City of lakeland microsoft office login12/5/2023 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.ĦMorgan 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. 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.ĥMorgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. 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 AGENCYĤMorgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. 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. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.ĢAnnuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.ģMorgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. 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. (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.ġInvestors should consider many factors before deciding which 529 plan is appropriate. Wade and his wife Beth have two wonderful children, Kurt and Tori, as well as three grandsons, Finn, Wells, and Banks.Ĭertified Financial Planner Board of Standards, Inc. Wade is a boating and fishing enthusiast and enjoys experiencing Florida's great outdoors. Wade holds great value in giving back to his community, he has served on the Finance, Endowment and Planned Giving committee at First United Methodist Church of Lakeland and is a former City of Lakeland Charter Review Committee member. Committed to his clients', Wade's favorite aspect of the business is making sure his clients are accessing their retirement income in the most tax efficient way while building wealth. in Business Administration from Florida Southern College. Prior to joining Morgan Stanley in 1984, Wade earned his B.S. Wade has a passion for helping people develop a roadmap that can lead them to becoming financially independent. With an honest approach, Wade strives to achieve his client’s goals and focuses on developing an efficient plan. Wade is a Senior Vice President and Financial Advisor with the Heritage Group at Morgan Stanley, a highly skilled team of professionals located in Lakeland, Florida.
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