Gregg M. Cummings, CFP®, ChFC®, RICP®
Executive Director,
Financial Advisor,
Family Wealth Director,
Senior Portfolio Management Director
Direct:
(651) 215-8468(651) 215-8468
Toll-Free:
(800) 421-0018(800) 421-0018
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Biography
A financial professional with Morgan Stanley and predecessor firms since 1999, Gregg has been consistently helping clients set their long-term financial goals and objectives while seeking the least amount of risk possible. He brings a detailed and hardworking approach to his clients.
An area of focus for Gregg is in designing and executing financial plans for clients, for which he earned the professional designation of CERTIFIED FINANCIAL PLANNER™ Practitioner. Gregg has also received the Chartered Financial Consultant®, ChFC®, designation.
Gregg manages complex financial strategies for clients with a focus on retirement, education, and charitable giving. Gregg has completed rigorous training with The Institute of Family Wealth Management at Morgan Stanley, an interactive e-learning program designed to empower financial advisors to build meaningful, multi-generational relationships with clients and their entire families, especially spouses, children and aging parents.
Gregg is a graduate of the University of Redlands in California with a Bachelor of Science degree in Business Administration. As a member of the Leadership St. Paul Class of 2011, Gregg began his connecting with the St. Paul Chamber of Commerce. He also served on the Board of the St. Paul Chamber of Commerce Foundation, as was named the Chamber’s Emerging Volunteer of the Year in 2014.
In 2015 Gregg was named 40 Under 40 by the Minneapolis/St. Paul Business Journal, which recognize high-achieving young business leaders in Minneapolis/St. Paul.
Gregg has been involved in a Task Force to raise funds for new Ronald McDonald House Family Room at Children’s Hospitals and Clinics in St. Paul. He continues to serve Children’s Minnesota as a part of the Legacy Advisors. He is also on the United Hospital Foundation board and Chair MN Kids Give, a local non-profit teaching children the benefits of philanthropy.
Gregg loves to cook and is an avid golfer, tennis player, reader and world traveler.
Disclaimers:
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.
Minneapolis/St. Paul Business Journal 40 Under 40 asks brokerage firms to nominate their top young brokers. Of those nominated, Minneapolis/St. Paul Business Journal bases its rankings on quantitative and qualitative criteria. Financial Advisors are ranked by their annual trailing-12 month production (as of Sept 30, 2014), The rating is not indicative of the advisor's future performance. Neither Morgan Stanley Smith Barney LLC nor its financial advisors pay a fee to Minneapolis/St. Paul Business Journal in exchange for the rating.
An area of focus for Gregg is in designing and executing financial plans for clients, for which he earned the professional designation of CERTIFIED FINANCIAL PLANNER™ Practitioner. Gregg has also received the Chartered Financial Consultant®, ChFC®, designation.
Gregg manages complex financial strategies for clients with a focus on retirement, education, and charitable giving. Gregg has completed rigorous training with The Institute of Family Wealth Management at Morgan Stanley, an interactive e-learning program designed to empower financial advisors to build meaningful, multi-generational relationships with clients and their entire families, especially spouses, children and aging parents.
Gregg is a graduate of the University of Redlands in California with a Bachelor of Science degree in Business Administration. As a member of the Leadership St. Paul Class of 2011, Gregg began his connecting with the St. Paul Chamber of Commerce. He also served on the Board of the St. Paul Chamber of Commerce Foundation, as was named the Chamber’s Emerging Volunteer of the Year in 2014.
In 2015 Gregg was named 40 Under 40 by the Minneapolis/St. Paul Business Journal, which recognize high-achieving young business leaders in Minneapolis/St. Paul.
Gregg has been involved in a Task Force to raise funds for new Ronald McDonald House Family Room at Children’s Hospitals and Clinics in St. Paul. He continues to serve Children’s Minnesota as a part of the Legacy Advisors. He is also on the United Hospital Foundation board and Chair MN Kids Give, a local non-profit teaching children the benefits of philanthropy.
Gregg loves to cook and is an avid golfer, tennis player, reader and world traveler.
Disclaimers:
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.
Minneapolis/St. Paul Business Journal 40 Under 40 asks brokerage firms to nominate their top young brokers. Of those nominated, Minneapolis/St. Paul Business Journal bases its rankings on quantitative and qualitative criteria. Financial Advisors are ranked by their annual trailing-12 month production (as of Sept 30, 2014), The rating is not indicative of the advisor's future performance. Neither Morgan Stanley Smith Barney LLC nor its financial advisors pay a fee to Minneapolis/St. Paul Business Journal in exchange for the rating.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- Asset Management
- Business Succession PlanningFootnote2
- Cash ManagementFootnote3
- Financial PlanningFootnote4
- Philanthropic Services
- Planning for Education FundingFootnote5
- Retirement PlanningFootnote6
- Sustainable InvestingFootnote7
- Wealth Consulting
- Wealth ManagementFootnote8
Securities Agent: CO, CA, WI, OR, FL, DC, MD, RI, NC, VA, SD, TX, NJ, MA, TN, IA, PA, ND, MN, MI, KS, ID, CT, AZ, MT, MO, WA, NE, WY, NY, NM, ME, IN, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262080
CA Insurance License #: 0D01333
NMLS#: 1262080
CA Insurance License #: 0D01333
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
1999 - Present: Morgan Stanley*
Executive Director
Family Wealth Advisor
Financial Advisor
Senior Portfolio Manager
St. Paul, MN
1997 - 1999: Gregg Cummings Tennis Academy
Director of Tennis
Roseville, MN
Executive Director
Family Wealth Advisor
Financial Advisor
Senior Portfolio Manager
St. Paul, MN
1997 - 1999: Gregg Cummings Tennis Academy
Director of Tennis
Roseville, MN
Associations
- MN Kids Give, Founder and Board Member
- Leadership Minnesota, Member 2022-2023
- United Hospital Foundation, Board Member
- ISD 197 Educational Foundation, Board Member
- Leadership St. Paul, Masters Program Volunteer
- University of Redlands Alumni Association, Board of Directors: 2012-2014
- Minnesota Tennis Challenge, Volunteer
Education
- B.S. - Business Administration, 1999, University of Redlands, Redlands, CA
- Certified Financial Planner_x0019_
- Chartered Financial Consultant.
- Financial Planning Specialist Designation
- Insurance License: Accident & Health, Variable Life & Annuities
- Series 7 - General Securities
- Series 31 - Managed Futures & Commodities
- Series 63 - Uniform State Exam
- Series 65 - Investment Advisory Agent
Client Service Team
Donna J. Klicka - Business Development Associate
Phone:
(651) 215-8459(651) 215-8459
Email:Donna.J.Klicka@MorganStanley.com
Donna Klicka, Business Development Associate, embraces many responsibilities for the Nerland-Cummings Group and has been a pillar of consistency, as she offers an outstanding client experience while taking a true enjoyment from working with the group’s exceptional clientele. She implements the team’s standard of care by streamlining client onboarding, operations, and account maintenance, truly making our client’s' lives easier.
With a wealth of experience in the financial industry that extends back to 1992, Donna has been recognized for her exceptional work in one of the industry’s leading publications, Registered Rep Magazine (2008), an honor Donna is very deserving of. Donna has also held other roles within the firm where she works closely with other peers on topics related to new service initiatives and on-going training. Donna holds her Series 7 and 66 licenses.
Family plays a major role for Donna outside of work. She and her husband have two children and a dog.
With a wealth of experience in the financial industry that extends back to 1992, Donna has been recognized for her exceptional work in one of the industry’s leading publications, Registered Rep Magazine (2008), an honor Donna is very deserving of. Donna has also held other roles within the firm where she works closely with other peers on topics related to new service initiatives and on-going training. Donna holds her Series 7 and 66 licenses.
Family plays a major role for Donna outside of work. She and her husband have two children and a dog.
Kerry M. Seitz - Senior Registered Client Service Associate
Phone:
(651) 215-8485(651) 215-8485
Email:Kerry.Seitz@MorganStanley.com
Kerry Seitz, Sr. Registered Client Service Associate, is a seasoned professional with over 40 years of experience in the Financial Services industry. Her career journey has taken her from the Smith Barney office in Milwaukee, WI, all the way to New York and back to the Midwest. She has a deep understanding of branch operations and client service, as well as training and supporting teams of service professionals. A master problem-solver, Kerry’s depth of knowledge allows her to deliver solutions to her team and to clients. She is a natural relationship builder and enjoys working directly with clients each day.
Kerry lives in Stillwater, MN with her husband Dave, and she is proud stepmom to Zach who is a Marine at Camp Pendleton. Outside of the office, Kerry takes advantage of the beauty of Minnesota with many camping and fishing trips. She also enjoys spending time with family and friends.
Kerry lives in Stillwater, MN with her husband Dave, and she is proud stepmom to Zach who is a Marine at Camp Pendleton. Outside of the office, Kerry takes advantage of the beauty of Minnesota with many camping and fishing trips. She also enjoys spending time with family and friends.
Location
380 Saint Peter St
Ste 1000
St. Paul, MN 55102
US
Direct:
(651) 215-8468(651) 215-8468
Toll-Free:
(800) 421-0018(800) 421-0018
Fax:
(651) 215-8408(651) 215-8408
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Gregg M. Cummings 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.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3Morgan 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
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3Morgan 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
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
