Daniel T Younglove
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(630) 203-6170(630) 203-6170
DKT Cornerstone Group at Morgan Stanley
Geneva:
(630) 262-2282(630) 262-2282
Oak Brook,:
(630) 203-6153(630) 203-6153
Our Mission Statement
Customized investment and financial strategies for clients like you
About Us
The DKT Cornerstone Group's mission is to try to make your lifetime goals and dreams happen. What that means to you is that you actively participate in designing the financial life you've dreamed of and we help you accomplish it. Knowing exactly what your goals are and helping you identify them is just as important as the strategy used to try to achieve them.
In four stages, we assist you in uncovering the different aspect of your wealth by engaging you in purpose driven conversation. We get to know your way of thinking about money, discover what's important to you, put your unique plan into action and make necessary course corrections along the way. Your wealth isn't just about your money and possessions it's about accomplishing your goals and living your dreams. Our process gives you comfort knowing you have someone guiding you.
We are passionate about shaping lifetime goals and dreams of our clients and look forward to sharing that passion with you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
In four stages, we assist you in uncovering the different aspect of your wealth by engaging you in purpose driven conversation. We get to know your way of thinking about money, discover what's important to you, put your unique plan into action and make necessary course corrections along the way. Your wealth isn't just about your money and possessions – it's about accomplishing your goals and living your dreams.
Our process gives you comfort knowing you have someone guiding you. We are passionate about shaping lifetime goals and dreams of our clients and look forward to sharing that passion with you.
A FINANCIAL PLAN MADE FOR YOU
Using a suite of tools that includes goal-specific analysis, we can work together to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs. The following resources below will introduce you to a few of the tools that we use, please click to learn more about topics impacting your wealth
Financial Planning
A variety of planning-related tools—including our award-winning Goals Planning System (GPS) and LifeView—which enable us to provide a single, comprehensive snapshot of your finances and adapt a wealth plan to your ever-changing life demands and modify goals as needed.
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property and casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
DIGITAL RESOURCES
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We strive to ensure we serve our clients with market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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.
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.
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance you own online security.
INSIGHTS & RESOURCES
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
- Log into your account via Morgan Stanley Online
- Click the Accounts tab
- Select the Documents tab
- Go to the Statement drop-down tab
- Select Tax Documents and download them
2024 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2024, see all additional information here.
How to Access Your Tax Forms
How to Access Your Tax Forms
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Global Investment Committee Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Location
10 West State St
Ste 204
Geneva, IL 60134
US
Direct:
(630) 262-2282(630) 262-2282
2211 York Rd
Ste 100
Oak Brook,, IL 60523
US
Direct:
(630) 203-6153(630) 203-6153
Meet DKT Cornerstone Group
Kristin Kotsakis, CFP®
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(630) 262-2023(630) 262-2023
Timothy Sjostrom
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(630) 262-2285(630) 262-2285
Phone:
(630) 203-6173(630) 203-6173
Shannon Druley
Sr. Registered Client Service Associate
Phone:
(630) 203-6153(630) 203-6153
About Daniel T Younglove
I grew up in a household where hard work, dedication to your job and being true to your word was modeled by my father every day, as he got up at 4:30 am for work and never missed a day. That has instilled in me the dedication I have to work hard in helping people achieve their lifetime goals and dreams.
I realize there are many dynamics to financial planning. Through years of experience, I have learned that knowing a client’s goals and helping to prioritize them is just as important as the strategy that is used to attain them. My greatest moments as an advisor are when I get to share in the excitement of a client achieving financial goals such as: early retirement, watching their children or grandchildren graduate from college or buying a second home. By implementing customized financial plans, it has given me a great feeling of satisfaction to know that I was there to guide our clients over the years.
• Financial Advisor at Morgan Stanley since 1994
• Senior Vice President and Senior Portfolio Manager
• Financial Planning Specialist
• Financial Advisor at Prudential Securities 1992
• B.S Finance, emphasis in Accounting, Northern Illinois University
Dan and his wife Jaclyn have four children: Kaleigh Sue, Cole, Harleigh Ann, and Presleigh Joy. When Dan is not spending his time with family, he also enjoys mountain biking and golfing. Volunteering is also important to Dan and Jaclyn. They both have participated in missionary work in Mexico and have been mentors for underprivileged children.
I realize there are many dynamics to financial planning. Through years of experience, I have learned that knowing a client’s goals and helping to prioritize them is just as important as the strategy that is used to attain them. My greatest moments as an advisor are when I get to share in the excitement of a client achieving financial goals such as: early retirement, watching their children or grandchildren graduate from college or buying a second home. By implementing customized financial plans, it has given me a great feeling of satisfaction to know that I was there to guide our clients over the years.
• Financial Advisor at Morgan Stanley since 1994
• Senior Vice President and Senior Portfolio Manager
• Financial Planning Specialist
• Financial Advisor at Prudential Securities 1992
• B.S Finance, emphasis in Accounting, Northern Illinois University
Dan and his wife Jaclyn have four children: Kaleigh Sue, Cole, Harleigh Ann, and Presleigh Joy. When Dan is not spending his time with family, he also enjoys mountain biking and golfing. Volunteering is also important to Dan and Jaclyn. They both have participated in missionary work in Mexico and have been mentors for underprivileged children.
Securities Agent: SC, HI, WA, VA, PA, MD, FL, MO, CO, NY, KY, NM, GA, CA, TX, NV, CT, MN, KS, IN, AZ, IL, IA, AL, WI, NC, MT, TN, PR, OH, NJ, MS, MA, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1282537
CA Insurance License #: 0E27657
NMLS#: 1282537
CA Insurance License #: 0E27657
About Kristin Kotsakis
Throughout my life I have always found myself looking at a situation and trying to figure out how to make it better, more effective, and efficient. I have organized closets, garages, basements, filing systems, financial records and more. When I was in college I worked at a professional office as a summer job. Halfway through the summer the office manager left, and since I had learned and helped organize their systems quickly, I was asked to step in and be the office manager until they could fill the position. I get energized by helping people and simplifying their lives. I am a problem solver and organizer.
This God given ability has made the work I do for my clients so satisfying that I find the best part of my career and daily activity is helping people get through the complexities of planning for their retirement and their future. By analyzing and implementing investment strategies, I help clients organize and simplify their long-term plans.
My team and I have in-depth conversations to learn about our clients’ lives, family, values, goals, and dreams. We create lasting relationships with our clients and their families, and work with their CPA and attorney, to coordinate and deliver the entire planning process.
• Financial Advisor at Morgan Stanley since 2009
• Senior Vice President and Portfolio Manager
• CERTIFIED FINANCIAL PLANNER ®, College of Financial Planning
• Prior Financial Advisor and Senior Vice President at Northern Trust Securities, Inc.
• B.B.A. International Business and Language Area Studies, St. Norbert College
Kristin, her husband Tom, and daughter Alexis live in St. Charles, IL. Kristin’s interests include fishing, boating, cooking, traveling, and spending time with her family.
This God given ability has made the work I do for my clients so satisfying that I find the best part of my career and daily activity is helping people get through the complexities of planning for their retirement and their future. By analyzing and implementing investment strategies, I help clients organize and simplify their long-term plans.
My team and I have in-depth conversations to learn about our clients’ lives, family, values, goals, and dreams. We create lasting relationships with our clients and their families, and work with their CPA and attorney, to coordinate and deliver the entire planning process.
• Financial Advisor at Morgan Stanley since 2009
• Senior Vice President and Portfolio Manager
• CERTIFIED FINANCIAL PLANNER ®, College of Financial Planning
• Prior Financial Advisor and Senior Vice President at Northern Trust Securities, Inc.
• B.B.A. International Business and Language Area Studies, St. Norbert College
Kristin, her husband Tom, and daughter Alexis live in St. Charles, IL. Kristin’s interests include fishing, boating, cooking, traveling, and spending time with her family.
Securities Agent: VA, MO, NY, NJ, MI, MD, KY, KS, GA, CT, CA, SC, WA, TN, MA, IL, IA, WI, PA, FL, TX, NM, NC, MS, AL, OH, NV, MN, IN, ID, CO, AZ, HI, MT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1290473
AR Insurance License #: 2184594
NMLS#: 1290473
AR Insurance License #: 2184594
About Timothy Sjostrom
Being raised in a family of seven, through tough times, I witnessed the impact of failure due to a lack of wise counsel, lack of planning and the impact they have on a family’s wellbeing. I vowed not to commit the same mistakes that left my family ill prepared for the rainy days of life.
These life experiences and a deep faith in God lead me as I provide a candid approach to financial counsel that our clients expect, through truth and honesty, as we follow the Golden Rule together to: “Do unto others as you would have them do to you.” I serve our clients and do for them what they cannot do for themselves, by uncovering blind spots in their plans and sharing success stories from other client engagements.
Our team engages in financial planning by asking more than just the financial questions of ‘what do you have?’ We get to know what created our client’s relationship with money and what really is important in their life. We begin with the end in mind and work back to what needs to be accomplished today to affect the client’s life plan. Working closely with our client’s other professional advisors; estate planning attorney and CPA, along the way.
• Financial Advisor at Morgan Stanley and predecessors since 2005
• Senior Vice President and Portfolio Manager
• Prior Private Banking and Wealth Management career at J.P. Morgan Wealth Management
• Bachelor of Business Degree, emphasis in Finance, Western Illinois University
Tim and his wife, Luanne, live in St. Charles and have three married children and eight grandchildren. When Tim is not spending time with family or babysitting, he and Luanne enjoy traveling. They both have spent their adult lives coaching, serving in church ministries, and going on and supporting mission trips and organizations.
These life experiences and a deep faith in God lead me as I provide a candid approach to financial counsel that our clients expect, through truth and honesty, as we follow the Golden Rule together to: “Do unto others as you would have them do to you.” I serve our clients and do for them what they cannot do for themselves, by uncovering blind spots in their plans and sharing success stories from other client engagements.
Our team engages in financial planning by asking more than just the financial questions of ‘what do you have?’ We get to know what created our client’s relationship with money and what really is important in their life. We begin with the end in mind and work back to what needs to be accomplished today to affect the client’s life plan. Working closely with our client’s other professional advisors; estate planning attorney and CPA, along the way.
• Financial Advisor at Morgan Stanley and predecessors since 2005
• Senior Vice President and Portfolio Manager
• Prior Private Banking and Wealth Management career at J.P. Morgan Wealth Management
• Bachelor of Business Degree, emphasis in Finance, Western Illinois University
Tim and his wife, Luanne, live in St. Charles and have three married children and eight grandchildren. When Tim is not spending time with family or babysitting, he and Luanne enjoy traveling. They both have spent their adult lives coaching, serving in church ministries, and going on and supporting mission trips and organizations.
Securities Agent: MS, TX, IN, PA, WA, MT, MA, AL, NC, IL, FL, WI, KY, CO, CA, AZ, CT, TN, MI, GA, SC, MD, HI, NY, NV, NM, MN, MO, KS, IA, NJ, VA, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1517458
AR Insurance License #: 2124350
NMLS#: 1517458
AR Insurance License #: 2124350
About Maureen D. Wright
My interest in personal finance was sparked at a young age by my father. Some of my earliest memories are going to the bank to open my very own savings account, playing the “stock market” game with my brothers, and the first time my father opened a Roth IRA in my name for Christmas. Through my father’s guidance and my parents’ dedication to a holistic financial plan, they were able to provide support for me and my brothers during college, and most recently have embarked on their biggest adventure, retirement.
There is no greater blessing in life than having a family to love and support. One of the most stressful dynamics in a family can be their finances. I strive to offer an increased confort level so they can be more present with their family.
I take the time to really connect with my clients by listening to their stories, uncovering their motivators, and zoning in on their values. Having this insight into my client's lives allows me and my team to design and implement a financial plan that supports a lifestyle that excites them.
• Financial Advisor at Morgan Stanley since 2023
• Prior Financial Advisor at Huber Financial Advisors, acquired by Savant Wealth Management in 2020
• CERTIFIED FINANCIAL PLANNER ®, College of Financial Planning
• Graduated Suma Cum Laude with a B.S. Finance at Illinois State
• University Member of the Women's Swimming & Diving Team at Illinois State University
Maureen, her husband Patrick and two daughters live in Barrington, IL. She enjoys spending time with family and friends, working out, volunteering, golfing, and traveling to St. Simon’s Island, Georgia, to see her parents live their best life in retirement. Maureen is an executive board member of the Barrington Junior Women's Club since 2022.
There is no greater blessing in life than having a family to love and support. One of the most stressful dynamics in a family can be their finances. I strive to offer an increased confort level so they can be more present with their family.
I take the time to really connect with my clients by listening to their stories, uncovering their motivators, and zoning in on their values. Having this insight into my client's lives allows me and my team to design and implement a financial plan that supports a lifestyle that excites them.
• Financial Advisor at Morgan Stanley since 2023
• Prior Financial Advisor at Huber Financial Advisors, acquired by Savant Wealth Management in 2020
• CERTIFIED FINANCIAL PLANNER ®, College of Financial Planning
• Graduated Suma Cum Laude with a B.S. Finance at Illinois State
• University Member of the Women's Swimming & Diving Team at Illinois State University
Maureen, her husband Patrick and two daughters live in Barrington, IL. She enjoys spending time with family and friends, working out, volunteering, golfing, and traveling to St. Simon’s Island, Georgia, to see her parents live their best life in retirement. Maureen is an executive board member of the Barrington Junior Women's Club since 2022.
Securities Agent: IN, CO, WI, NC, IA, CA, TX, TN, AZ, AR, SD, HI, PA, OH, KS, WA, VA, MI, IL, GA, AK, CT, UT, MO, MD, FL, AL, SC, NV, MT, MS, MN, KY, NY, NM, NJ, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2540419
NMLS#: 2540419
About Shannon Druley
Family is at the center of everything I do. As the oldest of three siblings, I became the de facto matriarch of my family after the sudden passing of my mother in 2021. My mother instilled in me the importance of family, connection, and celebrating both the big and little things in life. It’s my hope to continue the beautiful legacy she left behind through connection and remembering to celebrate the milestones in life.
The favorite part of my role at Morgan Stanley is creating trusting relationships with clients. I enjoy being able to share in the dreams of clients and am honored to be part of the team that supports those dreams coming true. I love interacting with clients on a day-to-day basis and value the trust they place in me when guiding them through an account transaction. Often, we are the first call when a big life event happens. I have the honor of working with clients who are excited to give a gift to a son or daughter, help a grandchild pay for college or finally book the vacation of their dreams. It’s fulfilling to see our clients achieve their goals.
• Registered Client Service Associate at Morgan Stanley and its predecessors since 2005
• Series 7 – General Securities Representative
• Series 66 – Uniformed Combined State Law
• B.A. Communication and Media Studies, St. Norbert College
Shannon and her husband, Kevin, reside in Winfield, IL.. She enjoys spending time with her family (especially her five nieces and nephews) and, yoga, baking, traveling, and playing pickleball with her husband’s nephews and friends. Shannon has coached basketball at the Elementary through High School level over the past 15 years.
The favorite part of my role at Morgan Stanley is creating trusting relationships with clients. I enjoy being able to share in the dreams of clients and am honored to be part of the team that supports those dreams coming true. I love interacting with clients on a day-to-day basis and value the trust they place in me when guiding them through an account transaction. Often, we are the first call when a big life event happens. I have the honor of working with clients who are excited to give a gift to a son or daughter, help a grandchild pay for college or finally book the vacation of their dreams. It’s fulfilling to see our clients achieve their goals.
• Registered Client Service Associate at Morgan Stanley and its predecessors since 2005
• Series 7 – General Securities Representative
• Series 66 – Uniformed Combined State Law
• B.A. Communication and Media Studies, St. Norbert College
Shannon and her husband, Kevin, reside in Winfield, IL.. She enjoys spending time with her family (especially her five nieces and nephews) and, yoga, baking, traveling, and playing pickleball with her husband’s nephews and friends. Shannon has coached basketball at the Elementary through High School level over the past 15 years.
Contact Daniel T Younglove
Contact Kristin Kotsakis
Contact Timothy Sjostrom
Contact Maureen D. Wright
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
Ready to start a conversation? Contact DKT Cornerstone Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
