Executive Director, Wealth Management, Financial Advisor, Financial Planning Specialist, Senior Portfolio Management Director
Foothills Group at Morgan Stanley
Our Mission Statement
While you're taking care of your company's future, we're helping take care of yours.
Our Story and Services
We provide comprehensive financial planning. We aim to be leading financial advisors, serving our community from the Morgan Stanley Boulder, CO office. Our focus is to deliver the highest level experience possible by leveraging our intellectual capital, resources, and obsession for service.
We serve individuals, companies, and foundations to best navigate through their financial opportunities. Our approach starts with comprehensive financial planning. We invest the time to thoroughly understand your needs and goals. We utilize our experience in the areas of investment management, tax and estate planning strategies, lending solutions, corporate retirement, and risk mitigation to proactively bring you solutions that can help balance your financial and emotional motivations. We additionally serve as an institutional consultant for broader business planning needs.
Clients can expect a team approach with a focus on professionalism, privacy, and proactivity. We provide objective advice and will openly discuss the hard things in order to maximize growth and manage risk. We act with honesty and integrity. We do what we say. We say what we mean. And, we always put our client’s interests first.
2022 - 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
We serve individuals, companies, and foundations to best navigate through their financial opportunities. Our approach starts with comprehensive financial planning. We invest the time to thoroughly understand your needs and goals. We utilize our experience in the areas of investment management, tax and estate planning strategies, lending solutions, corporate retirement, and risk mitigation to proactively bring you solutions that can help balance your financial and emotional motivations. We additionally serve as an institutional consultant for broader business planning needs.
Clients can expect a team approach with a focus on professionalism, privacy, and proactivity. We provide objective advice and will openly discuss the hard things in order to maximize growth and manage risk. We act with honesty and integrity. We do what we say. We say what we mean. And, we always put our client’s interests first.
2022 - 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
MS at Work Learning Center
Morgan Stanley at Work delivers workplace financial solutions that can help your employees build financial confidence and help you attract and retain top talent.
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Let Your Equity Compensation Help You Reach Financial Goals
Your equity compensation can play an important role as you build your personalized financial roadmap and work toward your objectives.
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Four Considerations When Diversifying Your Portfolio
Equity compensation can be a powerful tool for building wealth, but be careful not to put all your eggs in one basket.
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4 Tax Management Strategies To Consider for Your Equity Compensation
Using an effective tax management strategy for your equity compensation can not only reduce your tax liabilities but can also enhance your after-tax returns. Here’s a look at four strategies you may want to consider.
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What is Restricted Stock?
Restricted stock is an award of company stock, subject to conditions (such as continued service to the company or attainment of performance goals) that must be met before you have the right to sell or transfer the stock. Restricted Stock Units (RSUs) are equivalent to shares, but are converted to stock upon vesting.
Read MoreFinancial Planning Process
Service, Simplicity, Progress
A strategic financial planning process is fundamental to achieving your financial goals. The process gives us complete understanding of your financial situation including assets, liabilities and objectives. Whether you are planning for retirement, charitable giving or your lasting legacies, a comprehensive long-term financial plan provides a structure to help you achieve those goals. The entire process typically takes 3-4 weeks from the time you complete your initial questionnaire.
A strategic financial planning process is fundamental to achieving your financial goals. The process gives us complete understanding of your financial situation including assets, liabilities and objectives. Whether you are planning for retirement, charitable giving or your lasting legacies, a comprehensive long-term financial plan provides a structure to help you achieve those goals. The entire process typically takes 3-4 weeks from the time you complete your initial questionnaire.
Foothills Group at Morgan Stanley works with clients who are committed to meeting their personal financial goals. We serve a limited roster of clients in order to focus completely on your interests. Your goals become our goals, and we dedicate the talents and skills of our entire team toward helping you.
Working with us, you can expect we will:
1. Develop a detailed financial strategy based on your goals
2. Set up a long-term, balanced wealth plan
3. Take the emotion out of money moves to help you make smart decisions
4. Be flexible. Life and markets are fluid and we'll adapt your strategy proactively.
Click Here To Start Your Financial Planning QuestionnaireWorking with us, you can expect we will:
1. Develop a detailed financial strategy based on your goals
2. Set up a long-term, balanced wealth plan
3. Take the emotion out of money moves to help you make smart decisions
4. Be flexible. Life and markets are fluid and we'll adapt your strategy proactively.
Modern Wealth Tools
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include mobile check deposit, paying your bills online, sending money through Zelle®, and accessing current market data, research, company profiles and quotes.
Morgan Stanley Online
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Cyber Security Resources
Total Wealth View
It’s hard to see the complete picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your financial advisor a full picture of your financial wealth and health. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth View
Morgan Stanley Mobile App
Securely access your Morgan Stanley account–from virtually anywhere.
Morgan Stanley Mobile App
Digital Vault
Digital Vault, available on Morgan Stanley Online and the Mobile App, allows you to build a centralized document library where files are stored using encryption.
Digital Vault
Forbes BEST-IN-STATE WEALTH MANAGEMENT TEAMS for 2022-2025
2022 - 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Press ReleaseSource: Forbes.com (Awarded 2022 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2020 - 2024 Forbes Best-in-State Wealth Advisors (Todd Hatfield)
2020 - 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com Awarded, 2020, 2021, 2022, 2023. 2024. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com Awarded, 2020, 2021, 2022, 2023. 2024. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
CFP® - Certified Financial Planner™
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated extensive knowledge in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning strategies. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Pacesetter's Club at Morgan Stanley Wealth Management
Lindsey Boyd - Named to Pacesetter's Club at Morgan Stanley Wealth Management (2023-2025)
Dylan Cleary - Named to Pacesetter's Club at Morgan Stanley Wealth Management (2025)
This accolade recognizes consistent excellence in providing a wide range of investment products and wealth management services to clients. In addition to demonstrating leadership through best practices of wealth management, Morgan Stanley's recognition programs acknowledge the highest professional standards and first class client service.
Dylan Cleary - Named to Pacesetter's Club at Morgan Stanley Wealth Management (2025)
This accolade recognizes consistent excellence in providing a wide range of investment products and wealth management services to clients. In addition to demonstrating leadership through best practices of wealth management, Morgan Stanley's recognition programs acknowledge the highest professional standards and first class client service.
Workplace Advisor - Equity Compensation
Workplace Advisors are financial advisors who receive rigorous training and education on company specific plans to service their clients’ needs. These designated advisors can help you determine how your equity compensation fits into your overall goals and financial strategy.
Financial Planning Specialist
Providing dedicated advice on financial planning, conducting a comprehensive analysis of a client's financial situation and work towards developing and implementing a plan that fits their goals.
Location
1800 Broadway
Ste 120
Boulder, CO 80302
US
Direct:
(303) 545-1801(303) 545-1801
Meet Foothills Group
Phone:
(303) 595-2160(303) 595-2160
Steven J. Maroon
Client Service Associate
Phone:
(720) 391-0188(720) 391-0188
Jennifer Feeney
Portfolio Associate
Phone:
(303) 545-1806(303) 545-1806
Melissa A. Hatfield
Client Service Associate
Phone:
(303) 545-1803(303) 545-1803
About Todd Hatfield
Since 1999, Todd Hatfield has distinguished himself by providing highly tailored advice, tax-efficient investment management solutions, multi-generation wealth planning and concierge-level service to high-net-worth individuals and families. As an Executive Director, Wealth Management and Senior Portfolio Management Director, Todd is a lead member of the Foothills Group at Morgan Stanley. His team works primarily with corporate executives and their families and is adept at addressing the unique challenges arising from concentrated wealth.
Recognized repeatedly as a Forbes' Best-In-State Wealth Advisor, Todd possesses deep expertise in managing concentrated stock positions, strategies for hedging and monetization, as well as estate and retirement planning. His approach involves engaging clients in a comprehensive wealth management process, creating a constructive framework for the integration of financial planning, corporate benefits, and investment advice while transitioning from career to retirement.
Originally from Champaign, IL, Todd moved to Chicago in 1996 after earning his Economics degree from Denison University. In 2019, he relocated to Boulder, Colorado with his wife, Melissa, and their daughter, Simone. Outside of work, Todd is passionate about the outdoors - enjoying hiking, fly fishing, and skiing -and spends his leisure time playing and studying music on his bass guitar.
Recognition & Awards:
Executive Director, Wealth Management at Morgan Stanley
Financial Advisor at Morgan Stanley
Financial Planning Specialist at Morgan Stanley
Senior Portfolio Management Director at Morgan Stanley
Master’s Club at Morgan Stanley
2020 - 2025 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2020 – 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Recognized repeatedly as a Forbes' Best-In-State Wealth Advisor, Todd possesses deep expertise in managing concentrated stock positions, strategies for hedging and monetization, as well as estate and retirement planning. His approach involves engaging clients in a comprehensive wealth management process, creating a constructive framework for the integration of financial planning, corporate benefits, and investment advice while transitioning from career to retirement.
Originally from Champaign, IL, Todd moved to Chicago in 1996 after earning his Economics degree from Denison University. In 2019, he relocated to Boulder, Colorado with his wife, Melissa, and their daughter, Simone. Outside of work, Todd is passionate about the outdoors - enjoying hiking, fly fishing, and skiing -and spends his leisure time playing and studying music on his bass guitar.
Recognition & Awards:
Executive Director, Wealth Management at Morgan Stanley
Financial Advisor at Morgan Stanley
Financial Planning Specialist at Morgan Stanley
Senior Portfolio Management Director at Morgan Stanley
Master’s Club at Morgan Stanley
2020 - 2025 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2020 – 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: TX, UT, VA, VT, WA, WI, WV, WY, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, GA, FL, DC, CT, CO, CA, AZ, AR, AL, NM, NC, NE, NH, NJ, MT, NV, NY, OH, OK, OR, PA, SC, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293932
NMLS#: 1293932
About Lindsey Boyd
Lindsey is a Certified Retirement Planning Counselor (CRPC) and Financial Advisor. As a member of the Foothills Group, Lindsey and the team take a holistic view at wealth building and benefits and help align those with client’s future lifestyle goals. She develops plans for clients that go far beyond investment management to encompass estate planning strategies, tax-efficient investment management, Social Security benefits, and income streams. As her clients transition from the Workplace to Retirement, she strives to make sure they understand the interconnectedness of all of these decisions to potentially achieve financial independence.
There are challenges you face being employed at a publicly traded company. Lindsey can help navigate through various legal, tax, and estate planning concepts. She understands the risks of consolidated positions and the potential tax liability a client may face when selling employer stock or exercising options. Her client’s rely on her for sound guidance that encompasses not only their compensation, but virtually all of their financial concerns.
Lindsey earned an MBA from the University of Nebraska Omaha where she also served as an assistant coach for the softball team. Prior to that, she earned her Business degree at the University of South Dakota while being a 4 year starter on the softball team. She is involved with Alzheimer’s Association and coordinates events throughout the year. In her free time, she enjoys the mountains, paddle boarding, traveling, and spending time with her friends, family, and Great Dane named Pearl.
There are challenges you face being employed at a publicly traded company. Lindsey can help navigate through various legal, tax, and estate planning concepts. She understands the risks of consolidated positions and the potential tax liability a client may face when selling employer stock or exercising options. Her client’s rely on her for sound guidance that encompasses not only their compensation, but virtually all of their financial concerns.
Lindsey earned an MBA from the University of Nebraska Omaha where she also served as an assistant coach for the softball team. Prior to that, she earned her Business degree at the University of South Dakota while being a 4 year starter on the softball team. She is involved with Alzheimer’s Association and coordinates events throughout the year. In her free time, she enjoys the mountains, paddle boarding, traveling, and spending time with her friends, family, and Great Dane named Pearl.
Securities Agent: OR, MS, TX, SC, WV, OH, IN, AZ, KY, PA, CT, SD, TN, UT, KS, WA, WI, PR, MN, MI, MT, NC, ME, NE, NH, ND, NM, WY, IL, VT, ID, VI, VA, GA, AR, RI, AL, CO, HI, OK, FL, NY, NV, NJ, DC, MO, MD, MA, LA, IA, DE, CA, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1768493
NMLS#: 1768493
About Dylan Cleary
Dylan Cleary and the Foothills Group help clients develop and define specific lifestyle goals and objectives. Coupled with Morgan Stanley’s technology, Dylan will analyze those goals to help create a customized strategy to achieve financial freedom in retirement. He engages clients in a comprehensive wealth management process, creating a constructive framework for the integration of financial planning, corporate benefits, and investment advice. Dylan holds a CERTIFIED FINANCIAL PLANNER™ designation and graduated from the University of Denver. In his free time, Dylan loves to travel and maintains an active lifestyle skiing, biking and doing CrossFit.
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
*Disclaimer: This role can not solicit or provide investment advice.
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
*Disclaimer: This role can not solicit or provide investment advice.
Securities Agent: NV, DC, MI, CA, NJ, IA, WY, TN, NY, NM, WI, TX, OR, OH, NC, MO, IN, OK, NH, MT, KY, KS, AL, PA, NE, FL, AZ, WA, VT, MD, UT, SC, LA, VA, IL, GA, CO, MN, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2502058
NMLS#: 2502058
About Steven J. Maroon
As the team’s Client Service Associate, Steve focuses on marketing and community relations and is often the first line of contact on administrative and operational activities. Originally from Madison, SD, Steve graduated from St. Olaf College in Northfield MN with a B.A. /economics major in 1988.
Steve began his career in financial services with Dain Bosworth in Denver in 1988 as an Investment Consultant. In 1991 he moved over to Charles Schwab & Co. in Denver as a Senior Registered Representative (1991-1997), then transferred to New York City where he served as Operations Manager of the Schwab Penn Station office and Schwab Forest Hills acting manager (1997-2006), and with Schwab Institutional Alliance back in Denver until 2022. Steve joined our team in Boulder in June of 2023. He has worked in the financial services industry for over 30 years and brings a great deal of experience and value to our team.
Outside of work Steve enjoys traveling to archeological locations designated by UNESCO as World Heritage Sites and interacting with the local populations.
He also enjoys closely following geopolitical events and studying the socio-economic repercussions.
Steve is happy to be a part of our team, and excited to be involved with helping all of us take care of your financial future.
Steve began his career in financial services with Dain Bosworth in Denver in 1988 as an Investment Consultant. In 1991 he moved over to Charles Schwab & Co. in Denver as a Senior Registered Representative (1991-1997), then transferred to New York City where he served as Operations Manager of the Schwab Penn Station office and Schwab Forest Hills acting manager (1997-2006), and with Schwab Institutional Alliance back in Denver until 2022. Steve joined our team in Boulder in June of 2023. He has worked in the financial services industry for over 30 years and brings a great deal of experience and value to our team.
Outside of work Steve enjoys traveling to archeological locations designated by UNESCO as World Heritage Sites and interacting with the local populations.
He also enjoys closely following geopolitical events and studying the socio-economic repercussions.
Steve is happy to be a part of our team, and excited to be involved with helping all of us take care of your financial future.
About Jennifer Feeney
With more than 20 years of experience in the financial services industry, Jennifer serves the comprehensive needs of clients by executing outstanding administrative support. She began her financial services career in 1996 and joined the Morgan Stanley family in 2013.
Jennifer operates the systems and processes that enable the Legacy Wealth Management team to provide timely and efficient operational support.
Jennifer operates the systems and processes that enable the Legacy Wealth Management team to provide timely and efficient operational support.
About Melissa A. Hatfield
Melissa joined the Foothills Group at Morgan Stanley in 2025, bringing with her over 25 years of professional experience in executive recruiting across private equity, venture capital-backed, and Fortune 500 companies.
Before her tenure at Morgan Stanley, Melissa served as a Managing Partner with Randall Partners, a Private Equity focused Executive Search firm. Previous to roles in Executive Search, Melissa was a Managing Director at JPMorgan where she led recruitment teams and strategies for J.P. Morgan Private Bank and the Commercial Bank for more than a decade.
A proud Illinois native and long-time Chicago resident, Melissa graduated with High Distinction from the University of Illinois at Urbana-Champaign. Currently, Melissa resides in Boulder, CO, with her husband Todd and their daughter Simone. Melissa is an Advisory Board member of the Ted Rhodes Foundation.
Before her tenure at Morgan Stanley, Melissa served as a Managing Partner with Randall Partners, a Private Equity focused Executive Search firm. Previous to roles in Executive Search, Melissa was a Managing Director at JPMorgan where she led recruitment teams and strategies for J.P. Morgan Private Bank and the Commercial Bank for more than a decade.
A proud Illinois native and long-time Chicago resident, Melissa graduated with High Distinction from the University of Illinois at Urbana-Champaign. Currently, Melissa resides in Boulder, CO, with her husband Todd and their daughter Simone. Melissa is an Advisory Board member of the Ted Rhodes Foundation.
Contact Todd Hatfield
Contact Lindsey Boyd
Contact Dylan Cleary
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
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
James R Fucigna
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director, Executive Financial Services Director, Family Wealth Director, Financial Wellness Director
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
James J Detterick, CRPS®
Managing Director, Corporate Client Group Director, Institutional Consulting Director, Stock Plan Director
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From Our Team
Financial Planning Questionnaire
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Foothills 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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
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.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
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.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
