Phone:
(952) 921-1940(952) 921-1940
Kumar Rahm Group at Morgan Stanley
Direct:
(952) 921-1900(952) 921-1900
Our Mission Statement
Institutional Insight. Human Connection. Real Impact.
About Us
We believe the most powerful results come from combining institutional insight with deeply personal connection. Our team collaborates with entrepreneurs, executives, global professionals, and families who value thoughtful planning, clarity, and confidence when making financial decisions. We bring structure to complexity, help simplify choices, and give our clients the confidence to move forward always with the attentiveness and care they deserve.
We start every relationship by taking the time to truly understand what matters most to you. We listen carefully to learn how you define success, what goal drives you, and what challenges make your situation unique. With that understanding, we craft a strategy designed specifically for you, one that reflects your values, your timeline, and your priorities.
With a powerful mix of financial acumen, global perspective, and local market insight, we help you navigate the complexities of your financial landscape with confidence. We deliver meaningful strategies and possible solutions designed to help meet your unique goals, offering guidance and clarity every step of the way.
We start every relationship by taking the time to truly understand what matters most to you. We listen carefully to learn how you define success, what goal drives you, and what challenges make your situation unique. With that understanding, we craft a strategy designed specifically for you, one that reflects your values, your timeline, and your priorities.
With a powerful mix of financial acumen, global perspective, and local market insight, we help you navigate the complexities of your financial landscape with confidence. We deliver meaningful strategies and possible solutions designed to help meet your unique goals, offering guidance and clarity every step of the way.
Services Include
- Wealth ManagementFootnote1
- Business Succession PlanningFootnote2
- Sustainable InvestingFootnote3
- Philanthropic ManagementFootnote4
- Alternative InvestmentsFootnote5
- 401(k) Rollovers
- Retirement PlanningFootnote6
- Life InsuranceFootnote7
- Financial PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Trust AccountsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What are Alternative Investments?
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to unique opportunities to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency. With 45+ years of experience and $230+ billion in client assets invested in alternatives, Morgan Stanley is an industry leader in the asset class. Individuals and institutions can gain access to exclusive offerings, preeminent fund managers and innovative investment opportunities spanning private equity, private credit, real assets, hedge funds and more. See the link below for more information.. Disclosures Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
At Morgan Stanley, We Offer Comprehensive Strategies
As a business owner, you've devoted your career to building your company. Now is the time to plan for what comes next: spending more time with your family and pursuing new challenges. It is a transition that is among the most complex in the business world … and life. Creating and growing a successful business is seldom just about money, nor is the decision to exit the business, whether that exit is through an IPO, merger with another company, private sale or succession within the family. The process is intense, the details are complex, and the decisions are often an unexpected combination of personal and financial.
- Work with you and your key executives and advisors to help them prepare your business for sale
- Analyze each exit opportunity
- Connect you with investment banking professionals and other specialists
- Implement strategies to help manage taxes and seek to optimize flexibility
- Oversee and simplify the details of your financial life
- Manage your investments, including your balance sheet and liquidity needs
- Implement wealth transfer and legacy planning strategies
- Integrate philanthropy into your overall wealth management strategy
- Identify your team who can help you make the best decisions for your business and your personal finances. Your team should include an estate attorney, corporate attorney, investment banker, accountant, a business valuation expert and your Financial Advisor.
- Your team can help you:
- Conduct a market analysis to determine the current value of your business
- Review your company's "curb appeal" to optimize the sale price
- Update your financial and estate plans
- Evaluate various strategies to understand the pros and cons of each
- Identify growth levers and focus your attention accordingly. It's also important to ensure continuity among owners. Take the time to train your successor and secure key employees through incentives and opportunities for personal growth.
- Continue growing your business to increase its valuation. Focus on tasks that are yet to be completed to educate potential buyers that your business can be transferred without endangering potential cash flows and profits.
- Begin to implement transfer strategies and work with your team to consider various strategies to transfer your business to family members.
- Once you've completed your transaction, take some time to celebrate.
- Then, work with your team to update your personal wealth management plan.
- As your business has created new wealth for you and your family, it has most likely added complexity to your personal financial life. We can help you oversee those details, including managing the opportunities and risks that can come with your new balance sheet and investment portfolio.
ORGANIZING THE TRANSITION
ONGOING SUPPORT AFTER THE TRANSITION
STAGE ONE: PRE-PLANNING
STAGE TWO: SALE/TRANSFER PROCESS
STAGE THREE: POST-SALE ENGAGEMENT
Cross-Border Financial Services
As a Morgan Stanley International Client Advisor (ICA), Pravin is uniquely positioned to serve Canadian permitted clients. With nearly three decades of experience in the market, a deep understanding of cross-border financial needs, and over 10 years of experience as a Portfolio Manager licensed for discretionary equity, we are here to help you navigate your financial journey.
- Having extensive experience in the Canadian tax rules, I provide relevant tax reports to my clients that are required from the Canada Revenue Agency for tax filing.
- Canadian domiciled holding and operating corporations are generally not subject to estate taxes; however, please consult your tax advisor.
Cross-Border Experience
Leveraging my extensive experience and deep understanding of the financial landscape in both the U.S. and Canada, I provide guidance tailored to your unique situation. Whether you're a Canadian living in the U.S., a U.S. resident with financial interests in Canada, or residing in Canada, I'm here to help.
Discretionary Equity Experience
With over 10 years of experience as a Portfolio Manager licensed for discretionary equity, I have the know-how to manage your portfolio and make investment decisions on your behalf.
Resources for Canadians
As a client, you will have access to top alternative products platforms and family office resources for cross-border issues. These resources can help you navigate complex financial needs and make informed decisions.
Morgan Stanley Wealth Canada
With Morgan Stanley Wealth Canada now accepting external clients, we can help Canadians manage both their taxable assets via Morgan Stanley Smith Barney and their custodial assets- RRSPs, RRIFs and TFSAs at the Morgan Stanley Wealth Canada platform.
Common Questions and Answers
How will the transition to a U.S.- based financial advisor impact my tax reporting?
Are my assets subject to U.S. estate rules?
Contact Me
Ready to take the next step in your financial journey? Contact me today to schedule a consultation.
Your 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) 921-1900(952) 921-1900
14 Second Street SW
Suite 201
Rochester, MN 55902
US
Direct:
(914) 357-1393(914) 357-1393
Meet Kumar Rahm Group
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Certified Exit Planning Advisor™ (CEPA), Chartered Financial Analyst, Senior Portfolio Manager
Phone:
(914) 357-1393(914) 357-1393
Matthew K Johnson, FPS
Assistant Vice President, Business Development Associate, Financial Planning Specialist
Phone:
(952) 830-4371(952) 830-4371
Sophia V. Demou
Wealth Management Associate
Phone:
(952) 830-4372(952) 830-4372
About Kelsi Rahm
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
About Pravin Kumar
Securities Agent: VT, KY, WY, ME, LA, KS, VI, NY, NJ, MS, MI, ID, DC, AZ, UT, NH, MO, MA, IN, CO, SD, RI, PA, OR, GA, WI, OH, IA, FL, DE, CT, CA, AL, TX, NC, AK, TN, VA, SC, PR, NM, MN, MD, AR, OK, IL, HI, WA, NV, WV, NE, ND, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 2170783
NMLS#: 2170783
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.
Contact Kelsi Rahm
Contact Pravin Kumar
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
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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 Kumar Rahm Group 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 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 (“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.
3Investing 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.
4Products 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.
5Alternative 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan 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.
10Morgan 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.
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 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 (“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.
3Investing 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.
4Products 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.
5Alternative 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan 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.
10Morgan 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.
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)
