Roy Smalley
Senior Vice President, Wealth Advisor, Senior Portfolio Manager
Phone:
(612) 340-6743(612) 340-6743
Smalley Muldowney Group at Morgan Stanley
Direct:
(612) 340-6797(612) 340-6797
Toll-Free:
(800) 786-6770(800) 786-6770
Our Mission Statement
To establish and maintain long-lasting relationships with clients by playing a significant role in helping them achieve their financial goals.
It's Your Life
We don't start with your money and build a plan for your life - we start with your life and build a plan for your money. Our team brings together a broad scope of complementary strengths and backgrounds to provide you with personalized financial strategies that can help meet your unique needs, goals and circumstances. The diversity of our skills and experience combined with the power of Morgan Stanley's resources allows us to focus on your "big picture" strategy while also attending with concierge-level care to the smaller, more intricate details of your day-to-day financial life.
We are passionate about serving you and inspiring a level of confidence that allows you to focus on the aspects of life you care about most. Our goal is to create and maintain a relationship with you built on mutual respect, understanding, steadfast guidance and unwavering commitment to your goals.
We also know that you have relationships with a range of outside advisors and an important part of our role with you is to collaborate with them. With more than 40 years combined experience we understand how to integrate advice across multiple areas of wealth management and utilize strategies that can help fulfill more than one purpose.
We are passionate about serving you and inspiring a level of confidence that allows you to focus on the aspects of life you care about most. Our goal is to create and maintain a relationship with you built on mutual respect, understanding, steadfast guidance and unwavering commitment to your goals.
We also know that you have relationships with a range of outside advisors and an important part of our role with you is to collaborate with them. With more than 40 years combined experience we understand how to integrate advice across multiple areas of wealth management and utilize strategies that can help fulfill more than one purpose.
Services Include
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- Asset Management
- Business PlanningFootnote3
- Business Succession PlanningFootnote4
- Cash ManagementFootnote5
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Executive Financial ServicesFootnote8
- Financial PlanningFootnote9
- Lending Products
- Life InsuranceFootnote10
- Retirement PlanningFootnote11
- Professional Portfolio ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We understand that knowing where you are in relation to your goals is paramount. Our strategies strive to stay within your risk parameters, sustain downside protection and help ensure complete alignment with your current and long-term wealth objectives. It is our commitment to a great client experience that distinguishes us in the eyes of our many long-term clients. By maintaining a small, select clientele, we can offer a robust set of wealth management services that are highly personalized and designed to deliver a sense of ease and confidence.
Discover
First, we meet with you to take a 360° look at the entirety of your life as it affects your wealth and your objectives. We make sure to cover everything, from current investments to your risk tolerance and questions about the future. What are your current income sources? How will your spending patterns change as you transition into retirement? How much wealth do you want to pass on to the next generation? To your charitable causes?
Analyze
Next, we analyze your answers using a combination of Morgan Stanley proprietary software and our own team’s financial planning credentials. We begin to match your goals and objectives with the appropriate investments. If appropriate, we’ll talk with your accountant or attorney to ensure that we’re minimizing tax obligations and aligning portfolios with estate plans.
Implement
Then, we meet with you again and review the preliminary financial plan that we’ve developed. The plan we create together provides for a seamless integration of your investment portfolio and other assets with your tax and estate planning, cash flow planning and spending needs.
Review
Finally, we monitor your portfolio and conduct regular reviews of your financial status to help ensure that you are properly positioned to meet your financial goals.
Creating a Road Map for Your Future
Regardless of what stage your life is in, the Smalley Muldowney Group’s comprehensive financial planning process can help you get on track to reach your financial goals. We work with you to create a financial plan that is individual to you, and encompasses all aspects of your life.
By incorporating the vast resources and technology of Morgan Stanley, along with our extensive experience and concierge level service, we work with each client personally to help establish a path to can help lead to a successful financial future.
As different life events happen and circumstances change, your financial goals will often change as well. We implement a dynamic financial planning process that allows flexibility – so that we can help ensure you are always on track to reach your goals.
By incorporating the vast resources and technology of Morgan Stanley, along with our extensive experience and concierge level service, we work with each client personally to help establish a path to can help lead to a successful financial future.
As different life events happen and circumstances change, your financial goals will often change as well. We implement a dynamic financial planning process that allows flexibility – so that we can help ensure you are always on track to reach your goals.
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Learn MoreLocation
225 South 6th St
Ste 5300
Minneapolis, MN 55402
US
Direct:
(612) 340-6797(612) 340-6797
Toll-Free:
(800) 786-6770(800) 786-6770
Meet Smalley Muldowney Group
Ryan Muldowney, CFP®
First Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(612) 340-6724(612) 340-6724
Laurie Klaphake
Portfolio Associate
Phone:
(612) 340-6797(612) 340-6797
About Roy Smalley
As the senior partner in the Smalley Muldowney Group Roy is responsible for synthesizing Morgan Stanley and other research sources into customized portfolio strategies for our clients, making sure each client portfolio matches the objectives of the client’s financial plan. Roy focuses on asset allocation strategies, equity research and fixed income portfolio construction helping to provide clients with diversified, risk-managed portfolios designed to keep them progressing toward their objectives through all market environments.
A financial advisor for the past two decades Roy has been granted Morgan Stanley Wealth Advisor and Portfolio Manager designations. He and his team have built a large wealth management businesses in the region bringing the benefits of experience and scale to an exclusive customer base.
Following a 13-year Major League Baseball career, Roy keeps his hand in the game doing occasional baseball analysis on television for Fox Sports. An avid golfer, he has continued his love of hitting balls with sticks trading Louisville Sluggers for TaylorMades. Roy is an avid reader and a collector of jazz music. Married for 38 years, Roy and his wife, Christine, have 3 grown children and two granddaughters. He serves as President of the Board of a non-profit organization, Pitch In For Baseball which supplies new and gently used baseball and softball equipment to underserved children and communities and is a major supporter of Boys and Girls Clubs of the Twin Cities.
A financial advisor for the past two decades Roy has been granted Morgan Stanley Wealth Advisor and Portfolio Manager designations. He and his team have built a large wealth management businesses in the region bringing the benefits of experience and scale to an exclusive customer base.
Following a 13-year Major League Baseball career, Roy keeps his hand in the game doing occasional baseball analysis on television for Fox Sports. An avid golfer, he has continued his love of hitting balls with sticks trading Louisville Sluggers for TaylorMades. Roy is an avid reader and a collector of jazz music. Married for 38 years, Roy and his wife, Christine, have 3 grown children and two granddaughters. He serves as President of the Board of a non-profit organization, Pitch In For Baseball which supplies new and gently used baseball and softball equipment to underserved children and communities and is a major supporter of Boys and Girls Clubs of the Twin Cities.
Securities Agent: AR, KS, WA, TX, OH, MN, MI, IL, IA, PA, NY, NJ, GA, CA, MT, UT, DE, AZ, MA, FL, DC, WY, VA, TN, OR, CO, NV, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
About Ryan Muldowney
Ryan’s main responsibilities in The Smalley Muldowney Group revolve around financial planning. He focused on helping wealthy individuals and families define and manage their financial goals. Whether Ryan is working with business owners, professionals or other high net worth individuals, all his clients have one thing in common: the desire to pursue their goals and dreams and have a professionally developed road map to help them make smart financial decisions. Ryan also heads up the analysis of the team’s hedge fund and other alternative investment strategies.
Ryan earned his Bachelor of Science in Economics and Mathematics from the University of Minnesota in 2003. He has 13 years of industry experience and became a Certified Financial Planner™™ in 2005.
Prior to joining Morgan Stanley in 2007, Ryan worked at Citigroup as a financial planning analyst. He was responsible for creating written financial plans for clients with net-worths greater than $10 million.
Ryan and his family live in Edina, MN. He is an avid fly fisherman and loves spending time with his young children.
Ryan earned his Bachelor of Science in Economics and Mathematics from the University of Minnesota in 2003. He has 13 years of industry experience and became a Certified Financial Planner™™ in 2005.
Prior to joining Morgan Stanley in 2007, Ryan worked at Citigroup as a financial planning analyst. He was responsible for creating written financial plans for clients with net-worths greater than $10 million.
Ryan and his family live in Edina, MN. He is an avid fly fisherman and loves spending time with his young children.
Securities Agent: WY, MA, GA, WA, NE, NC, CA, TN, VA, TX, AZ, OR, IL, IA, CO, NY, NV, MI, DC, UT, OH, NJ, MN, DE, PA, KS, FL, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
About Laurie Klaphake
Laurie is a Portfolio Associate for the Smalley-Muldowney Group at Morgan Stanley and handles all aspects of delivering concierge level care to her clients. Laurie helps support the financial roadmap defined by the team through a customized service plan for each client.
Laurie joined the Minneapolis Smith Barney office in 2005 in the Operations area. She quickly transitioned to being a Client Service Associate for a large team. In 2012, she transitioned to Morgan Stanley working with the management team, assisting with overseeing all of the offices in Minnesota. Laurie was eager to put her concierge level care skills back to work on the client side of the business and joined the Smalley-Muldowney group in 2014. Laurie has a BA in Applied Economics from the University of Minnesota.
Laurie lives in Andover with her family. Laurie enjoys running, singing any chance she can get, and spending time with her little ones.
Laurie joined the Minneapolis Smith Barney office in 2005 in the Operations area. She quickly transitioned to being a Client Service Associate for a large team. In 2012, she transitioned to Morgan Stanley working with the management team, assisting with overseeing all of the offices in Minnesota. Laurie was eager to put her concierge level care skills back to work on the client side of the business and joined the Smalley-Muldowney group in 2014. Laurie has a BA in Applied Economics from the University of Minnesota.
Laurie lives in Andover with her family. Laurie enjoys running, singing any chance she can get, and spending time with her little ones.
Contact Roy Smalley
Contact Ryan Muldowney
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
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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Ready to start a conversation? Contact Smalley Muldowney 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.
2Alternative 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.
3Morgan 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.
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 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
12Morgan 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.
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 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.
2Alternative 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.
3Morgan 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.
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 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
12Morgan 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.
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)
