Phone:
(952) 475-4117(952) 475-4117
Frantz Guzman Wealth Management at Morgan Stanley
Direct:
(952) 475-4117(952) 475-4117
Our Mission Statement
Our mission is to deliver tailored strategies that meet your unique needs, with a commitment to becoming your trusted source of advice. We focus on building lasting relationships by providing exceptional service and consistent value over the long term.
Our Story and Services
At Frantz Guzman Wealth Management, we specialize in serving ultra-high and high-net-worth individuals and families with personalized financial guidance. Our expertise includes tax-optimized portfolio management, retirement income planning, estate and legacy planning, and philanthropic strategies. By combining the vast resources of our firm with the personalized attention of a boutique practice, we deliver a holistic and tailored client experience. We’re proud to collaborate closely with our clients’ trust and estate planning attorneys and CPAs, forming a cohesive professional team to support multi-generational wealth planning and implementation of wealth transfer strategies.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
INSIGHTS AND ANALYSIS
At Morgan Stanley, we aim to make complex financial topics more accessible so our clients can stay informed and confident in their decision-making. We're committed to providing timely research, expert insights, and relevant updates to help you navigate changing markets and plan for the future. Below, you'll find trusted resources offering in-depth analysis on market trends, economic outlooks, and topics shaping the financial and business landscape.
GIC Weekly Report
Each week, Lisa Shalett and the Global Investment Committee share insights on market performance, asset classes, and fixed income trends.
GIC Monthly
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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.
Cybersecurity
Morgan Stanley enhances cybersecurity through real-time alerts and notification, keeping clients informed of any suspicious activity. Continuous monitoring helps detect threats before they become risks, while advanced digital tools work in the background to protect data and ensure safe, secure transactions.
MANAGING FAMILY & GENERATIONAL WEALTH
Managing significant family and generational wealth is complex and often raises difficult questions. See the resources below for more information about managing and preserving significant family wealth.
Family Governance and Wealth Education Fact Sheet
Our mission is to help clients maximize the value of their family capital through the transfer and preservation of the family's shared values, and the creation of an enduring family legacy.
Opening Pandora's Box: 10 Rules for Talking to Kids About Money
Discussing family wealth and financial matters with children can be daunting for families. Read the linked article from Glenn Kurlander, Head of Family Governance & Wealth Education at Morgan Stanley, for more information about navigating this delicate subject.
Wealth Education Development Plan
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Your Guide to Life and Money Playbook
Our goal is to help prepare the next generation of leaders, parents, philanthropists, innovators, trustees, executors, board members, and investors by empowering you with the knowledge and tools needed to achieve your goals.
Estate Planning Strategies
Tax, Trust & Estate (TTE) strategy has the potential to be incredibly powerful if executed effectively. For a successful TTE plan, it is critical to create a TTE implementation in combination with a TTE strategy.
Importance of a Holistic Approach to Your Wealth Video
Watch the below video from Morgan Stanley Family Office Resources to learn how Morgan Stanley FOR can help integrate family values, philanthropy, and legacy into your unique wealth plan.
A Roadmap to Your Financial Future
Our clients have different needs at different life stages: some may be focused on accumulating wealth and planning for life events such as marriage, buying a house, saving for both their kids' college education and their future retirement. Other clients may be in retirement and focus on creating cash flow, passing on wealth to the next generation, or creating a philanthropic gifting strategy. Most clients are interested in minimizing taxes along the way.
Having a solid roadmap that is adjusted and updated regularly is the foundation for financial success. Our highly-personalized approach to financial planning begins with gaining a thorough knowledge of your values as well as your vision for the future. Our entire team enjoys getting to know our clients and their families. We ask thought-provoking questions and enjoy crafting out-of-the-box solutions to help our clients. Starting with building a net worth statement, understanding your cash flow needs, goals and objectives, we will then work on building a customized wealth management plan that is thoughtfully created to navigate today's sophisticated markets and tomorrow's uncertainties. Over time, we'll adjust your plan accordingly to accommodate any changing conditions and meet any special demands that may evolve.
Immediate Financial Planning
• Can I afford to buy a vacation home?
• Can you help me understand and manage my equity-based compensation (stock options, RSUs)?
• Should I sell assets or borrow from my portfolio to pay for my home remodel?
• What is the best way to help my children buy their first home?
• What is the right balance of taxable, tax deferred, and real estate investments?
• What is the right amount of cash to hold in my portfolio?
Life Planning
• If I take a year off to travel, how will it affect my longer term planning goals?
• What are the challenges of having significant wealth?
• When should I be creating or updating a trust?
• Am I on track for an early retirement?
• When should begin to educate my family on finances?
• How do I bring up the topic of beginning to help my aging parents with their day-to-day cash flow and portfolio decisions?
2026 Tax Tables
This essential resource provides a detailed overview of the 2026 tax rate schedule, outlining limits for education and health savings accounts, retirement contributions, deductions and more. With tax season approaching, staying well informed is essential.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Location
445 E Lake Street, Suite 320
Wayzata, MN 55391
US
Direct:
(952) 475-4117(952) 475-4117
Meet Frantz Guzman Wealth Management
Phone:
(952) 475-4116(952) 475-4116
Jordyn Anderson
Registered Client Relationship Analyst
Phone:
(952) 475-4118(952) 475-4118
Sam Donovan
Client Relationship Analyst
Phone:
(952) 475-4119(952) 475-4119
About Me
Erica is a Senior Vice President and Financial Advisor with Morgan Stanley and a key member of the Frantz Guzman Group. With over 16 years of industry experience, Erica is passionate about helping ultra-high-net-worth individuals and families gain peace of mind and financial confidence through a highly personalized, yet disciplined approach to investing and financial planning.
She takes a holistic view of wealth management, drawing on the vast resources of Morgan Stanley to deliver deeply customized strategies. Erica builds close relationships with her clients to understand what matters most, providing thoughtful guidance across all aspects of their financial lives.
Erica holds the Certified Private Wealth Advisor® (CPWA®) designation, equipping her to address the complexities of estate planning, tax efficiency, and sophisticated wealth strategies. She also maintains her Series 7 and Series 66 licenses, along with Health and Life Insurance licenses.
Throughout her career, Erica has worked at leading firms including UBS, RBC, Merrill Lynch, and Wells Fargo. She earned her degree in Business Administration from the University of Richmond, where she was an NCAA Division I swimmer.
Erica lives in Edina with her husband, Collin, their sons Jack and Connor, and daughter Grace. She supports M Health Fairview Masonic Children’s Hospital and is active on the Fashion Fest committee. A proud member of Team Women, she enjoys spending time with family, traveling, or taking a barre class when she’s not in the office.
She takes a holistic view of wealth management, drawing on the vast resources of Morgan Stanley to deliver deeply customized strategies. Erica builds close relationships with her clients to understand what matters most, providing thoughtful guidance across all aspects of their financial lives.
Erica holds the Certified Private Wealth Advisor® (CPWA®) designation, equipping her to address the complexities of estate planning, tax efficiency, and sophisticated wealth strategies. She also maintains her Series 7 and Series 66 licenses, along with Health and Life Insurance licenses.
Throughout her career, Erica has worked at leading firms including UBS, RBC, Merrill Lynch, and Wells Fargo. She earned her degree in Business Administration from the University of Richmond, where she was an NCAA Division I swimmer.
Erica lives in Edina with her husband, Collin, their sons Jack and Connor, and daughter Grace. She supports M Health Fairview Masonic Children’s Hospital and is active on the Fashion Fest committee. A proud member of Team Women, she enjoys spending time with family, traveling, or taking a barre class when she’s not in the office.
Securities Agent: GA, TN, NC, MD, WA, SC, MO, IL, SD, WI, OH, FL, AZ, MN, MA, CA, NY, DC, TX; General Securities Representative; Investment Advisor Representative
About Me
Annie is a Vice President Financial Advisor with Frantz Guzman Group. She is dedicated to helping high- and ultra-high net worth clients navigate every stage of life, with a focus on growing, preserving, and ultimately transferring wealth with clarity and confidence.
She brings to her team and client’s expertise in all areas of financial planning, including investment and portfolio management, retirement strategies, and estate planning. She approaches each relationship with care and intention, providing holistic, personalized guidance aligned with each client’s goals, values, and lifestyle.
Annie holds the CERTIFIED FINANCIAL PLANNER® designation, underscoring her commitment to the highest standards of the profession. To earn the CFP® marks, financial professionals must meet rigorous education, examination, experience, and ethical requirements set by the CFP® Board. Additionally, Annie maintains her Series 7, Series 66, and Health and Life Insurance licenses.
Before joining Morgan Stanley, Annie was a Vice President Financial Advisor at UBS Financial Services. Earlier in her career, she worked as a Management Consultant at Pricewaterhouse Coopers (PwC), where she developed her passion for delivering best-in-class client-focused solutions. She earned her Bachelor of Arts in Psychology from the University of Michigan in Ann Arbor.
Annie lives in Edina, MN with her husband, Jason, and their daughters, Penelope and Luisa. She is a proud member of Team Women. Outside of work, she enjoys time with family and friends and walking the city lakes with her dog, Walter.
She brings to her team and client’s expertise in all areas of financial planning, including investment and portfolio management, retirement strategies, and estate planning. She approaches each relationship with care and intention, providing holistic, personalized guidance aligned with each client’s goals, values, and lifestyle.
Annie holds the CERTIFIED FINANCIAL PLANNER® designation, underscoring her commitment to the highest standards of the profession. To earn the CFP® marks, financial professionals must meet rigorous education, examination, experience, and ethical requirements set by the CFP® Board. Additionally, Annie maintains her Series 7, Series 66, and Health and Life Insurance licenses.
Before joining Morgan Stanley, Annie was a Vice President Financial Advisor at UBS Financial Services. Earlier in her career, she worked as a Management Consultant at Pricewaterhouse Coopers (PwC), where she developed her passion for delivering best-in-class client-focused solutions. She earned her Bachelor of Arts in Psychology from the University of Michigan in Ann Arbor.
Annie lives in Edina, MN with her husband, Jason, and their daughters, Penelope and Luisa. She is a proud member of Team Women. Outside of work, she enjoys time with family and friends and walking the city lakes with her dog, Walter.
Securities Agent: GA, SC, WA, SD, MO, FL, IL, AZ, AR, TN, NY, WI, OH, MD, MA, TX, CA, NC, MN, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2781514
NMLS#: 2781514
About Jordyn Anderson
Before joining Morgan Stanley in 2025, Jordyn worked as a Registered Client Service Associate at UBS. She works with our clients and advisors on a daily basis to deliver the highest quality of service.
She graduated from the University of Minnesota – Twin Cities in 2019, majoring in Strategic Communications and Sports Management. She began her career in the sports social media and public relations industry, working in the Athletic Communications Department at the University of Minnesota. She recently lived in downtown Chicago where she worked as an Account Coordinator at a boutique public relations firm.
Jordyn’s past experiences have given her the tools needed to manage the operational aspects of the business. She holds her Series 7 and Series 66 licenses.
Returning to her roots, Jordyn moved back to Minnesota in December of 2021 and currently resides in Eden Prairie. When she isn’t working, you will most likely find her with her nose in a book, spending time with friends and family or exploring the outdoors.
She graduated from the University of Minnesota – Twin Cities in 2019, majoring in Strategic Communications and Sports Management. She began her career in the sports social media and public relations industry, working in the Athletic Communications Department at the University of Minnesota. She recently lived in downtown Chicago where she worked as an Account Coordinator at a boutique public relations firm.
Jordyn’s past experiences have given her the tools needed to manage the operational aspects of the business. She holds her Series 7 and Series 66 licenses.
Returning to her roots, Jordyn moved back to Minnesota in December of 2021 and currently resides in Eden Prairie. When she isn’t working, you will most likely find her with her nose in a book, spending time with friends and family or exploring the outdoors.
About Sam Donovan
Sam is a Client Service Associate with Frantz Guzman Group at Morgan Stanley. She joined the team in May 2025, bringing with her seven years of experience in risk and compliance at U.S. Bank.
Sam is a graduate of Brown University, where she earned her degree in Business, Entrepreneurship, and Organizations with a focus in Economics. While at Brown, she also played Division I hockey – a sport she continued professionally for five years in the NWHL and PWHPA. Her experiences as a high-level collegiate and professional athlete shaped her approach to client service – fostering teamwork, strong communication, reliability, and a commitment to excellence.
Originally from Minnesota, Sam is happy to be back in her home state and currently lives in New Brighton. When she is not at work she enjoys staying active and spending quality time with friends and family.
Sam is a graduate of Brown University, where she earned her degree in Business, Entrepreneurship, and Organizations with a focus in Economics. While at Brown, she also played Division I hockey – a sport she continued professionally for five years in the NWHL and PWHPA. Her experiences as a high-level collegiate and professional athlete shaped her approach to client service – fostering teamwork, strong communication, reliability, and a commitment to excellence.
Originally from Minnesota, Sam is happy to be back in her home state and currently lives in New Brighton. When she is not at work she enjoys staying active and spending quality time with friends and family.
Contact Erica Frantz
Contact Annie Guzman
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Frantz Guzman Wealth Management 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 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 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 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.
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.
5Morgan 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.
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 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 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 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.
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.
5Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
