LaShell Lentz, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(608) 829-4343(608) 829-4343
LaShell L. Lentz, CFP®
Senior Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(608) 829-4343(608) 829-4343
Toll-Free:
(800) 776-7797(800) 776-7797
My Mission Statement
I strive to provide financial peace of mind to families and business owners by guiding them to make smart decisions about their wealth now and throughout their lifetime.
My Story
I grew up in a lower-middle class family where building wealth seemed unattainable. I was introduced to investing as a teenager and immediately realized just how much control I could have over my financial future. I knew from an early age that I wanted to become a Financial Advisor so that I could help others find their own financial independence and security. I attended Edgewood College where I majored in Business Finance and Economics and received my MBA from the University of Wisconsin. Subsequently, I have earned the highly sought-after professional designation of CERTIFIED FINANCIAL PLANNER® that allows me to bring a higher level of advice to my clients while holding me to a strict code of ethics.
I began my career in 1996 and joined Morgan Stanley in 2013 and now have more than 28 years of experience in developing comprehensive financial plans focusing on retirement and income planning strategies for affluent individuals and families. Over that time, I have guided many clients through a myriad of economic and market conditions and due to the planning process in place, I have been able to help deliver many of them to successful outcomes. The favorite part of my job is hearing the relief in my clients' voices when they know they have been provided the roadmap to success and that I will be there for them along the way.
Morgan Stanley's core values of always do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back couldn't be more aligned with my own. As a wife and mother of two young daughters, raising the next generation of strong young women is very important to me. I dedicate hundreds of hours volunteering with the Girl Scouts and coaching my daughter's basketball team. In my free time, my husband Jason and I love taking our girls downhill skiing and spending time at our family's Northern Wisconsin cabin, fishing and water skiing.
Team Member: Forbes Best-In-State Wealth Management teams from 2024 through 2026.
Source: Forbes.com (Awarded 2024-2026). Data complied by SHOOK Research LLC based on 12-month time period concluding in March of the year prior to the issuance of the award.
Named to Forbes Best-In-State Wealth Advisors for 2026 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2026) Data compiled by SHOOK Research LLC for the period 6/30/24-6/30/25.
Named to Forbes Top Women Wealth Advisors Best-In-State for 2026 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2026) Data compiled by SHOOK Research LLC for the period 6/30/24 - 6/30/25
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Cash Management and Lending ProductsFootnote4
- Planning for Education FundingFootnote5
- Corporate Retirement PlansFootnote6
- Estate Planning StrategiesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- AnnuitiesFootnote10
- Professional Portfolio ManagementFootnote11
- Endowments and FoundationsFootnote12
- Executive Financial ServicesFootnote13
- Alternative InvestmentsFootnote14
- Sustainable InvestingFootnote15
- Structured ProductsFootnote16
Securities Agent: AZ, CO, MA, WI, VI, TX, MD, WY, MO, MN, AK, NY, KY, CA, AL, UT, SC, LA, DC, CT, VA, PA, OR, NC, KS, MT, MI, IN, IL, GA, WA, TN, NJ, ID, HI, OH, NV, NM, NE, MS, IA, FL, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1295641
NMLS#: 1295641
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My comprehensive process focuses on you, your family and your future – where you are today and where you want to go. Working together, I develop the strategies to help get you there, navigating life’s challenges and empowering you to make smart decisions about your wealth now and over time.
1. Initial Conversation
I begin with an informal conversation to understand your financial concerns and determine how I can add value. Should we agree to move forward, I schedule a Discovery Meeting and request copies of important financial documents so I can review them in advance of our meeting.
2. Discovery Meeting
In this in-depth discussion, I learn about the values that shape your decisions and identify any special circumstances in your life. My priority is to really get to know you – your goals, your needs, and your challenges – so I have all the necessary information to create a comprehensive and customized Wealth Management Plan.
3. Analysis and Assessment
Here, I utilize proprietary financial planning tools to meticulously analyze and assess your current financial situation. I then develop a Wealth Management Plan that is uniquely yours, aligning your objectives and priorities with your timeframes and risk level.
4. Wealth Management Plan Meeting
In this step, I meet with you to present your Wealth Management Plan in detail. Your Plan includes investment recommendations as well as other valuable strategies. These may include solutions to help reduce risk, minimize taxes and achieve your estate planning and legacy goals.
5. Mutual Commitment Meeting
One to two weeks later, we meet again to formalize our working relationship. Documents are executed as I officially welcome you into my practice.
6. The Advanced Plan
As your assets transfer to Morgan Stanley, I begin the disciplined process of executing your plan. I often collaborate with specialized professionals in key areas, as well as your CPA and estate attorney to help ensure a cohesive implementation and transparency.
7. First Follow-Up Meeting
This meeting is designed to provide a status update on the implementation of your plan, as well as introduce you to a myriad of digital resources now available.
8. Ongoing Service and Care
Committed to premium service, I focus on developing a relationship that provides special value to you and your family. I set up regular calls and meetings to provide updates and keep your plan on track towards achieving your goals.
Valuable Insights and Resources
Morgan Stanley's comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. I have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO) & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
To learn more, click here
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Watch this video to learn more
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Impact Quotient(IQ)
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the social and environmental impact of their investment portfolios.
Impact Quotient(IQ)
Morgan Stanley Minute
In this ongoing series of one-minute videos from our firm’s top investment thinkers, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
View our our library of interesting contentLocation
8215 Greenway Blvd
Ste 400
Middleton, WI 53562
US
Direct:
(608) 829-4343(608) 829-4343
Toll-Free:
(800) 776-7797(800) 776-7797
Fax:
(608) 829-2911(608) 829-2911
Meet My Team
Patrick O. Rindfleisch, CPWA®
Senior Vice President, Financial Advisor
Phone:
(608) 283-2308(608) 283-2308
Chadwick M. Schloesser, CFP®
First Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(608) 283-2326(608) 283-2326
James R. Adamczyk
Registered Client Service Associate
Phone:
(608) 283-2315(608) 283-2315
Mandy Rochel
Registered Client Service Associate
Phone:
(608) 829-3267(608) 829-3267
About LaShell Lentz
I grew up in a lower-middle class family where building wealth seemed unattainable. I was introduced to investing as a teenager and immediately realized just how much control I could have over my financial future. I knew from an early age that I wanted to become a Financial Advisor so that I could help others find their own financial independence and security. I attended Edgewood College where I majored in Business Finance and Economics and received my MBA from the University of Wisconsin. Subsequently, I have earned the highly sought-after professional designation of CERTIFIED FINANCIAL PLANNER™ that allows me to bring comprehensive level of advice to my clients while holding me to a strict code of ethics.
I began my career in 1996 and joined Morgan Stanley in 2013 and now have more than 23 years of experience in developing comprehensive financial plans focusing on retirement and income planning strategies for affluent individuals and families. Over that time, I have guided many clients through a myriad of economic and market conditions.
Morgan Stanley’s core values of always do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back couldn’t be more aligned with my own. As a wife and mother of two young daughters, raising the next generation of strong young women is very important to me. I dedicate hundreds of hours working with the Girl Scouts, The Salvation Army, coaching my girls’ basketball team, and volunteering at their school. In my free time, my husband Jason and I love taking our girls downhill skiing and spending time at our Northern Wisconsin cabin, fishing and water skiing.
I began my career in 1996 and joined Morgan Stanley in 2013 and now have more than 23 years of experience in developing comprehensive financial plans focusing on retirement and income planning strategies for affluent individuals and families. Over that time, I have guided many clients through a myriad of economic and market conditions.
Morgan Stanley’s core values of always do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back couldn’t be more aligned with my own. As a wife and mother of two young daughters, raising the next generation of strong young women is very important to me. I dedicate hundreds of hours working with the Girl Scouts, The Salvation Army, coaching my girls’ basketball team, and volunteering at their school. In my free time, my husband Jason and I love taking our girls downhill skiing and spending time at our Northern Wisconsin cabin, fishing and water skiing.
Securities Agent: AZ, CO, MA, WI, VI, TX, MD, WY, MO, MN, AK, NY, KY, CA, AL, UT, SC, LA, DC, CT, VA, PA, OR, NC, KS, MT, MI, IN, IL, GA, WA, TN, NJ, ID, HI, OH, NV, NM, NE, MS, IA, FL, DE; General Securities Representative; Investment Advisor Representative
About Patrick O. Rindfleisch
Patrick is a Senior Vice President, Financial Advisor and Alternative Investments Director, and Certified Private Wealth Advisor® with the Granite River Group at Morgan Stanley. Drawing on 25 years of experience, Patrick works closely with individuals and multi-generational families to build highly customized investment plans built on a foundation of Morgan Stanley’s global capabilities. His career highlights include a successful decade-long tenure as Branch Manager as well a current role on Morgan Stanley’s Regional Financial Advisor Council.
A proud alumnus of the University of Wisconsin – Madison, Patrick graduated with honors in Finance, Investment & Banking. He remains actively involved with his alma mater, particularly through internship and mentoring opportunities. In addition, Patrick enjoys supporting several local organizations geared toward environmental conservation.
Outside of work, Patrick enjoys life in Madison with his wife, Jennifer, their two daughters and three Labrador retrievers. They all love supporting Badger athletics and truly cherish spending time at their cottage in central Wisconsin.
A proud alumnus of the University of Wisconsin – Madison, Patrick graduated with honors in Finance, Investment & Banking. He remains actively involved with his alma mater, particularly through internship and mentoring opportunities. In addition, Patrick enjoys supporting several local organizations geared toward environmental conservation.
Outside of work, Patrick enjoys life in Madison with his wife, Jennifer, their two daughters and three Labrador retrievers. They all love supporting Badger athletics and truly cherish spending time at their cottage in central Wisconsin.
Securities Agent: TN, KY, VI, NM, LA, AZ, DE, OR, NV, GA, CT, WY, WA, VA, MS, MN, KS, ID, FL, AL, NE, MD, IN, HI, MI, RI, NC, MT, MO, MA, DC, AK, UT, IA, CO, CA, WI, OH, IL, TX, SC, PA, NY, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297717
NMLS#: 1297717
About Chadwick M. Schloesser
Chad Schloesser is a First Vice President, Financial Advisor and CERTIFIED FINANCIAL PLANNER™ with the Granite River Group at Morgan Stanley. In 2018, Chad joined Morgan Stanley bringing with him over ten years of private wealth management experience. Chad holds the Insurance Planning Director, Financial Planning Specialist and Chartered Retirement Planning Counselor (CRPC®) designations.
Prior to joining Morgan Stanley, Chad served for more than fifteen years in the U.S. Air Force and Air National Guard where he retired from service in 2014. His journeys in the U.S. Air Force have taken him around the world and during his travels Chad found that change is the only constant throughout the many aspects of life. As a Financial Advisor, Chad believes you must always be proactive in both your preparation and your communication with others. Working alongside his clients, Chad strives to enhance and simplify their complete financial picture. He draws on both his financial industry experience and military experiences, to develop comprehensive financial strategies which helps to empower his clients to make confident and informed decisions.
Chad has always been in the service to help others. Since becoming a Financial Advisor, Chad has developed many long lasting relationships that have grown to multiple generations. He has seen his clients through some of their most challenging times along with some of their greatest achievements. Chad endeavors to educate and guide every client on the various facets of their financial lives, and to be a pillar of support by providing outstanding service and resources.
Chad graduated from the University of Wisconsin – Eau Claire with a major in Finance. He lives in Madison, WI with his wife Jane, two sons, two dogs and cat, all of which are rescues. As a Wisconsin native, Chad enjoys numerous outdoor activities including running, camping, hunting, skiing and hiking. He is passionate about helping families who have children with special needs by sharing his experiences as a parent himself of a child on the spectrum. Chad spends much of his free time with his family to help make up for the time he served in the Air Force.
Prior to joining Morgan Stanley, Chad served for more than fifteen years in the U.S. Air Force and Air National Guard where he retired from service in 2014. His journeys in the U.S. Air Force have taken him around the world and during his travels Chad found that change is the only constant throughout the many aspects of life. As a Financial Advisor, Chad believes you must always be proactive in both your preparation and your communication with others. Working alongside his clients, Chad strives to enhance and simplify their complete financial picture. He draws on both his financial industry experience and military experiences, to develop comprehensive financial strategies which helps to empower his clients to make confident and informed decisions.
Chad has always been in the service to help others. Since becoming a Financial Advisor, Chad has developed many long lasting relationships that have grown to multiple generations. He has seen his clients through some of their most challenging times along with some of their greatest achievements. Chad endeavors to educate and guide every client on the various facets of their financial lives, and to be a pillar of support by providing outstanding service and resources.
Chad graduated from the University of Wisconsin – Eau Claire with a major in Finance. He lives in Madison, WI with his wife Jane, two sons, two dogs and cat, all of which are rescues. As a Wisconsin native, Chad enjoys numerous outdoor activities including running, camping, hunting, skiing and hiking. He is passionate about helping families who have children with special needs by sharing his experiences as a parent himself of a child on the spectrum. Chad spends much of his free time with his family to help make up for the time he served in the Air Force.
Securities Agent: MI, MD, IN, FL, CO, CA, AK, MT, IL, HI, AL, NV, NE, KY, WY, WI, UT, PA, NY, CT, VI, NJ, NC, IA, DE, WA, NM, OR, OH, MN, KS, AZ, TN, LA, TX, SC, MS, MO, MA, ID, DC, VA, GA; General Securities Representative; Investment Advisor Representative
About James R. Adamczyk
James “Jim” Adamczyk serves as a Registered Client Service Associate for the Granite River Group. Jim serves as the point person for most operational and administrative duties for the team. Specific areas of focus include processing client account documentation as well as assisting clients with asset transfers and money movement. He works closely with team members to provide a high level of customer care and prides himself on delivering exceptional service to our clients.
Jim began his career in the financial services industry in 2012 joining Morgan Stanley in 2014 and the Granite River Group in April 2020. He Holds the Series 7, 63, 65 and Life & Health Insurance licenses.
He graduated from the University of Iowa and resides in Madison, WI with his wife and two children. He looks forward to the summer months where he and his kids can swim every day. They also enjoy family hikes and visiting grandma and grandpa. Jim is also an avid Chicago sports fan despite many tough years.
Jim began his career in the financial services industry in 2012 joining Morgan Stanley in 2014 and the Granite River Group in April 2020. He Holds the Series 7, 63, 65 and Life & Health Insurance licenses.
He graduated from the University of Iowa and resides in Madison, WI with his wife and two children. He looks forward to the summer months where he and his kids can swim every day. They also enjoy family hikes and visiting grandma and grandpa. Jim is also an avid Chicago sports fan despite many tough years.
About Mandy Rochel
Her active lifestyle extends beyond her time competing in school; she enjoys golfing, hiking, paddle boarding, and bodybuilding. Being from Northern Minnesota, she strives to get outside as much as she can and loves making maple syrup with her family and fishing. Mandy has always had a love for writing poetry and published her first book in 2023 with her second one now well underway. She has two cats, Asparagus and Baked Beans, who keep her occupied in her little free time.
Mandy was selected as a Minneapolis Aquatennial Ambassador after graduating high school, where she volunteered for a year doing community outreach across the country and inspiring young women to become leaders in their own communities. She stays involved with the organization giving back as an alumna when she can. Mandy also loves writing workout programs for people wanting to get started in the gym, and has found helping others become disciplined and do things to improve their physical well-being very rewarding.
Mandy was selected as a Minneapolis Aquatennial Ambassador after graduating high school, where she volunteered for a year doing community outreach across the country and inspiring young women to become leaders in their own communities. She stays involved with the organization giving back as an alumna when she can. Mandy also loves writing workout programs for people wanting to get started in the gym, and has found helping others become disciplined and do things to improve their physical well-being very rewarding.
Wealth Management
From My Desk
How to Make Your Philanthropic Dollars Count
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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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 LaShell L. Lentz 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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
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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
12Morgan 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.
13Morgan 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.
14Alternative 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.
15Investing 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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
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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
12Morgan 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.
13Morgan 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.
14Alternative 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.
15Investing 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
