Charles McNamara, Jr.
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(952) 921-1987(952) 921-1987
The Hyland Reserve Group at Morgan Stanley
Our Mission Statement
We help affluent clients pursue ambitious goals, delivering personalized service, and providing objective investment advice using Morgan Stanley’s global network of resources.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
Our clients are at the forefront of everything we do and each decision we make. Our goal is to establish a comprehensive financial plan for you, your family, and your future goals. The team incorporates a step-by-step process to develop a detailed blueprint that will help you achieve your financial objectives. Giving you a clear picture of this process from the start is the first step we take when working with you.
1. Getting to Know You
We begin by listening to you and understanding your goals. We consider all of your challenges, goals, and aspirations to gain a full picture of where you are and where you'd like to be. By enlisting the vast resources of Morgan Stanley, we will develop detailed solutions for the various aspects of your financial life.
2. Portfolio Management
Your goals to grow, preserve, and transition your wealth should always be weighed alongside a prudent level of risk. In tandem with our team's CERTIFIED FINANCIAL PLANNER™ and Financial Planning Specialists, we'll design and implement a strategy that balances risk and return while staying on-track to meet your objectives.
3. Coordinated Decision Making
We will work together with your tax specialist, estate attorney, and banking/lending experts to act as a centralized financial hub, taking all your financial interests into account. This overarching perspective will aid our development of an investment strategy that functions in tandem with your broader financial goals.
4. Exceptional Service
We hold ourselves to the highest standard when it comes to keeping our clients informed. Working with us, you can expect timely updates and thoughtful replies to your calls and emails. We take the initiative to contact you and build lasting relationships with our clients centered on trust and quality service.
Tools Built For You
One of the many benefits of working with a Morgan Stanley Advisor is unparalleled access to a suite of robust digital resources. From state-of-the-art cybersecurity systems to tax-efficient financial planning and risk assessment platforms, our capabilities allow us to constantly reevaluate your strategy and streamline performance.
Morgan Stanley Online (MSO)
Our web and mobile app allows you to keep track of your finances and seamlessly track spending, budgeting, and net worth.
Online Security Center
With cybersecurity risks on the rise, the Online Security Center will be your home base in learning how to protect your digital footprint including guides on password protection, fraud prevention, and cybersecurity webinars.
Digital Vault
Keeping all your records safe is a top priority at Morgan Stanley. The digital vault tool on MSO allows you to securely store and access wills, deeds, and financial statements. These documents can also be shared with your Morgan Stanley Advisor with the click of a button.
Goals-Based Planning
With our modern software tools, we can develop a cohesive, goal-driven plan that meets your needs while analyzing potential risks. Our planning software helps take your entire financial picture into account while allowing you to track progress over time via your Morgan Stanley Online account.
Research & Resources
Morgan Stanley has established itself as an industry leader in financial and economic research. With all the insights and reports available to investors, it can be challenging to find concise, digestable content when looking for answers on global markets. Below you can find some of our most popular publications and resources.
2026 Tax Tables
Get ahead of the game with our 2026 tax tables, featuring new contribution limits, tax brackets, and more. Tax-alpha can be made year-round, and these tax tables can be a useful resource.
On The Markets (Monthly)
This monthly report highlights market moving news, global trends, and identifies potential investment opportunities. Check back the first week of every month for the latest.
GIC Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Andrew Slimmon's Market Updates
Andrew Slimmon popular "Slimmon's Take" and subsequent market alerts are known for their clarity, straightforward style and accessible approach to market analysis. Access the latest below.
Thoughts on the Market Podcast
Explore short, thoughtful takes on recent events in the markets, every weekday from a variety of perspectives within Morgan Stanley.
Financial Planning
How do you weather volatile markets? A study of nearly 120,000 investors reveals the value of having a sound financial plan to help keep you on track.
Location
8300 Norman Center Dr
Ste 1150
Bloomington, MN 55437
US
Direct:
(952) 921-1971(952) 921-1971
Meet The Hyland Reserve Group
Kris Bjorklund
Executive Director, Financial Advisor, Financial Planning Specialist, Senior Portfolio Manager
Phone:
(952) 921-1975(952) 921-1975
Darcy Dahl, CFP®
First Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(952) 921-1947(952) 921-1947
Garrett Anderson
First Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor
Phone:
(952) 921-1963(952) 921-1963
Isaiah Walden, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(952) 921-1924(952) 921-1924
Pam Schroeder
Portfolio Associate, Financial Planning Specialist
Phone:
(952) 921-1948(952) 921-1948
Kelly Broneak, Chartered Retirement Planning Counselor℠
Business Development Associate
Phone:
(952) 921-1971(952) 921-1971
About Charles McNamara, Jr.
Chuck McNamara is an experienced Financial Advisor at Morgan Stanley in Bloomington, MN, having been at the firm since 1994. Chuck graduated with a Finance degree from St. Cloud State University, then went on to earn his MBA in Finance from University of St. Thomas. Chuck has spent the past three decades helping clients work towards and achieve their financial goals. A hallmark of Chuck's practice is the unbiased advice and problem-solving strategies he offers his clients, always putting their best interests first. He is able to distill complex information, making confusing topics more approachable for clients who may not have financial backgrounds.
In collaboration with three other Financial Advisors and two client service professionals, the Hyland Reserve Group offers the combined strengths and perspectives that can only be achieved by working with a multi-facetted team. With the backing of Morgan Stanley's vast network of resources, Chuck and his team provide tailored strategies and advice to clients through every one of life's milestones.
Chuck and his wife Mary have been happily married for over 30 years and together they have two accomplished sons. Outside of the office Chuck enjoys family time, volunteering in his local community, hunting, fishing, and spending time in Florida.
In collaboration with three other Financial Advisors and two client service professionals, the Hyland Reserve Group offers the combined strengths and perspectives that can only be achieved by working with a multi-facetted team. With the backing of Morgan Stanley's vast network of resources, Chuck and his team provide tailored strategies and advice to clients through every one of life's milestones.
Chuck and his wife Mary have been happily married for over 30 years and together they have two accomplished sons. Outside of the office Chuck enjoys family time, volunteering in his local community, hunting, fishing, and spending time in Florida.
Securities Agent: MO, MA, KS, CA, TN, UT, NY, ND, DE, DC, CO, AZ, WA, SD, LA, AR, TX, NJ, NE, MS, MI, IL, PA, OH, NM, IN, HI, NV, AL, VA, OR, OK, MN, IA, WI, SC, KY, GA, AK, MD, FL, CT, WY, RI, NC, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288082
NMLS#: 1288082
About Kris Bjorklund
After being introduced to the wealth management industry by his father (a former Morgan Stanley Financial Advisor himself), Kris followed in his footsteps, working in a number of different departments at the Firm since 2000. In 2008, he took the leap and became a Financial Advisor, and is currently a Senior Vice President with the Hyland Reserve Group.
Kris prides himself on his dedication to the financial planning process which is at the core of his practice that focuses on families and their constantly evolving needs. Kris recognizes the financial crossroads that emerge through the various stages of life and enjoys walking clients through their options when it comes to their wealth accumulation, retirement income, and legacy planning needs.
A native of Minnesota, having grown up in Prior Lake, Kris now lives in Minnetonka with his wife, April, and their two sons, Elliott and Samuel. As avid campers and outdoor enthusiasts, Kris and his family enjoy trips in their camper throughout Minnesota and the greater Midwest whenever the opportunity arises. Additionally, Kris enjoys completing various DIY projects on his home, and is an aspiring home chef, crafting new recipes for his family to taste and hopefully appreciate.
Kris prides himself on his dedication to the financial planning process which is at the core of his practice that focuses on families and their constantly evolving needs. Kris recognizes the financial crossroads that emerge through the various stages of life and enjoys walking clients through their options when it comes to their wealth accumulation, retirement income, and legacy planning needs.
A native of Minnesota, having grown up in Prior Lake, Kris now lives in Minnetonka with his wife, April, and their two sons, Elliott and Samuel. As avid campers and outdoor enthusiasts, Kris and his family enjoy trips in their camper throughout Minnesota and the greater Midwest whenever the opportunity arises. Additionally, Kris enjoys completing various DIY projects on his home, and is an aspiring home chef, crafting new recipes for his family to taste and hopefully appreciate.
Securities Agent: ND, TN, TX, SD, OK, NV, MN, HI, AK, VA, SC, MD, RI, MI, IN, WY, WI, UT, NJ, MT, MA, CO, AL, WA, MS, KS, IL, PA, DC, AZ, OH, NE, LA, CT, KY, FL, DE, OR, CA, AR, NY, NM, NC, MO, IA, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288028
CA Insurance License #: OK48549
NMLS#: 1288028
CA Insurance License #: OK48549
About Darcy Dahl
Darcy Dahl has been with Morgan Stanley for more than 15 years, building her experience through multiple roles. She began her career as a client service associate before working with the management team as the Complex Administrator supporting all the Morgan Stanley offices in Minnesota, North Dakota and South Dakota. This role strengthened her knowledge of the considerable resources available to financial advisors and clients of Morgan Stanley. She chose a path that allowed her to focus on her passion working in collaboration with clients. She became a financial advisor in 2016 and earned the Certified Financial Planner® designation shortly after that transition.
Darcy closely collaborates with clients, listening to their experiences to ensure they have comprehensive support to make important financial decisions. She has extensive knowledge of working with corporate executives and their families to build and monitor customized approaches around a concentrated equity position. She focuses on retirement planning and estate planning strategies to ensure investment recommendations are not only tax-efficient and appropriate for clients, but help to preserve wealth.
Darcy attended the University of Minnesota where she earned her Bachelor’s degree in Marketing and Entrepreneurial Management. Besides a Gopher football game, she enjoys cooking and staying active through barre classes or golf when the weather allows. She is passionate about mentoring the next generation of women leaders and has served in various mentorship roles for over 10 years. Outside the office, Darcy currently serves on the Investment Committee for the Japanese American Citizens League and is a certified barre instructor and leads fitness classes at barre3.
Darcy closely collaborates with clients, listening to their experiences to ensure they have comprehensive support to make important financial decisions. She has extensive knowledge of working with corporate executives and their families to build and monitor customized approaches around a concentrated equity position. She focuses on retirement planning and estate planning strategies to ensure investment recommendations are not only tax-efficient and appropriate for clients, but help to preserve wealth.
Darcy attended the University of Minnesota where she earned her Bachelor’s degree in Marketing and Entrepreneurial Management. Besides a Gopher football game, she enjoys cooking and staying active through barre classes or golf when the weather allows. She is passionate about mentoring the next generation of women leaders and has served in various mentorship roles for over 10 years. Outside the office, Darcy currently serves on the Investment Committee for the Japanese American Citizens League and is a certified barre instructor and leads fitness classes at barre3.
Securities Agent: TX, IL, VA, RI, OH, NY, MO, DC, OK, NV, DE, CT, AR, UT, NJ, ND, CO, NM, MS, MI, KY, IN, WA, PA, NE, MD, FL, MT, MN, MA, KS, CA, OR, HI, GA, AZ, AK, TN, SD, NC, LA, IA, WY, WI, AL, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1581096
NMLS#: 1581096
About Garrett Anderson
Garrett Anderson has been helping successful families address their financial needs since 2008. Garrett is a graduate of The University of St. Thomas, where he earned a Bachelor’s degree in Business Law and Ethics. Prior to joining Morgan Stanley in 2011, Garrett worked at Merrill Lynch, where he spent several years serving in various positions, including portfolio management roles.
Garrett has been part of Morgan Stanley's prestigious "Pacesetters Club" - an exclusive group of the Firm’s successful Financial Advisors - for five years in a row. Garrett is also a Family Wealth Advisor at the firm, which exhibits his thorough understanding of issues concerning family dynamics, wealth preservation, wealth transfer, legacy planning, and philanthropic initiatives.
Outside the office, Garrett stays busy with his three sons - coaching their soccer and basketball teams on weekends - but also finds time to maintain an active lifestyle. He enjoys mountain biking, snowboarding during the winter months, and boating with family and friends in the summer.
Garrett has been part of Morgan Stanley's prestigious "Pacesetters Club" - an exclusive group of the Firm’s successful Financial Advisors - for five years in a row. Garrett is also a Family Wealth Advisor at the firm, which exhibits his thorough understanding of issues concerning family dynamics, wealth preservation, wealth transfer, legacy planning, and philanthropic initiatives.
Outside the office, Garrett stays busy with his three sons - coaching their soccer and basketball teams on weekends - but also finds time to maintain an active lifestyle. He enjoys mountain biking, snowboarding during the winter months, and boating with family and friends in the summer.
Securities Agent: OK, NE, GA, TN, SC, NJ, IL, FL, WI, NC, MO, IN, IA, CA, WA, PA, NY, AK, ND, MN, MI, MD, DE, CO, OH, LA, DC, AZ, TX, NM, MT, MS, KY, AR, AL, WY, NV, KS, UT, MA, HI, VA, SD, RI, CT, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1408694
NMLS#: 1408694
About Isaiah Walden
Isaiah Walden, joined Morgan Stanley in 2021 following his graduation from Winona State University, having earned his Bachelor’s degree in finance with a minor in economics. Starting as a Complex Analyst in Miami, Florida, he honed his skills in various aspects of the business, including risk, compliance, operations, banking and lending, financial planning, and business development. Returning to Minnesota in 2022, he transitioned into the role of Wealth Advisor Associate, focusing on creating comprehensive financial plans for financial advisors and their clients. Now, as a Financial Advisor and Certified Financial Planner® professional, he prioritizes financial planning as a cornerstone of client relationships.
Originally from Rochester, MN, but now residing in St. Louis Park, MN, Isaiah leads an active lifestyle filled with camping, golfing, snowboarding, basketball, and spending quality time with his wife, Madeline, and their dog, Winnie. He is also a passionate supporter of Minnesota sports and enjoys attending sporting events whenever possible.
Originally from Rochester, MN, but now residing in St. Louis Park, MN, Isaiah leads an active lifestyle filled with camping, golfing, snowboarding, basketball, and spending quality time with his wife, Madeline, and their dog, Winnie. He is also a passionate supporter of Minnesota sports and enjoys attending sporting events whenever possible.
Securities Agent: NC, MD, HI, AK, UT, TX, NM, KY, IL, CO, AR, IA, WA, DE, DC, AL, NV, NJ, MS, MO, IN, WY, NY, MA, GA, TN, RI, ND, MN, VA, SC, MT, MI, LA, FL, CA, PA, KS, CT, WI, OR, OK, AZ, OH, SD, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 2588311
NMLS#: 2588311
About Pam Schroeder
Pam Schroeder joined the financial services industry in 1989 and she has garnered highly valuable client service experience over the years. Pam currently works as a Portfolio Associate at Morgan Stanley and has been working with the team since 2014. Pam’s main responsibilities include assisting with daily administrative logistics and team operations. Pam’s efforts help ensure our clients have a premium service experience from day one.
Pam is registered with the FINRA Series 7, Series 9, Series 10, Series 31, Series 63 and Series 65 licenses. Prior to joining Morgan Stanley, Pam has worked with Piper Jaffray, UBS, and Robert W. Baird, & Co.
When Pam is not in the office her hobbies include going for scenic walks, reading, and bowling.
This role cannot solicit or provide investment advice.
Pam is registered with the FINRA Series 7, Series 9, Series 10, Series 31, Series 63 and Series 65 licenses. Prior to joining Morgan Stanley, Pam has worked with Piper Jaffray, UBS, and Robert W. Baird, & Co.
When Pam is not in the office her hobbies include going for scenic walks, reading, and bowling.
This role cannot solicit or provide investment advice.
About Kelly Broneak
Kelly began her career in Financial Services in 1990. She has earned her Chartered Retirement Planning Counselor™ (CRPC™) designation.
Kelly has an unwavering commitment to excellence and client satisfaction. She prioritizes building lasting relationships, founded on building confidence and transparency. She has consistently delivered a high level of personalized service, striving to simplify and improve each client’s financial life. By tailoring strategies to help meet individual needs and goals, Kelly is dedicated to ensuring every client feels supported and confident in her service. She has an extraordinary attention to detail and truly cares about our clients and their individual situations.
Kelly is married and lives in Minneapolis with her husband, Bill. She enjoys spending time with her two adult children, reading and traveling.
Kelly has an unwavering commitment to excellence and client satisfaction. She prioritizes building lasting relationships, founded on building confidence and transparency. She has consistently delivered a high level of personalized service, striving to simplify and improve each client’s financial life. By tailoring strategies to help meet individual needs and goals, Kelly is dedicated to ensuring every client feels supported and confident in her service. She has an extraordinary attention to detail and truly cares about our clients and their individual situations.
Kelly is married and lives in Minneapolis with her husband, Bill. She enjoys spending time with her two adult children, reading and traveling.
Contact Charles McNamara, Jr.
Contact Kris Bjorklund
Contact Darcy Dahl
Contact Garrett Anderson
Contact Isaiah Walden
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Ready to start a conversation? Contact The Hyland Reserve Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
4Morgan 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.
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 (“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.
7Morgan 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
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
4Morgan 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.
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 (“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.
7Morgan 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
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)