Maegen A. Wallum
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(605) 399-3106(605) 399-3106
Maegen A. Wallum
Senior Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(605) 399-3106(605) 399-3106
My Mission Statement
My goal is to provide each of you and your family financial confidence. I will help simplify your financial road and decisions through personalized and objective advice that takes into account unexpected events and life pivoting moments.
A Client Focused Practice
Maegen Wallum is a Senior Vice President and Financial Advisor. She has been with Morgan Stanley since August of 2015 focusing on financial planning for individual and business clients. She believes the key to achieving financial success begins with a comprehensive financial strategy. She focuses on understanding what is most important to you and your family, where you want to be and then formulates a custom strategy that will help guide you to your goals.
Maegen is a graduate of the University of Wyoming with a Bachelor of Science in Business Administration and a minor in Spanish. Prior to joining the team, she worked in the banking and mortgage industry for JPMorgan Chase in Colorado Springs, Colorado and Wells Fargo in Denver, Colorado for a total of 11 years.
Maegen has 4 adopted children through the South Dakota Department of Social Services. She currently serves on the board of directors for Black Hills Area Community Foundation. She is also a member of Fountain Springs Church. In her spare time she enjoys attending her kids’ activities, snowboarding, boating, camping and hiking in the Black Hills.
Maegen is a graduate of the University of Wyoming with a Bachelor of Science in Business Administration and a minor in Spanish. Prior to joining the team, she worked in the banking and mortgage industry for JPMorgan Chase in Colorado Springs, Colorado and Wells Fargo in Denver, Colorado for a total of 11 years.
Maegen has 4 adopted children through the South Dakota Department of Social Services. She currently serves on the board of directors for Black Hills Area Community Foundation. She is also a member of Fountain Springs Church. In her spare time she enjoys attending her kids’ activities, snowboarding, boating, camping and hiking in the Black Hills.
Services Include
- Financial PlanningFootnote1
- Divorce Financial AnalysisFootnote2
- 401(k) Rollovers
- Life InsuranceFootnote3
- Long Term Care InsuranceFootnote4
- AnnuitiesFootnote5
- 529 PlansFootnote6
- Business Succession PlanningFootnote7
- Alternative InvestmentsFootnote8
- Fixed IncomeFootnote9
- CommoditiesFootnote10
- Structured ProductsFootnote11
- Certificates of DepositFootnote12
- Corporate BondsFootnote13
- Cash Management and Lending ProductsFootnote14
Securities Agent: ID, WA, OH, AZ, WI, SD, NC, MN, MD, HI, NM, WY, UT, MT, CO, CA, VA, ND, GA, AL, NV, TN, NE, FL, TX, OR, NY, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 693403
NMLS#: 693403
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHAT ARE YOUR HOPES AND DREAMS?
My approach to wealth planning focuses on what is most meaningful to you. Whether meeting with you for the first time or reviewing your progress and life goals, this is our priority.
Leveraging our vast resources—including intellectual capital, experience and dedicated personal service—I can work with you to create a personalized wealth strategy. My 4-step approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.
Leveraging our vast resources—including intellectual capital, experience and dedicated personal service—I can work with you to create a personalized wealth strategy. My 4-step approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.
Discover
Our relationship begins with a thorough understanding of you – your needs, lifestyle, family, what you hope to achieve and what you fear may be standing in your way. Investing this time to learn about you; your assets and liabilities and the risk exposures enables me to formulate strategies and customize a holistic plan tailored to your needs. I will also work with your tax and legal advisors to help analyze your income and estate tax circumstances, in order to identify and tailor planning techniques that may be used to address your objectives.
Advise
Once I’ve gained an in-depth understanding of your goals and entire financial situation, I will work with you to develop a roadmap to help you achieve and protect the outcomes you envision. Your customized asset allocation reflects risk, opportunities, and taxation across multiple entities, while integrating your investing and estate plans.
Implement
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform. With the support of Morgan Stanley’s full suite of resources, I can help you implement investment, retirement, trust services, lending, cash management and insurance solutions suited to your needs.
Tracking Your Progress
Working to achieve your goals requires vigilance and flexibility. In coordination with your other advisors, I can conduct ongoing reviews to help you monitor your progress and adjust as life evolves, markets and tax laws shift, and priorities change. Short-term adjustments seek to capitalize on temporary market distortions. Before making any adjustments, we analyze the impact of taxes and trading costs on potential returns.
YOUR GOALS AND CONCERNS CHANGE AS LIFE CHANGES
One of my goals is to help my clients navigate the different stages of life: from early-to-mid career, late career and in retirement. I am passionate about guiding you through building your wealth, planning for your future, and creating a thoughtful wealth legacy for your family. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
How to Financially Prepare for a Baby
As a new parent, you’ll receive no shortage of advice about how to prepare and care for your little one. While you ultimately know what’s best for your family, you may find comfort in learning the best practices that have helped other parents on their journey. This can be especially true when it comes to the financial aspects of welcoming and raising a child. Here's some common dos and don’ts to help you navigate this important time.
5 Financial Do's and Don'ts for New Parents
Marriage
There’s little more exciting than choosing to align your life with the person you love. Of course, there are conversations you’ll want to have with your partner before tying the knot. To avoid disagreements and finance-related pitfalls down the road, one of the most important ones is about money – how you’ll make it, how you’ll save it, how you’ll spend it and how you’ll invest it.
6 Money Questions to Ask Your Partner Before You Commit
Divorce
Divorce can be a lengthy process fraught with both financial and emotional strain as you make important decisions with significant long-term consequences under stressful conditions. But having the right advisors can help you make it through the process and avoid these six common mistakes.
Money and Divorce: 6 Financial Mistakes to Avoid
Business Owners
Monetizing a privately held company requires seamless coordination of your personal wealth management and business monetization strategies. At Morgan Stanley Private Wealth Management, your Private Wealth Advisor can assist you at each stage of the process, highlighting key decisions, deadlines and milestones.
Tailored Solutions for Your Unique Needs
Caring For Aging Parents
I can assist with preparing for future care and protecting what your parents have dedicated their lives to build. There will come a time when your parents need your help. I have helped my clients identify the signs and the required steps for supporting their aging family members. Learn how to start the dialogue with your family.
How to Break the Ice Around Family Finances
Comprehensive Family Financial Planning
I will guide you through your estate planning strategy: coordinating with your estate and tax professionals and helping you to make informed and confident decisions in this critical process.
Estate Planning Essentials: 7 Key Steps
Protect Your Retirement Savings
It is important to take steps to minimize your financial exposure to uncovered medical costs, potentially including long-term care expenses.
Consider the rising costs of healthcare
Tax-Smart Ways to Diversify Your Portfolio
Having a concentrated holding in your portfolio may lead to great wealth but could also lead to outsized losses. Fortunately, there are strategies that can help you successfully diversify out of a concentrated position in a tax-smart way.
Learn tax-smart ways to diversifyValuable Client Resources
I believe financial education leads to better insights into our investment strategy and discipline, and potentially, better long-term decisions. As a result, I am committed to providing you with important information about managing your wealth more effectively in today’s global markets.
I have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. Provided are links to these materials, where available, and I hope you’ll return often to learn more about the topics that impact your overall wealth.
I have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. Provided are links to these materials, where available, and I hope you’ll return often to learn more about the topics that impact your overall wealth.
February 2025 Newsletter
Read the latest edition of my financial newsletter, with helpful seasonal tips, market updates, and more!
Read Newsletter Here
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check out the latest episode
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 from Online Security Center
2025 Federal Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal Tax Tables
Lessons in Leadership
Morgan Stanley frequently invites influential figures in the sports, music, and entertainment industries to give talks regarding their careers and experiences with leadership.
Register for the next presentationModern Wealth Management
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative InvestmentsLocation
909 St Joseph St
6th Fl
Rapid City, SD 57701
US
Direct:
(605) 399-3106(605) 399-3106
909 St. Joseph St.
6th Floor
Rapid City, SD 57701
US
Direct:
(605) 399-3106(605) 399-3106
Meet My Team
Lori Neisent
Senior Registered Client Service Associate
Phone:
(605) 399-3105(605) 399-3105
About Maegen A. Wallum
Maegen is a Senior Vice President and Financial Advisor. She has been with Morgan Stanley since August of 2015 focusing on financial planning for individual and business clients. She believes the key to achieving financial success begins with a comprehensive financial strategy. She focuses on understanding what is most important to you and your family, where you want to be and then formulates a custom strategy that will help guide you to your goals.
Maegen is a graduate of the University of Wyoming with a Bachelor of Science in Business Administration and a minor in Spanish. Prior to joining the team, she worked in the banking and mortgage industry for JPMorgan Chase in Colorado Springs, Colorado and Wells Fargo in Denver, Colorado for a total of 11 years.
Maegen has 4 adopted children through the South Dakota Department of Social Services. She is a member of Fountain Springs Church. In her spare time she enjoys attending their kids’ activities, snowboarding, boating, camping and hiking in the Black Hills.
Maegen is a graduate of the University of Wyoming with a Bachelor of Science in Business Administration and a minor in Spanish. Prior to joining the team, she worked in the banking and mortgage industry for JPMorgan Chase in Colorado Springs, Colorado and Wells Fargo in Denver, Colorado for a total of 11 years.
Maegen has 4 adopted children through the South Dakota Department of Social Services. She is a member of Fountain Springs Church. In her spare time she enjoys attending their kids’ activities, snowboarding, boating, camping and hiking in the Black Hills.
Securities Agent: ID, WA, OH, AZ, WI, SD, NC, MN, MD, HI, NM, WY, UT, MT, CO, CA, VA, ND, GA, AL, NV, TN, NE, FL, TX, OR, NY, IA; General Securities Representative; Investment Advisor Representative
About Lori Neisent
Lori Neisent is a Senior Registered Associate in the Rapid City, South Dakota office, where she plays a key role for Maegen Wallum. Lori provides administrative support and directs the group’s client service, correspondence an document processing operations. With more than 40 years in the financial industry, she has a wealth of knowledge and takes pride in providing personalized service and detail-oriented solutions for clients. In her free time, Lori enjoys gardening and spending time with her family.
Wealth Management
Global Investment Office
Portfolio Insights
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Maegen A. Wallum today.
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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors 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.
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.
8Alternative 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
11Structured 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.
12Investors 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.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors 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.
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.
8Alternative 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
11Structured 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.
12Investors 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.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Morgan 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
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)