needs of financial advisors and their clients by delivering exceptional portfolios and custom alternative investment programs
Forbes 2019, 2020, 2022, 2023, 2024, 2025 Best-In-State Wealth Advisors: Timothy Jernigan, CFP®
The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Neither Forbes or SHOOK receive a fee in exchange for rankings.
2019, 2020, 2022, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2022, 2023, 2024,2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019, 2020, 2022, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2022, 2023, 2024,2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Family Office Resources
Addressing your complex, multigenerational wealth management issues.
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.
Location
250 S Park Avenue
Suite 500
Winter Park, FL 32789
US
Direct:
(407) 740-4942(407) 740-4942
Meet Winter Park Maui Group
Natasha Carse, CFP®
Financial Advisor, Financial Planning Specialist, Insurance Planning Director
Phone:
(407) 740-4937(407) 740-4937
Stacey Hasken
Registered Associate
Phone:
(407) 740-4934(407) 740-4934
Jeff Holzbach, CFP® CEP
Vice President, Sr. Equity Planner
Phone:
(317) 951-6596(317) 951-6596
About Timothy Jernigan
Timothy M. Jernigan, CFP® currently serves as Executive Director, Family Wealth Director, Alternative Investments Director, Portfolio Management Director, Wealth Advisor and Lending Specialist. Most recently, Tim was recognized by Forbes as one of the Best-in-State Wealth Advisors for 2019, 2020, 2022, 2023 and 2024. This honor is award to a select group of Financial Advisors who embody professionalism, dedication and exceptional service. Tim was also elected to Morgan Stanley’s prestigious 2024 Master’s Club.
Tim has earned Morgan Stanley’s Family Wealth Director (FWD) designation. One of approximately 4% of Morgan Stanley Financial Advisors to have earned the Family Wealth Director (FWD) designation. Tim has accumulated the experience and undergone the rigorous training to better assist you and your family with a broader spectrum of wealth management issues. Tim has demonstrated a sophisticated approach to the management of significant wealth that helps to set him apart from others within the industry.
In over 25 years, Tim has risen through the ranks of the industry and has become a leader in financial services for high net worth individuals. Prior to joining Morgan Stanley, Tim worked as a Wealth Advisor in the Merrill Lynch Private Client Group, earning positions in both the Executive Club and President’s Club. He has earned the CERTIFIED FINANCIAL PLANNER™ designation and received the Five Star Wealth Manager award 2012-2015. Tim has appeared on Orlando ABC Affiliate WTVF and has been featured in a full-page interview with Orlando Style Magazine.
“Wealth planning and investing, when done correctly, can be complex. Our goal is to always explain complicated concepts about portfolio construction and a host of other financial issues to clients in a clear and effective way that allows them to make informed decisions and imagine what’s possible. The simple truth is that next to one’s health, financial planning is one of the most important matters in one’s life. Our purpose is to take care of our clients in a first-class way,” says Tim.
Mr. Jernigan has two degrees from Harding University, Bachelor of Arts in Communication and Biblical Studies. He resides in Winter Park, Florida with his wife Maggie. They attend Action Church in Winter Park. Their daughter, Nicole, graduated from Rollins College and now attends Medical School in Fort Lauderdale, Florida.
Forbes Best-In-State Wealth Advisors
2019-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019-2025).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Five Star Wealth Manager Award
2012-2015 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2015) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Tim has earned Morgan Stanley’s Family Wealth Director (FWD) designation. One of approximately 4% of Morgan Stanley Financial Advisors to have earned the Family Wealth Director (FWD) designation. Tim has accumulated the experience and undergone the rigorous training to better assist you and your family with a broader spectrum of wealth management issues. Tim has demonstrated a sophisticated approach to the management of significant wealth that helps to set him apart from others within the industry.
In over 25 years, Tim has risen through the ranks of the industry and has become a leader in financial services for high net worth individuals. Prior to joining Morgan Stanley, Tim worked as a Wealth Advisor in the Merrill Lynch Private Client Group, earning positions in both the Executive Club and President’s Club. He has earned the CERTIFIED FINANCIAL PLANNER™ designation and received the Five Star Wealth Manager award 2012-2015. Tim has appeared on Orlando ABC Affiliate WTVF and has been featured in a full-page interview with Orlando Style Magazine.
“Wealth planning and investing, when done correctly, can be complex. Our goal is to always explain complicated concepts about portfolio construction and a host of other financial issues to clients in a clear and effective way that allows them to make informed decisions and imagine what’s possible. The simple truth is that next to one’s health, financial planning is one of the most important matters in one’s life. Our purpose is to take care of our clients in a first-class way,” says Tim.
Mr. Jernigan has two degrees from Harding University, Bachelor of Arts in Communication and Biblical Studies. He resides in Winter Park, Florida with his wife Maggie. They attend Action Church in Winter Park. Their daughter, Nicole, graduated from Rollins College and now attends Medical School in Fort Lauderdale, Florida.
Forbes Best-In-State Wealth Advisors
2019-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019-2025).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Five Star Wealth Manager Award
2012-2015 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2015) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: ID, FL, MN, AZ, WY, WA, OH, KS, CO, TX, NJ, AR, AL, SC, IA, GA, DC, WV, RI, OR, NY, NC, IN, NE, IL, HI, VA, UT, MO, MD, MA, CT, MI, CA, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261847
NMLS#: 1261847
About Natasha Carse
Natasha works with Winter Park Maui Group, a team of individuals focused to guiding business owners, entrepreneurs and families in simplifying the complexity of their financial lives. Natasha is a Financial Planning Specialist. Natasha has dedicated her career to understanding the intricacies of financial planning. Our team has developed a financial planning process that guides a select group of clients to reach their financial goals. Our team works with our clients as if they were family members, building relationships based on trust and the highest levels of integrity, with a commitment of putting our clients’ interests ahead of our own.
As a team consisting of two CERTIFIED FINANCIAL PLANNERs™, our shared goal is to help preserve your assets before and during times of market uncertainty, ensuring that your family builds and preserves wealth, maintains your lifestyle, and creates a meaningful legacy.
Exceptional wealth deserves an exceptional level of client service. By limiting our number of clients to a total that is notably fewer than the industry norm, we’re able to provide them with the personalized, high-tough attentiveness they require.
We realize your wealth represents your life’s work. We aim to build our clients’ genuine trust and confidence through comprehensive financial planning. We will take the time to get to know you and your loved ones as you pursue your financial goals. We take a proactive approach. Our team looks at issues that may be on the horizon and tackle them before they become a problem. We deliver world-class investment platforms, access to global insights, and pricing benefits. Our shared goal is to help preserve your assets before and during times of market uncertainty, ensuring that your family builds and preserves your wealth, maintains your lifestyle, and creates a meaningful legacy.
We do this by adhering to our Wealth Management Process:
1. We begin with a conversation to uncover your goals and understand your entire financial picture.
2. Then we analyze your situation and tailor a solution to best achieve each one of those goals.
3. We realize that each client situation is unique, so we implement and execute a strategy specific to you. Meeting spending needs, investing tax-efficiently and other important aspects.
4. Finally, our outgoing commitment is to monitoring your progress and recommend adjustments that will keep you on track. We take a proactive approach by resolving issues before they become a problem.
The cornerstone to our investment process is “managing risk” with a priority of protection of wealth during the most challenging markets. Ensuring that we don’t put our client’s assets at undue risk during most challenging markets so they can achieve the goal of a work optional lifestyle.
Natasha began her career in 2013 as a Financial Advisor in Beverly Hills, CA. She graduated from the California State University with a Bachelor of Science Degree in Business Administration concentrating in Finance & Risk Management. Natasha received a graduate certificate in Financial Planning from Florida State University. Natasha holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. Natasha is an active member of her community and is a part of the Orlando Women Leaders Association. Prior to the financial services industry, Natasha managed her family-owned business for over 10 years.
“Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals.” -Natasha
Natasha and her husband Steph live in Orlando, FL. They help fight bullying through their non-profit organization Y iCount. Natasha and Steph attend a local Christian Church in Orlando, FL.
In her spare time Natasha enjoys fitness, reading, baking, cooking, gardening and professional organizing.
As a team consisting of two CERTIFIED FINANCIAL PLANNERs™, our shared goal is to help preserve your assets before and during times of market uncertainty, ensuring that your family builds and preserves wealth, maintains your lifestyle, and creates a meaningful legacy.
Exceptional wealth deserves an exceptional level of client service. By limiting our number of clients to a total that is notably fewer than the industry norm, we’re able to provide them with the personalized, high-tough attentiveness they require.
We realize your wealth represents your life’s work. We aim to build our clients’ genuine trust and confidence through comprehensive financial planning. We will take the time to get to know you and your loved ones as you pursue your financial goals. We take a proactive approach. Our team looks at issues that may be on the horizon and tackle them before they become a problem. We deliver world-class investment platforms, access to global insights, and pricing benefits. Our shared goal is to help preserve your assets before and during times of market uncertainty, ensuring that your family builds and preserves your wealth, maintains your lifestyle, and creates a meaningful legacy.
We do this by adhering to our Wealth Management Process:
1. We begin with a conversation to uncover your goals and understand your entire financial picture.
2. Then we analyze your situation and tailor a solution to best achieve each one of those goals.
3. We realize that each client situation is unique, so we implement and execute a strategy specific to you. Meeting spending needs, investing tax-efficiently and other important aspects.
4. Finally, our outgoing commitment is to monitoring your progress and recommend adjustments that will keep you on track. We take a proactive approach by resolving issues before they become a problem.
The cornerstone to our investment process is “managing risk” with a priority of protection of wealth during the most challenging markets. Ensuring that we don’t put our client’s assets at undue risk during most challenging markets so they can achieve the goal of a work optional lifestyle.
Natasha began her career in 2013 as a Financial Advisor in Beverly Hills, CA. She graduated from the California State University with a Bachelor of Science Degree in Business Administration concentrating in Finance & Risk Management. Natasha received a graduate certificate in Financial Planning from Florida State University. Natasha holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. Natasha is an active member of her community and is a part of the Orlando Women Leaders Association. Prior to the financial services industry, Natasha managed her family-owned business for over 10 years.
“Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals.” -Natasha
Natasha and her husband Steph live in Orlando, FL. They help fight bullying through their non-profit organization Y iCount. Natasha and Steph attend a local Christian Church in Orlando, FL.
In her spare time Natasha enjoys fitness, reading, baking, cooking, gardening and professional organizing.
Securities Agent: IL, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY, IN, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2151725
NMLS#: 2151725
About Stacey Hasken
Stacey’s unique skills will enhance our ability to provide you with the highest quality service. Her primary responsibility is to handle the day-to-day operational, administrative responsibilities and marketing events. She is committed to providing exceptional service, and does so through her attention to detail.
Prior to joining the Winter Park Maui Group, Stacey worked as a Registered Associate with Morgan Stanley in Des Moines, IA since 2016. She holds the Series 7 and Series 66 licenses.
Stacey graduated from Iowa State University with a Bachelor’s Degree in Apparel Merchandising with a minor in Public Relations.
She has an 11 year old daughter who just started middle school. In her spare time, Stacey enjoys spending quality time with her daughter, traveling, shopping, working out and everything in between.
Prior to joining the Winter Park Maui Group, Stacey worked as a Registered Associate with Morgan Stanley in Des Moines, IA since 2016. She holds the Series 7 and Series 66 licenses.
Stacey graduated from Iowa State University with a Bachelor’s Degree in Apparel Merchandising with a minor in Public Relations.
She has an 11 year old daughter who just started middle school. In her spare time, Stacey enjoys spending quality time with her daughter, traveling, shopping, working out and everything in between.
About Jeff Holzbach
For 28 years, I have worked to guide families and companies with equity awards and financial planning. Analytics and a holistic education and discovery process enable me to identify and prioritize key considerations to help my clients make effective financial decisions.
After graduating from Duquesne University (Pittsburgh) in 1996 with a Bachelor of Science degree in Finance , I moved to Indianapolis IN to work for Charles Schwab. At Schwab, I grew in my role to eventually lead our Financial Planning division and earned the CERTIFIED FINANCIAL PLANNER™ designation in 2003. In addition, I have worked the past 10 years to develop knowledge and skills to help families and companies with equity award analysis and planning. This includes earning the Certified Equity Professional (CEP) designation in 2019. In 2021, I joined Morgan Stanley to support initiatives to enhance the depth and breadth of education and planning capabilities related to equity awards.
Outside of work, I have been married for 24 years and have two children. My time is spent finding ever smaller windows of time with my kids. My son is Junior in college studying economics, and my daughter will be a Freshman in college with a plan to study Actuarial Science. I enjoy outdoor activities including hiking, camping, and fishing.
After graduating from Duquesne University (Pittsburgh) in 1996 with a Bachelor of Science degree in Finance , I moved to Indianapolis IN to work for Charles Schwab. At Schwab, I grew in my role to eventually lead our Financial Planning division and earned the CERTIFIED FINANCIAL PLANNER™ designation in 2003. In addition, I have worked the past 10 years to develop knowledge and skills to help families and companies with equity award analysis and planning. This includes earning the Certified Equity Professional (CEP) designation in 2019. In 2021, I joined Morgan Stanley to support initiatives to enhance the depth and breadth of education and planning capabilities related to equity awards.
Outside of work, I have been married for 24 years and have two children. My time is spent finding ever smaller windows of time with my kids. My son is Junior in college studying economics, and my daughter will be a Freshman in college with a plan to study Actuarial Science. I enjoy outdoor activities including hiking, camping, and fishing.
Contact Timothy Jernigan
Contact Natasha Carse
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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Ready to start a conversation? Contact Winter Park Maui 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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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.
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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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
