Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. 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. 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. 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. 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.ģInvestors should consider many factors before deciding which 529 plan is appropriate. 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.ĢMorgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do 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. Morgan Stanley does not provide tax or legal advice. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit Tax laws are complex and subject to change. 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.
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(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.ġWhen 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.
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Our strategy will continue through your retirement, with a proactive service model by providing frequent communications and regular update meetings.A successful retirement allows you to focus on what is important, live in the moment and not worry about the future.Ĭertified Financial Planner Board of Standards, Inc. I want you to feel comfortable, that the income strategy we develop, will last your lifetime. It is important to know that your retirement cash flow will be stable, even in turbulent stock markets. What investment vehicles will generate your retirement income need above and beyond social security/pension income?I help solve these challenges by offering custom-tailored financial plans.What sources of income will be available to you in retirement?.How much income will you need annually in retirement?.I will help you address three important questions when facing retirement:
When you are either retired or approaching retirement, it is reassuring and important to know, that you can live a comfortable retirement life. Your retirement’s success is how my value is measured and conveyed.
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