Senior Vice President, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director
Phone:
(916) 797-7731(916) 797-7731
Allen Feest Kjellberg Wealth Management Group at Morgan Stanley
Our Mission Statement
Excellence, experience, and superior service in family wealth management and planning for your family's unique priorities
Allen Feest Kjellberg Wealth Management Group
Since 1995, the Allen Feest Kjellberg Wealth Management Group has shared a common goal: to help you and your family accomplish what means the most to you. By putting you at the center of our wealth management and planning process, we help manage both sides of your balance sheet to achieve your goals and priorities, add more to your bottom line, and enhance the wealth you and your family ultimately keep. We provide a personalized, high-touch experience by applying a unique combination of extensive experience and a commitment to developing deep relationships with you.
We are a team of family wealth managers and planners that oversees the finances of a select group of business owners, business executives, accomplished professionals, and their families. We help our clients navigate the complex transitions life throws their way, whether it is preparing for retirement or retiring, selling/exiting a business, making a career transition, or dealing with challenging life events. By serving a limited number of clients and their families, we meet with them regularly to maintain first-hand familiarity with their evolving circumstances and provide more personal attention and support. Using our clients’ priorities as our guide, we work hard to help protect what they have worked so hard to earn and keep.
Over the years, we have strived to develop a reputation in portfolio design and implementation. John Allen is Family Wealth Director and a Portfolio Management Director in Morgan Stanley’s Portfolio Management Program (PM). We are able to develop personalized financial strategies on a discretionary basis to help our clients and their families pursue the goals and priorities that mean the most to them. We focus on giving our clients benchmark returns while keeping overall risk in check by maintaining a disciplined investment approach. We are transparent in our relationships, and because of that, we discuss balancing goals, investment risk, performance, and costs all in clear terms and plain English.
We are a team of family wealth managers and planners that oversees the finances of a select group of business owners, business executives, accomplished professionals, and their families. We help our clients navigate the complex transitions life throws their way, whether it is preparing for retirement or retiring, selling/exiting a business, making a career transition, or dealing with challenging life events. By serving a limited number of clients and their families, we meet with them regularly to maintain first-hand familiarity with their evolving circumstances and provide more personal attention and support. Using our clients’ priorities as our guide, we work hard to help protect what they have worked so hard to earn and keep.
Over the years, we have strived to develop a reputation in portfolio design and implementation. John Allen is Family Wealth Director and a Portfolio Management Director in Morgan Stanley’s Portfolio Management Program (PM). We are able to develop personalized financial strategies on a discretionary basis to help our clients and their families pursue the goals and priorities that mean the most to them. We focus on giving our clients benchmark returns while keeping overall risk in check by maintaining a disciplined investment approach. We are transparent in our relationships, and because of that, we discuss balancing goals, investment risk, performance, and costs all in clear terms and plain English.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Investment Strategies for Family Offices
- Professional Portfolio ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- Asset Management
- Lending Products
- Cash ManagementFootnote6
- Retirement PlanningFootnote7
- 401(k) Rollovers
- Executive Financial ServicesFootnote8
- Business PlanningFootnote9
- Business Succession PlanningFootnote10
- Stock Option PlansFootnote11
- Corporate Cash Management
- Planning for Education FundingFootnote12
- Planning for Individuals with Special Needs and their Families
- Exchange Traded FundsFootnote13
- Fixed IncomeFootnote14
- Structured ProductsFootnote15
- Alternative InvestmentsFootnote16
- Long Term Care InsuranceFootnote17
- Philanthropic Services
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Helping you and your family accomplish what means the most to you
Community Involvement
We are professionals who are active and responsible citizens of our local communities. We understand that our communities depend on all of us in order to continue to flourish and positively shape our lives. Our clients and their families are passionate about things outside of their finances, and so are we.
Our current and past community involvements include:
- Co-Founder and Member of the Sacramento Angels
- Former Board Member of the Sacramento Ballet
- Member of the Entrepreneurs’ Organization (EO)
- Member of Power of 100 Women (POW)
- Member of Sacramento Region Community Foundation and Placer Community Foundation
- Former Coach and Sponsor of Social Venture Partners: Fast Pitch
- Former Volunteer for Me One Foundation: Me One – Cancer Zero
- Volunteer for Leukemia & Lymphoma Society
- Former Volunteer for Placer SPCA
- Past Director of national outdoor motocross event: Hangtown MX Classic
- Former Member of Franklin Elementary PTC Board
- Member of Loomis Basin Education Foundation
- Former Member of Loomis Youth Soccer Board
- Member and Former Ambassador with Roseville Chamber of Commerce
- Graduate of Roseville Chamber of Commerce Leadership Program
- Member of Placer Land Trust Community Council
Our current and past community involvements include:
- Co-Founder and Member of the Sacramento Angels
- Former Board Member of the Sacramento Ballet
- Member of the Entrepreneurs’ Organization (EO)
- Member of Power of 100 Women (POW)
- Member of Sacramento Region Community Foundation and Placer Community Foundation
- Former Coach and Sponsor of Social Venture Partners: Fast Pitch
- Former Volunteer for Me One Foundation: Me One – Cancer Zero
- Volunteer for Leukemia & Lymphoma Society
- Former Volunteer for Placer SPCA
- Past Director of national outdoor motocross event: Hangtown MX Classic
- Former Member of Franklin Elementary PTC Board
- Member of Loomis Basin Education Foundation
- Former Member of Loomis Youth Soccer Board
- Member and Former Ambassador with Roseville Chamber of Commerce
- Graduate of Roseville Chamber of Commerce Leadership Program
- Member of Placer Land Trust Community Council
Resources & Research
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Morgan Stanley Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Reports
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research ReportDigital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn more about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of of working with our planning technology in reaching your financial goals.
Learn More About Our Planning ToolsLocation
1478 Stone Point Dr
Suite 500
Roseville, CA 95661
US
Direct:
(916) 797-7730(916) 797-7730
Fax:
(916) 797-7750(916) 797-7750
Meet Allen Feest Kjellberg Wealth Management Group
Erik Feest, CFP®
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager
Phone:
(916) 797-7730(916) 797-7730
Vice President, Wealth Management, Financial Advisor, Chartered Retirement Planning Counselor, Senior Portfolio Manager
Phone:
(916) 788-9462(916) 788-9462
Breanna Baker
Senior Registered Client Services Associate
Phone:
(916) 797-7763(916) 797-7763
Mustafa Ahmadzai
Phone:
(916) 797-7791(916) 797-7791
About John L Allen
John has been a financial advisor since 1995 and is a Family Wealth Director and qualified Senior Portfolio Management Director at Morgan Stanley. As a Portfolio Management Director, he focuses on building and managing customized goals-based financial plans by implementing proprietary and disciplined investment strategies. His primary areas of practice include:
-Asset management, including hedge strategies
-Helping clients identify and set long-term financial goals, including estate planning strategies
-Employee stock option and deferred compensation plans
-Assisting clients with large/concentrated stock options
-Alternative Minimum Tax (AMT) issues
-Liability planning and access to a variety of lending solutions
Growing up in Sacramento, John entered the financial services industry in 1995 and has since established the Allen Feest Kjellberg Wealth Management Group. He is a co-founder and member of the Sacramento Angels (a private investment group), and he also is a former board member of the Sacramento Ballet. He is active in motorsports as well as being the past director of the national outdoor motocross event known as Hangtown MX Classic.
-Asset management, including hedge strategies
-Helping clients identify and set long-term financial goals, including estate planning strategies
-Employee stock option and deferred compensation plans
-Assisting clients with large/concentrated stock options
-Alternative Minimum Tax (AMT) issues
-Liability planning and access to a variety of lending solutions
Growing up in Sacramento, John entered the financial services industry in 1995 and has since established the Allen Feest Kjellberg Wealth Management Group. He is a co-founder and member of the Sacramento Angels (a private investment group), and he also is a former board member of the Sacramento Ballet. He is active in motorsports as well as being the past director of the national outdoor motocross event known as Hangtown MX Classic.
Securities Agent: ID, NV, TX, CA, AZ, MI, IN, IL, IA, AK, CO, VA, NY, TN, OK, HI, AL, OR, NC, GA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 619894
CA Insurance License #: 0B93219
NMLS#: 619894
CA Insurance License #: 0B93219
About Erik Feest
Erik is a Certified Financial Planning TM professional and Financial Advisor that joined the Allen Feest Kjellberg Wealth Management Group in 2015. He focuses on developing customized long-term plans for clients and leading our team’s portfolio and investment strategy research and management. He has experience with angel investments and venture capital where he assessed investment opportunities and helped create financial models for private companies. He previously worked with ZS Associates – a management consulting firm – as a sales, marketing, and strategy consultant, and also worked at Genentech as a Market Planning and Strategy team member. His experience with managing teams, developing successful business plans, and conducting market research enables him to help clients with their business goals and priorities in addition to their family goals.
Erik attended the University of California, Berkeley where he earned his Bachelor of Science degree in Bioengineering. He then attended the University of Washington in Seattle, where he earned his Ph. D. in Bioengineering and completed an MBA Entrepreneurship Graduate Certificate.
Erik attended the University of California, Berkeley where he earned his Bachelor of Science degree in Bioengineering. He then attended the University of Washington in Seattle, where he earned his Ph. D. in Bioengineering and completed an MBA Entrepreneurship Graduate Certificate.
Securities Agent: TN, IN, IL, NV, WA, NY, ID, HI, AK, CO, OR, CA, VA, OK, AZ, AL, IA, GA, TX, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1412445
CA Insurance License #: 0K76762
NMLS#: 1412445
CA Insurance License #: 0K76762
About Tatyana Kjellberg
Tatyana Kjellberg is a Financial Advisor with Morgan Stanley who provides personalized investment advice to individuals, families and business owners in order to help grow and preserve their wealth.
Tatyana offers financial planning services to help map out clients' financial futures. She manages comprehensive planning, investment advice, portfolio management, college and retirement planning strategies.
Tatyana earned a Bachelor of Science degree from UC Davis, where she also earned an MBA with an emphasis on Finance.
She lives in Loomis, CA, with her supportive husband, wonderful son and daughter, energetic dogs and a handful of country animals. She volunteers on the boards of her children’s sport and band associations, and enjoys competing in marathons and triathlons.
Tatyana offers financial planning services to help map out clients' financial futures. She manages comprehensive planning, investment advice, portfolio management, college and retirement planning strategies.
Tatyana earned a Bachelor of Science degree from UC Davis, where she also earned an MBA with an emphasis on Finance.
She lives in Loomis, CA, with her supportive husband, wonderful son and daughter, energetic dogs and a handful of country animals. She volunteers on the boards of her children’s sport and band associations, and enjoys competing in marathons and triathlons.
Securities Agent: IN, IA, NM, IL, CA, TX, HI, OK, GA, NC, NY, ID, AZ, VA, AK, WA, TN, OR, NV, AL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1332023
CA Insurance License #: 0K16891
NMLS#: 1332023
CA Insurance License #: 0K16891
About Breanna Baker
Breanna is a Senior Registered Client Service Associate at Morgan Stanley. She started her career in the financial services industry in 2016, after studying Economics at the University of Nevada, Reno. She is dedicated to maintaining a professional attitude while providing accurate and timely results of the team’s daily operational and administrative tasks.
Breanna currently lives in Placerville, with her partner, Tyler, and their dog. She enjoys overnight backpacking trips, running, camping, and golf.
Breanna currently lives in Placerville, with her partner, Tyler, and their dog. She enjoys overnight backpacking trips, running, camping, and golf.
About Mustafa Ahmadzai
Mustafa is a Registered Business Development Associate at Morgan Stanley. Mustafa attended the University of Phoenix and graduated with a degree in Business Management in 2010. Mustafa has a background in technology, operations, and providing the highest level of client experience. Mustafa was previously with Morgan Stanley as a Field Training Specialist, training advisor teams on the firm’s technology platform. Mustafa is focused on client relations; he aims to provide clients with a world class client experience. Mustafa currently lives in Roseville, with his wife, Roshana, and their three children. He enjoys spending afternoons at the park with their kids, watching them explore and play. Cooking alongside his wife is another cherished activity of Mustafa’s, he loves the creativity and collaboration that comes with preparing meals from different parts of the world together.
Contact John L Allen
Contact Erik Feest
Contact Tatyana Kjellberg
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Sue Callantine
Private Banker
About Sue Callantine
Sue Callantine is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
NMLS#: 619891
Wealth Management
From Our Team
Team Update: Allen Feest Kjellberg Wealth Management Group: March 26, 2025
Wealth Management
Global Investment Office
Portfolio Insights
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Impact Outcomes
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Ready to start a conversation? Contact Allen Feest Kjellberg Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 (“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.
5Morgan 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.
6Morgan 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
7When 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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Morgan 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.
12When 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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
16Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 (“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.
5Morgan 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.
6Morgan 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
7When 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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Morgan 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.
12When 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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
16Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
