Matt Stotler
Private Banker
Jodi R. Fleisher, CFP®, QPFC
Vice President, Wealth Management,
Alternative Investments Director,
Insurance Planning Director,
Financial Planning Specialist,
Financial Advisor
Direct:
(303) 595-2076(303) 595-2076
My Mission Statement
Wealth Management [noun]
1: Specializing in the design, development, and implementation of highly customized strategic planning and investment management to help preserve and grow clients' current and generational wealth.
2: For your money to outlive you, while you get to enjoy life on your terms.
1: Specializing in the design, development, and implementation of highly customized strategic planning and investment management to help preserve and grow clients' current and generational wealth.
2: For your money to outlive you, while you get to enjoy life on your terms.
My Story and Services
Jodi Fleisher is a CERTIFIED FINANCIAL PLANNER ™, Alternative Investments Director, and Financial Advisor who joined Morgan Stanley in 2015. Jodi has a diverse background spanning all the way from financial services to sports management. This diversity of viewpoints enable her to help enhance the wealth outcomes of her clients.
Jodi has an excellent understanding of how fundamentally, parts can lead to the success of the whole. By integrating in-depth planning, alternative investments, estate planning strategies, executive benefit services, and tax-efficiency into her business practices, she's able to seek optimal outcomes for her clients.
However, her focus is primarily on holistically determining what is most important to each family. This may range from helping with asset growth for current client opportunities, planning a confident retirement, or preservation and transfer of wealth. This multi-dimensional approach allows her to develop a truly customized plan allowing clients to see tangible progress towards their goals.
Jodi is a graduate of the Terry College of Business - the University of Georgia, where she earned a Bachelor of Business Administration with a degree in Marketing and a concentration in Strategic Management. Having grown-up with the exposure to the business of sport, and around the early years of professional sports organizations, she realized her passion for the desire to help preserve and grow an individual’s wealth. Her background is in sports marketing and management, specifically having worked as a project manager for the COO of the 1996 Olympic Summer Games. She currently holds her Series 7 and 66 licenses, Life & Health and Annuities Insurance licenses, and is NMLS (Nationwide Mortgage Licensing System) registered. Jodi is also a recipient of the 2021, 2023 and 2024 Five Star Wealth Manager Award. (2021, 2023 and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021, 2023, and 2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: 2021 Award - 11/30/20 - 6/25/21, 2023 Award -11/28/22 -06/30/23, and 2024 Award -12/12/23 - 7/9/24)
Born and bred in Atlanta, Georgia, Jodi now lives in Denver, Colorado with her Alaskan Malamute - Ullr. Prior to moving to Denver, Jodi was quite involved in the Atlanta community. In addition to various committees and serving on the field of play with various collegiate and professional sporting events, she was an active volunteer Behind the Scenes at the Georgia Aquarium. She remains very involved with the Terry Connect Alumni Mentoring Program. Her passions and activities run deep when it comes to snow skiing, cycling, hiking, scuba diving, travel, big game wildlife, photography, as well as new and exciting outdoor adventures.
Jodi has an excellent understanding of how fundamentally, parts can lead to the success of the whole. By integrating in-depth planning, alternative investments, estate planning strategies, executive benefit services, and tax-efficiency into her business practices, she's able to seek optimal outcomes for her clients.
However, her focus is primarily on holistically determining what is most important to each family. This may range from helping with asset growth for current client opportunities, planning a confident retirement, or preservation and transfer of wealth. This multi-dimensional approach allows her to develop a truly customized plan allowing clients to see tangible progress towards their goals.
Jodi is a graduate of the Terry College of Business - the University of Georgia, where she earned a Bachelor of Business Administration with a degree in Marketing and a concentration in Strategic Management. Having grown-up with the exposure to the business of sport, and around the early years of professional sports organizations, she realized her passion for the desire to help preserve and grow an individual’s wealth. Her background is in sports marketing and management, specifically having worked as a project manager for the COO of the 1996 Olympic Summer Games. She currently holds her Series 7 and 66 licenses, Life & Health and Annuities Insurance licenses, and is NMLS (Nationwide Mortgage Licensing System) registered. Jodi is also a recipient of the 2021, 2023 and 2024 Five Star Wealth Manager Award. (2021, 2023 and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021, 2023, and 2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: 2021 Award - 11/30/20 - 6/25/21, 2023 Award -11/28/22 -06/30/23, and 2024 Award -12/12/23 - 7/9/24)
Born and bred in Atlanta, Georgia, Jodi now lives in Denver, Colorado with her Alaskan Malamute - Ullr. Prior to moving to Denver, Jodi was quite involved in the Atlanta community. In addition to various committees and serving on the field of play with various collegiate and professional sporting events, she was an active volunteer Behind the Scenes at the Georgia Aquarium. She remains very involved with the Terry Connect Alumni Mentoring Program. Her passions and activities run deep when it comes to snow skiing, cycling, hiking, scuba diving, travel, big game wildlife, photography, as well as new and exciting outdoor adventures.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Alternative InvestmentsFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Executive Benefit ServicesFootnote5
- Business Succession PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Business PlanningFootnote10
- Donor Advised Funds
- Cash ManagementFootnote11
- Sustainable InvestingFootnote12
Securities Agent: OH, IL, DE, NY, WV, CO, TX, WA, UT, PA, NV, NC, CA, VA, KY, NJ, MO, FL, MD, GA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1454878
NMLS#: 1454878
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
For those on the field of play, gameday is not just a day: it’s the culmination of many years of hard work, planning and dedication. The same thing can be said for when you're entering into retirement. And, just like an athlete takes care of their physical and mental health, you also need to take care of your financial health. An investor and an athlete are not much different from one another, for game time preparation is an ongoing process in order to be prepared not just for the proactive calls, but for the challenges that lie ahead.
1. Scouting: Customizing Your Financial Strategy
In football, scouting is the process of studying opponents and players in detail to customize a team’s approach. Similarly, I take time to understand your unique needs, goals, and risk tolerance to craft a financial strategy that works specifically for you. No two clients are alike, and I firmly believe your financial plan should reflect your individual “playbook.” By taking the time to understand your situation fully, I can help you build a strategy that’s tailored, proactive, and ready to adapt to whatever opposition comes our way.
2. Creating a Game Plan: Coaches and Coordinators
Just like a football team relies on coaches and coordinators to design winning strategies, a solid financial game plan is essential to reach your goals. I'll serve as your coach, helping you assess the playing field, set realistic objectives, and map out a plan that takes you from where you are to where you want to be. From retirement planning to investment strategies, every step is crafted to give you a competitive advantage. With a well-thought-out game plan, you’ll always know the next play and stay focused on the end zone.
3. Audibles: Pivoting When Life Calls for a Change
In football, an audible is when the quarterback changes the play on the fly, responding to unexpected moves from the defense. In life, financial strategies also need flexibility to adapt to new circumstances—whether that’s a career shift, a change in family dynamics, or unexpected market conditions. I'm here to help you stay agile, making the right calls at the right time to keep you on track. With the support of a trusted advisor, you can make confident adjustments when life throws a curveball, knowing you've got a play ready for every situation.
4. The 12th Man: The Power of People
The “12th Man” is a term used to describe the passionate fan base that drives a team forward. For me, the 12th Man is the community of clients who have continuously supported my mission by sharing their experiences and referring friends, family, and colleagues. Referrals are the highest form of trust you can give us, and they’re the foundation of our practice. When you refer someone, you’re not just introducing them to a financial advisor—you’re inviting them to join a team dedicated to success and long-term growth. We appreciate every 12th Man who helps expand our impact and strengthen our community.
Executive Benefit Strategies
As a corporate executive, your compensation goes far beyond a base salary. Equity awards, deferred compensation plans, retirement benefits, and performance-based incentives can create significant opportunities—but they also come with complexity, risk, and often overwhelming decisions.
I specialize in working with high-level executives to bring clarity and strategy to these decisions. Whether you're planning for retirement, managing a liquidity event, or simply trying to make sense of your benefit package, I help you align your executive compensation with your long-term financial goals in a thoughtful, tax-efficient way.
Deferred Compensation Planning
Nonqualified deferred compensation plans (NQDC) can be powerful tools for tax deferral and long-term wealth accumulation—if used strategically. I'll help you evaluate your deferral options, coordinate payout timing with your projected income and tax brackets, and ensure your plan integrates seamlessly with your retirement and estate planning. My goal is to help you maximize value while maintaining flexibility and control.
Equity Compensation Guidance and Planning
I take a holistic approach to retirement planning, considering all sources of income: company-sponsored plans, deferred compensation, personal investments, and other assets. Whether you're years from retirement or already transitioning out of your role, I help you structure a plan that supports your lifestyle, accounts for longevity and healthcare, and positions your wealth for continued growth and protection.
Stock options and equity awards often represent a large portion of an executive's compensation. By providing customized strategies to help you as an executive manage all of your various stock options (i.e. ISOs, NQSOs, RSUs, and PSUs), together we will walk through the timing of exercises, tax implications, and diversification planning—so your equity works for you, not against you.
Additional Areas for Analysis and Incorporation
- Tax-efficient distribution strategies
- Concentrated stock risk management
- Change-of-control and severance event planning
- Estate and legacy coordination
- Charitable planning and philanthropic strategies To chat further please reach out directly.
EMAIL: Jodi.Fleisher@morganstanley.com
PHONE: 303-595-2076
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. I'm a firm believer of giving my clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns.
The resources below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
The resources below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
Click here to read the latest publication.
Thoughts On the Market
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
The Morgan Stanley Minute
Explore insights on today’s most important investment topics, including legacy planning, active management, cybercrime and monetizing small business.
Explore now
AlphaCurrents
As summer comes to a close, we take a step back to recap our highest-conviction thematic ideas for the years ahead.
Specifically, we offer ideas around four themes we have touched on in recent months.
Read the latest reportSpecifically, we offer ideas around four themes we have touched on in recent months.
Policy Impact
The Tax Cut and Jobs Act of 2017 (“TCJA”) made significant changes to individual taxes that were temporary in nature and set to expire on December 31, 2025. The One Big Beautiful Bill Act of 2025 (“BBB”), signed into law on July 4, 2025, makes some of those individual tax provisions permanent and modifies others.
Click here to learn moreLocation
1550 Market St
Suite 600
Denver, CO 80202
US
Direct:
(303) 595-2076(303) 595-2076
Fax:
(404) 609-2723(404) 609-2723
Hear From My Clients
Jodi Fleisher, our financial advisor for over a decade, has been invaluable to my family and business. She understands our dynamics and has used her knowledge and experience to help with my cash management, lending and investing needs. She freely shares her wisdom, making her one of the first people we consult when considering business ventures or investments. I highly recommend her and look forward to many more years of working with her.
William
Verified ClientApril 13, 2025
Franchise business 20+ years! As small business owners, we’ve taken on many business decisions, financial risks, responsibilities, and opportunities. With MS, and more specifically Jodi Fleisher CFP & QPFC, by our side, we continue to improve our financial goals. For more than a decade, Jodi has proven to be consistent, competent, and very resourceful. Jodi’s invaluable advice has helped us navigate while investing in our future! We will always be grateful to Jodi for her support and guidance!
Kathrina
Verified ClientApril 24, 2025
Jodi Fleisher has been our financial advisor for our business and personal needs for the past several years. In this short time, her knowledge and professionalism has been invaluable to us. She is in constant communication and prepared with strategies regarding our investments, cash management, and portfolio strategies. She is a reliable and trustworthy financial advisor. Her commitment, integrity and advice are just some of the reasons we enjoy and feel confident working with Jodi.
John
Verified ClientApril 24, 2025
We’ve had financial advisors in the past that did the obligatory check-ins twice a year. Jodi really invests the time in her clients to get to know them and what they want from their future.
She’s a true advisor…there for life events and, when you hit those inevitable bumps in the road, she’s there as a thought leader and problem solver. She’s quick to leverage her network of contacts to help you in big and small ways.
Dana
Verified ClientMay 18, 2025
It is a pleasure working with Jodi Fleisher. The character trait I value highly is that Jodi treats us as family. Her caring, support and advice considers all issues that we face and is always in our best interest. Jodi is ALWAYS available and has helped me and my family through a number of issues. I came to Jodi with a highly complex family business issue and she worked through all of those complexities to solve the problems we were facing. I am very happy with Jodi’s advice and counsel.
Andy
Verified ClientMay 18, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Matt Stotler
Matt Stotler is a Private Banker serving Morgan Stanley Wealth Management offices in Colorado.
Private Bankers partner with 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.
Matt began his career in financial services in 1987 with Bank of America, and joined Morgan Stanley in 2016 as a Private Banker. Prior to joining the firm, he was a Regional Manager at Merrill Lynch. He also served as a Private Client Manager with U.S. Trust.
Matt is a graduate of California State University, where he received a Bachelor of Arts in Business Administration and a minor in Spanish. He currently lives in Parker, Colorado. Outside of the office, Matt enjoys playing and coaching soccer, as well as spending time hiking, camping and biking with his 3 daughters.
Private Bankers partner with 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.
Matt began his career in financial services in 1987 with Bank of America, and joined Morgan Stanley in 2016 as a Private Banker. Prior to joining the firm, he was a Regional Manager at Merrill Lynch. He also served as a Private Client Manager with U.S. Trust.
Matt is a graduate of California State University, where he received a Bachelor of Arts in Business Administration and a minor in Spanish. He currently lives in Parker, Colorado. Outside of the office, Matt enjoys playing and coaching soccer, as well as spending time hiking, camping and biking with his 3 daughters.
NMLS#: 643938
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, 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
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
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
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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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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Ready to start a conversation? Contact Jodi R. Fleisher today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
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
12The 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
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
12The 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.
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Awards Disclosures
CRC 6491812 (04/2024)
