Terry L Hogan
Senior Vice President, Financial Advisor, Senior Investment Management Consultant
Phone:
(812) 231-1804(812) 231-1804
The Argentum Group at Morgan Stanley
Direct:
(812) 232-1144(812) 232-1144
Toll-Free:
(800) 876-1144(800) 876-1144
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Team Profile
Our team offers a breadth of talent and a wide range of skills. We manage approximately $995 million in assets as of May 1, 2023 and are comprised of four financial advisors, one business development associate, and two support staff members.
Whether you are seeking Portfolio Management, Estate and Retirement Planning strategies, or Business Planning we offer the guidance you seek. Our robust team includes a variety of disciplines, including two Certified Financial Planners™. We will help you define what is most important to you and then formulate the strategies that are best suited for your lifestyle and legacy goals. With over seventy five combined years of experience in the financial services industry, the Argentum Group offers you a broad range of knowledge and experience We pride ourselves in the comprehensive services we offer, backed by the global resources of Morgan Stanley.
Whether you are seeking Portfolio Management, Estate and Retirement Planning strategies, or Business Planning we offer the guidance you seek. Our robust team includes a variety of disciplines, including two Certified Financial Planners™. We will help you define what is most important to you and then formulate the strategies that are best suited for your lifestyle and legacy goals. With over seventy five combined years of experience in the financial services industry, the Argentum Group offers you a broad range of knowledge and experience We pride ourselves in the comprehensive services we offer, backed by the global resources of Morgan Stanley.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS: FOCUSED ON YOU
Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Working together, we define what is important to you and develop the solutions to help get you there.
1. Discovery
Every client’s situation is unique; we begin by learning about you, your family and your financial complexities. What we learn helps us to formulate specific strategies and, of equal importance, it helps us customize the entire relationship to your preferences and requirements.
2. Forming Your Strategy
After a comprehensive analysis of your goals and resources we share a customized wealth solution. Managing wealth involves identifying the proper asset allocation mix to help achieve the goals we establish with the appropriate amount of risk and high regard for tax and estate considerations.
3. Implementing Your Plan
Next, we implement the investment strategy based on extensive analysis of expected results across a range of market scenarios. This process can help create the most efficient balance of risk and return for your specific strategy.
4. Measuring Your Success
Achieving your goals requires ongoing stewardship. We help monitor progress and make adjustments to the Wealth Plan and Investment Strategy as markets and tax laws shift, life happens and priorities perhaps evolve.
Investor Resources
We believe staying up to date and using valuable resources can help you make inform decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets. Please take a moment to review the resources below.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Thoughts on the Market
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes.
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Global Investment Committee on the Markets
A publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the most recent edition below.
Read: "GIC on the Markets"
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Access the 2024 Federal Tax Tables
Personal Finance
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. Learn from Morgan Stanley thought leaders about how to manage your wealth and help meet your personal financial goals.
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Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
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Goals Planning System
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
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U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
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Private Banking
Private banking at Morgan Stanley is a comprehensive wealth management service designed to meet the financial need of clients. Private banking is designed to help clients grow and preserve their wealth over the long term. Below are some resources that can help you develop strategies to assist your financial needs. We have provided links to these materials and hope you will return often to learn more about the topics that impact your overall wealth.
Liquidity Access Line
Morgan Stanley's Liquidity Access Line (LAL) is a flexible financing solution that allows clients to access the value of their investment portfolios without the need to sell securities or other assets. The LAL offers clients a revolving line of credit, which can be used for a variety of purposes, including personal and business expenses, real estate purchases, or investment opportunities.
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Ultra-High Net Worth
As an Ultra-High Net Worth (UHNW) client, you may be eligible for customized lending solutions. UHNW clients can experience flexible, convenient and cost-effective borrowing options.
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CashPlus
CashPlus is a tool that allows you to have a modern alternative to banking. With CashPlus feel free to access your cash anytime and anywhere. It is an easy way to manage your account online.
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Morgan Stanley Amex Cards
Morgan Stanley offers a range of American Express (Amex) cards to its clients, providing a variety of benefits and rewards. These cards are designed to meet the needs of Morgan Stanley clients, offering features such as cash back, travel rewards, and premium perks. With a variety of options to choose from, clients can select the card that best fits their needs and preferences.
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Home Loans
Morgan Stanley, a leading financial services firm, provides home loans to customers looking to purchase a home or refinance a home. Experience the range of options that are available to you.
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Cash Management and Lending Brochure
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated expertise and capabilities. Our cash management and lending solutions are designed to meet these unique needs.
Learn More HereLocation
401 Wabash Avenue
Terre Haute, IN 47807
US
Direct:
(812) 232-1144(812) 232-1144
Toll-Free:
(800) 876-1144(800) 876-1144
Meet The Argentum Group
Troy T Charters, CFP®
Senior Vice President, Branch Manager, Financial Adviser, Financial Planning Specialist
Phone:
(812) 231-1809(812) 231-1809
Jody Reinoehl
Financial Advisor, Financial Planning Specialist
Phone:
(812) 231-1807(812) 231-1807
Kevin Klingerman
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(812) 231-1805(812) 231-1805
Lindsey Pae, CFP®*
Vice President, Business Development Associate, Financial Planning Specialist
Phone:
(812) 231-1812(812) 231-1812
Lisa VanReed
Portfolio Associate
Phone:
(812) 231-1810(812) 231-1810
Chasity Jordan
Portfolio Associate
Phone:
(812) 231-1814(812) 231-1814
About Terry L Hogan
Terry Hogan has dedicated his entire career to serving clients in the Wabash Valley area. He started in the brokerage business in 1980 on his 25th birthday.
As a Senior Vice President and Senior Investment Management Consultant in The Argentum Group, Terry is keenly focused on three phases of a clients financial life: wealth accumulation and management, retirement planning, and retirement plan implementation and generational succession planning. He also handles Portfolio Management as well as corporate and Taft Hartley plans.
A lifelong member of the Terre Haute community, he is very involved in making Terre Haute a better place to live and raise a family. Terry has been active on countless boards and organizations, currently serving on the boards of the Terre Haute Symphony Orchestra and St. Benedict Church Finance Committee. He was also a founder of the "Miracle on 7th Street", a holiday festival in downtown Terre Haute that raises food and money for five organizations and soup kitchens throughout Terre Haute; the festival has raised $350,000 and nearly 60 tons of food.
Terry and his wife Judy have two grown children and four grandchildren (three girls and a boy).
As a Senior Vice President and Senior Investment Management Consultant in The Argentum Group, Terry is keenly focused on three phases of a clients financial life: wealth accumulation and management, retirement planning, and retirement plan implementation and generational succession planning. He also handles Portfolio Management as well as corporate and Taft Hartley plans.
A lifelong member of the Terre Haute community, he is very involved in making Terre Haute a better place to live and raise a family. Terry has been active on countless boards and organizations, currently serving on the boards of the Terre Haute Symphony Orchestra and St. Benedict Church Finance Committee. He was also a founder of the "Miracle on 7th Street", a holiday festival in downtown Terre Haute that raises food and money for five organizations and soup kitchens throughout Terre Haute; the festival has raised $350,000 and nearly 60 tons of food.
Terry and his wife Judy have two grown children and four grandchildren (three girls and a boy).
Securities Agent: MI, DC, WY, WA, NJ, MO, TX, PA, NE, IN, TN, IA, VA, WV, SC, RI, IL, ID, OR, NC, MA, CA, NV, NM, MT, MN, GA, CO, AZ, UT, NY, KY, FL, AL, WI, OK, OH, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1265178
NMLS#: 1265178
About Troy T Charters
Troy is the Resident Manager of the Terre Haute office, a Certified Financial Planner™, and a Financial Advisor with The Argentum Group at Morgan Stanley. As a team, the Argentum Group is able to assign areas of specific focus to individual team members in an effort to leverage the resource of one another. Troy's responsibilities include developing and building client relationships, utilizing his CFP® in the development and implementation of comprehensive financial plans, and providing investment research and analysis used in the development of client portfolios.
Troy attended Indiana State University where he earned an undergraduate degree in marketing in 1996, and completed his Master of Business Administration in 2001. Troy attained his Certified Financial Planner™ designation in 2012.
Troy and his wife Heidi reside in West Terre Haute, Indiana and have two children, Elaina and Kuy.
Troy attended Indiana State University where he earned an undergraduate degree in marketing in 1996, and completed his Master of Business Administration in 2001. Troy attained his Certified Financial Planner™ designation in 2012.
Troy and his wife Heidi reside in West Terre Haute, Indiana and have two children, Elaina and Kuy.
Securities Agent: PR, SD, VI, VT, WI, WY, VA, MA, MO, NJ, SC, WV, WA, UT, TX, TN, RI, PA, OR, OH, NY, NV, NM, ND, NC, MT, MN, MI, MD, KY, IN, IL, IA, GA, FL, DC, CO, CA, AZ, AL, AK, AR, CT, DE, HI, ID, KS, LA, ME, MS, NE, NH, OK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1268390
NMLS#: 1268390
About Jody Reinoehl
As a Financial Advisor with The Argentum Group, Jody is committed to helping individuals, families, and retirees with all aspects of their financial well being. She is committed to knowing her clients needs and concerns as they journey through the many stages of life. Jody is dedicated to creating plans that match her client's individual personality while working to achieve their financial goals; she works to create plans that can be easily updated and refocused when life decides to throw out a curveball.
A graduate from Indiana State University with a degree in Business Management and Business Administration, Jody had been a licensed Advisor since 2001.
Jody enjoys spending her free time with family and friends.
A graduate from Indiana State University with a degree in Business Management and Business Administration, Jody had been a licensed Advisor since 2001.
Jody enjoys spending her free time with family and friends.
Securities Agent: MT, GA, UT, SC, PA, OK, NM, NC, FL, MI, ID, IA, CO, CA, TN, DC, AZ, WA, RI, WV, TX, OR, MA, AL, MO, NV, NJ, MN, MD, KY, IN, IL, NY, WY, VA, OH, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1451617
NMLS#: 1451617
About Kevin Klingerman
Kevin has been a financial advisor in the Terre Haute community for over 22 years. During that time, he has helped many clients achieve their financial goals. He helps investors clarify their investment objectives and has the experience to handle all investment styles.
During his 22+ years in the business, there have been many ups and downs in the market. Kevin's experience has helped his clients get through those ups and downs by keeping them focused on their investment objectives.
Born in South Bend, Indiana, Kevin received his B.S. and M.B.A in Finance from Indiana State University, where he was a pitcher and four-year letterwinner on the Sycamore baseball team. He and his wife Shelley have three children and reside in Terre Haute. Kevin is involved in many local charities including many years as the St. Patrick School Raffle Chair and a founder of Project Never Broken.
Kevin also enjoys exercising, spending time with his family, and traveling.
During his 22+ years in the business, there have been many ups and downs in the market. Kevin's experience has helped his clients get through those ups and downs by keeping them focused on their investment objectives.
Born in South Bend, Indiana, Kevin received his B.S. and M.B.A in Finance from Indiana State University, where he was a pitcher and four-year letterwinner on the Sycamore baseball team. He and his wife Shelley have three children and reside in Terre Haute. Kevin is involved in many local charities including many years as the St. Patrick School Raffle Chair and a founder of Project Never Broken.
Kevin also enjoys exercising, spending time with his family, and traveling.
Securities Agent: VA, CO, WY, SC, GA, WV, PA, AL, WI, NJ, FL, AZ, WA, RI, OK, NM, CA, UT, OR, MO, IN, MI, NY, KY, TN, MN, MD, MA, NV, NC, IA, DC, TX, OH, MT, IL, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2157017
NMLS#: 2157017
About Lindsey Pae
Lindsey has been a dynamic member of The Argentum Group since joining the team in 2012. As a Business Development Associate, Lindsey has a dual focus on developing and applying strategies to help enhance practice management and client relationships, as well as the creation and ongoing maintenance of comprehensive and personalized financial plans designed to help address the needs and goals of her clients.
Lindsey has her B.S. in Business Management from Indiana State University, and in 2022, also earned her Certified Financial Planner™ designation. She is also registered with her FINRA Series 7 and Series 66 licenses.
Lindsey resides in Terre Haute with her husband. She can found spending time with her family and friends, searching for new trails to hike, tending her garden, and learning how to sew. Lindsey and her husband love finding new culinary experiences and traveling.
*Disclaimer: This role cannot solicit or provide investment advice
Lindsey has her B.S. in Business Management from Indiana State University, and in 2022, also earned her Certified Financial Planner™ designation. She is also registered with her FINRA Series 7 and Series 66 licenses.
Lindsey resides in Terre Haute with her husband. She can found spending time with her family and friends, searching for new trails to hike, tending her garden, and learning how to sew. Lindsey and her husband love finding new culinary experiences and traveling.
*Disclaimer: This role cannot solicit or provide investment advice
About Lisa VanReed
Lisa is a Portfolio Associate for The Argentum Group, joining the team in 2015. She earned her Series 7 and 66 securities licenses after joining the firm. She is responsible for the day-to-day operational and administrative duties including account opening and maintenance, client interactions and various other tasks.
Lisa resides in Terre Haute with her husband and their two boys. She is a member of P.E.O., a mentor for Kid's Hope, and a volunteer in connections at church. She enjoys spending time with her family and friends, attending community events, and especially loves watching her boys in their various activities.
Lisa resides in Terre Haute with her husband and their two boys. She is a member of P.E.O., a mentor for Kid's Hope, and a volunteer in connections at church. She enjoys spending time with her family and friends, attending community events, and especially loves watching her boys in their various activities.
About Chasity Jordan
Chasity has over 27 years experience in the financial services industry. Prior to joining Morgan Stanley in 2017, she spent the previous 21 years at another financial services firm. As a Portfolio Associate, Chasity handles client services and operations. She is both Series 7 and Series 66 registered. Chasity resides in Terre Haute with her husband. Away from the office, she enjoys spending time with her two granddaughters and traveling.
Contact Terry L Hogan
Contact Troy T Charters
Contact Jody Reinoehl
Contact Kevin Klingerman
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
Kimberly Guidone
Private Banker
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
Wealth Management
From Our Team
Election 2024: Investors' Top Questions Answered
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
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
How to Take the Emotion Out of Investing
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Argentum 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.
1When 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.
2Morgan 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.
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.
4When 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.
5Morgan 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.
6When 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
1When 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.
2Morgan 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.
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.
4When 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.
5Morgan 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.
6When 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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Awards Disclosures
CRC 6491812 (04/2024)
