My Story and Services

True financial planning encompasses more than just having a financial plan. It is about having a dedicated financial advisor who understands all the pieces of your financial puzzle and can connect them together into a picture that addresses all aspects of life that may affect your fiscal well-being. We at The Portico Group believe that management is most meaningful when it reflects your goals, values and aspirations. Although your individual situation is unique, our clients have the commonality of wanting to live their lives to the fullest in a way that supports the lifestyle, people, causes and organizations that matter most to them.

Our work together will start with a comprehensive review that will inform and help empower you to become an active participant in our process - only then will we implement a strategy that addresses your specific circumstances. We appreciate collaborating with your other dedicated advisors (CPAs, estate planning attorneys, real estate professionals, business managers etc.) to most effectively realize our shared vision. Our value proposition includes the ability to integrate the world class resources, open architecture platform and intellectual capabilities of a large multinational investment firm and combine them with the flexibility of a highly personalized independent family style wealth office.
Services Include
Securities Agent: CO, OH, FL, WA, WI, MN, IN, NY, MI, VA, CA, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288375
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Who We Work With

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    Families

    Helping families navigate complex financial decisions and develop a plan to achieve their financial goals is something we pride ourselves on. We provide comprehensive and continuing guidance on all traditional financial topics, but also know that your busy lives include children, parents, siblings, careers and all the complicated issues that come along with those things. Our team is here to work alongside of your family as you navigate major life events such as marriage, the birth of a new child (or grandchild!), divorce, health issues, the passing of a loved one, or whatever difficulty you are facing. We work together so you can make informed decisions that provide both financial success and personal fulfillment.

    Learn More about How to Break the Ice Around Family Finances
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    Business Owners/Entrepreneurs

    We know that, as a business owner/entrepreneur, your attention is being pulled in innumerable directions. From building a well-executed business structure, funding, lending, tax planning, pre-monetization preparations and transaction execution, to post liquidity and estate planning; we'll be there to work with you and your other advisory relationships to help in a coordinated and focused manner. The combination of our experience coupled with the extensive and wide ranging resources of the global investment and asset management firm of Morgan Stanley provides a formidable set of resources for our business owners and entrepreneurs.

    Learn More about Financing Your Business
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    Executives

    We work with executives in both public and private companies across various industries, and understand the complexities of equity-based compensation involving stock options, restricted and/or concentrated stock and performance shares. We realize that each person's position is unique and, at times, complicated; we will help you analyze your executive benefits (in your current position, or if you are contemplating making a change, we'll help you evaluate the package offered in the new position) in the context of your overall financial position. We will create a comprehensive picture that includes both your professional and personal lives that provides a framework from which you can achieve continued growth, protect your wealth and secure your financial future.

    Learn More about a Financially Resilient Workforce
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    The Next Generation

    We have been fortunate enough to work with some of our clients for over twenty five years, which naturally has led us to engage with the next generation of family members. Educating young adults and teaching them to become financially independent as they move from their schooling to their growing careers is of particular importance to us. By beginning this process early, we are able to engage and grow trusted and meaningful relationships. Our comprehensive, inter-generational planning takes into account the goals and needs of each generation, and is developed to help achieve the unique vision of a successful life and legacy for all involved.

    Teach Your Teenagers About Money by Clicking Here
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    Retirees

    For most clients, the ability to retire comfortably is a primary financial goal. To get there requires foresight, planning and dedication. This is a process, and your needs will shift as you get closer to, and then into, retirement. Our job is to work side-by side with you to understand your cash flow needs, risk tolerance, to make tax efficient distribution and to update and clarify your estate plan to make sure you remain on the right financial path. We do this by regularly evaluating any possible changes that might cause you to move off course (both financially and personally), understanding your thoughts and concerns, and presenting a clear and comprehensive plan we can execute together.

    Are you Ready for Retirement? Click here to learn more

Client Resources

Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.

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    Global Investment Committee “GIC” Weekly

    The Global Investment Committee's Lisa Shalett headlines this weekly looks at markets, asset class, performance, and fixed income.

    Check out the latest GIC Weekly
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    Research Report & Podcast

    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.

    Check out the Latest in Research and Podcasts
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    Total Wealth View

    With this service, you can view all your investments together on our encrypted website – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place. Providing a current and comprehensive view of your wealth.

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    Morgan Stanley Online (MSO) & Mobile App

    Your Investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.

    Register for Morgan Stanley Online
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    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.

    Learn more about Total Tax 365
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    Portfolio Risk Platform

    Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.

    Learn more about the Portfolio Risk Platform
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    CashPlus: A Modern Alternative to Banking

    Thoughtful cash management is a critical component of a comprehensive wealth management plan. CashPlus at Morgan Stanley gives clients exceptional access and value, comprehensive protection and a seamless digital experience with a suite of capabilities.

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    Spending and Budgeting Tool

    Track spending habits, categorize expenses and create budgets across your financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.

    Click here to watch a video about our Spending and Budgeting Tool
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    eServices

    A suite of eServices including eSign, eDoc, eDelivery and eBills allows you to open new accounts, authorize transactions, receive important investment documents and make payments easily and quickly.

    Learn More about eBills
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    Digital Vault

    Manage and share life's most important documents, such as wills, deeds and estate plans , as well as financial statements and tax filings.

    Learn more about Digital Vault
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    Cybersecurity

    We all rely on technology to make our lives easier at both work and home – which is why staying safe and secure online is so important for each of us. Morgan Stanley provides many enhanced security features to help protect and safeguard your information, as well as resources you can access to reduce your vulnerability to hackers or scams.

    Learn more about Cybersecurity Security Center
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    Aligning Portfolios with Personal Values: Investing with Impact

    Your investment strategy can be more than just a means of accumulating wealth; it can be a tool for supporting the positive change you wish to see in the world. Determine what causes you want to support, learn about the various approaches to Investing with Impact, and we can discuss which strategy is best for you.

    Learn more about Investing with Impact
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    Workspace Insights

    There's never been a more important time for business leaders to be in in the know and be in the now. Our insights page brings industry professionals and thought leaders together to deliver the fresh perspectives and keen insights needed to help drive your business forward. Take a look at the link below for Morgan Stanley's "At Work" hub of ideas.

    Learn more about Workspace Insights
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    Family Office Resources

    We offer extensive specialized resources for UHNW clients in trust and estate planning, family governance, wealth education, family office management, philanthropy management, private banking and wealth planning for art and collectibles.

    Learn more about Family Office Resources

Giving Back

    The Celiac Disease Foundation

    Who We Give To: The Celiac Disease Foundation, established in 1990, is a leading global patient advocacy organization committed to accelerating diagnosis, treatments, and a cure for celiac disease. Our mission is to improve the health and well-being of the millions of individuals around the world affected by this genetic autoimmune disease through our strategic investments in research, advocacy, and education.

    Why We Give: After several years of worsening health issues, Amy's son Luke was diagnosed with Celiac disease when he was eleven years old. Although it was a relief to have a diagnosis, the severity of Luke's illness has impacted all aspects of his daily activities and will continue to do so for the rest of his life. Food is not just a necessity to thrive, but also a way to connect. With this in mind, we hope to not only raise the general understanding of Celiac, but support the efforts to find a possible cure for this autoimmune disease.

    Children’s Minnesota

    Who We Give To: At Children's Minnesota our mission is: We champion the health needs of children and families. We are committed to improving children's health by providing the highest-quality, family-centered care, advanced through research and education.

    Why We Give: At age 4, Lauren was diagnosed with stage 3 Rhabdomyosarcoma cancer. She received chemotherapy treatments and underwent multiple surgeries for three years at Children's Minnesota Hospital. As a proud 36-year survivor who has been able to live a healthy and active lifestyle, Lauren strongly believes in the mission at Children's Hospital Minnesota. She feels that donating Children's Cancer Fund is a beautiful way to give back and make a meaningful impact on the lives of children and their families who are battling cancer.

    PanCAN

    Who We Give To: PanCAN was the first organization dedicated to fighting pancreatic cancer in a comprehensive way. For more than two decades, we've grown a nationwide movement tackling the disease from all angles. Their mission is to take bold action to improve the lives of everyone impacted by pancreatic cancer by advancing scientific research, building community, sharing knowledge and advocating for patients.

    Why We Give: After losing both of her parents to pancreatic cancer, Amy feels a deep and personal connection to all those affected by this relentless disease. With a one year survival rate of less than 5%, pancreatic cancer is one of the hardest to detect and treat of all cancers. PanCan supports not only new research efforts (and exciting advances in immunotherapy treatments), but also offers connectivity to those affected by the disease and their families as well. With recent understanding that up to 10% of pancreatic cancers can be genetic in nature, Amy is also interested in supporting genetic testing and awareness for those who might be impacted.

    Gillette

    Who We Give To: Gillette collaborates with primary care physicians with one goal in mind: to support the full value of every child. With innovative medical and surgical intervention and the support of compassionate health care professionals, children can thrive and live happy, healthy, productive lives.

    Why We Give: Gillette has been near and dear to Molly's heart since 2016 when her nephew Bennet came into her life. Bennett was born with Spina Bifida and has undergone 19 surgeries to date. Her family is thankful every day for the amazing doctors and nurses at Gillette for helping Bennett get to where he is today!

    Children's Cancer Research Fund

    Who We Give To: Funding for childhood cancer research pales in comparison to funds available for research into adult cancers. In fact, as a percentage of cancer research funding from the federal government, childhood cancer research funding is in the single digits. It is crucial that we fund safer, more effective treatments and cures for kids with cancer. The road to new, better treatment options always start with philanthropic support.

    Why We Give: Amy's desire to support CCRF comes from her connection to friends that have either lived through or lost children to cancer. Their focus on supporting unique and promising research, many times in its early stages, brings needed support to institutions across the country. The passion CCRF has for its mission is inspiring.

    Second Harvest Heartland

    Who We Give To: Second Harvest Heartland is a leading hunger-relief organization. In partnership with more than 1,000 food shelves and hunger-relief programs in Minnesota and western Wisconsin, we provided 128 million meals to neighbors last year. We also help families enroll in food assistance and provide prepared meals for people who need more than groceries. Second Harvest Heartland is a leader, convener and voice in hunger-related policy discussions

    Why We Give: We first started volunteering at Second Harvest Heartland through our local Morgan Stanley offices and their annual "Giving Back" day. It has been a time for us all to work together to sort and pack food to go to local food shelves. We are proud to be a few of the over 16,000 volunteers working to alleviate food insecurity and hunger in Minnesota and western Wisconsin by donating both our time and our financial resources.

    Heifer International

    Who We Give To: The mission of Heifer International is to end hunger and poverty while caring for the Earth. Heifer does this by providing appropriate livestock, training and related services to small-scale farmers and communities worldwide.

    Why We Give: Amy's family has found a "Win-Win" in donating to Heifer International. Instead of giving holiday/birthday gifts to family who don't want more 'things', we sit with our kids and choose 'gifts' of animals (flocks of chicks for eggs, sheep for wool, water buffalo for tilling fields, honeybees to increase fruit and vegetable yields, etc.) that small farmers around the world can use to provide themselves and their families a sustainable livelihood while also improving their nutrition.

    Alzheimer's Association

    Who We Give To: The Alzheimer's Association leads the way to end Alzheimer's and all other dementia- by accelerating global research, driving risk reduction and early detection, and maximizing quality care and support.

    Why We Give: Through our clients and their families, we have witnessed firsthand the devastating effects Alzheimer's and dementia has on everyone it touches. Although there is currently no cure, we believe our contributions can assist researchers in their efforts to advance treatment options, slow disease progression and support caregivers.

    WomenVenture

    Who We Give To: For over forty years, WomenVenture has provided women of all age, cultures, races, and income levels with the tools and resources to achieve economic success through small business ownership.

    Why We Give: Amy has been a regular donor to WomenVenture for many years, and feels strongly about supporting women led start-ups. With women receiving a disproportionally small amount of funding for their companies, WomenVenture is an excellent locally run opportunity to connect with mentors while also receiving training and access to lending for their entrepreneurial endeavors.

Location

225 South 6th St
Ste 5300
Minneapolis, MN 55402
US
Direct:
(612) 371-8824(612) 371-8824
Toll-Free:
(800) 786-6770(800) 786-6770
Fax:
(612) 340-1773(612) 340-1773

Meet My Team

About Molly Davis

As a Registered Client Service Associate and Financial Planning Specialist, Molly supports the team and its clients through her portfolio work. This includes investment manager and alternative investment analysis, portfolio construction, and insurance and annuity reviews. Molly also creates personalized LifeViews and Personal Wealth Books for each of our clients. Molly enjoys working directly with clients to create meaningful and comprehensive financial plans designed to help meet their goals and needs. With an eye for detail and a love for problem solving, Molly feels passionately about providing customer service that is above and beyond as well as creating and completing objective-focused projects.

Molly joined Morgan Stanley in January 2020 after managing the Administrative and Marketing functions at a Minnesota based investment bank for several years. Prior to that, she earned her BA in Psychology at College of St. Benedict and a master’s degree in Counseling Psychology from the University of St. Thomas.

In her personal time Molly enjoys all Minnesota has to offer; sports, new restaurants, live music, and quality time at the lake. She especially loves spending time with family and cherishes her role as “Auntie.”

*This role cannot solicit or provide investment advice.

About Lauren Taney

Lauren's passion is building strong relationships with multiple generations of client families and providing them with personalized service. She is a dedicated problem solver and understands that each relationship is built on trust and confidence in the service and processes we provide to clients. Her responsibilities for the team include servicing client accounts, preparation of client meeting materials, executing trades, operational support and addressing client concerns.

An industry veteran, Lauren began her wealth management career in 2008 at Morgan Stanley. She joined Amy’s team in 2014 to provide high quality client service and integrated wealth management strategies that help simplify and enhance the quality of our clients' lives. Lauren understands the critical important of providing clear communication and timely follow-up while delivering exceptional service.

She earned her Bachelor’s degree in communications with a minor in business from the University of St. Thomas and holds her FINRA Series 7 & 66 registrations and insurance license. Lauren lives in Eden Prairie and enjoys playing tennis, golf, and spending time with family and friends.

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

About Mamta Shah

Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.

Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.

Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.

Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.

About Lynn King

Lynn R. King is a Family Office Resource Generalist for the Mid-America region. She has over 15 years of experience working with families, family offices, and their attorneys, CPAs and financial advisors on issues unique to the UHNW client. Lynn started her career as an attorney in Illinois working with closely held businesses across the country on a broad range of topics, including entity structuring, estate planning, business succession and tax. She then joined New York Life Insurance as a Corporate Vice President in their Advanced Planning Group. In this role she expanded on her experience from private practice and engaged with clients on complex business and personal planning needs.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
Wealth Management
From My Desk

Election 2024: Investors' Top Questions Answered

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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact Amy Aadalen CFP® , CEPA® today.
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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.

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2Alternative 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.

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3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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4Morgan 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.

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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.

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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

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7Morgan 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.

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8Morgan 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.

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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

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12Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.

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13Morgan 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.

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14When 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.

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15Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.

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16Morgan 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.

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17When 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.

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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:
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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.

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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.

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Awards Disclosures
CRC 6491812 (04/2024)