Matthew K Johnson, FPS
Assistant Vice President, Business Development Associate, Financial Planning Specialist
Phone:
(952) 830-4371(952) 830-4371
Kelsi Rahm, CFP®, CIMA®
Vice President,
Financial Advisor,
Investing with Impact Director
Direct:
(952) 921-1940(952) 921-1940
Toll-Free:
(800) 786-6770(800) 786-6770
My Mission Statement
Helping to achieve your financial goals through sustainable, customized investment solutions
About Me
Kelsi Rahm is a seasoned CERTIFIED FINANCIAL PLANNER™ professional and Financial Advisor at Morgan Stanley. For more than 20 years, she has worked with highly successful individuals, families and business leaders, providing customized advice through a disciplined wealth management approach. Kelsi's investment experience and problem-solving capabilities enable her to help clients make smart decisions in both good and challenging markets. She is passionate about educating clients on how to incorporate sustainable investments into their portfolios, aligning their personal values with their overall investment strategy.
A graduate of Indiana University's Kelley School of Business, Kelsi began her career as an Investment Specialist at Charles Schwab. This led to new opportunities at a Registered Investment Advisory firm in Minneapolis and for a prominent Minnesota family office, where she developed skills in sustainable investing and philanthropic services. In 2014, Kelsi joined Morgan Stanley for the opportunity to work more directly with individual investors, families, business owners and women in leadership. She has been an invaluable member of the firm ever since, and in 2020, she was named to the firm's Pacesetter's Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first class client service.
Kelsi enjoys working with like-minded clients who appreciate the high level of skill and service she delivers. Her goals-based process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan that reflects each client's goals, and an investment portfolio that can be structured to create positive economic, social and environmental impact. Kelsi is committed to making a meaningful difference in the quality of her clients' lives and often becomes one of the most important relationships to them and their families.
Kelsi believes balance is vital to a happy life. Outside of the office, she enjoys spending quality time with her husband and two daughters, running and going for walks with their two dogs. She is also an active member of the Minnesota Jumpstart Coalition, a nonprofit organization focused on providing financial literacy resources to youth. Kelsi served as President of the Board in 2018 and 2019.
Services Include
- Asset Management
- Endowments and FoundationsFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Long Term Care InsuranceFootnote4
- Planning for Education FundingFootnote5
- Philanthropic ManagementFootnote6
- Retirement PlanningFootnote7
- Sustainable InvestingFootnote8
- Wealth ManagementFootnote9
Securities Agent: MS, NC, NJ, MO, MA, IL, CO, TX, OR, IA, FL, OH, NM, AL, NH, ME, KY, AK, NE, WY, OK, LA, KS, DE, WV, VT, VI, PA, HI, SC, MD, IN, DC, VA, RI, UT, PR, SD, ID, CT, NY, CA, WI, NV, MT, MN, MI, GA, AZ, AR, WA, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1413961
NMLS#: 1413961
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experienced, Compassionate Investment Advice
While working with philanthropic clients early in my career, I saw firsthand what can be achieved through careful, research-based sustainable investing. This experience fueled my passion for helping investors find and invest in opportunities designed to create positive change in the world.
Working with both institutional and individual clients for more than 20 years, I believe it's possible to incorporate philanthropic and community initiatives into your financial plan without compromising opportunities for growth. Here's how:
- I utilize the global resources and extensive research of Morgan Stanley – an industry leader in sustainable investing – to empower you to invest for financial and social impact.
- I help you avoid certain investments that conflict with your priorities by understanding your core values.
- I help you add value-based criteria to the investments we include in your portfolio.
- I provide robust reporting tools to measure performance and social results of our investment choices.
Every client experiences my thorough financial planning process and my commitment to ongoing outstanding service. As my client, you enjoy a caring relationship, respect for your privacy and confidentiality, and the freedom to be highly involved in your investment decisions.
I look forward to working together to implement strategies that are designed to further your financial goals and honor your personal ideals.
1: Introductory Meeting
We begin with an informal conversation to understand how we may help add value to your situation. This is our opportunity to learn about you and your opportunity to learn about us so that, collectively, we can determine whether we are a good fit for each other. If we all agree to move forward, we will then schedule a more in-depth discussion.
2: In-Depth Discovery
We continue our initial dialogue, learning about the values that shape your decisions, the concerns and any unique family circumstances relevant to the long-term goals you've set for yourself and your family. We explore a myriad of qualitative and quantitative questions and request important supporting documents so we have a complete understanding of your current situation and vision for the future.
3: Analysis and Strategy
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.
4: Plan Presentation & Implementation
In this step, we present appropriate investment options that 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. If necessary, we will introduce you to additional professionals, such as a CPA or estate attorney, to help implement our recommendations.
5: Ongoing Communication & Commitment to World-Class Service
To help ensure a customized experience, we tailor a communication plan that adapts to your personal preferences. We meet quarterly to help ensure your plan remains current and to review your progress towards achieving your goals and have created a "rapid response" process to address any questions or concerns you have quickly and efficiently.
Disclosures
ESG investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments may not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. As a result, it is difficult to compare ESG investment products or to evaluate an ESG investment product in comparison to one that does not focus on ESG.
Investing with Impact
Our Investing with Impact Platform offers a diverse range of funds and other investments designed to help Morgan Stanley clients align their portfolios with their values. We make it easy to craft an investment portfolio of any size that is tailored to advance the environmental, economic and social goals of your choice — while striving for competitive performance. We make it easy to craft an investment portfolio of any size that is tailored to meet the impact goals of your choice. The three I's of "Impact" represent the range of customizable approaches investors can pursue across asset classes to maximize positive impact.
- INTENTIONALITY
- INFLUENCE
- INCLUSION
Intentional investment process that seeks to generate market-rate returns alongside positive social and environmental impact in one or more of the following ways:
- Restriction Screening: Reduce exposure to companies that detract from intended positive impacts
- ESG Integration: Consider environmental, social and governance across corporate practices in the investment process
- Thematic Solutions: Focus on companies whose products & services contribute to sustainability solutions
- Active Ownership: Management engagement, strategy setting, proxy voting, resolution filing, filling board seats and more to modify behavior of portfolio companies to generate better social and environmental outcomes
- Market Building: Seek to influence the industry through collaborative affiliations and adopting global frameworks
- Diverse Firm Ownership and/or Diverse Representation Across Investment Professionals
- Environmental, Social and Governance (“ESG”) investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments may not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. ESG designations are as of the date of this material, and no assurance is provided that the underlying assets have maintained or will maintain and such designation or any stated ESG compliance. As a result, it is difficult to compare ESG investment products or to evaluate an ESG investment product in comparison to one that does not focus on ESG. Investors should also independently consider whether the ESG investment product meets their own ESG objectives or criteria. There is no assurance that an ESG investing strategy or techniques employed will be successful. Past performance is not a guarantee or a dependable measure of future results.
Align Your Investments With Your Values
- Investment Strategies
- Portfolio Solutions
- Capital Markets
- Custom Restriction Screening
- Analysis
- Thought Leadership
- Morgan Stanley Global Impact Funding Trust (MSGIFT)
- Morgan Stanley Impact Quotient
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
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Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
Learn About Our Planning Tools
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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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.
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Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash with flexible options and more ways to save.
Preferred Savings
CD Savings
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CD SavingsYour Philanthropic Journey
Our clients are an exceptional group of people. They have achieved considerable financial success and readily embrace the opportunity to give back. Some already have notable philanthropic accomplishments, while others are in the early stages of defining their giving strategies. All have a vision that we are exceptionally proud to support.
I provide insight and introductions to help you create the change you want to see in the world— efficiently, strategically, and successfully. We can help you use your philanthropic efforts to strengthen ties to your family, your community and your fellow philanthropists, and can augment the resources of your foundation and other organizations to make your life simpler and your work more efficient. Most of all, we are dedicated to helping you live the purposeful life you want to live and create the enduring legacy you want to leave.
Beyond Good Intentions: Strategic services to help you define and implement your philanthropic mission
- Articulate Your Vision: Creating a framework for your philanthropic goals
- Design Your Roadmap: Assess and select an appropriate mix of philanthropic opportunities that is closely aligned with your objectives
- Implement Your Strategy: Make sense of your options and build the right mix of philanthropic structures to help you to achieve your desired goals.
- Learn and Connect: establish new friendships and business relationships, these communities can often serve to amplify your efforts and further your philanthropic agenda.
Philanthropy in Action
- Balance Commitments
- Find a Cause
- Assist with Structuring Terms
- Align Company and Family Foundation
- Maximize the Connection Between Mission and Capital
- Core: The area or areas where your primary passions lie
- Discretionary: The causes you support at the behest of others
- Emergency: Temporary, reactive causes (e.g., disaster relief)
- Others: Causes outside your core interests
Location
8300 Norman Center Dr
Ste 1150
Bloomington, MN 55437
US
Direct:
(952) 921-1940(952) 921-1940
Toll-Free:
(800) 786-6770(800) 786-6770
Fax:
(612) 340-1773(612) 340-1773
Meet My Team
Sophia V. Demou
Wealth Management Associate
Phone:
(952) 830-4372(952) 830-4372
Pinkey Tamang
Client Relationship Analyst
Phone:
(952) 830-4373(952) 830-4373
Kimberly Crook
Registered Client Relationship Analyst
Phone:
(952) 830-4376(952) 830-4376
About Matthew K Johnson
Matt grew up in Superior, WI and graduated from The College of St. Scholastica with a Bachelor of Arts degree in Humanities in Duluth, MN. He started with Morgan Stanley in 2017 and brings over a decade of experience delivering exceptional client service. Prior to joining Kelsi’s team, he worked on the institutional side, where he managed a team that provided operational support to Family Office clients. Matt is excited to be back in the Twin Cities and when not spending time with his family, he enjoys camping, golf, and watching sports.
About Sophia V. Demou
Sophia grew up in Lakeville, MN and graduated from the University of Wisconsin Madison’s School of Business with a degree in Finance and Investment Banking. She started her career in Scottsdale, Arizona with Vanguard’s Client Service and Operations division. In 2022, Sophia joined Morgan Stanley where she worked on the institutional side supporting high net worth Family Office clients. Outside of work Sophia enjoys spending time with her family and pets, reading, hiking, and playing pickleball.
About Pinkey Tamang
Pinkey has a bachelor’s degree in business administration and has a background in banking, digital marketing, and customer relationships.
Most recently, Pinkey was a Relationship Banker at Bank of America.
She speaks three languages, English, Nepali, and Hindi. Outside of work Pinkey enjoys fishing with her husband, baking, cooking, and spending time with family and friends.
Most recently, Pinkey was a Relationship Banker at Bank of America.
She speaks three languages, English, Nepali, and Hindi. Outside of work Pinkey enjoys fishing with her husband, baking, cooking, and spending time with family and friends.
About Kimberly Crook
Kimberly is a Navy Veteran with an extensive background in secure communications, program & contract management and international education. She holds a master’s degree in educational leadership from Framingham State University and a bachelor’s degree in business administration from Thomas Edison State University.
In 2021 Kimberly joined Morgan Stanley through E*Trade, working in the corporate stock plan department in Alpharetta, Ga. While in Minnesota she has supported wealth management and stock plan/10b5-1 clients.
She has been married for 22 years and has three children. Her family also includes two standard poodles (Dumpling & Harley), a shih-tzu (Benji), and a Donskoy cat (Cleo).
In 2021 Kimberly joined Morgan Stanley through E*Trade, working in the corporate stock plan department in Alpharetta, Ga. While in Minnesota she has supported wealth management and stock plan/10b5-1 clients.
She has been married for 22 years and has three children. Her family also includes two standard poodles (Dumpling & Harley), a shih-tzu (Benji), and a Donskoy cat (Cleo).
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
Iran Conflict: Seven Takeaways for Investors
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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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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Kelsi Rahm today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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.
2Morgan 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 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Products 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.
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 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.
8Investing 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
2Morgan 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 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Products 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.
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 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.
8Investing 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
