Johan Eriksson, CFP®
Managing Director, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(651) 215-8424(651) 215-8424
The Myers Eriksson Group at Morgan Stanley
Direct:
(651) 215-8400(651) 215-8400
Toll-Free:
(800) 326-9121(800) 326-9121
Our Mission Statement
To help our clients achieve and maintain financial independence through professional advice, sound risk management, disciplined investment strategies, and personal service.
What to Expect
The Myers Eriksson Group is a Minnesota based Wealth Management Practice. We serve a select number of individuals, families and businesses in the upper midwest and around the country from coast to coast. Our team is committed to providing the highest level of service and strategies for our clients with a qualifying net worth.
Initially, we meet with our clients to discuss their investment experience, current portfolio and financial goals. We bring combined investment experience of over thirty years. We have seen and experienced multiple market environments and have targeted strategies that can help maximize performance, generate tax efficiencies and manage risk.
We understand that goals differ based on each individual life situation and is why our clients are at the center of every decision we make. After our initial meetings and analysis, our team, with the support of Morgan Stanley’s extensive resources and dedicated research department, prepare a custom investment plan that is tailored specifically for you. We use a comprehensive approach that incorporates education, knowledge and transparency to help bolster your financial confidence and security.
We have a long history with multi generational families, business owners, entrepreneurs, professionals, and corporate executives. We will initiate a financial plan and schedule touch points to stay connected with you along the process. We will review your strategy and financial plan on an ongoing basis. We stand ready to propose modifications as appropriate based on your goals, life changes and market conditions over time.
Initially, we meet with our clients to discuss their investment experience, current portfolio and financial goals. We bring combined investment experience of over thirty years. We have seen and experienced multiple market environments and have targeted strategies that can help maximize performance, generate tax efficiencies and manage risk.
We understand that goals differ based on each individual life situation and is why our clients are at the center of every decision we make. After our initial meetings and analysis, our team, with the support of Morgan Stanley’s extensive resources and dedicated research department, prepare a custom investment plan that is tailored specifically for you. We use a comprehensive approach that incorporates education, knowledge and transparency to help bolster your financial confidence and security.
We have a long history with multi generational families, business owners, entrepreneurs, professionals, and corporate executives. We will initiate a financial plan and schedule touch points to stay connected with you along the process. We will review your strategy and financial plan on an ongoing basis. We stand ready to propose modifications as appropriate based on your goals, life changes and market conditions over time.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Myers Eriksson Process
We will work with you using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations.
Your Goals, Our Process
Our Client Base:
- Corporate Executives and Business Owners
- Employees with Equity Compensation/Stock Options
- Next Generation with Family Wealth
- Young Professionals
- Newly Retired
1. Discover Your Goals
Every client relationship begins with a conversation. We take the time to understand what's important to you, learn about your family and financial priorities, and discuss the goals you'd like your wealth to help accomplish.
2. Understand Your Financial Picture
Next, we'll help you gather and review the key pieces of your financial picture. This may include investments, retirement accounts, insurance policies, estate documents, cash flow, and other assets. This helps you have a comprehensive view of where you stand today.
3. Design a Plan
Once we understand your goals and current situation, we develop recommendations tailored to your needs. We evaluate opportunities around retirement planning, investment management, wealth transfer, risk management, tax efficiency, and other areas relevant to your situation.
4. Implement Our Strategies
Once your strategy is finalized, we put the plan into action. This may include opening accounts, transferring assets, coordinating with other professionals like attorneys or CPAs, and establishing the tools needed to support your ongoing financial plan.
5. Monitor Your Situation
We'll connect regularly about your accounts and plan. We track progress, review performance, and help see that your strategy remains aligned with your objectives.
6. Review and Evolve
As your life changes, your financial plan should too. Through ongoing reviews, we adjust strategies, address new opportunities, and help you stay focused on achieving your long-term goals.
Entrepreneurs & Executives
Business Financing & Planning
You have meaningful goals. Our Financial Advisors can help you reach them. For years, we have worked with individuals, families, businesses and institutions—to deliver services and solutions that help build, preserve and manage wealth.
Equity Solutions
Equity is more than shares. It’s a commitment to your employees.
That’s why we design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, we help you effectively administer equity while managing risk and compliance on a global scale.
That’s why we design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, we help you effectively administer equity while managing risk and compliance on a global scale.
Pre-Liquidity Planning
Liquidity events such as an initial public offering or a
merger or acquisition may provide income and estate
planning opportunities. Liquidity events also magnify the
need to put in place or update certain essential estate
planning documents.
merger or acquisition may provide income and estate
planning opportunities. Liquidity events also magnify the
need to put in place or update certain essential estate
planning documents.
Retirement Solutions
For your employees, retirement is more than a date in the future – it’s a milestone that takes time, hard work and the right tools to achieve. Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals.
Choosing a Business Structure
The Myers Eriksson Group can help you make well-informed personal wealth management decisions at every stage of your company's development.
Corporate Executives
As a senior executive, you have significant responsibilities to your customers, colleague, board of directors, shareholders and members of the communities in which you do business. Our group offers a unique combination of experience, expertise and insight to address your financial needs and family goals.
Business Succession
We will help you make well-informed personal wealth management decisions at every stage of your company's development. Our goal is to provide you with the information, insight and resources needed to help you reach your personal and professional goals.
Employee Stock & Stock Options
Executives today are increasingly compensated with stock or stock options. However, exercising stock options presents a number of difficult—and sometimes divergent—choices. Accordingly, it is critical that an executive understand the risk of investing financial assets and the potential reward of preferential income tax treatment.
Client Events and Resources
Financial confidence starts with a solid foundation of knowledge. We believe keeping our clients informed is an important responsibility of our practice. Below, you will find upcoming events, both in person and online, that may be relevant to your financial goals and circumstances. If you would like to discuss any of these opportunities, please contact our team.
Wealth Education for the Next Generation: Cybersecurity and Digital Wealth Protection
In the age of AI, cybersecurity has never been more important. This conversation focuses on how to keep your finances and family safe online. Learn about the safeguards you can implement today to have a brighter tomorrow.
Monday, October 5, 2026 | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Philanthropy for the Next Generation
As the year draws to a close, now is the time to consider how philanthropy can fit into your existing financial picture. Whether you have a specific charity in mind or not, philanthropy can be a vital part of your portfolio.
Monday, November 2, 2026 | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Robots, Artificial Intelligence and the Future of Investing & Finance
The future of investing is moving quickly. This conversation focuses on how the emerging robotics and AI industries may impact your portfolio. Learn how these industries operate and if you want to leverage them.
Monday, December 7, 2026 | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Access 2026 Replays
View the videos from our previous sessions in 2026.
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2026 Tax Tables
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Understanding Traditional and Roth IRAs - 2026
Click the link below to learn more about both Traditional and Roth IRAs for 2026.
Location
380 Saint Peter St
Ste 1000
St. Paul, MN 55102
US
Direct:
(651) 215-8400(651) 215-8400
Toll-Free:
(800) 326-9121(800) 326-9121
Meet The Myers Eriksson Group
Phone:
(651) 215-8455(651) 215-8455
Donna M B Herem
Portfolio Associate
Phone:
(651) 215-8419(651) 215-8419
About Johan Eriksson
A native of Sweden, Johan has been in the U. S. since 2001, and has been working in finance for over two decades. He began with US Bank in the lending area, then worked in Stockholm, Sweden for a financial advisory firm. Johan joined Morgan Stanley in 2007.
At Morgan Stanley, Johan focuses on bringing the company’s array of wealth management services to our clients. Johan is passionate about the capital markets and follows both domestic and international markets on a daily basis.
Johan holds a B.A. in Economics from Gustavus Adolphus College and is also a Certified Financial Planner. Johan lives in Saint Paul and enjoys art, traveling, and is enthusiastic about automotive racing.
Johan is very active in the Swedish community, and is involved in several non-profit organizations in the Twin Cities.
At Morgan Stanley, Johan focuses on bringing the company’s array of wealth management services to our clients. Johan is passionate about the capital markets and follows both domestic and international markets on a daily basis.
Johan holds a B.A. in Economics from Gustavus Adolphus College and is also a Certified Financial Planner. Johan lives in Saint Paul and enjoys art, traveling, and is enthusiastic about automotive racing.
Johan is very active in the Swedish community, and is involved in several non-profit organizations in the Twin Cities.
Securities Agent: NC, DC, VT, NM, ND, AK, MI, AL, WV, IL, ID, CA, MN, CT, AZ, WA, VA, OH, NV, ME, CO, TX, SC, RI, OR, MT, IN, FL, MO, WI, OK, KS, NJ, MA, KY, UT, SD, PA, HI, GA, TN, NY, NH, NE, MD, LA, IA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1682636
NMLS#: 1682636
About Karen Myers
Karen Myers is a Senior Vice President in Morgan Stanley’s St. Paul, Minnesota office since 1997. She holds the CERTIFIED FINANCIAL PLANNER™ designation as well as Family Wealth Advisor and Senior Portfolio Manager titles at Morgan Stanley. She is a passionate student of the investment world and is committed to the success of her clients.
She is currently a member of the Woman’s Club of Minneapolis and is a former Board member as well as Treasurer of the organization. She is a former governor of the Twin City Bond Club.
She resides in Minnetonka with her husband, Richard. In her spare time, she enjoys reading, following the WNBA Lynx and exploring the various walking/biking trails in her neighborhood.
She is currently a member of the Woman’s Club of Minneapolis and is a former Board member as well as Treasurer of the organization. She is a former governor of the Twin City Bond Club.
She resides in Minnetonka with her husband, Richard. In her spare time, she enjoys reading, following the WNBA Lynx and exploring the various walking/biking trails in her neighborhood.
Securities Agent: KS, AZ, HI, NY, NV, AK, VT, NJ, CT, AL, MN, GA, FL, PA, OR, NH, ND, MT, ME, WI, WA, MI, MA, KY, DC, CO, NE, NC, MO, CA, SC, LA, IN, IA, WV, TX, SD, IL, ID, VA, UT, TN, RI, OK, OH, NM, MD, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1285371
NMLS#: 1285371
About Donna M B Herem
A native of St Paul, Donna has been with Morgan Stanley since 1988. Donna has extensive administrative experience, pays great attention to detail and enjoys engaging with clients.
She resides in Beldenville, Wisconsin with her husband, Scott, and two children. She also has a step-son who lives in Minneapolis. In her spare time she enjoys being involved in her children's many activities. Both Scott and Donna have a long-term interest in automotive racing.
She resides in Beldenville, Wisconsin with her husband, Scott, and two children. She also has a step-son who lives in Minneapolis. In her spare time she enjoys being involved in her children's many activities. Both Scott and Donna have a long-term interest in automotive racing.
Contact Johan Eriksson
Contact Karen Myers
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Heaven Robinson
Heaven Robinson is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Heaven provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from California State University, Los Angles and received the Financial Planning Specialist® designation from the College for Financial Planning. Heaven is originally from the San Francisco Bay Area and currently resides in Alpharetta, GA.
She earned her undergraduate degree from California State University, Los Angles and received the Financial Planning Specialist® designation from the College for Financial Planning. Heaven is originally from the San Francisco Bay Area and currently resides in Alpharetta, GA.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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Portfolio Insights
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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
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- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Myers Eriksson 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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 (“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.
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 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.
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.
8Morgan 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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 (“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.
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 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.
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.
8Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
