Darrell G Henricksen, CFP®
Executive Director, Financial Advisor, Senior Portfolio Manager
Milestone Wealth Management at Morgan Stanley
Direct:
(563) 344-4386(563) 344-4386
Toll-Free:
(800) 553-1871(800) 553-1871
Our Mission Statement
The Power to Grow. The Strength to Preserve. The Confidence to Relax.
Our Story
Helping to grow and preserve wealth and mitigate financial risk isn't just about knowing the numbers, it's about knowing you. Whether you’re a busy executive, retiree, or business owner, our goal is to earn your trust and confidence not only through the quality of investment solutions we present to you, but also through the excellence with which we deliver them.
As your team of Financial Advisors, we help you develop a strategy that lays out a path to your goals, knowing you are making informed, confident decisions in the face of today’s complex financial markets. We utilize “The Milestone Method” planning process to design and implement solutions to empower you to achieve and maintain financial success.
Each member of our team offers advice that extends far beyond investing, to every aspect of your finances. Our diverse, comprehensive and complementary backgrounds in portfolio management, financial analysis, and planning strategies, along with our commitment to client service, have resulted in deeply rewarding, long-term relationships with our clients.
2024 Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
As your team of Financial Advisors, we help you develop a strategy that lays out a path to your goals, knowing you are making informed, confident decisions in the face of today’s complex financial markets. We utilize “The Milestone Method” planning process to design and implement solutions to empower you to achieve and maintain financial success.
Each member of our team offers advice that extends far beyond investing, to every aspect of your finances. Our diverse, comprehensive and complementary backgrounds in portfolio management, financial analysis, and planning strategies, along with our commitment to client service, have resulted in deeply rewarding, long-term relationships with our clients.
2024 Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Business Succession PlanningFootnote4
- Executive Financial ServicesFootnote5
- Endowments and FoundationsFootnote6
- Philanthropic ManagementFootnote7
- Professional Portfolio ManagementFootnote8
- Alternative InvestmentsFootnote9
- Structured ProductsFootnote10
- Cash Management and Lending ProductsFootnote11
- Life InsuranceFootnote12
- AnnuitiesFootnote13
- Long Term Care InsuranceFootnote14
- Qualified Retirement PlansFootnote15
- 529 PlansFootnote16
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS, YOUR JOURNEY
Our comprehensive process focuses on you, your family and your future – where you are today and where you want to go. Working together, we 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
We begin with an informal conversation to understand your financial concerns and determine how we can add value. Should we agree to move forward, we schedule a Discovery Meeting and request copies of important financial documents so we can review them in advance of our meeting.
2. Discovery Meeting
In this in-depth discussion, we learn about the values that shape your decisions and identify any special circumstances in your life. Our priority is to really get to know you – your goals, your needs, and your challenges – so we have all the necessary information to create a comprehensive and customized Wealth Management Plan.
3. Analysis and Assessment
Here, we utilize proprietary financial planning tools to meticulously analyze and assess your current financial situation. We 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, we 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. Plan Implementation
Upon your approval, we begin the disciplined process of executing your plan and opening accounts for you at Morgan Stanley. We often collaborate with specialized professionals in key areas, as well as your CPA and estate attorney to help ensure a cohesive implementation.
6. Ongoing Service and Care
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We set up regular calls and meetings to provide updates and keep your plan on track towards achieving your goals.
Our Suite of Services
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Retirement Planning
This is paramount in ensuring a successful retirement. We bring intense focus on this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamed of.
401(k) Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can ensure that there is no risky overlap or concentration insecurities. We can make taking required minimum distributions easier. You also have the full suite of an open platform from which to choose investments from.
Corporate Retirement Plans
We work with companies to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table to take this burden off of you.
Business Succession Planning
A lot of thought and planning go into a successful succession strategy. We can help you navigate the requirements of working with other professionals in addition to us to achieve the results you want.
Asset Management
Based on your goals, assets and input, we create an investment strategy tailored to your unique needs.
Tax-Efficient Planning
We discuss steps to minimize the impact of taxes on your retirement portfolio, tax-efficient investing techniques, and tax-aware ways to make your giving go further.
Comprehensive Financial Planning
Helping preserve wealth and mitigate financial risk isn't just about knowing the numbers, it's about knowing you. Our comprehensive financial planning offers a wealth management strategy as individual as you are.
LifeView - Intelligent Planning
This suite of planning tools integrates the various aspects of your financial situation to provide a goals-specific analysis that we translate into your strategic financial plan. Not only does LifeView account for your investments and cash management needs, but it can also demonstrate complex planning strategies such as methods of stock option exercise and estate planning solutions.
Click Here to View a Sample LifeView Financial Plan
Spending and Budgeting Tool
Manage your budget and cash flow with Morgan Stanley’s Spending and Budgeting Tool. This tool allows you to link both internal and external accounts through MSO, so you and your advisor can better understand your cash flow and spending patterns. This understanding, combined with the tool’s income and expensive analysis, can better position you to achieve your goals.
Start Using the Tool Today
Retirement
Leading up to and throughout your retirement, we will work together to identify the most appropriate ways to fulfill your cash management needs. We evaluate various sources of retirement income such as Social Security and retirement distributions in developing a personalized income strategy to support your retirement goals and maximize tax efficiency.
Intelligent Withdrawals
We will review your portfolio holistically to coordinate liquidation in an effort to reduce the impact of taxes. We utilize sophisticated technology to cross-reference different accounts and products to identify the best strategy for you and potentially improve your investment results.
Insurance
As we review your financial goals, needs, and circumstances, we will decipher what type(s) of insurance makes sense for you and decide if your current policies are in your best interests.
ROTH Conversions
IRA owners can choose to move pre-tax IRA assets into a ROTH IRA via a ROTH conversion. Our team can help clients with a ROTH conversion strategy to help maximize their legacy and take advantage of tax-free qualified distributions of earnings in the future.
Client Resources
Total Wealth View
Total Wealth View allows you to conveniently view your complete financial picture. By linking your account(s) at other financial institutions through Morgan Stanley Online, you will receive more informed wealth planning and secure data access.
Watch This Video To Learn More
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
Portfolio Risk Platform
Aladdin is a cutting-edge risk management platform that offers comprehensive risk estimation and reporting across a broad range of asset allocations. Combined with the utilization of Total Wealth View, Aladdin provides a sophisticated view of your portfolio's potential.
Watch This Video To Learn More
Liquidity Access Line
Use eligible securities in your investment account(s) as collateral for a line of credit that we call a Liquidity Access Line (LAL). This line of credit can help you with a variety of financing needs, such as real estate purchases, tax obligations, business expenses, and more.
Watch This Video To Learn More
Thoughts On The Market Podcast
Top executives at Morgan Stanley offer their insights on market trends and related events in brief episodes. Listen daily to keep up with the markets.
Click Here To Listen Or Subscribe
GIC Weekly Research Report
Morgan Stanley Chief Investment Officer Lisa Shalett shares a weekly report summarizing timely observations on investors and the markets.
Click Here To Read This Week's ReportLocation
4300 East 53rd St
Ste 300
Davenport, IA 52807
US
Direct:
(563) 344-4386(563) 344-4386
Toll-Free:
(800) 553-1871(800) 553-1871
Meet Milestone Wealth Management
Amanda Moorman, CFA
Senior Vice President, Financial Advisor
Maddie Henricksen
Registered Client Service Associate
Phone:
(563) 344-4386(563) 344-4386
Chad Kraklio
Registered Client Service Associate
Phone:
(563) 344-4320(563) 344-4320
About Darrell G Henricksen
Darrell Henricksen, CFP®, is a CERTIFIED FINANCIAL PLANNER with over 20 years of experience in the investment industry, Darrell works with clients on all aspects of financial planning, providing services that include fee-based financial planning, risk management, wealth accumulation and distribution strategies.
After earning a Bachelor of Science degree in Finance from the University of Iowa, Darrell became a financial analyst with boutique investment bank, Kasten Group, in St. Louis. He moved back to Iowa in 1996, joining Merrill Lynch, and working with Chris Agnew as Financial Advisors. Gary Hewitt joined their group in 2006, and most recently Clint Allaman and they formed the strong team of Agnew Henricksen Hewitt Allaman & Associates.
Darrell completed the rigorous academic requirements to obtain the significant designation of CERTIFIED FINANCIAL PLANNERTM (CFP®) in 2012. The CFP® designation recognizes a combination of substantial practical financial planning experience, the completion of a comprehensive and educational program, and the demonstration of real-world applications of the core competencies.
With his background in financial analysis, financial planning, and retirement planning, Darrell is able to provide individuals and families with a high level of custom financial solutions to help preserve and protect their assets. He keeps a watchful eye on today’s fast-paced markets, counseling his clients not to get caught up in the volatility and ensuring that their investment choices match their risk tolerances. His skills and experience help clients navigate through the maze of complex financial issues that are unique to retirement and life transitions.
Married for over twenty years, Darrell and his wife, Susan, have three children. He is active in his church, providing congregational care by serving in multiple leadership roles. He and his wife Susan are very involved with Lydia Home Association and Safe Families for Children (SFFC), an organization which offers sanctuary to thousands of children, minimizing the risk for abuse or neglect and giving parents the time and tools they need to help their families thrive. Through SFFC, Darrell and his family open their home many times throughout the year to offer a safe haven to children.
After earning a Bachelor of Science degree in Finance from the University of Iowa, Darrell became a financial analyst with boutique investment bank, Kasten Group, in St. Louis. He moved back to Iowa in 1996, joining Merrill Lynch, and working with Chris Agnew as Financial Advisors. Gary Hewitt joined their group in 2006, and most recently Clint Allaman and they formed the strong team of Agnew Henricksen Hewitt Allaman & Associates.
Darrell completed the rigorous academic requirements to obtain the significant designation of CERTIFIED FINANCIAL PLANNERTM (CFP®) in 2012. The CFP® designation recognizes a combination of substantial practical financial planning experience, the completion of a comprehensive and educational program, and the demonstration of real-world applications of the core competencies.
With his background in financial analysis, financial planning, and retirement planning, Darrell is able to provide individuals and families with a high level of custom financial solutions to help preserve and protect their assets. He keeps a watchful eye on today’s fast-paced markets, counseling his clients not to get caught up in the volatility and ensuring that their investment choices match their risk tolerances. His skills and experience help clients navigate through the maze of complex financial issues that are unique to retirement and life transitions.
Married for over twenty years, Darrell and his wife, Susan, have three children. He is active in his church, providing congregational care by serving in multiple leadership roles. He and his wife Susan are very involved with Lydia Home Association and Safe Families for Children (SFFC), an organization which offers sanctuary to thousands of children, minimizing the risk for abuse or neglect and giving parents the time and tools they need to help their families thrive. Through SFFC, Darrell and his family open their home many times throughout the year to offer a safe haven to children.
Securities Agent: NC, OH, IN, MD, HI, AL, WY, WA, VA, UT, NY, MI, CA, NV, MO, MA, KS, CT, TN, NE, IL, IA, FL, DE, WI, MT, MS, GA, MN, CO, AZ, TX, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 510926
NMLS#: 510926
About Amanda Moorman
Amanda Moorman, CFA and Financial Advisor at Milestone Wealth Management, works diligently to assess her clients’ objectives and investment risk. Amanda cares about her clients and takes a deep dive approach to understanding their financial and personal goals, so she can provide customized, comprehensive planning solutions.
Amanda joined Milestone Wealth Management in 2016 and works in the downtown Des Moines office. Prior to joining Morgan Stanley Wealth Management, Amanda worked as a Financial Analyst for John Deere for 7 years. She held various corporate finance roles in Kansas City, Moline, IL, and Johnston, IA, working with debt, derivatives, and insurance.
Amanda’s decision to become a Financial Advisor came from her passion for helping families manage and preserve their wealth, as well as her understanding of financial markets and economics. Amanda received a Finance degree from Wartburg College in 2009. She received an MBA in Finance and Economics from the University of Chicago: Booth School of Business in 2014. She obtained her Chartered Financial Analyst™ (CFA®) designation in 2022.
Amanda moved to Ames, IA in 2014 when her husband, Justin, started work at Moorman Clothiers. She divides her time between the Morgan Stanley branches in West Des Moines, IA and Davenport, IA. Justin and Amanda were married in 2009 and have a son, Jackson and a daughter, Allison. Amanda is active in her community and faith, and enjoys spending time with her family in the Northwoods of Wisconsin.
Amanda joined Milestone Wealth Management in 2016 and works in the downtown Des Moines office. Prior to joining Morgan Stanley Wealth Management, Amanda worked as a Financial Analyst for John Deere for 7 years. She held various corporate finance roles in Kansas City, Moline, IL, and Johnston, IA, working with debt, derivatives, and insurance.
Amanda’s decision to become a Financial Advisor came from her passion for helping families manage and preserve their wealth, as well as her understanding of financial markets and economics. Amanda received a Finance degree from Wartburg College in 2009. She received an MBA in Finance and Economics from the University of Chicago: Booth School of Business in 2014. She obtained her Chartered Financial Analyst™ (CFA®) designation in 2022.
Amanda moved to Ames, IA in 2014 when her husband, Justin, started work at Moorman Clothiers. She divides her time between the Morgan Stanley branches in West Des Moines, IA and Davenport, IA. Justin and Amanda were married in 2009 and have a son, Jackson and a daughter, Allison. Amanda is active in her community and faith, and enjoys spending time with her family in the Northwoods of Wisconsin.
Securities Agent: TX, OK, NE, CO, WI, TN, NV, IL, ID, CT, VA, MS, AZ, NY, NC, MO, MI, CA, AL, DE, WA, MT, MD, IN, OH, KS, FL, WY, UT, MN, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1622260
NMLS#: 1622260
About Maddie Henricksen
Maddie Henricksen joined Milestone Wealth Management in 2021 after working for a church as a part of the Finance Team and as the Operations Manager at a mental health counseling center. Prior to that, she grew up observing Darrell’s passion for his work, which made her excited to get started in the finance world too. She went on to earn her degree from Iowa State University in Accounting and Spanish.
Like the advisors at Milestone Wealth Management, Maddie’s top priority is her relationships with clients. She aims to simplify their lives through problem solving and clear communication. She will always keep clients’ best interests in mind.
Outside of work, Maddie enjoys reading, the outdoors, and baking new, innovative recipes. She remains involved with her church in leading women’s bible study and contributing to the Kitchen Ministry where she makes use of her baking skills to provide for others.
Like the advisors at Milestone Wealth Management, Maddie’s top priority is her relationships with clients. She aims to simplify their lives through problem solving and clear communication. She will always keep clients’ best interests in mind.
Outside of work, Maddie enjoys reading, the outdoors, and baking new, innovative recipes. She remains involved with her church in leading women’s bible study and contributing to the Kitchen Ministry where she makes use of her baking skills to provide for others.
About Chad Kraklio
Chad is the newest addition to our team. He joined as a Client Service Associate in July of 2024 after spending almost a decade in manufacturing and technology sales. He holds a master’s degree in education from Ashford University and a bachelor’s degree in exercise science from Central College (IA). Chad brings a wealth of diverse knowledge to Milestone Wealth Management, which equips him to anticipate client needs and provide valuable support in managing their wealth.
Chad resides in Bettendorf, IA, with his wife and two sons. Active in their local community, they serve in various capacities in their church and cherish time spent with extended family and friends.
Chad resides in Bettendorf, IA, with his wife and two sons. Active in their local community, they serve in various capacities in their church and cherish time spent with extended family and friends.
Securities Agent: DE, NM, MN, FL, CO, PA, OH, AR, OK, NE, NC, KS, IA, UT, TN, MA, IN, CA, AL, TX, HI, CT, VA, MT, MI, ME, IL, WI, NY, NV, MS, MD, AZ, WY, WA, SD, MO; General Securities Representative; Investment Advisor Representative
Contact Darrell G Henricksen
Contact Amanda Moorman
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
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Milestone Wealth Management today.
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.
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.
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 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Alternative 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.
10Structured 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.
11Morgan 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
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When 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.
16Investors 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.
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
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.
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 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Alternative 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.
10Structured 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.
11Morgan 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
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When 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.
16Investors 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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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.
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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.
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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)
