Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(580) 786-3106(580) 786-3106
Rustic Ridge Group at Morgan Stanley
Direct:
(580) 786-3108(580) 786-3108
Our Mission Statement
Rooted in hard work and stewardship, we strive to help families work toward their financial goals with purpose – helping to preserve what they have built, preparing the next generation, and supporting long term legacy goals.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Wealth PlanningFootnote3
- Business PlanningFootnote4
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- Trust ServicesFootnote7
- Wealth ManagementFootnote8
- Corporate Pension Plans
- Life InsuranceFootnote9
- Qualified Retirement PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
6305 Waterford Blvd
Suite 240
Oklahoma City, OK 73118
US
Direct:
(580) 786-3108(580) 786-3108
2270 N HWY 81
Suite 112
Duncan, OK 73533
US
Direct:
(580) 786-3108(580) 786-3108
601 SW C Ave
Suite 100
Lawton, OK 73501
US
Direct:
(580) 786-3096(580) 786-3096
2200 S Utica Place
Suite 300
Tulsa, OK 74114
US
Direct:
(918) 586-7072(918) 586-7072
2828 University BLVD
Suite 118
Durant, OK 74701
US
Direct:
(918) 586-7072(918) 586-7072
721 W Broadway
Enid, OK 73701
US
Direct:
(580) 540-3840(580) 540-3840
Meet Rustic Ridge Group
Phone:
(918) 586-7073(918) 586-7073
Phone:
(580) 786-3107(580) 786-3107
Phone:
(580) 786-3096(580) 786-3096
Phone:
(918) 586-7072(918) 586-7072
Megan Schieber
Registered Client Service Associate
Phone:
(580) 786-3108(580) 786-3108
Heather Whitton
Client Relationship Analyst
Phone:
(843) 727-7716(843) 727-7716
Kimberly Rowland
Phone:
(580) 931-2441(580) 931-2441
About Dustin Stanton
Dustin is a graduate of Oklahoma State University, where he earned a degree in Agriculture Economics. He went on to receive his MBA from Texas A&M University and has served as a financial advisor for more than 20 years.
As a CERTIFIED FINANCIAL PLANNER®, Dustin is dedicated to helping clients navigate important financial decisions with a clear understanding of their options. Dustin is especially passionate about guiding individuals and families through the transition into retirement.
In 2025, he was honored by Forbes as Best-In-State Wealth Advisor, a recognition that reflects his commitment to excellence and client service.
Outside of the office, he enjoys spending time with his wife, Candis, and their four children.
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
As a CERTIFIED FINANCIAL PLANNER®, Dustin is dedicated to helping clients navigate important financial decisions with a clear understanding of their options. Dustin is especially passionate about guiding individuals and families through the transition into retirement.
In 2025, he was honored by Forbes as Best-In-State Wealth Advisor, a recognition that reflects his commitment to excellence and client service.
Outside of the office, he enjoys spending time with his wife, Candis, and their four children.
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Securities Agent: VI, VA, AZ, OR, OK, NC, GA, NM, MS, MD, LA, AL, ID, CA, SD, NV, MO, SC, NH, KS, FL, WA, TX, CO, NY, ME, IL, PA, OH, NJ, NE, AR, WI, VT, IN, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 508293
NMLS#: 508293
About Jessi Nippert
I began my career as an advisor in 2007, right in my hometown of Tucson, AZ. Through personal experience, I've learned firsthand how solid financial planning and investment advice can truly make or break a family's financial future.
One of my areas of specialization lies in insurance planning for small business owners, farmers, and ranchers. Having grown up in a rodeo-involved family, I understand the unique challenges and risks faced by these individuals. I'm committed to providing tailored insurance solutions that protect their livelihoods and valuable assets.
I hold the portfolio management designation from Morgan Stanley. This enables me to create and manage customized investment portfolios for my clients. I take pride in giving them the opportunity to maximize returns while minimizing risks, ensuring their financial future is well-protected. In addition to my portfolio management designation, I've also obtained my Certified Divorce Financial Analyst (CDFA) designation. This specialized knowledge allows me to offer valuable insights and support to clients navigating the financial complexities of divorce, ensuring they make informed decisions for their financial well-being.
Outside of my professional life, my family and I are heavily involved in the rodeo community. My daughter Alli is about to embark on her first year at Kansas State University on a rodeo scholarship, and I couldn't be prouder. My youngest daughter, Kashe, is also following closely in her big sister's footsteps. Together with my husband Garrison, we run a ranch in Copan, which brings us immense joy and fulfillment.
One of my areas of specialization lies in insurance planning for small business owners, farmers, and ranchers. Having grown up in a rodeo-involved family, I understand the unique challenges and risks faced by these individuals. I'm committed to providing tailored insurance solutions that protect their livelihoods and valuable assets.
I hold the portfolio management designation from Morgan Stanley. This enables me to create and manage customized investment portfolios for my clients. I take pride in giving them the opportunity to maximize returns while minimizing risks, ensuring their financial future is well-protected. In addition to my portfolio management designation, I've also obtained my Certified Divorce Financial Analyst (CDFA) designation. This specialized knowledge allows me to offer valuable insights and support to clients navigating the financial complexities of divorce, ensuring they make informed decisions for their financial well-being.
Outside of my professional life, my family and I are heavily involved in the rodeo community. My daughter Alli is about to embark on her first year at Kansas State University on a rodeo scholarship, and I couldn't be prouder. My youngest daughter, Kashe, is also following closely in her big sister's footsteps. Together with my husband Garrison, we run a ranch in Copan, which brings us immense joy and fulfillment.
Securities Agent: SD, NC, MS, ID, PA, NJ, ME, FL, CA, AZ, OK, MO, OH, MD, MI, IL, AL, CO, AR, WI, WA, VA, TN, NM, LA, GA, TX, KS, NY, NH, NE, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2465050
NMLS#: 2465050
About Ann Nash
Ann Nash brings over 16 years of experience in the financial service industry, with a particular passion for retirement and estate planning strategies. As a financial advisor, her primary focus is helping clients pursue their goals through thoughtful, attainable short- and long-term financial strategies that extend well beyond investments. Most importantly, Ann serves as a dedicated, single point of contact – helping clients access comprehensive, personalized guidance aligned with their financial needs.
Outside the office, Ann is deeply involved in the equestrian community. While she appreciates all disciplines and breeds, she is especially committed to rescuing and retaining off the track thoroughbreds, helping them transition into successful hunter and jumper careers. A Colorado native, she also enjoys spending time outdoors – fishing, hiking, camping, and mountain biking.
Outside the office, Ann is deeply involved in the equestrian community. While she appreciates all disciplines and breeds, she is especially committed to rescuing and retaining off the track thoroughbreds, helping them transition into successful hunter and jumper careers. A Colorado native, she also enjoys spending time outdoors – fishing, hiking, camping, and mountain biking.
Securities Agent: OR, GA, MS, MO, DC, PR, NM, LA, CO, VI, VA, SD, ME, CA, OK, NY, NH, IL, AZ, AL, WI, WA, AR, NE, ND, NC, MT, MD, KS, ID, VT, TX, FL, SC, PA, OH, MI, IN, NV, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 582519
NMLS#: 582519
About Kara Goodknight
Kara is a graduate of Oklahoma State University and has been a registered financial advisor helping clients since 2017. She is dedicated to empowering your financial journey and building plans for your family or business to help support confident decision making.
With a focus on personalized planning, Kara works closely with clients to understand their goals and develop strategies designed to help balance growth and long-term capital preservation. She takes pride in helping clients make informed decisions at every stage of life.
When she isn't working in the office you will find her helping her husband, Cody, and twin boys, Benton & Brody, operate their farming and cattle operations. Kara is an active volunteer with the state 4H and FFA programs, where she supports youth development and leadership in agriculture.
With a focus on personalized planning, Kara works closely with clients to understand their goals and develop strategies designed to help balance growth and long-term capital preservation. She takes pride in helping clients make informed decisions at every stage of life.
When she isn't working in the office you will find her helping her husband, Cody, and twin boys, Benton & Brody, operate their farming and cattle operations. Kara is an active volunteer with the state 4H and FFA programs, where she supports youth development and leadership in agriculture.
Securities Agent: WI, LA, SC, NC, AL, VI, SD, PA, OR, NE, MS, ID, MD, KS, NV, MO, ME, IN, GA, FL, CO, NH, AR, VA, NJ, VT, MI, AZ, OK, NM, IL, TX, NY, CA, WA, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 2755979
NMLS#: 2755979
About Lindsey Loredo
Meet Lindsey, a seasoned financial advisor with over a decade of experience in the financial services industry.
I started my journey in 2009, driven by the belief that financial planning is not a one-size-fits-all situation. As a dedicated professional, I strive to provide personalized strategies that cater to the unique needs and aspirations of each client I serve.
Regular reviews and open communication are at the heart of my approach. I understand that life can throw unexpected challenges along the road to financial success. By maintaining regular check-ins with my clients, I ensure that we can make necessary adjustments whenever their plans encounter bumps in the road. Adaptability and proactive management are essential in helping my clients stay on track towards their goals.
I focus on working with women investors and under-served individuals and families, including minorities, the LGBTQ community, rural communities, and working class families. Recognizing the unique challenges faced by these groups, I am committed to creating a safe and inclusive space where everyone feels heard, understood, and empowered to take control of their financial future.
Supported by my team, Jessi Nippert holds a portfolio management designation from Morgan Stanley, we are able to create customized portfolios that we trade on a discretionary basis. This allows us to maximize investment opportunities while navigating market fluctuations and capitalizing on emerging trends.
Outside of my professional life, I find joy in spending time with my family in our home in Owasso. Alongside my husband, daughter Ava, son London, and our furry family members - three dogs and two cats - we enjoy traveling, exploring the outdoors, and running our crafting business.
When you choose me as your financial advisor, you can expect a compassionate and experienced professional who will go the extra mile to understand your goals, provide personalized guidance, and empower you to make informed financial decisions. Let's take the first step towards a brighter financial future by scheduling a complimentary consultation. I look forward to working with you.
I started my journey in 2009, driven by the belief that financial planning is not a one-size-fits-all situation. As a dedicated professional, I strive to provide personalized strategies that cater to the unique needs and aspirations of each client I serve.
Regular reviews and open communication are at the heart of my approach. I understand that life can throw unexpected challenges along the road to financial success. By maintaining regular check-ins with my clients, I ensure that we can make necessary adjustments whenever their plans encounter bumps in the road. Adaptability and proactive management are essential in helping my clients stay on track towards their goals.
I focus on working with women investors and under-served individuals and families, including minorities, the LGBTQ community, rural communities, and working class families. Recognizing the unique challenges faced by these groups, I am committed to creating a safe and inclusive space where everyone feels heard, understood, and empowered to take control of their financial future.
Supported by my team, Jessi Nippert holds a portfolio management designation from Morgan Stanley, we are able to create customized portfolios that we trade on a discretionary basis. This allows us to maximize investment opportunities while navigating market fluctuations and capitalizing on emerging trends.
Outside of my professional life, I find joy in spending time with my family in our home in Owasso. Alongside my husband, daughter Ava, son London, and our furry family members - three dogs and two cats - we enjoy traveling, exploring the outdoors, and running our crafting business.
When you choose me as your financial advisor, you can expect a compassionate and experienced professional who will go the extra mile to understand your goals, provide personalized guidance, and empower you to make informed financial decisions. Let's take the first step towards a brighter financial future by scheduling a complimentary consultation. I look forward to working with you.
Securities Agent: AR, NE, MI, CO, AZ, AL, TN, SC, VA, MO, LA, IL, FL, TX, OK, NM, NH, MD, GA, WI, PA, OH, NC, ME, KS, CA, ID, NY, MS, SD, NJ, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2465051
NMLS#: 2465051
Contact Dustin Stanton
Contact Jessi Nippert
Contact Ann Nash
Contact Kara Goodknight
Contact Lindsey Loredo
Wealth Management
From Our Team
A Simple Six-Step Retirement Checkup
Wealth Management
Global Investment Office
Portfolio Insights
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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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
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 Rustic Ridge Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
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.
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.
5When 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.
6Morgan 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
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
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.
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.
5When 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.
6Morgan 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
7Morgan 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
