This document does not provide personalized investment advice. It has been prepared without taking into account the personal financial situation and objectives of the people who receive it. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) recommends that investors independently evaluate specific investments and strategies, and encourages investors to seek the advice of a financial advisor. The suitability of a particular investment or strategy will depend on the investor’s individual circumstances and objectives.
Investments in a 529 plan are not FDIC insured, nor are they deposited or guaranteed by any bank or other entity, so an individual may lose money.
The 529 plan program disclosure contains more information about investment options, risk factors, fees and expenses, and potential tax consequences. Investors can obtain a Disclosure of the 529 Plan program from their financial advisor and should read it carefully before investing.
Insurance and annuity products are offered through approved insurance agencies affiliated with Morgan Stanley Smith Barney LLC.
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