Matt Stotler
Private Banker
Katie A. Baker
Financial Advisor,
Associate Vice President
Direct:
(970) 776-5527(970) 776-5527
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to highly seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Securities Agent: MN, FL, WY, OK, CA, NV, NY, TX, WI, CO, WA, VT, AZ, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 2260909
NMLS#: 2260909
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
Our clients are successful business owners and professionals with active lives. They seek a team of experienced advisors to help them make smart decisions, both financial and non-financial, on the following objectives:
• Managing a life-changing event, such as the sale of a business, the transition to a new job, a divorce, the death of a spouse or the receipt of a large inheritance
• Planning for a successful retirement
• Financing a major acquisition
• Minimizing taxes while optimizing performance
• Preparing the next generation to effectively manage wealth
• Achieving long-term charitable and philanthropic goals
While the clients we serve have unique priorities and circumstances, they all have three goals in common. They want to:
1. Simplify their finances so they can focus on what is important to them
2. Develop an integrated and sustainable wealth strategy for now and the future
3. Achieve a work-optional lifestyle
We understand the challenges of wealth and are here for you each step of the way. We strive to provide the knowledge and insights you need to succeed in today’s fast-paced world, so you may enjoy your wealth and leave the legacy you desire.
Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Working together, we define what is most important to you and develop the path and strategies to help get you there.
• Managing a life-changing event, such as the sale of a business, the transition to a new job, a divorce, the death of a spouse or the receipt of a large inheritance
• Planning for a successful retirement
• Financing a major acquisition
• Minimizing taxes while optimizing performance
• Preparing the next generation to effectively manage wealth
• Achieving long-term charitable and philanthropic goals
While the clients we serve have unique priorities and circumstances, they all have three goals in common. They want to:
1. Simplify their finances so they can focus on what is important to them
2. Develop an integrated and sustainable wealth strategy for now and the future
3. Achieve a work-optional lifestyle
We understand the challenges of wealth and are here for you each step of the way. We strive to provide the knowledge and insights you need to succeed in today’s fast-paced world, so you may enjoy your wealth and leave the legacy you desire.
Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Working together, we define what is most important to you and develop the path and strategies to help get you there.
"Fit" Meeting
Our relationship begins with a face-to-face conversation to understand your financial concerns and determine if your specific objectives align with our strengths and areas of dedication.
We discuss important investment concepts and provide details on our investment philosophy.
We are not trying to be all things to all people.
We are trying to be all things to some.
We discuss important investment concepts and provide details on our investment philosophy.
We are not trying to be all things to all people.
We are trying to be all things to some.
Team Consultation
Our team meets internally to determine how we can add value to your situation. If there is a “good fit” among us, we will schedule our next discussion and request important information about your finances. If not, we will direct you to a better resource to assist with your needs.
Strategy Development
We build upon our initial conversation, reviewing the information you’ve prepared and discussing a high-level overview of your situation and recommendations. In this step, we also begin the process of opening accounts and transferring assets to Morgan Stanley
Analysis & Plan Preparation
Utilizing proprietary planning tools and our investment guidelines, we develop your personalized and detailed financial plan with recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future financial decisions.
Plan Presentation & Implementation
In this step, we present appropriate investment options that, once implemented, are designed to work together to help achieve your financial goals. Upon your approval, we will execute the investment recommendations and begin to implement the additional wealth management strategies we’ve discussed. These often encompass risk management, as well as estate, trust and philanthropic services.
Ongoing Stewardship
Committed to a concierge service model, we focus on developing a relationship that can provide value to you and your family and offers a fully engaged dedicated services. We provide you with a variety of tools, so you have immediate access to your accounts. And because markets and personal needs evolve over time, we set up ongoing meetings in an effort to ensure your plan remains on track to achieving your goals.
OUR ULTRA-HIGH NET WORTH CLIENTS
Each of our clients require and receive the fundamentals of wealth management including strategic investment and risk management that aligns specifically with their financial plan. Ultra-High Net Worth individuals and families with 10 million or more in assets, have additional considerations that separate them from other investors. They need an advisor specifically qualified to work toward their needs.
Throughout the last four decades, The Hemmings Group has focused on the specific concerns and strategies that can be implemented with Ultra High Net Worth investors. We are one of the top Ultra High Net Worth Investment Management Teams in Northern Colorado having access to the following resources listed below:
Throughout the last four decades, The Hemmings Group has focused on the specific concerns and strategies that can be implemented with Ultra High Net Worth investors. We are one of the top Ultra High Net Worth Investment Management Teams in Northern Colorado having access to the following resources listed below:
Wealth Transfer
Taking care of future generations is a core objective of many clients. Our advice on some of the most effective ways to structure wealth transfer can help make a meaningful difference in terms of taxes, control and family dynamics.
Philanthropy
Our clients often have a cherished institution or cause to which they want to make a lasting contribution. We sort through the many ways to structure philanthropic plans to help clients maximize the value of their gift.
Legacy Planning
How do you want to be remembered? Many clients come to us with general ideas, but without a specific, defined strategy to accomplish their legacy goals. We work with them to help create a plan.
Endowments & Foundations
Many clients with substantial wealth choose to create an endowment at an institution, or a foundation with a defined charitable goal. Our team, plus top professionals at Morgan Stanley, have the necessary experience and dedicated knowledge to manage this task.
Tax-Efficient Portfolios
Tax strategies can have a surprisingly large potential impact on lifetime wealth accumulation. A look at some of the techniques that could help you keep more money growing.
Tax-Efficient Strategies
Signature Access
Signature Access, the highest tier of Morgan Stanley's
complimentary loyalty program Reserved Living & Giving.
gives clients with $10 million or more in assets at the firm
access to world class services such as Private Health
Advisory, Personal Cybersecurity Services, Aircraft
Management and more in addition to all the discounts
and content available through Reserved Living & Giving
MS Reserved Living & Givingcomplimentary loyalty program Reserved Living & Giving.
gives clients with $10 million or more in assets at the firm
access to world class services such as Private Health
Advisory, Personal Cybersecurity Services, Aircraft
Management and more in addition to all the discounts
and content available through Reserved Living & Giving
Family Office Cybersecurity
Family Offices can be quite vulnerable to cyber threats
and the dangers of ransomware are real. Consider these
best practices to protect your information and assets in
an increasingly complex digital world.
Family Offices & Cybersecurityand the dangers of ransomware are real. Consider these
best practices to protect your information and assets in
an increasingly complex digital world.
Corporate Business Services
Morgan Stanley at Work provides workplace financial benefits that build financial confidence and foster loyalty—helping companies attract and retain top talent. Our end-to-end solutions support organizations at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service. And while we’re fulfilling a company’s benefits needs, we’re enhancing employees’ financial well-being. Each benefit solution includes our engaging Financial Wellness program, which provides employees with knowledge, tools, and support to help them make the most of their benefits and achieve their life goals.
Equity Solutions
Together, we’ll help you create a culture of ownership at your organization by enabling you to build an equity compensation offering that best fits your needs.
Executive Services
Empower your leaders to manage their equity compensation and complex financial needs with a dedicated Executive Services Relationship Manager.
Click Here
Deferred Compensation
Stay competitive with a Nonqualified Deferred Compensation plan – a workplace benefit for executives and other highly compensated employees and a powerful tool to help recruit, retain and reward executives.
Click Here
Retirement Solutions
Leverage a comprehensive range of solutions, with the support of Financial Advisors, to help employees confidently reach their long-term goals.
Financial Wellness
The more knowledgeable your employees are in their finances, the more confident they can be in work and life. That’s why we include Financial Wellness with every service we provide.
Click Here
Strategic Client Management
Strategic Client Management (SCM) helps solve financing and advisory needs for your client and their business. We work with our internal Institutional Securities Group and Investment Management Funds (MSIM) as well as a platform of Middle Market Investment Boutiques that have been vetted and on-boarded to Morgan Stanley with strengths across a variety of industries and geographies. So we will vet the incoming information and identify the best direction for the opportunity to go based on size, culture, geography, strengths and past deals.
Public Market Solutions
Whether you’re newly public, expanding globally or looking to evolve your equity compensation offering, we’re ready to help you with our end-to-end equity compensation solutions.
Private Market Solutions
Creating a framework that builds from the systematic, objective and data-driven methodologies many investors use to determine allocations in public markets and complementing it with inputs dedicated to private markets.
Tax Efficient Strategies
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. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Tax-Efficient Investing: Helping Keep Returns
Establishing a tax management strategy for your investments may help you keep more of your returns. Applying an active tax-management strategy for your investments may help reduce your overall tax burden. Even small reductions in tax payments today can have a big impact on your wealth tomorrow. Consider putting in place some or all of the following potential solutions.
Consider These Tax Moves
Total Tax 365: Tax-Smart Investing. All Year Long.
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Why Choose Tax Smart Investing?
Want to Keep More of Your Investment Returns?
Establishing a tax management strategy for your investments may help you keep more of your returns. Applying an active tax-management strategy for your investments may help reduce your overall tax burden. Even small reductions in tax payments today can have a big impact on your wealth tomorrow.
Consider These Tax Moves
Tax-Loss Harvesting Can Work Year-Round for Investors—Here’s How
Tax-loss harvesting is a tax-efficient investing strategy that can help reduce taxes from your investments. While many investors think of tax-loss harvesting as a year-end strategy, it can actually help you all year round.
Tax Loss Harvesting
How to Access Your Tax Forms
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Location
6125 Sky Pond Drive
Loveland, CO 80538
US
Direct:
(970) 776-5527(970) 776-5527
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 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
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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
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 Katie A. Baker today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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
4Alternative 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.
5Morgan 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.
6Morgan 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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
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.
2Morgan 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.
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
4Alternative 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.
5Morgan 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.
6Morgan 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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
