Nathan J Huveldt, CFP®, CIMA®
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director,
Alternative Investments Director,
Family Wealth Advisor,
Investment Management Consultant
My Mission Statement
Applying my experience, knowledge, work ethic and financial skillset to be the Financial Advisor affluent investors and families turn to for customized long-term wealth solutions and multi-generational legacy planning.
Leveraging my experience to help You
I am a firm believer that experiences are what drive people to become who they are, the values they hold, and often the financial decisions they make. Raised in central New York, my upbringing was heavily influenced by grandparents who owned a farm and taught me the value of hard work, doing business with integrity, loyalty, and putting others needs ahead of mine. Unfortunately, I also learned how tragedy can lead to financial hardship as my grandparents’ home and farm burned down and their land was eventually sold. Wanting to apply lessons learned from my family history is what aspired me to pursue a career in the capital markets with a focus on family and financial planning.
Using this aspiration throughout college at the University of Illinois at Urbana-Champaign, I focused my studies on finance and portfolio management. Upon graduation, I joined Morgan Stanley as one their Financial Advisor’s in Chicago and over the past 25 years I have continued to expand my financial skillset by becoming one of a select group of Financial Advisors to earn both the CERTIFIED FINANCIAL PLANNER® (CFP®) and Certified Investment Management Analyst ® (CIMA®) designations. Maintaining these designations demonstrate my ability to offer you customized wealth planning, institutional level investment advice, and adherence to a strict set of ethical requirements beyond industry standard. Additionally, Morgan Stanley has awarded me with numerous titles that reflect the commitment I’ve made to my clients as well as my contributions to the success of the firm.
What you can expect as a client is a long term relationship built on trust and confidence that I will use my experience, knowledge, work ethic and deep discovery process to craft a personalized wealth plan designed to address your unique circumstances to grow, protect, and preserve your financial assets.
Using this aspiration throughout college at the University of Illinois at Urbana-Champaign, I focused my studies on finance and portfolio management. Upon graduation, I joined Morgan Stanley as one their Financial Advisor’s in Chicago and over the past 25 years I have continued to expand my financial skillset by becoming one of a select group of Financial Advisors to earn both the CERTIFIED FINANCIAL PLANNER® (CFP®) and Certified Investment Management Analyst ® (CIMA®) designations. Maintaining these designations demonstrate my ability to offer you customized wealth planning, institutional level investment advice, and adherence to a strict set of ethical requirements beyond industry standard. Additionally, Morgan Stanley has awarded me with numerous titles that reflect the commitment I’ve made to my clients as well as my contributions to the success of the firm.
What you can expect as a client is a long term relationship built on trust and confidence that I will use my experience, knowledge, work ethic and deep discovery process to craft a personalized wealth plan designed to address your unique circumstances to grow, protect, and preserve your financial assets.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Executive Financial ServicesFootnote4
- Business Succession PlanningFootnote5
- Life InsuranceFootnote6
- Planning for Education FundingFootnote7
- Estate Planning StrategiesFootnote8
- Trust ServicesFootnote9
- Cash Management and Lending ProductsFootnote10
- Endowments and FoundationsFootnote11
- Corporate Investment SolutionsFootnote12
Securities Agent: WY, WI, WA, VA, UT, TX, PA, OR, MD, OH, NY, NV, NJ, NC, MT, MO, MI, ME, MA, IN, IL, ID, GA, FL, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278671
NMLS#: 1278671
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Goals-Based Holistic Approach to Wealth Management
My results-driven process begins by taking a 360-degree view of your wealth by asking questions about the values that shape your decisions and the vision you have for your future. Once we identify your most important goals, determine if you have a gap or surplus to achieve your financial targets, and prioritize your needs, I then develop integrated solutions to help empower you to achieve and maintain financial success. So while we may spend a good deal of time early on discussing investment and planning concepts, I will frequently share my capital markets perspectives and experience so you will fully understand the reasons for the recommendations I offer.
Personal Review
Before I can advise you, I must first understand you and your goals. I guide you through a detailed conversation to identify your objectives, time horizon, tolerance for risk and other considerations that may play an important role in shaping your investment strategy.
Asset Allocation and Portfolio Planning
Your input drives the development of a personalized financial strategy. Designed to help meet your specific goals, it addresses such areas as retirement, estate planning and tax minimization strategies. When my analysis is complete, I will present an investment strategy that helps identify appropriate diversification for your portfolio.
Ongoing Communications and Reporting
Transparency is key to a successful long-term relationship. I make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet your goals. This means reviewing your portfolio together on a regular basis. When your circumstances change, I will work to revise your strategy and reposition your assets to reflect your new needs and goals.
Implementation
Once we’ve discussed and refined your strategy, I work closely with you to bring each element of your strategy to life. Should we decide that outside money managers are appropriate, I will draw on in-depth research and analysis to help select among the hundreds of investment management firms available. If you prefer to invest in individual securities, I can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we implement, I am committed to keeping your strategy on track.
Being affluent is not a niche and neither are my clients
Regardless of how one has obtained their wealth, I have committed myself to understanding the unique complexities and challenges that affluent individuals and families will face- whether it was earned, inherited, or otherwise.
Typical clients I serve include:
Typical clients I serve include:
Corporate Executives
Whether your company is public or private, large or small, I can help you generate returns unrelated to the industry where your wealth is concentrated. If you have significant stock options, RSUs, ISOs, NQDC awards, equity grants or control stock, we can execute diversification strategies tailored to your specific risk management, investment, and liquidity objectives.
High Income Professionals
One commonality among attorneys, consultants, sales reps and physicians is that their demanding careers leave little time for overseeing and managing their personal assets. In many circumstances, communicating during normal working hours can be a challenge. My skills and experience enable me to exercise discretion, making timely investment decisions to help grow and protect your hard-earned wealth.
Financially Independent Women
Women control more than half of household assets and, due to caregiving responsibilities, fewer working years and longer life expectancies, may face financial issues that men do not. Whether wealth was accumulated through a successful career, divorce, or widowhood, I am committed to understanding the unique needs women will need to plan for and take great pride in making this an emphasis of my practice.
Affluent Retiree's
Retirement issues are a major source of concern today. Longer life expectancies mean your retirement may last nearly as long as your career, and rising health care costs may make your retirement increasingly expensive. Leveraging a suite of sophisticated planning tools that include Monte Carlo simulation analysis and Morgan Stanley’s proprietary tax-savvy intelligent withdrawals platform, I can design a retirement plan that will anticipate and help prepare you for the unexpected challenges that retirees may face now and in the future.
Business Owners
Owning your own business is empowering, challenging, and potentially quite lucrative. As your business grows from one person to many, monetizing a privately held company requires seamless coordination of your personal wealth management and business monetization strategies. I will work with your legal, tax, and other advisors to help you increase value, reduce tax liabilities, and integrate the proceeds of your sale into a comprehensive wealth plan.
My Commitment to Excellence
Being a Financial Advisor for over the past 25 years, I have developed close relationships with a vast array of affluent individuals, families, and institutions across more than 20 states. Drawing from this experience, I have developed a consistent and continuous investment process designed to optimize your portfolio into a tax-smart and risk-controlled allocation while providing timely, unbiased objective advice.
As a Portfolio Management Director, I have the experience and skillset to manage your investments on a discretionary basis while as a Family Wealth Advisor, I can help address your estate planning, philanthropy, business succession needs, and multi-generational planning goals. In addition, being an Alternative Investments Director demonstrates my deep knowledge of a sophisticated set of investment products that affluent investors use for access to institutional strategies designed to offer diversification away from traditional fixed income and equity markets.
The accolades below are not only a reflection of the commitment I have made in my pursuit of excellence, but also to the long-term success I have had guiding clients through three bear markets, the Great Financial Crisis, and most recently the market turmoil caused by the COVID pandemic.
As a Portfolio Management Director, I have the experience and skillset to manage your investments on a discretionary basis while as a Family Wealth Advisor, I can help address your estate planning, philanthropy, business succession needs, and multi-generational planning goals. In addition, being an Alternative Investments Director demonstrates my deep knowledge of a sophisticated set of investment products that affluent investors use for access to institutional strategies designed to offer diversification away from traditional fixed income and equity markets.
The accolades below are not only a reflection of the commitment I have made in my pursuit of excellence, but also to the long-term success I have had guiding clients through three bear markets, the Great Financial Crisis, and most recently the market turmoil caused by the COVID pandemic.
Accreditation's
Certified Financial Planner (CFP®)
Certified Investment Management Analyst (CIMA®)
Certified Investment Management Analyst (CIMA®)
Morgan Stanley Titles and Designations
Senior Vice President- Wealth Management
Alternative Investments Director
Portfolio Management Director
Family Wealth Advisor
Investment Management Consultant
Financial Planning Specialist
Lending Specialist
Alternative Investments Director
Portfolio Management Director
Family Wealth Advisor
Investment Management Consultant
Financial Planning Specialist
Lending Specialist
Awards
13 Year Five Star Wealth Manager award winner Chicago and Seattle 2013-2025*
Education and Professional Affiliations
University of Chicago Booth School of Business- Investment Management Education Program
DePaul University- Certificate Program in Financial Planning
Chartered Alternative Investment Analyst (CAIA) Association Fundamentals of Alternative Investments Certificate Program
Gies College of Business University of Illinois at Urbana-Champaign- Bachelor of Science in Finance
Whitman School of Management at Syracuse University
Certified Financial Planner Board
Investments & Wealth Institute® formerly IMCA
DePaul University- Certificate Program in Financial Planning
Chartered Alternative Investment Analyst (CAIA) Association Fundamentals of Alternative Investments Certificate Program
Gies College of Business University of Illinois at Urbana-Champaign- Bachelor of Science in Finance
Whitman School of Management at Syracuse University
Certified Financial Planner Board
Investments & Wealth Institute® formerly IMCA
**My most recent award was issued in 2025. The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. Five Star Professional, as a third-party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker-dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Award candidates are then evaluated against 10 objective eligibility and evaluation criteria associated with wealth managers who must have a minimum of five years' experience as an investment adviser representative or other accepted credentials, client retention rates, client assets administered, firm review and a favorable regulatory and complaint history as defined by Five Star. Five Star Professional determines the final list of Five Star Wealth Manager Award winners. The Award does not evaluate the quality of services furnished to clients and it is possible that the recipient may have received unfavorable ratings from those surveyed. Five Star Professional collected the information for this Award through surveys it conducted.
Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Five Star Professional. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future.
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com.
Five Star Wealth Manager Award 2013-2022
Source: fivestarprofessional.com (Awarded 2013-2022)The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Five Star Professional. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future.
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com.
Five Star Wealth Manager Award 2013-2022
Source: fivestarprofessional.com (Awarded 2013-2022)The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
The Collaborative Advantage: Build your Future, Create your Legacy
Going it alone can be difficult. We all have goals- and many are linked to our finances, from paying for higher education, to meeting health-care needs and other foreseen costs, to retirement. Trying to make investment decisions while juggling all these financial goals on your own can be overwhelming and time-consuming.
As your Financial Advisor, my role is to help you develop a strategy that lays out a clear path to your goals that you can follow, knowing you are making informed, confident decisions in the face of today’s complex financial markets. My advice is backed by advanced technology, exceptional insight and institutional scale that can't be found just anywhere. Watch the video above to learn more about how I implement the solutions and capabilities at Morgan Stanley designed to empower you and your family towards financial independence.
As your Financial Advisor, my role is to help you develop a strategy that lays out a clear path to your goals that you can follow, knowing you are making informed, confident decisions in the face of today’s complex financial markets. My advice is backed by advanced technology, exceptional insight and institutional scale that can't be found just anywhere. Watch the video above to learn more about how I implement the solutions and capabilities at Morgan Stanley designed to empower you and your family towards financial independence.
Location
500 108th Ave NE
Ste 1900
Bellevue, WA 98004
US
227 W Monroe Street
Suite 3400
Chicago, IL 60606
US
Direct:
(312) 917-7443(312) 917-7443
Wealth Management
From My Desk
Tax-Smart Strategies for Your Retirement
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
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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 Nathan J Huveldt 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.
2Morgan 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.
3When 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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
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.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
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
11Morgan 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.
12Morgan 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.
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.
2Morgan 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.
3When 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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
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.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
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
11Morgan 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.
12Morgan 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.
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)
