Our Story and Services

Through Morgan Stanley, our clients have access to a broad range of financial solutions. These solutions may include both the firm's product and service offerings, as well as those from third-party providers like insurance companies and mutual fund families. As your advisory team, we will work with you to identify appropriate investments that are specific to your individual needs and circumstances. Please contact our team to learn more about our areas of focus.Personal Retirement Planning We work with you to identify your individual retirement needs and create an action plan for achieving the retirement lifestyle you imagine.Planning Careful planning can be crucial to nearly any financial goal. Whether you want to comfortably retire, save for your children or grandchildren's college, or maximize the legacy you can leave your heirs, we will assist you with reviewing your situation and help determine appropriate strategies. Managed Accounts and Advisory Solutions With our Managed Accounts and Advisory Solutions, we will work with you to develop and monitor an individual portfolio that is tailored to your personal objectives. Our solutions provide customized portfolio construction and asset allocation, as well as professional portfolio management. You can select from a wide range of programs--each with their own unique features, and all based on the firm's consultative approach to investing.Investments, Cash Management and Lending We offer an array of solutions for both your near-term priorities and long-term objectives.Corporate and Business Solutions For sole proprietors, business owners and corporations--including their employees and key executives--we can provide access to a variety of retirement plans, corporate equity solutions, and business banking services to meet the needs of your organization.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Approach

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Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.

Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Integration of Tactical Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.

Our Core Values

Every member of The Legacy 11 Group is dedicated to meeting the needs of you and your family. We believe the diversity of our backgrounds and experiences enables us to deliver fresh ideas for today’s complex world. Working together, we are committed to these core values:
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    Nurturing Long-Term Relationships
    As a multigenerational team, we not only provide continuity, but a balance of perspectives to help you – and your entire family – make more informed, confident decisions. As your life evolves, we will be with you every step of the way.
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    “World Class Service in a World Class Way”
    Committed to a concierge service model, we focus on developing a relationship that provides special value to you and your family. Our goal is to offer advice and service before you need it and to respond to every request quickly and efficiently.
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    Serving as Your Personal CFO
    We provide a “one-stop” shop for all your financial needs. From asset management to retirement funding to philanthropy, we hope to be your first phone call for any financial or life decision.
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    Untangling Complexity Is Our Strength
    We believe the more complex your financial situation, the more valuable we are to you and the more rewarding your overall experience will be.
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    Optimizing Technology
    We have access to some of the most comprehensive wealth management tools available today to enables us to create tailored strategies for your particular goals and circumstances.
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    Size Matters
    We deliberately manage the growth of our practice to focus on a small number of clients so we can dedicate the time, attention and superior service each family deserves.

Digital Tools

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    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.
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    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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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.
    Learn More
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    Digital Vault
    Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
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    E-Delivery
    E-Delivery, allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
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    LifeView - Intelligent Planning
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
    Complete Questionnaire Here

Upcoming Firm Events

We hope you will join us for this upcoming event.

U.S. Policy Pulse: Trump 2.0 and the Markets

DATE: February 25, 2025 at 4:15 p.m. ET

Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.

CRC4192005 02/2025
Online

Location

1248 O Street
Ste 1100
Lincoln, NE 68508
US
Direct:
(402) 474-2400(402) 474-2400
Toll-Free:
(800) 323-2777(800) 323-2777

Meet Legacy 11 Group

About Forrest (Frosty) Anderson

Forrest (Frosty) Anderson grew up in East Lansing, Michigan watching his father coach the Spartan basketball program.  When the wins became harder to find in the early 60s, the family made the move to Scottsbluff, Nebraska.  While active in high school athletics, he also excelled in the classroom. Frosty made the honor roll every semester and was named to the National Honor Society both his junior and senior year. He was also president of the school’s academic Key Club in 1968.

Final college choices included Stanford and the Air Force Academy, but the lure of the Husker football program won out in the end.  Incredible team success made it a most fortunate choice as he was a participant on two National Championship teams during his career.  In addition to earning Academic All Big-8 and Academic All American honors at UNL, Frosty was named one of 11 scholar-athletes by the National Football Foundation and Hall of Fame as a senior.  He also served the University as co-chair of the student-rights committee, and was Treasurer of the Sigma Chi fraternity house.  He earned a bachelor’s degree in Business Administration in December 1973.

Upon entering the business world, he quickly learned the basics of banking at First National Bank of Lincoln while wedging in a short-lived pro-football stint with the New Orleans Saints.  In October 1976 he joined Dean Witter, Inc. as a financial advisor and a career in financial services was launched.  After accepting the additional responsibilities of Branch Manager in December 2009, Frosty attended the College for Financial Planning in 2011, completing the CFP Certification Professional Education Program.  Shortly thereafter, he earned the Certified Financial Planner™ designation in 2012.

Frosty is licensed Series 7/general securities, series 8/branch manager, options/debt, equities, and commodities.  He also has a producer’s license in Life and Health Insurance in Nebraska, Iowa, and Missouri.

Married to the former DeEtte Gifford of Fremont, Nebraska, they have two children, Giff and Emily, and 6 grandchildren. Frosty is a 20 year member of the Lincoln YMCA Youth Sports Committee of Management, serving as the Treasurer for the last 10 years.  He has now joined the Y’s Board of Directors, and is also a member of the University of Nebraska’s Letterwinner’s Club advisory board.  In 2015, he accompanied 20 UNL student athletes on a service project to Guatemala, helping an underprivileged school restore their playground.  Previous volunteer activities include running the Lincoln Youth Track Club from 1988 to 2009, Nebraska Association USATF Treasurer 2000-2011, and USATF Junior Olympic Regional Coordinator 1998-2007.  Frosty and DeEtte are supporters of Friends of the Lied in Lincoln, and Circles of Giving with the Omaha Performing Arts.  In addition to the theatre, they enjoy attending Husker athletic contests, youth sports activities of their grandkids, fishing, biking, and running.
Securities Agent: MI, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY, DE, MN, CT, DC, NH, VI, VT, WV, AK, AL, AR, AZ, CA, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253128

About Kenneth Koop

Ken Koop Jr. was born in Lexington, NE and raised in Omaha, NE.  He was very fortunate to be adopted by two wonderful people, Ken and Jeanine Koop.  Both of his parents were lifelong educators in the Omaha area.  Ken was introduced to financial planning at an early age when he was selected to participate in the first Academy of Finance in Omaha while in high school, where he earned college credits in finance from Bellevue University.  He then went on to study finance in Lincoln where he earned a B.A. with a concentration in Finance from The University of Nebraska Lincoln, College of Business.

While attending UNL, Ken was accepted into an internship program at Shearson Lehman American Express.  After graduation in 1995, Ken accepted a fulltime position as a financial advisor and continued to learn and grow, becoming a Vice President, a Financial Planning Specialist, and a Guided Portfolio Manager.  In 2000, Ken completed the Certified Financial Planner™ designation from the College of Financial Planning in Denver, CO.  He also currently holds the Chartered Retirement Plan Specialist SM designation.

Ken is licensed under  Financial Industry Regulatory Authority (FINRA) Series 7, Series 65, and Series 31 and holds a Life and Health Insurance Producers license in Nebraska.

Ken currently lives in Lincoln with his wife, Liz Saunders Koop, who is the President and CEO of EducationQuest Foundation.  In their free time, they enjoy spending time with their children, Christopher and Caitlin; running, playing golf, reading, and attending sporting events.  Ken is active in the community through several  non-profit organizations including the Rotary Club #14, Nebraska Children’s Home, Westminster Presbyterian Church, LUX Art Center, Lincoln Foundation for Lincoln City Libraries, MEDICI – Serving the University Art Department and the University of Nebraska Foundation.
Securities Agent: AL, GA, MS, CA, AR, AZ, WY, PA, OR, NM, MA, WA, SC, NV, ND, KY, KS, IL, HI, FL, SD, NY, MN, MO, MI, IA, WI, OK, NE, NC, IN, TX, OH, MD, CO, UT, VA, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268477

About Jani Martinez

Jani Martinez was born in Mexico and raised in Lincoln, NE. Wanting to expand her network she became active in her community by volunteering and sitting on committees for several non-profit organizations at a very young age. While excelling in academics Jani also enjoyed extracurricular activities including student government, national honor society, music, and debate.

Earning her bachelor’s degree in Political Science, Jani entered the financial industry joining Wells Fargo as an undergraduate student. She excelled in her role as a private banker working with individual clients and successful start-up businesses.  Upon leaving Wells Fargo, Jani took her banking expertise to Morgan Stanley and joined the Koop Group in January 2016. Jani is licensed under Financial Industry Regulatory Authority (FINRA) Series 7 and Series 66, and holds a Life and Health Insurance Producers license in Nebraska.

Jani is a proud alumni member of the University of Nebraska-Lincoln Cornhusker Marching Band and active member for her sorority, Zeta Phi Beta. She currently sits on the Latin American Commission overseeing the annual Hispanic Month State Commemoration, volunteers for the Rev. Dr. Martin Luther King Jr. Youth Rally and March, Leadership Lincoln, and coaches high school Public Forum Debate.

During her spare time Jani enjoys spending time with her family and keeping track of her 6, soon to be 7, nieces and nephews. She relaxes by playing the piano and going on short 10-mile runs. Jani’s idea of fun involves salsa dancing, travelling, eating, and meeting new people.
Securities Agent: NV, AR, MS, VA, MO, GA, WA, PA, NM, MA, IN, CO, WI, UT, NY, NC, KS, SD, MN, KY, AZ, AL, OK, ND, MD, OR, TX, IA, FL, CA, OH, NE, IL, WY, SC, MT, MI, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1257752

About Connor Vandewege

Connor Vandewege has been with the Legacy 11 Group since August of 2021. He is a lifetime Lincolnite, graduating from Lincoln East High School and Nebraska Wesleyan University. While at NWU, Connor was a captain of the Men’s Golf Team, now joining his father, Corey, his mother, Shannon, and sister, Makinzie as former Prairie Wolf / Plainsman Student-Athletes.

Connor graduated with distinction, earning his Bachelor’s in Business Administration with a focus in Finance. He holds his Series 7 and Series 66 licenses.

Outside of the office, Connor enjoys playing new golf courses, supporting Husker Athletics, staying active, and spending time with friends and family.
Securities Agent: DC, WI, HI, WY, RI, PR, NM, MO, MD, FL, ME, WV, PA, OH, NE, MI, AZ, VA, TN, NH, NC, MS, MN, CO, UT, TX, SC, OR, MA, LA, GA, DE, VI, MT, KS, IN, IA, AL, SD, OK, NY, CA, AR, WA, NV, NJ, ND, KY, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2535701

About Debbie Carey

Debbie Carey's main focus is assisting in operational efforts. She joined The Koop Group in 2016 to enhance the client service experience for the team. She has been in the financial services industry since 1997, obtaining her securities license in 2001. Debbie grew up in the Dallas, Texas area and lived in Kansas City before moving to Lincoln in 2015. She enjoys being involved at her church, volunteering and spending time with her 3 Grandchildren, 2 Daughters, Son in Law and her dog.
Wealth Management
From Our Team

You Work Hard, Make Your 401(k) Plan Work Harder


Wealth Management
Global Investment Office

Portfolio Insights

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Tax-Smart Strategies for Your Retirement
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Tax-Smart Strategies for Your Retirement

Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.

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
5 Ways to Spring Clean Your Finances
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5 Ways to Spring Clean Your Finances

A lot can pile up over a year, or just a season. Here are five tips to help you tidy up, declutter and organize your finances this spring.

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

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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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Mosaic

Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
Take a Hike
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Take a Hike

The How-to, Where-to, and What-to-Wear of Putting One Foot in Front of the Other.
Ready to start a conversation? Contact Legacy 11 Group today.
Market Information Delayed 20 Minutes
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1When 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.

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2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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3Morgan 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.

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4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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7Morgan 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.

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8Morgan 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.

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9When 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.

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10Morgan 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

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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)