Adam Link
Wealth Management Associate
Phone:
(563) 344-4337(563) 344-4337
Cody R. Flatt
Senior Vice President, Wealth Management,
Financial Advisor
Direct:
(563) 344-4338(563) 344-4338
My Mission Statement
Building generational wealth for clients like you through deeper relationships and proactive planning.
My Story and Services
Cody Flatt is a Senior Vice President at Morgan Stanley. For nearly two decades, High-Net-Worth families have trusted him to develop custom financial advice driven by their personal and financial goals. He combines personal attention, consistent monitoring, and industry experience to help his clients gather, evaluate, implement, and monitor their financial objectives. He prides himself on his efficiency, service, and sustainable relationships with his clients.
Cody built his practice around the desire to offer clients a more sophisticated and disciplined model than those commonly seen amongst advisors, with a keen focus on financial planning to offer the most tailored advice. After 16 years of building client relationships through trust and exceptional service, Cody joined Morgan Stanley to combine his service model with the enhanced technology and scale offered by a global firm.
He is particularly passionate about helping you and your family because of how he feels about his own. Cody spends as much time as he can with his wife, Lynn, and their sons, Jack and Peter. Their family splits their time between the Quad Cities and Scottsdale, AZ, where they are active in the church and golf communities at Illuminate Church and the Silverleaf Club.
Cody built his practice around the desire to offer clients a more sophisticated and disciplined model than those commonly seen amongst advisors, with a keen focus on financial planning to offer the most tailored advice. After 16 years of building client relationships through trust and exceptional service, Cody joined Morgan Stanley to combine his service model with the enhanced technology and scale offered by a global firm.
He is particularly passionate about helping you and your family because of how he feels about his own. Cody spends as much time as he can with his wife, Lynn, and their sons, Jack and Peter. Their family splits their time between the Quad Cities and Scottsdale, AZ, where they are active in the church and golf communities at Illuminate Church and the Silverleaf Club.
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- Asset Management
- Business Succession PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- Executive Benefit ServicesFootnote5
- Financial PlanningFootnote6
- Structured ProductsFootnote7
- Estate Planning StrategiesFootnote8
- Endowments and FoundationsFootnote9
Securities Agent: MS, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, NE, NH, NJ, NV, NY, OH, OK, PA, SC, TN, TX, UT, VA, VI, WA, WI, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2390616
NMLS#: 2390616
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Journey Together
We live in a world of information overload and seemingly endless options. It’s easy to become overwhelmed. What is best for you? What is best for your loved ones? As you financial advisor, I guide you through these questions, among many others, to offer and apply the most appropriate solutions for your specific needs.
Choosing the right financial advisor and the right firm takes time. These decisions are built on knowledge, needs and trust. The choice you make today will likely impact your financial decisions for years to come. Time is one asset we cannot get back, so I take the time up front to help ensure you are fully aware of the options accessible to you that align with your personal risk tolerance and wealth planning needs.
Choosing the right financial advisor and the right firm takes time. These decisions are built on knowledge, needs and trust. The choice you make today will likely impact your financial decisions for years to come. Time is one asset we cannot get back, so I take the time up front to help ensure you are fully aware of the options accessible to you that align with your personal risk tolerance and wealth planning needs.
1. Introductory Meeting
Before any commitments can be explored, each party must establish trust and a solid understanding of each other's needs and the services offered. In the introductory meeting, I am here to simply learn more about you. I also answer all of your initial questions about me.
2. Discovery Meeting
After learning what’s most important to you, I can more effectively share the services we offer that apply directly to your situation and meet your specific needs. After the meeting, I send you a link to create a Morgan Stanley Online login. This is used to safely upload and securely share your personal financial documents into our Digital Vault, which I utilize to build your plan.
Not all documents can be accepted into Digital Vault.
Not all documents can be accepted into Digital Vault.
3. Financial Plan Delivery
Financial plan presentations map out essential factors that play into your financial success: areas such as employee and employer contributions, liquidity events and insurance coverage. I examine all relevant financial information to provide a comprehensive asset allocation analysis. This helps ensure a comprehensive financial plan.
4. Decision & Implementation
Once the plan has been refined we discuss the next steps to implement the plan. The new client onboarding process includes areas such as: timing and transition of assets, setting up automatic withdrawals, linking outside bank accounts, etc. I will make the transition to becoming a client simple and smooth.
5. Consistent Connection
I believe in ease of access, so I operate with an ongoing open door policy when it comes to communication. As for structured monitoring, we will meet based on a schedule determined in our Decision & Implementation Meeting, often quarterly or semi-annual touchpoints. I want to ensure I'm up to date on your latest life changes, and am positioning your portfolio accordingly.
6. Financial Plan Monitoring
I utilize the Portfolio Risk Platform (PRP), which is a state-of-the-art wealth management platform that enables me to identify and better understand risks and business opportunities across my clients’ and prospects' portfolios. Once your financial plan is adopted, I make it accessible within your Morgan Stanley Online (MSO) account. This allows you to know your probability for success at all times. If anything changes, you’re able to email me directly through MSO at anytime.
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in a Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
Any recommendations regarding external accounts/holdings are asset allocation only and do not include security recommendations.
IMPORTANT: The projections or other information provided in a Report regarding the likelihood of various investment outcomes (including any assumed rates of return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations.
•There are frequently large differences between hypothetical and actual results.
•Hypothetical results do not represent actual results and are generally designed with the benefit of hindsight.
•They cannot account for all factors associated with risk, including the impact of financial risk in actual trading or the ability to withstand losses or to adhere to a particular trading strategy in the face of trading losses.
•There are numerous other factors related to the markets in general or to the implementation of any specific strategy that cannot be fully accounted for in the preparation of hypothetical risk results and all of which can adversely affect actual performance.
Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct. They are subject to actual known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from those shown in a Report
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in a Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
Any recommendations regarding external accounts/holdings are asset allocation only and do not include security recommendations.
IMPORTANT: The projections or other information provided in a Report regarding the likelihood of various investment outcomes (including any assumed rates of return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations.
•There are frequently large differences between hypothetical and actual results.
•Hypothetical results do not represent actual results and are generally designed with the benefit of hindsight.
•They cannot account for all factors associated with risk, including the impact of financial risk in actual trading or the ability to withstand losses or to adhere to a particular trading strategy in the face of trading losses.
•There are numerous other factors related to the markets in general or to the implementation of any specific strategy that cannot be fully accounted for in the preparation of hypothetical risk results and all of which can adversely affect actual performance.
Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct. They are subject to actual known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from those shown in a Report
Business Owner Advisory
You understand risk within your niche because you deal with it daily. From expanding your operations to penetrating new markets, you take risks when necessary and mitigate them whenever possible. But what about the process of transferring ownership? What about all the investment options and tax considerations for impending funds from the sale of your business? Have you taken the appropriate steps to specify and fulfill your vision for your business when it's time to retire?
I understand the risks that business owners face around a liquidity event. I also understand that those risks involve not only the future of your business but also the financial well-being of you and your family. My comprehensive planning process can help you identify your most pressing challenges and address them with customized strategies that consider both your personal financial objectives and business ambitions. Moreover, I have helped numerous business owners:
I understand the risks that business owners face around a liquidity event. I also understand that those risks involve not only the future of your business but also the financial well-being of you and your family. My comprehensive planning process can help you identify your most pressing challenges and address them with customized strategies that consider both your personal financial objectives and business ambitions. Moreover, I have helped numerous business owners:
• Manage cash flow more effectively to improve cash flow for day-to-day expenses without invading capital earmarked for growth
• Establish cost-effective 401(k) or other retirement plans to help you and your employees save for retirement
• Formulate viable succession strategies
Planning Your Exit: Whether you're contemplating transferring your business interest to family members, liquidating assets, or selling your shares to current management or an outside party, you have decisions to make and complex issues to address. Common considerations include:
• What do you really want for yourself, your family members, your employees, and the business itself?
• Which transaction structures are relevant to your specific circumstances and goals?
• What are the tax implications of the various alternatives available to you?
• How much is your business truly worth and what can you do to increase its transaction value and liquidity?
• How much will you require from the sale of your business to fulfill the financial aspirations of you and your family?
Allow me to assist in determining how much you will need from a sale to support your desired lifestyle. I have helped numerous business owners analyze their prospects for selling their companies on favorable terms. I offer avenues to market your business and solicit competitive offers from potential investors. I have worked with several successful business owners and their attorneys, accountants, and other advisors to integrate their succession plan with their overall finances and helped them understand the many alternatives available to them.
Selling Your Business: How To Prepare• Establish cost-effective 401(k) or other retirement plans to help you and your employees save for retirement
• Formulate viable succession strategies
Planning Your Exit: Whether you're contemplating transferring your business interest to family members, liquidating assets, or selling your shares to current management or an outside party, you have decisions to make and complex issues to address. Common considerations include:
• What do you really want for yourself, your family members, your employees, and the business itself?
• Which transaction structures are relevant to your specific circumstances and goals?
• What are the tax implications of the various alternatives available to you?
• How much is your business truly worth and what can you do to increase its transaction value and liquidity?
• How much will you require from the sale of your business to fulfill the financial aspirations of you and your family?
Allow me to assist in determining how much you will need from a sale to support your desired lifestyle. I have helped numerous business owners analyze their prospects for selling their companies on favorable terms. I offer avenues to market your business and solicit competitive offers from potential investors. I have worked with several successful business owners and their attorneys, accountants, and other advisors to integrate their succession plan with their overall finances and helped them understand the many alternatives available to them.
Happening Now
We strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers in giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal tax tables
GIC Monthly: On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below.
Check Out This Month's Report
How AI Could Usher in a New Era of Productivity
In a prolonged tight labor market, U.S. companies will rely more on technology to boost efficiency and lower costs.
Read The Article Here
Goals Based Planning
GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
Watch The Video Here
Thoughts On The Markets Podcast
With regular episodes under 10 minutes, Morgan Stanley's Thoughts on the Market podcast allows you to stay in the loop with some of our top executives' understandings market trends and related events.
Check Out The Latest Episode
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
Get Started Here
My Process
We live in a world of information overload and seemingly endless options. It’s easy to become overwhelmed. What is best for you? What is best for your loved ones? I will guide you through these questions, among many others, to offer and apply the most appropriate solutions for your specific needs.
Learn More
Why Morgan Stanley?
If you’ve been looking for a firm to represent your family you’ve likely heard of Morgan Stanley Wealth Management, but you may be wondering what being with a firm like Morgan means to you. Check out this document for five reasons why I chose to be Morgan Stanley Financial Advisors and what difference that makes for clients like you:
Learn MoreModern Wealth Management Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online (MSO)
Allows you to conveniently and securely manage your account online or on your mobile device.
To learn more, and to log in click here
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
To sign up for E-Authorization log into MSO
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To learn about the mobile capabilities and how to get the app, click here
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Click here to learn how to sign up
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
To learn more, watch this video
E-Delivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
To learn more, click hereLocation
4300 East 53rd St
Ste 300
Davenport, IA 52807
US
Direct:
(563) 344-4338(563) 344-4338
14850 N Scottsdale Rd
Suite 600
Scottsdale, AZ 85254
US
Direct:
(480) 922-7800(480) 922-7800
Meet My Team
About Adam Link
Adam Link is an experienced Wealth Management Associate that has been in the financial industry since 2016. Adam originally started in the industry as an advisor and moved over to operations in 2017, advancing his understanding of relationship management and organization within the industry.
As the team's Wealth Management Associate, Adam enjoys connecting with clients and helping run the team's operations. Prior to joining the financial industry, Adam spent 5 years teaching students in high school and junior high. This experience serves him in his current role, as Adam enjoys educating clients and taking a holistic approach to addressing one's finances. Adam feels having clients understand their finances is just as important as ensuring those finances are properly managed.
Outside of work, Adam enjoys spending time with his family and playing or watching baseball and basketball. Adam is a proud husband and father to his wife, Sara, his 2 daughters, and his dog, Poppy.
As the team's Wealth Management Associate, Adam enjoys connecting with clients and helping run the team's operations. Prior to joining the financial industry, Adam spent 5 years teaching students in high school and junior high. This experience serves him in his current role, as Adam enjoys educating clients and taking a holistic approach to addressing one's finances. Adam feels having clients understand their finances is just as important as ensuring those finances are properly managed.
Outside of work, Adam enjoys spending time with his family and playing or watching baseball and basketball. Adam is a proud husband and father to his wife, Sara, his 2 daughters, and his dog, Poppy.
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
Eric Townsend
Private Banker
Sarah Ott, CFP®
Financial Planning Director, Vice President
About Eric Townsend
Eric Townsend is a Private Banker serving Morgan Stanley Wealth Management offices in Iowa, Nebraska, and Missouri.
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.
Eric began his career in financial services in 1992, and joined Morgan Stanley in 2017. His professional experience includes more than 25 years as both a Financial Advisor and Private Banker.
Eric is a graduate of the University of Texas at Dallas, where he received a Bachelor of Science in Economics and Finance. He and his family live in Urbandale, Iowa. When not in the office, Eric donates his time to Habitat for Humanity, St Jude Children’s Research Hospital and ChildServe, an organization dedicated to improving the health and well-being of children through clinical, home, and community-based programs and services.
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.
Eric began his career in financial services in 1992, and joined Morgan Stanley in 2017. His professional experience includes more than 25 years as both a Financial Advisor and Private Banker.
Eric is a graduate of the University of Texas at Dallas, where he received a Bachelor of Science in Economics and Finance. He and his family live in Urbandale, Iowa. When not in the office, Eric donates his time to Habitat for Humanity, St Jude Children’s Research Hospital and ChildServe, an organization dedicated to improving the health and well-being of children through clinical, home, and community-based programs and services.
NMLS#: 1112130
About Sarah Ott
Sarah Ott, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Wealth Management
Global Investment Office
Portfolio Insights
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
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
Are You Prepared for Tax Day?
Article Image
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
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
Ready to start a conversation? Contact Cody R. Flatt today.
1When 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.
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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley 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.
7Structured 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley 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.
7Structured 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
