Kathy Cook
Portfolio Associate
Phone:
(651) 472-8088(651) 472-8088
Jennifer Lynne Olson
Senior Vice President,
Financial Advisor
Direct:
(651) 472-8094(651) 472-8094
My Mission Statement
Dedicated to helping you feel confident as you face life's most important transitions, so you can feel comfortable on the financial path ahead.
My Story and Services
Jennifer Olson is a Senior Vice President and Financial Advisor with Morgan Stanley in St. Paul, Minn. Known for her unflagging integrity and ability to build strong, longlasting relationships, Jenn has more than 20 years of experience in financial services.
Jenn focuses on creating custom, comprehensive financial plans for every client and managing those plans meticulously to help them achieve their financial goals within their desired time horizon.
While Jenn works with a broad cross-section of clients, she primarily serves high-net-worth individuals, generational families, retirement plan investors and women investors, particularly those dealing with the complex financial decisions concerning separation and divorce.
A self-proclaimed "people person," Jenn cares deeply about her clients. In fact, in her teens she thought she would have a career caring for others. She majored in psychology and family studies at St Olaf College, where she graduated with a Bachelor of Arts degree in 2003.
While in college, Jenn interned at Piper Jaffray, which sparked her interest in finance. After graduation, an executive at the firm who respected her solid work ethic and ability to get along with all types of individuals, suggested she continue working for the company. She took his advice. That decision set her off on a fruitful path from which she has never wavered.
Jenn began her career in finance as a Wealth Advisory Associate, working in that role for nine years – four at Piper Jaffray and five at UBS, which bought Piper Jaffray's brokerage business in 2006. In 2012, she joined Morgan Stanley as a Financial Advisor and since then has steadily built a strong following of clients she thoroughly enjoys serving. She has since been promoted to Senior Vice President and a Century Club Member at Morgan Stanley.
In 2025, Jenn has been recognized by Forbes as Top Women Wealth Advisors Best-In-State for her advisory service!
ForbesTop Women Wealth Advisors Best-In-State 2025
Source: Forbes.com (Awarded February 2025). This ranking was determined based on an evaluation process conducted by SHOOK Research LLC in partnership with Forbes for the period 9/30/23-9/30/24.
Awards Disclosures: www.morganstanley.com/disclosures/awards-disclosure
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Trust ServicesFootnote3
- Structured ProductsFootnote4
- Sustainable InvestingFootnote5
- Qualified Retirement PlansFootnote6
- Planning for Education FundingFootnote7
- Philanthropic ManagementFootnote8
- Long Term Care InsuranceFootnote9
- Life InsuranceFootnote10
- Cash Management and Lending ProductsFootnote11
- Financial PlanningFootnote12
- Divorce Financial AnalysisFootnote13
Securities Agent: WV, NV, ND, MI, WA, UT, SC, OH, CA, AZ, CT, CO, VT, TX, NY, MN, MA, IL, WI, NC, MT, SD, ID, IA, VA, OK, GA, DC, OR, FL, NJ, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2675835
NMLS#: 2675835
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Retirement Planning
Jennifer painstakingly creates a custom, comprehensive financial plan for every client. This is the document that identifies all of a client's goals and the path that she recommends clients follow in order to achieve them over time.
To create your plan, Jenn conducts an extensive interview to obtain a complete picture of your financial life. From there, she carefully analyzes this information and, using all the tools available to her at Morgan Stanley, creates a financial plan.
An excellent communicator and listener, Jenn then meets with you to describe the financial plan in an easy-to-understand language and gladly answers all your questions, clearly and succinctly.
One of the keys to succeed with your financial plan is your willingness to stick with it over time. Jenn strongly believes well-informed clients are likely to remain committed to their plan through all market and economic environments.
As your needs and goals change, Jenn will recommend alterations to your plan to help keep it on track to your desired financial destination.
Do You Know What Retirement Will Cost You?
A Core component of any wealth management framework is retirement planning. Making it increasingly important are longer life expectancies, rising health care costs, uncertainty tied to Social Security and continued changes in corporate retirement plans.
Goals Planning System (GPS)
The Morgan Stanley Goals Planning System (GPS) strives to guard against more than just market volatility. We take other important factors into account.
- Judgement- The possibility that you will retire too early, spend more than your investments can sustain or fail to withdraw less from your retirement funds when markets turn choppy.
- Behavioral- The possibility that you will sell holdings out of panic when markets decline, or in some cases chase gains out of exuberance when markjets rise- in other words, the possibility that you will buy high and sell low.
- Longevity- The possibility you will outlive your assets
My Process as it Relates to Your Journey
My approach is centered on transparent communication, personalized strategies, and shared decision-making. From the initial consultation and discovery to the implementation of meticulously crafted plans, we prioritize your financial goals. My commitment is not just to manage your wealth but to seek to empower you with the knowledge and strategies for potential financial success. Welcome to a partnership where your financial objectives become our shared mission.
1) Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables me to formulate strategies and customize the relationship to your needs.
2) Formulation of Tax, Trust, and Estate Strategy
Working with your tax and legal advisors, I can help analyze your income and estate tax circumstances to identify and tailor planning strategies that may be used to address your objectives.
4) Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, I can analyze the impact of taxes and trading costs on potential returns.
5) Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from Morgan Stanley's expansive investment platform.
6) Ongoing Assessment
In coordination with your other advisors, I can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. All of this is protected by cybersecurity experts drawn from former senior professionals at government security agencies and the technology industries, building an expert defense organization in house. Here are a few of the technologies we have to offer to our clients.
Morgan Stanley Online (MSO)
Manage your everyday finances with Morgan Stanley Online (MSO). MSO offers mobile check deposit, online bill pay, and an easy way to send money to family and friends using Zelle.
Learn more on Morgan Stanley Online
Goals Planning System
A holistic Goals Planning System approach to Wealth Management can help tailor an investment framework that considers key aspects of your life. Key aspects such as home buying, cash management, retirement age and potential withdrawal strategies. As circumstances and goals change, we can help adjust priorities and introduce additional solutions.
Learn more
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows Financial Advisors and their clients to build a central, shared document library where all documents are stored using encryption.
Learn more
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Learn more
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Learn more
Reserved Living & Giving
Reserved Living & Giving is a complimentary loyalty program available to Morgan Stanley Clients. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content and a variety of lifestyle and personal finance topics.
Enroll or Sign In
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash with flexible options and more ways to save.
Click Here
CD Rates
Get More Value For Your Cash With This Competitive New Money CD Offer From Morgan Stanley.
Click Here
The GIC Weekly
The Global Investment Committee (GIC) is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
Read Here
US Policy Pulse
Monthly publication that assesses the market relevance of recent domestic policy events.
Read HereWomen Without Limits
Women are uniquely challenged when seeking financial security. They earn less than men. Since many leave the workforce during their career to raise families or care for aging parents, they accumulate less than their male counterparts. But that's not all. Women have longer life expectancies than men so without proper planning they are more at risk of outliving their assets. How can women investors ensure their assets are working hard for them?
I believe the answer starts with education. Many women investors are intimidated by the complexities of investing. I address this challenge by devoting a great deal of time to educating women about the nuances of investing. Additionally, I take the time to listen carefully to my clients concerns and needs. I am extremely passionate about empowering women investors to become knowledgeable and confident in pursuit of their financial dreams.
Morgan Stanley Women Without Limits: Jenn Olson
Join us in our latest video as I explore the essentials in crafting a financial plan post-divorce that aligns with your unique independent goals. From budgeting to investment strategies, we seek to guide you through the process of reclaiming financial empowerment after a divorce.
Planning for Your Financial Future
Women make up half the population but for so long have been treated like a niche demographic in financial services. Today, women are largely responsible for their families' financial decision-making, and we hold the majority of consumer spending power. Certainly, we are anything but a niche.
Women and Wealth Fact Sheet
Women face unique financial challenges and the many roles they play- By exploring the things that really matter to you, you can identify your priorities, develop a strategy for potentially achieving your goals and keep on track as life unfolds.
5 Pieces of Career Advice From Successful Women in Finance
Morgan Stanley women share how they are navigating through and thriving in the competitive world of financial services.
Come in, Let's Talk Podcast
In season 1 of Come in Let's Talk, top women of Wall Street invite you into their offices--and tell you exactly what it took to get there. Come In, Let's Talk features senior executives at Morgan Stanley, who candidly share their personal experiences overcoming the challenges women face while climbing the ranks. These practical, surprising and hope-filled conversations offer inspiration and guidance for any one aspiring to a senior leadership position, and are essential listening for the ambitious everywhere.
Celebrating Women in Fashion
Morgan Stanley is proud to sponsor The Met Costume Institute's exhibition Women Dressing Women.
The exhibition traces the lineage of influential women-led fashion houses from the 20th century to the present day. Featured designers include household names, such as Coco Chanel and Tory Burch, as well as those whose contributions to fashion are not as well known.
Location
380 Saint Peter St
Ste 1000
St. Paul, MN 55102
US
Direct:
(651) 472-8094(651) 472-8094
Meet My Team
Matt Hanson
Registered Client Relationship Analyst
Phone:
(651) 472-8092(651) 472-8092
About Kathy Cook
Kathy works diligently to support both the needs of the clients and the financial advisors at the firm. As a Portfolio Associate, she is among the key contacts for administrative matters, such as handling monetary transfers or withdrawals, opening new accounts or online account assistance. Clients appreciate and value her organization, attention to detail and timely response to their concerns.
She has worked with clients at Morgan Stanley for more than 28 years. Originally beginning her career with the Smith Barney office in Raleigh, North Carolina, and later transferred to work in Minneapolis before opening the Stillwater branch. She earned her B.A. from Drake University and is FINRA Series 7 and 63 registered.
Kathy and her husband live in Rosemount and have 4 adult children and 3 grandkids. In her free time she enjoys spending time with family, working in her yard and traveling.
She has worked with clients at Morgan Stanley for more than 28 years. Originally beginning her career with the Smith Barney office in Raleigh, North Carolina, and later transferred to work in Minneapolis before opening the Stillwater branch. She earned her B.A. from Drake University and is FINRA Series 7 and 63 registered.
Kathy and her husband live in Rosemount and have 4 adult children and 3 grandkids. In her free time she enjoys spending time with family, working in her yard and traveling.
About Matt Hanson
Matt graduated from Winona State University in 2013 with a Bachelors Degree in Exercise Science and minor in Nutrition. After working in the health and fitness industry for several years he changed his focus to work in financial services, getting licensed in 2020, additionally attaining supervisory licenses in 2023. With experience in Banking and Insurance before joining Morgan Stanley, Matt brings a well-rounded knowledge base in many aspects of personal finance. Matt joined Morgan Stanley in 2023 working in a supervisory role on our operations team for the Minnesota Dakota market. Matt stays up to date on market trends and on the leading edge of financial markets.
Matt lives in Woodbury with his wife Theresa, son Griffin, and dog Charli. Matt’s family live a fun and healthy lifestyle, their family has roots in the east metro area.
Matt lives in Woodbury with his wife Theresa, son Griffin, and dog Charli. Matt’s family live a fun and healthy lifestyle, their family has roots in the east metro area.
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
Taylor Streiff
Associate Private Banker
About Taylor Streiff
Taylor Streiff is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Minnesota, North Dakota, and South Dakota.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Taylor began his career in financial services in 2020 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Commercial Lender at Pan American Bank and Trust in Chicago, Illinois.
Taylor is a graduate of the University of Minnesota - Duluth, where he received a Bachelor of Business Administration in Finance. He lives in Minneapolis, Minnesota with his family. Outside of the office, Taylor enjoys all things outdoors. He enjoys spending time with his friends and family.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Taylor began his career in financial services in 2020 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Commercial Lender at Pan American Bank and Trust in Chicago, Illinois.
Taylor is a graduate of the University of Minnesota - Duluth, where he received a Bachelor of Business Administration in Finance. He lives in Minneapolis, Minnesota with his family. Outside of the office, Taylor enjoys all things outdoors. He enjoys spending time with his friends and family.
NMLS#: 2539965
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
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
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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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
Article Image
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
Article Image
Ready to start a conversation? Contact Jennifer Lynne Olson today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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
12Morgan 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.
13Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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
12Morgan 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.
13Morgan 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.
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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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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
