Paul J Scranton, CFP®
Executive Director, Financial Advisor, Family Wealth Director, Alternative Investments Director, Senior Investment Management Consultant, Financial Planning Specialist
Phone:
(563) 344-4360(563) 344-4360
Quad Cities Wealth Management Group at Morgan Stanley
Direct:
(563) 344-4360(563) 344-4360
Toll-Free:
(800) 553-1871(800) 553-1871
Our Mission Statement
With Our Exceptional Client Service, We Help You Navigate Financial Decisions As Your Life Unfolds
Welcome
At the Quad Cities Wealth Management Group, we help clients set and achieve their financial goals in order to manage to and through a healthy retirement. Though the challenges facing today’s future retirees may seem daunting, it’s our job to understand your goals and to help you plan the steps you can take to prepare now for a better potential tomorrow.
We’ve built a team with strong experience in financial services and credentials in the areas of financial planning, portfolio management, retirement plans and insurance. We draw on our team’s collective wisdom to provide our clients with access to and understanding of a wide array of financial solutions.
Our deep breadth of knowledge about the many issues of wealth management and retirement planning, coupled with our commitment to client service, have resulted in deeply rewarding, long-term relationships with our clients. We invite you to begin that relationship today.
We are delighted to share that Forbes' latest release of annual ranking for The Quad Cities Best-In-State Wealth Management Teams has recognized The Quad Cities Wealth Management Group.
Forbes' Best-In-State Wealth Management Teams 2025
2025 Forbes Best-In-State Wealth Management Teams: [Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
We’ve built a team with strong experience in financial services and credentials in the areas of financial planning, portfolio management, retirement plans and insurance. We draw on our team’s collective wisdom to provide our clients with access to and understanding of a wide array of financial solutions.
Our deep breadth of knowledge about the many issues of wealth management and retirement planning, coupled with our commitment to client service, have resulted in deeply rewarding, long-term relationships with our clients. We invite you to begin that relationship today.
We are delighted to share that Forbes' latest release of annual ranking for The Quad Cities Best-In-State Wealth Management Teams has recognized The Quad Cities Wealth Management Group.
Forbes' Best-In-State Wealth Management Teams 2025
2025 Forbes Best-In-State Wealth Management Teams: [Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We are fortunate to have two Financial Advisors within our group who have earned the CFP® designation - one of the top credentials in the financial services industry. Our carefully developed process allows us to properly align your investments with your long-term goals and objectives.
Step 1: Discovery
The Quad Cities Wealth Management Group will get to know what you and your family value most when building a relationship. We consider your entire financial and personal situation to carefully craft a financial strategy that best suits you and your loved ones.
Step 2: Forming Your Strategy
Using your life goals and personal circumstances as a blueprint, we will create a risk-balanced strategy that maps out a clear path to achieve your goals.
Step 3: Strategy Implementation
Coupled with Morgan Stanley's global suite of services, we will conduct careful research and analysis to ensure that you take calculated and versatile action in all market situations.
Step 4: Ongoing Review
Once your plan is implemented, the work has just begun. We consult with you regularly to monitor the performance of your strategy to ensure that you remain on-track towards your goals despite any changes in life or in the market.
Experience
Our professional investment credentials demonstrate a deep level of knowledge, a commitment to best practices, and the ability to coordinate efforts among other professionals, such as our clients' attorneys and CPAs.
CFP® (CERTIFIED FINANCIAL PLANNER™)
Financial advisors achieve the CFP® certification mark after undergoing a rigorous accreditation process. It requires CFP® professionals to act in their clients' best interest, using in-depth knowledge of issues such as the financial planning process, tax planning, retirement planning, and estate planning. (Paul Scranton, Laura Scott)
CRPS® (Chartered Retirement Plans Specialist™)
The CRPS® designation is the nation's premier credential focusing on retirement plan administration. Financial advisors must pass a rigorous exam covering the process of designing, installing, and maintaining company retirement plans. (Tom Melchert. Trevor Fennelly)
FWD® (Family Wealth Director)
Designated Family Wealth Directors must demonstrate professional knowledge and experience in a range of specialties including estate planning, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning.
The FWD designation entitles the holder to specialized access to a variety of family advisory services including, family governance and dynamics, philanthropy management and lifestyle advisory. (Paul Scranton)
The FWD designation entitles the holder to specialized access to a variety of family advisory services including, family governance and dynamics, philanthropy management and lifestyle advisory. (Paul Scranton)
Digital Tools
To make the onboarding process as simple as possible we have gathered some of our most essential resources here at Morgan Stanley. You can find more information and steps to getting started below.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
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Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
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Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
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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.
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E-Authorization
With eAuthorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Learn MoreYour Legacy
Estate Planning
Set your family up for a comfortable future. Our team is devoted to help you and your family facilitate the process of preserving and transferring wealth. Often the hardest part is starting the conversation. Allow the Quad Cities Wealth Management Group to be your trusted guide.
Estate Planning
Philanthropic Planning
Don't limit your ability to contribute to multiple charities and organizations. With a well constructed plan you can help many causes that are close to your heart.
Philanthropic Planning
Family Governance & Education
Running a family business, operating a family office or simply investing as a family can be challenging. It's crucial to develop a cohesive and thorough framework that helps your family make important financial decisions.
Family Governance & Education
Goal Planning System (GPS)
Many people put off thinking about the future. You can get a head start on key life stages. The Goal Planning System is dynamic and adaptive, setting your goals according to your needs. Learn about the GPS process and how it can help you build a prosperous future.
Goal Planning System (GPS)Location
4300 East 53rd St
Ste 300
Davenport, IA 52807
US
Direct:
(563) 344-4360(563) 344-4360
Toll-Free:
(800) 553-1871(800) 553-1871
Meet Quad Cities Wealth Management Group
Kelly Bramer
Senior Vice President, Financial Advisor
Phone:
(563) 344-4374(563) 344-4374
Phone:
(563) 344-4396(563) 344-4396
Joché Gauley
Vice President, Wealth Management Associate
Phone:
(563) 344-4303(563) 344-4303
Jessica Oelmann
Business Development Associate
Phone:
(563) 344-4348(563) 344-4348
Nicole Hohl
Registered Client Service Associate
About Paul J Scranton
For over 25 years, Paul has helped steer his clients’ finances toward retirement futures designed to help protect their hard-earned money and support their dreams.
After graduating with a Bachelor of Science degree in Finance from Drake University in Des Moines, Iowa, Paul started his career in financial services at General Reinsurance in Dallas, Texas. He achieved the title of Assistant Vice President and then turned his skills towards helping people with their investments.
He began with American Express Financial Advisors in Minneapolis, and in 2000 returned to his hometown area of the Quad Cities to work for Smith Barney. Paul earned his CFP® designation in January of 2007 and was a co-founder of the Quad Cities Wealth Management Group. In addition, in 2024 Paul was named one of Forbes Magazine's Best-In-State Wealth Advisors for the sixth year in a row.
As one of the founding members of Quad Cities Wealth Management Group, Paul sets strategic goals for the team. One of his key roles is to oversee management of all client relationships and to provide unparalleled client service. In addition, he diligently researches investment solutions that help enable the team’s clients to balance risk and reward in alignment with what is most comfortable and suitable to their individual needs.
Outside of work, Paul donates many hours to the John Deere Classic PGA Tournament, an annual event that generates over $50M in economic impact to the Quad Cities area. Paul was the Chairman of this event in 2016. He is also a member of the Bettendorf Rotary and the Association of Professional Investment Consultants, and has volunteered for the American Red Cross, Iowa SIDS Foundation, Camp Shalom, and Skip-A-Long Daycare Centers. Originally from Moline, Illinois, Paul is married to a native Iowan. They have three children, whose activities he is enthusiastically involved in as a coach and supportive fan.
Disclosure:
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
CRC # 4069072 12/2024
After graduating with a Bachelor of Science degree in Finance from Drake University in Des Moines, Iowa, Paul started his career in financial services at General Reinsurance in Dallas, Texas. He achieved the title of Assistant Vice President and then turned his skills towards helping people with their investments.
He began with American Express Financial Advisors in Minneapolis, and in 2000 returned to his hometown area of the Quad Cities to work for Smith Barney. Paul earned his CFP® designation in January of 2007 and was a co-founder of the Quad Cities Wealth Management Group. In addition, in 2024 Paul was named one of Forbes Magazine's Best-In-State Wealth Advisors for the sixth year in a row.
As one of the founding members of Quad Cities Wealth Management Group, Paul sets strategic goals for the team. One of his key roles is to oversee management of all client relationships and to provide unparalleled client service. In addition, he diligently researches investment solutions that help enable the team’s clients to balance risk and reward in alignment with what is most comfortable and suitable to their individual needs.
Outside of work, Paul donates many hours to the John Deere Classic PGA Tournament, an annual event that generates over $50M in economic impact to the Quad Cities area. Paul was the Chairman of this event in 2016. He is also a member of the Bettendorf Rotary and the Association of Professional Investment Consultants, and has volunteered for the American Red Cross, Iowa SIDS Foundation, Camp Shalom, and Skip-A-Long Daycare Centers. Originally from Moline, Illinois, Paul is married to a native Iowan. They have three children, whose activities he is enthusiastically involved in as a coach and supportive fan.
Disclosure:
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
CRC # 4069072 12/2024
Securities Agent: IL, GA, NY, MO, IA, CA, DE, WA, VA, MN, KS, NM, HI, DC, NJ, CO, FL, TX, MI, AR, NV, NC, MD, AZ, AK, WI, PA, OH, ID, UT, TN, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288186
NMLS#: 1288186
About Kelly Bramer
Kelly’s career in financial services began over three decades ago in 1986, at the predecessor firm to Morgan Stanley, Shearson Lehman Brothers, in Davenport, IA.
Kelly has shaped his entire career on a “Client First” priority. As the financial quarterback for his clients, Kelly has led them in all areas of building wealth: Portfolio Management, Retirement Planning, as well as Tax and Estate Planning strategies. Working closely with their tax and legal advisors, his clients take comfort knowing their years of hard work and saving will create a lasting legacy.
Outside of Morgan Stanley, Kelly has volunteered countless hours at Our Lady of Lourdes Catholic Church in Bettendorf since 1998, serving in various leadership roles with the Endowment, Financial Council and as Trustee. Kelly is currently involved in strategic planning for the parish as it prepares for the future, expanding its reach to meet the growing needs of our community and to build the catholic education experience for all youth in the Bettendorf area.
Kelly has been married for over 35 years to Ann Marie, whose constant support has been so vital in Kelly’s career. They have lived in Bettendorf since the early 1980’s, and have raised three wonderful children who now live in Minneapolis, Denver and New York City. They split their time between the Quad Cities and Naples, FL, where they both enjoy golf, water sports and meeting up with friends… but they mostly look forward to traveling to spend time with their children!
Kelly has shaped his entire career on a “Client First” priority. As the financial quarterback for his clients, Kelly has led them in all areas of building wealth: Portfolio Management, Retirement Planning, as well as Tax and Estate Planning strategies. Working closely with their tax and legal advisors, his clients take comfort knowing their years of hard work and saving will create a lasting legacy.
Outside of Morgan Stanley, Kelly has volunteered countless hours at Our Lady of Lourdes Catholic Church in Bettendorf since 1998, serving in various leadership roles with the Endowment, Financial Council and as Trustee. Kelly is currently involved in strategic planning for the parish as it prepares for the future, expanding its reach to meet the growing needs of our community and to build the catholic education experience for all youth in the Bettendorf area.
Kelly has been married for over 35 years to Ann Marie, whose constant support has been so vital in Kelly’s career. They have lived in Bettendorf since the early 1980’s, and have raised three wonderful children who now live in Minneapolis, Denver and New York City. They split their time between the Quad Cities and Naples, FL, where they both enjoy golf, water sports and meeting up with friends… but they mostly look forward to traveling to spend time with their children!
Securities Agent: NJ, MN, MI, AK, IL, CA, UT, NC, IN, VA, NV, GA, NY, MO, IA, ID, HI, CO, WI, PA, OH, AR, NM, KS, FL, DC, TX, TN, MD, AZ, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2667561
NMLS#: 2667561
About Andi Mills Hadjiyski
Andi joins us from Baird, where she has been since 2012, serving as the team’s financial planner, as well as commanding the team’s next generation and women’s programs. She covers the vast scope of financial planning by being a licensed insurance specialist, an estate specialist and a college planning specialist.
As a financial advisor, Andi aspires to treat each client’s financial situation with the same responsibility and devotion of her own. She aims to make her clients’ financial lives less stressful by providing quality service, guidance and partnership. Andi joined the industry due to her care for people and her desire to build long-term family relationships based on trust and transparency.
Andi attended DePauw University in Greencastle, Indiana where she obtained her bachelor’s degree in economics. While in college, she spent two years working as a private wealth management intern before joining a team in Chicago. She is Series 7 and Series 66 licensed and became a CERTIFIED FINANCIAL PLANNER™ in 2017.
Andi was born in Moline, Illinois and had been a resident of Chicago since September 2015 before moving back home to the Quad Cities during Covid in 2021. Andi is inspired and devotes personal time to a local non-profit, Empowering Abilities, which is a premier service provider who passionately advocates on behalf of individuals with disabilities by creating opportunities for them to succeed, to achieve, to grow and to be happy.
Personally, Andi enjoys traveling and spending time with her husband, Stamo, their newborn daughter, Gabriela and their puppy, Ned. Recreationally, she also enjoys time playing sports and exercising.
As a financial advisor, Andi aspires to treat each client’s financial situation with the same responsibility and devotion of her own. She aims to make her clients’ financial lives less stressful by providing quality service, guidance and partnership. Andi joined the industry due to her care for people and her desire to build long-term family relationships based on trust and transparency.
Andi attended DePauw University in Greencastle, Indiana where she obtained her bachelor’s degree in economics. While in college, she spent two years working as a private wealth management intern before joining a team in Chicago. She is Series 7 and Series 66 licensed and became a CERTIFIED FINANCIAL PLANNER™ in 2017.
Andi was born in Moline, Illinois and had been a resident of Chicago since September 2015 before moving back home to the Quad Cities during Covid in 2021. Andi is inspired and devotes personal time to a local non-profit, Empowering Abilities, which is a premier service provider who passionately advocates on behalf of individuals with disabilities by creating opportunities for them to succeed, to achieve, to grow and to be happy.
Personally, Andi enjoys traveling and spending time with her husband, Stamo, their newborn daughter, Gabriela and their puppy, Ned. Recreationally, she also enjoys time playing sports and exercising.
Securities Agent: IA, DC, AR, NY, NM, WA, NC, MN, AK, MI, KS, VA, OH, NV, AZ, TX, NJ, ID, UT, IN, PA, GA, CO, MO, MD, HI, WI, IL, CA, TN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2673124
NMLS#: 2673124
About Joché Gauley
Joché is a Wealth Management Associate with Quad Cities Wealth Management at Morgan Stanley. She has been with the firm for over 25 years and joined the Group in 2004. Joché's primary focus is on providing first-class client service and strategic operational and administrative support to the Quad Cities Wealth Management clients. She is the first point of contact for many client questions. On a daily basis she opens and monitors new and managed accounts, handles administrative and operational matters, and executes buy and sell orders.
Joché enjoys her daily interactions with clients and extends to them the same courtesies and level of personal care as if they were family. She makes special efforts to remember client birthdays, anniversaries and important milestones as well as to troubleshoot and help to solve any kind of client issue that may arise.
Joché is married and is the mother of two active boys. In her spare time she enjoys spending time with family and friends, baking or reading.
Joché enjoys her daily interactions with clients and extends to them the same courtesies and level of personal care as if they were family. She makes special efforts to remember client birthdays, anniversaries and important milestones as well as to troubleshoot and help to solve any kind of client issue that may arise.
Joché is married and is the mother of two active boys. In her spare time she enjoys spending time with family and friends, baking or reading.
About Jessica Oelmann
Jessica has been in the business for just under 10 years, all with Morgan Stanley. She has worked alongside multiple Financial Advisors in the Davenport, IA office. She started at Morgan Stanley shortly after graduating from Western Illinois University. Her responsibilities encompass all aspects of client relationship and team administration. She can help with any account questions you might have from ordering checks, processing deposits, withdrawals, online access, and everything in between. Jessica enjoys connecting with clients and extends to them the same kind of courtesies and level of personal care as if they were family.
Jessica grew up just south of the Quad Cities in a small town. She and her husband, Brandon, live in Orion with their son, Grayson. Jessica enjoys spending her free time crafting (with special interest in crocheting) and volunteering, but most importantly, she enjoys being with her family. You can find their family outside as much as possible, especially summer days on the lake at the family lake house or during the winter months in Northern Wisconsin with extended family.
Jessica grew up just south of the Quad Cities in a small town. She and her husband, Brandon, live in Orion with their son, Grayson. Jessica enjoys spending her free time crafting (with special interest in crocheting) and volunteering, but most importantly, she enjoys being with her family. You can find their family outside as much as possible, especially summer days on the lake at the family lake house or during the winter months in Northern Wisconsin with extended family.
About Nicole Hohl
Nicole joins the Quad Cities Wealth Management Group at Morgan Stanley with 8 years of experience in the financial services industry. She earned a degree in Business Management from Benedictine University where she was also on the volleyball team. Nicole supports the advisors on the team by doing administrative tasks and spends a lot of time interacting with clients. She is insurance licensed and can help assist clients with questions related to insurance products. She takes pride in treating clients like they're her family.
In her free time, Nicole enjoys playing & coaching volleyball and hanging out on the couch watching movies with her fiancé, Logan, and pup, Luna.
In her free time, Nicole enjoys playing & coaching volleyball and hanging out on the couch watching movies with her fiancé, Logan, and pup, Luna.
Contact Paul J Scranton
Contact Kelly Bramer
Contact Andi Mills Hadjiyski
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Sarah Ott, CFP®
Financial Planning Director, Vice President
About Sarah Ott
Sarah Ott, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Quad Cities Wealth Management Group 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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’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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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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)
