David Pendleton
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(989) 790-1048(989) 790-1048
The Pendleton Baumgartner Group at Morgan Stanley
Direct:
(989) 790-1048(989) 790-1048
Our Mission Statement
We help clients feel confident about their future by assisting them with planning and investing, all in a supportive, faith-based, family-friendly environment.
About
The Pendleton Baumgartner Group at Morgan Stanley are a group of local financial advisors, and for over 40 years, we’ve been managing investments for select individuals, families and corporations. We strive to continuously set ourselves apart by implementing new strategies in an effort to help our clients’ grow their assets throughout changing market climates.
We have worked in times of high interest rates and low interest rates, wars and peace, economic expansion and recession. We also have experience with a wide range of investment products including stocks, bonds, options, mutual funds, ETFs, life insurance, annuities, structured products, and many more. Through it all, we draw on our experience, research, and knowledge to help our clients meet their goals and simplify their financial lives.
We have worked in times of high interest rates and low interest rates, wars and peace, economic expansion and recession. We also have experience with a wide range of investment products including stocks, bonds, options, mutual funds, ETFs, life insurance, annuities, structured products, and many more. Through it all, we draw on our experience, research, and knowledge to help our clients meet their goals and simplify their financial lives.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Cash Management and Lending ProductsFootnote4
- 401(k) Rollovers
- Corporate Retirement PlansFootnote5
- Estate Planning StrategiesFootnote6
- Business Succession PlanningFootnote7
- Planning for Education FundingFootnote8
- Divorce Financial AnalysisFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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2024 Tax TablesOur Process
We believe in a personalized approach, working hand in hand with our clients to craft tailored financial strategies that align with your goals. At Morgan Stanley, we leverage state-of-the-art financial tools and technology to provide you with the latest strategies and analysis. Your financial well-being is our top priority.
Setting a Confident Course
Thorough, thoughtful planning - planning that analyzes your current situation as well as your future objective - is a critical step in establishing a path to your goals. There is no "one size fits all" philosophy; the planning process and our recommendations are for you and your family alone.
Shaping Your Retirement
Together we will work to make decisions that help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to income generation from your assets, we will help develop and implement a strategy based on your unique vision for retirement.
Managing the Rewards of Success
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective, strategic advice in structuring (or re-structuring) your portfolio, and for careful analysis of any investments we consider together: asset allocation, investment management, traditional investments, alternative investments, structured investments, and separately managed accounts.
Educating Next Generation
Helping secure a solid foundation and future for children and grand-children is important to many clients. From setting up a 529 plan or opening a custodial account to providing education resources like ‘Financially Fit’ and Spending/Budgeting tools, we are here to help build a strong financial base for your loved ones.
Financially Fit
Intelligent Risk Management
We will manage your portfolio risk effectively with the Portfolio Risk Platform - Powered by Aladdin. This platform offers comprehensive risk estimation and reporting for various asset classes and security types, providing an overview and detailed view to enable effective monitoring and management.
Portfolio Risk Platform
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Tax-Smart InvestingWORKING WITH YOU
With greater wealth comes greater complexity. Our practice offers personalized financial strategies and services to a diverse range of clients, including individuals, families, and small businesses. We work closely with clients to understand their unique financial goals and objectives, and develop customized strategies to help them achieve their desired outcomes.
Financial Planning
No matter what you want to achieve, our focus starts and ends with you. We aim to understand your financial goals and work with you to create a plan designed to help you achieve them.
Multi-Generational Families
Our financial planning process for multi-generational families includes a rigorous analysis of your lifestyle spending, tax obligations, and future gifting plans.
Professional Portfolio Management
Our team will devise and implement investment strategies and processes to help you meet your goals and constraints, construct and manage portfolios, making decisions on what and when to buy and sell investments.
Corporate Executives
When investing we know that clients want to keep as much as they can of what they earn. Our team is here to help you create a strategy that can help manage the taxes paid on investments.
Portfolio Risk Platform
Uncertainty can’t be erased, but it can be managed. Our
sophisticated Portfolio Risk Platform (Aladdin) stress tests your portfolio against 70+ scenarios. Our risk analytics are integrated throughout the investment process.
sophisticated Portfolio Risk Platform (Aladdin) stress tests your portfolio against 70+ scenarios. Our risk analytics are integrated throughout the investment process.
Pre-Retirees
As you progress from your early years in the workforce through your mid-careers and head toward retirement, we will be alongside you, helping to plan and manage risks.
Insurance
Safeguard your family and your legacy with insurance. We can help you protect uncertainty and preserve your wealth with disability, long-term care, and life insurance. Our team will help you evaluate your coverage needs.
Retirees
You’ve worked hard almost all your life, saving along the way for your retirement, which is now upon you. Our team can help you prepare for the market’s unknowns as you approach and enter retirement.
401K Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can help ensure that there is no risky overlap or concentration insecurities and make taking required minimum distribution's easier.
Business Owners
We work with business owners, helping them to create a comprehensive Wealth Plan based on their businesses and personal financial goals. This may include considerations of continuity of a business within a family or a planned eventual sale of the business.
Community Involvement
Our team is passionate about giving back and being involved with our communities and helping others. We are involved with, and support many organization, and here are some that we hold close:
Ada Bible Church
Ada Bible Church exists to lead people into a relationship with God and His church that transforms them to Christ-likeness.
The River Church Holly
The River Church is a place where people can meet Jesus, believers can engage in life-giving community, and everyone is welcome.
Frankenmuth Bible Church
Frankenmuth Bible Church's purpose is to magnify Jesus Christ through passionate corporate worship and solid Bible teaching that’s clear, relevant, and practical for every day living.
St. Lorenz Lutheran Church
St. Lorenz is a congregation which is rooted in time, relevant for today, and reaching for tomorrow. Their teaching is based on the solid Word of God, which gives encouragement, guidance, and direction to our lives.
Saginaw Valley State University Board of Fellows
Members are committed to supporting the personal and educational development of SVSU students, especially through community engagement.
West Michigan Spartans
The West Michigan Spartans is an organization that serves the alumni and friends of Michigan State University in Kent, Ottawa, Allegan, and Barry counties.
Rotary International
Rotary Internal champions peace, fights illiteracy and poverty, helps people get access to clean water and sanitation, and fights disease.
Project Healing Waters
Project Healing Waters brings a high-quality, full-spectrum fly fishing program to an ever-expanding number of disabled active military service personnel.
HOPE Clinic
HOPE Clinic's vision is to create a community where everyone has the opportunity to serve and be served. Made in the image of God, each one of us has value, and deserves to have their needs met.
Foster Love of Genesee County
The Foster Care Navigator Program (FCNP) is made up of a dedicated team of individuals throughout the state of Michigan, committed to providing information, resources, and support to all current and prospective foster families.
Junior League of the Great Lakes Bay Region
The Junior League of the Great Lakes Bay Region is an organization of women committed to promoting voluntarism, developing the potential of women and improving the community through the effective action and leadership of trained volunteers.
Muth United Football Club
The purpose of the MUFC is to promote soccer as a sport, organize soccer teams, provide training in the sport of soccer, and receive gifts/donations.
100+ Women Who Care
100 Women Who Care was started in 2006 as a simple way to raise money efficiently and quickly for local charities.
Mustard Seed Shelter
Mustard Seed Shelter waters the seed of inner strength in women experiencing homelessness so they can make a better life for themselves and their children.
Victorious Believers Ministry
Victorious Believers Ministry is a Christ-centered congregation of triumphant believers who are committed to sharing the Gospel of Jesus Christ both locally and around the world.
Stevens Center for Family Business
The Stevens Center for Family Business (SCFB) exists to support the success of family businesses through the generations with education, networking, and collaboration.
Frankenmuth Chamber
The Frankenmuth Chamber of Commerce and Convention & Visitors Bureau is led by a great team of volunteers that offer leadership and vision for the staff to execute. An organization promoting Frankenmuth and the prosperity of all businesses in the community.
Saginaw Chamber
The Chamber serves hundreds of member businesses in a county of over 206,000 people. The Chamber's goal is to enhance our community assets and work to continue Saginaw County's long tradition of being a great place to live, work, learn and play!
Location
4760 Fashion Square Blvd
Saginaw, MI 48604
US
Direct:
(989) 790-1048(989) 790-1048
Meet The Pendleton Baumgartner Group
Kraig Pendleton
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(989) 790-1049(989) 790-1049
Kelly Baumgartner, CFP®, CDFA®, CRPC®
Vice President, Financial Advisor, Senior Portfolio Manager
Adam Pendleton
Associate Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(989) 790-1036(989) 790-1036
Shanna Jacobs
Financial Advisor
Luke Bogert
Financial Advisor
Phone:
(989) 791-7675(989) 791-7675
Alison Longlois
Wealth Management Associate
Phone:
(989) 790-1075(989) 790-1075
Ashlee B. Miller
Wealth Management Associate
Phone:
(989) 791-7694(989) 791-7694
About David Pendleton
My career in the financial service industry began in 1979. I am currently an Executive Director, Financial Advisor and Senior Portfolio Manager. Throughout my history in the industry, I’ve built a wealth management team highly focused on helping clients grow assets conservatively and consistently. We truly believe in providing an exceptional level of service for our clients and strive to be the best at everything we do for them.
I currently serve on the Board of Directors of Frankenmuth Mutual Insurance Company, the St. Lorenz Foundation, and the Frankenmuth Community Foundation. For twenty years, I served on the Frankenmuth Board of Education, thirteen of those as president. I served a four-year term as vice president and then president of St. Lorenz Lutheran Church. Previously, I have served as president and board member of the Frankenmuth Rotary Club, on the board of the Frankenmuth Chamber of Commerce, and the Saginaw Valley State University Board of Fellows.
I have been a Rotarian in Frankenmuth for over 36 years. My wife and I have hosted many international exchange students and visitors over the past thirty plus years. I enjoy reading, traveling, playing tennis and spending time with my four children and five grandchildren. Much of my free time is spent being a ‘superfan’ at my grandkids many sporting events and performances.
I currently serve on the Board of Directors of Frankenmuth Mutual Insurance Company, the St. Lorenz Foundation, and the Frankenmuth Community Foundation. For twenty years, I served on the Frankenmuth Board of Education, thirteen of those as president. I served a four-year term as vice president and then president of St. Lorenz Lutheran Church. Previously, I have served as president and board member of the Frankenmuth Rotary Club, on the board of the Frankenmuth Chamber of Commerce, and the Saginaw Valley State University Board of Fellows.
I have been a Rotarian in Frankenmuth for over 36 years. My wife and I have hosted many international exchange students and visitors over the past thirty plus years. I enjoy reading, traveling, playing tennis and spending time with my four children and five grandchildren. Much of my free time is spent being a ‘superfan’ at my grandkids many sporting events and performances.
Securities Agent: MT, RI, NY, MD, KY, NV, FL, KS, OH, NC, MI, IL, CO, AL, GA, TN, PA, HI, AZ, TX, OR, MA, CA, WA, VA, NE, LA, DC, WI, SC, NJ, MN, IN, UT; General Securities Representative; Investment Advisor Representative
About Kraig Pendleton
I began my career in financial services when I joined The Pendleton Group in 2007. Prior to that, I owned and ran a marketing and advertising agency employing 14 people. I graduated from the University of Michigan in 1988 with a bachelor’s degree and an MBA from the University of Michigan’s Ross School of Business in 1993. As a Financial Advisor, I have a passion for helping people and creating lasting relationships built on friendship and respect.
I am a proud husband, father of four and strong Christian. We moved back to Frankenmuth in 2009 after 25 years in Ann Arbor, and we attend St. Lorenz Lutheran Church. We volunteer in a number of roles both in the Church and the community. My wife and I have a heart for serving people in need, especially children.
I am a proud husband, father of four and strong Christian. We moved back to Frankenmuth in 2009 after 25 years in Ann Arbor, and we attend St. Lorenz Lutheran Church. We volunteer in a number of roles both in the Church and the community. My wife and I have a heart for serving people in need, especially children.
Securities Agent: OR, DC, KS, PA, MN, KY, TN, GA, FL, CO, VA, OK, LA, TX, CA, AZ, UT, IL, AL, MT, MO, MI, MA, WI, SC, OH, NY, NJ, NC, MD, IN, NV, NE, HI, WA, RI; General Securities Representative; Investment Advisor Representative
About Kelly Baumgartner
When and how did you first start earning money? For me, I was about eight years old, hoeing weeds out of soybean fields during the summers on the family farm. The sun was hot, the rows of crops seemed endless and, the patience required to remove patches of weeds while also being careful not to damage the crop was necessary. To distract me from those things I listened to my favorite music on a cassette player, eventually upgrading to a portable CD player….with Anti-Skip protection! While I could complain about the occasional deer fly that wouldn’t leave me alone or, how my friends didn’t have to work, this job was the beginning of my journey, preparing me for what I do today as a financial advisor.
My siblings and I were paid each week for the money we earned. Without delay, our dad promptly scheduled a trip to the bank with passbooks in hand. Dad would remind us how to identify our account balances and would be sure to get us excited about guessing how much interest we earned since our last deposit. We walked into the bank, up to the teller, proudly handed the teller our passbook with our newly, hard earned cash to deposit. The teller would process the deposit, put our passbook under a printer, which would then reveal how much interest we earned along with our new account balance, the climax of the outing! It was a fun, happy and exciting experience each time. After the deposit was complete, we were again reminded that the only way to get free interest is by saving money. This process repeated itself over and over for years, each time I understood the concept of saving and compound growth more clearly. In fact, saving was so instilled in me that I didn’t realize I could withdraw money from my bank account until I was in high school!
While in high school I worked at a local Credit Union to gain some real-life experience. During this time, it became clear to me that I would pursue a career as a financial advisor. With my professional mission and purpose identified, and in line with my personal interests, I focused all of my college education and certification work on learning how to make my money continue to grow and ultimately, how to help others do the same.
Today, I have the great privilege of collaborating with clients, families and businesses in an effort to help grow and preserve wealth. My team and I have built, and continue to grow, a successful practice based on dedication and genuine care for the clients that we get to serve each day.
My siblings and I were paid each week for the money we earned. Without delay, our dad promptly scheduled a trip to the bank with passbooks in hand. Dad would remind us how to identify our account balances and would be sure to get us excited about guessing how much interest we earned since our last deposit. We walked into the bank, up to the teller, proudly handed the teller our passbook with our newly, hard earned cash to deposit. The teller would process the deposit, put our passbook under a printer, which would then reveal how much interest we earned along with our new account balance, the climax of the outing! It was a fun, happy and exciting experience each time. After the deposit was complete, we were again reminded that the only way to get free interest is by saving money. This process repeated itself over and over for years, each time I understood the concept of saving and compound growth more clearly. In fact, saving was so instilled in me that I didn’t realize I could withdraw money from my bank account until I was in high school!
While in high school I worked at a local Credit Union to gain some real-life experience. During this time, it became clear to me that I would pursue a career as a financial advisor. With my professional mission and purpose identified, and in line with my personal interests, I focused all of my college education and certification work on learning how to make my money continue to grow and ultimately, how to help others do the same.
Today, I have the great privilege of collaborating with clients, families and businesses in an effort to help grow and preserve wealth. My team and I have built, and continue to grow, a successful practice based on dedication and genuine care for the clients that we get to serve each day.
Securities Agent: GA, MO, KS, SC, OR, NJ, MA, RI, HI, UT, FL, AL, NC, PA, NV, MT, IL, AZ, WI, TN, OH, NY, MD, IN, WA, MI, KY, CA, VA, NE, MN, LA, CO, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1312741
NMLS#: 1312741
About Adam Pendleton
I began my career in financial services when I joined The Pendleton Group in 2012. Prior to joining the team, I worked for one of the nation’s largest transportation providers for 10 years. As a financial advisor, I take great pride in caring for my clients by providing excellent service and building meaningful relationships. I graduated from Michigan State University in 2002.
My wife and I live in the Grand Rapids area where we attend Ada Bible Church and I volunteer with the West Michigan Spartans. I enjoy spending my spare time with family and friends, along with sporting clays, golfing and woodworking.
My wife and I live in the Grand Rapids area where we attend Ada Bible Church and I volunteer with the West Michigan Spartans. I enjoy spending my spare time with family and friends, along with sporting clays, golfing and woodworking.
Securities Agent: AZ, MA, KS, KY, CO, WA, UT, MT, WI, LA, AL, VA, NJ, IL, TX, NY, NE, GA, OH, NV, MN, FL, TN, RI, IN, HI, CA, PA, NC, SC, OR, MO, MI, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1492071
NMLS#: 1492071
About Shanna Jacobs
In June of 2020, in the heart of a pandemic, I began my career in the wealth management industry. Joining the Pendleton Baumgartner Group at Morgan Stanley as a Financial Advisor was one of the best decisions I have ever made. I feel so blessed to be in the position to positively impact our client’s lives. I have found my niche in financial planning and pride myself on relationship development and providing superior service to our clients.
I love seeing all the details of a financial plan come together and one of my greatest joys is serving as a guide for some of the most important decisions in our client’s lives. Not only am I a member of a family-oriented team with faith at the forefront, but I am also surrounded by strong, caring, and successful team members. This has paved the way for my teammates and me to continue to grow a successful financial practice.
When I am not meeting with clients, you will find me as an unofficial Uber driver for my three children. I may also be at the soccer fields or in the gym, watching my kids play soccer, basketball and volleyball and living their best lives. My husband and I attend St. Lorenz Lutheran Church with our family. In my free time, I serve as the secretary of our local travel soccer club, coach my daughter’s travel soccer team and occasionally get to sneak in a few minutes to read or go for a run.
I love seeing all the details of a financial plan come together and one of my greatest joys is serving as a guide for some of the most important decisions in our client’s lives. Not only am I a member of a family-oriented team with faith at the forefront, but I am also surrounded by strong, caring, and successful team members. This has paved the way for my teammates and me to continue to grow a successful financial practice.
When I am not meeting with clients, you will find me as an unofficial Uber driver for my three children. I may also be at the soccer fields or in the gym, watching my kids play soccer, basketball and volleyball and living their best lives. My husband and I attend St. Lorenz Lutheran Church with our family. In my free time, I serve as the secretary of our local travel soccer club, coach my daughter’s travel soccer team and occasionally get to sneak in a few minutes to read or go for a run.
Securities Agent: OH, AZ, KS, OR, NV, MO, KY, IL, FL, CO, MI, GA, CA, TX, PA, NJ, NE, NC, MD, AL, RI, NY, IN, MA, HI, WA, VA, UT, MT, WI, TN, MN, LA, DC, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2355787
NMLS#: 2355787
About Luke Bogert
I began my career with the Pendleton Baumgartner Group after graduating from Saginaw Valley State University in 2021 with a BBA in Finance. Throughout my time at Saginaw Valley, I was a graduate of the Garber Business Edge Leadership program and interned with Northwestern Mutual for eight months. I am now a Financial Advisor with the team, eager to provide the best possible service to our clients.
I am a member of Frankenmuth Bible Church and play the keyboard on a weekly basis. Outside of the office I enjoy golfing, hiking, woodworking, and many other outdoor activities with my chocolate lab, Gus.
I am a member of Frankenmuth Bible Church and play the keyboard on a weekly basis. Outside of the office I enjoy golfing, hiking, woodworking, and many other outdoor activities with my chocolate lab, Gus.
Securities Agent: NE, KS, PA, OK, NY, MT, MN, LA, AL, RI, VA, UT, TX, NC, MA, HI, DC, SC, NV, GA, FL, CA, AZ, WI, OH, KY, IL, OR, MO, IN, WA, TN, MI, CO, MD, NJ; General Securities Representative; Investment Advisor Representative
About Alison Longlois
After graduating from Davenport University with my bachelor’s degree in 2010, I immediately began working in the financial services industry with The Pendleton Baumgartner Group. I am a Registered Associate that handles administrative aspects of our business and provides value added services for our clients.
My husband and I live in Holly with our three children. We attend The River Church – Holly, where I volunteer with the Awana program. I have previously served as Deaconess and on the Future Facility Planning Financial Committee of South Baptist Church. I also volunteer for Foster Love: Genesee County as a childcare provider during their parent support nights.
My husband and I live in Holly with our three children. We attend The River Church – Holly, where I volunteer with the Awana program. I have previously served as Deaconess and on the Future Facility Planning Financial Committee of South Baptist Church. I also volunteer for Foster Love: Genesee County as a childcare provider during their parent support nights.
About Ashlee B. Miller
I graduated from Northwood University in 2013 with a Bachelor’s degree in Business Administration. I have over 15 years of banking and lending experience having worked at Chemical Bank, Mercantile Bank and Dow Chemical Credit Union. I began working for Morgan Stanley in September 2014, became a registered associate in August 2017, in January 2019 became a Portfolio Associate and in July 2022 was promoted to Wealth Management Associate. As a Wealth Management Associate my primary focus is providing first-class service to our clients and administrative support for the Pendleton Baumgartner Group.
I live in Sterling with my husband, Jeff, and our three children, Taylor, Makayla and Donovan. Outside of work I am a mom taxi and support my kids in their many extracurricular school activities including cheer, swim, basketball, volleyball and softball. When we are not in the stands cheering on the kids we enjoy cheering for our local hockey team, the Saginaw Spirit, and baseball team, the Great Lakes Loons. We spend a lot of time outside working in the yard and playing and love to spend time with our families.
I live in Sterling with my husband, Jeff, and our three children, Taylor, Makayla and Donovan. Outside of work I am a mom taxi and support my kids in their many extracurricular school activities including cheer, swim, basketball, volleyball and softball. When we are not in the stands cheering on the kids we enjoy cheering for our local hockey team, the Saginaw Spirit, and baseball team, the Great Lakes Loons. We spend a lot of time outside working in the yard and playing and love to spend time with our families.
Contact David Pendleton
Contact Kraig Pendleton
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Contact Adam Pendleton
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5When 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.
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.
7Morgan 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
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.
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.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. 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.
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 AGENCY
5When 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.
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.
7Morgan 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
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.
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.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
