Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.ĤWhen 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. 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.ĢInsurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.ģInvestors should consider many factors before deciding which 529 plan is appropriate. (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.ġMorgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.Ĭertified Financial Planner Board of Standards, Inc. Chip enjoys outdoor activities such as Sailing, Golf and Tennis. They have 4 children and enjoy family trips to the lake, beach and mountains. Additionally, Chip helps the City of Aiken with coaching of youth flag football and basketball programs.Ĭhip is married to Cheryl Marvin, a 2002 graduate of USC-Aiken School of Nursing. He is also a past President of both the Aiken Partnership Board and the USCA Alumni Association. He holds the designation of Certified Financial Planner ® and is employed by Morgan Stanley in the Augusta, GA branch.Ĭhip continues to be very involved at USCA on a volunteer basis currently serving on the Executive Committee for the Aiken County Commission on Higher education, a Governor appointed position. These services are offered to a small group of high net worth individuals and businesses. For over 23 years he has leveraged his experience, relationships and education to develop a full-service business which offers financial solutions ranging from Stocks and Bonds to Insurance and Estate Planning solutions. He is a ‘94 graduate of USC-Aiken with a Bachelor of Science in Business Administration and a concentration in Finance. Chip Marvin is a life-long resident of Aiken, SC.
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