Mike Bergan, CFP®
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(414) 226-3106(414) 226-3106
The Bergan Marlin Parks Group at Morgan Stanley
Direct:
(414) 226-3106(414) 226-3106
Our Mission Statement
At The Bergan Marlin-Parks Group, we help executives and their families navigate liquidity events, career transitions, and other significant financial decisions with clarity and confidence. By intentionally limiting the number of clients we serve, we are able to provide deeply personalized guidance, supported by diligent research and tailored to each client’s goals, priorities, and long-term vision.
Who We Work With
We work with a select group of seasoned executives and their families who value a strategic, long-term relationship with an experienced financial advisor team. Our clients are often balancing the demands of leadership, family, and meaningful financial decisions, and they look to us for thoughtful guidance tailored to their circumstances.
Many of our relationships begin during periods of transition, such as a career move, a company transaction, or a significant equity event.
Many of our relationships begin during periods of transition, such as a career move, a company transaction, or a significant equity event.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The Bergan-Marlin Group at Morgan Stanley believes that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives, and risk tolerance. Our team at The Bergan-Marlin Group follows a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. We align our efforts with your goals and focus on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed at getting to know you, your lifestyle, and your future goals to understand your financial goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to review your current financial situation and develop an appropriate wealth strategy for your risk and return objectives.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success, such as your wealth planning, estate planning, retirement planning, tax planning, and more. Examining relevant financial information helps to ensure a comprehensive financial plan.
Step 4: Action Items and Next Steps
After the financial plan presentation, we will follow up with you regarding your comprehensive financial plan analysis and portfolio recommendations, which may include tailored financial plan updates, investment allocation, consolidation of accounts, and strategy implementation.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom-designed for your specific needs. Recommended changes could include portfolio optimization, asset allocation, charitable giving, gift and estate planning, wealth transfer, and tax management strategies.
Step 6: Monitoring and Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your portfolio's performance to ensure your financial objectives are being met and adjusted accordingly. We will maintain periodic communication with you to make sure your concerns and requests are always addressed.
Comprehensive Financial Planning
The Bergan Marlin Group leverages experience and relationships to deliver innovative strategies that are tailored to help meet your needs. We look forward to speaking with you to understand your challenges so we may map out a strategy to help achieve your particular priorities and goals.
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax-smart strategies for your financial plan. These strategies include preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.
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. 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.
Estate Planning and Philanthropic Strategies
Estate planning requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
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. 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.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Private Markets
Many of today's companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Cash Management Services
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Morgan 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
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
The Morgan Stanley Global Impact Funding Trust, Inc. (MS GIFT) is an organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (MS GIFT) is a donor advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT. Back office administration provided by RenPSG, an unaffiliated charitable gift administrator.
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Navigating Opportunities and Transitions
Liquidity planning involves making thoughtful financial decisions around significant life and career milestones. Whether you're navigating a business merger or acquisition, evaluating equity compensation, preparing for a major transition, or exploring strategies as an executive, having a clear plan can help you make informed decisions and align your financial resources with your long-term goals. Explore the articles and insights below for guidance on managing liquidity events, navigating change, and making the most of the opportunities ahead.
Navigating Change
There are important moments in your career or your company's journey that may impact your workplace benefits. In times of transition, it's important to understand how your equity awards, 401(k) and other workplace benefits may affect your broader financial plan.
5 Steps for Managing Your Equity Awards During a Merger or Acquisition
If you have equity awards, an acquisition might mean a cash payout, a conversion into new shares of the acquiring company or some combination of the two. While the exact details vary depending on your company's particular plan, how long you've been at the company and the terms of the deal, it's helpful to understand how mergers and acquisitions can impact equity awards.
What To Do With Your Old 401(k)
If you have assets in a former employer's qualified retirement plan, such as a 401(k) or 403(b) plan, you have a few different options. Here are four ways to manage these retirement funds.
Diversification Strategies for Public Company Executives
Are you a public company executive who receives equity compensation? If so, you may face a dilemma. While the link between company performance and share price may drive your personal wealth, your investment portfolio may also be overly concentrated in a single stock. Discover seven ways they may be able to diversify.
Executive Planning After a Corporate Acquisition
Overview of Situation:
After her company was acquired, a senior executive suddenly faced a wave of financial decisions — all while continuing to lead her team through the transition.
The acquisition triggered the immediate vesting of certain restricted stock awards, creating a newly concentrated position in company stock. At the same time, she received a three-year retention bonus agreement, was introduced to a new equity compensation plan with different vesting schedules, and needed to address options for her former 401(k) plan and make elections on the new retirement plan and insurance benefit.
Individually, each decision was important. Together, they were overwhelming.
The Challenges:
The executive needed help making sense of several interconnected issues:
- Concentrated stock exposure created by restricted stock vesting immediately after the acquisition.
- Tax and liquidity planning around vested equity and future bonus payments.
- A three-year "golden handcuff" retention bonus, requiring planning around cash flow, taxes, and career flexibility.
- A former 401(k) and the need to evaluate rollover or retention options – and a new retirement plan with new election choices.
- A new stock plan with unfamiliar grant types and vesting timelines.
- Updated life insurance benefits, which needed to be compared against his family's protection needs.
How Our Financial Advisor Team Helped:
Our team began by organizing the executive's financial picture into a clear decision framework. Rather than looking at each issue separately, we helped her understand how the pieces may fit together within her overall financial plan.
We helped her:
- Review her newly vested stock position and develop a plan to manage concentration risk over time.
- Coordinate with her tax professional to understand potential tax implications from equity vesting, stock diversification, and retention bonuses.
- Evaluate the former 401(k) and compare available options. Enroll in the new employer retirement plan and assess the tradeoffs between pre-tax and Roth contributions.
- Review the new company stock plan and map future vesting dates into her broader financial plan.
- Compare employer-provided life insurance against her current policies and her family's income protection needs.
- Build a prioritized action plan so she knew what required immediate attention and what could be addressed over time.
The Outcome:
By working with our team, the executive gained a clearer understanding of her financial choices during a demanding professional transition.
Instead of trying to manage all of the items individually on her own, she had an experienced team who coordinated the moving parts and helped create a structured plan.
Most importantly, the process helped save her time, energy, and stress — allowing her to remain focused on her leadership responsibilities at work and his time with family at home.
Location
411 E Wisconsin Ave
Suite 2200
Milwaukee, WI 53202
US
Direct:
(414) 226-3106(414) 226-3106
20975 Swenson Drive
Waukesha, WI 53186
US
Meet The Bergan Marlin Parks Group
Jim Marlin, CFP®
Senior Vice President, Financial Advisor
Phone:
(414) 226-3072(414) 226-3072
Matthew Parks, CFA, QPFC
First Vice President, Financial Advisor
Phone:
(414) 226-3028(414) 226-3028
Laurie A. Buffington
Institutional Consulting Associate
Phone:
(414) 226-3010(414) 226-3010
Sean M. O'Connell
Client Service Associate
Phone:
(414) 226-3163(414) 226-3163
About Mike Bergan
Mike Bergan is a Certified Financial Planner™ with 30 years of investment experience, including 26 years with Morgan Stanley. Mike focuses on comprehensive wealth planning and professional investment management for high income and high net worth families.
Mike is a graduate of the University of St. Thomas in St. Paul, Minnesota, with a B.B.A. in business and was a captain and all-conference guard on the men’s basketball team. Mike holds his Series 6, 7, 31, 63, and 65 securities industry licenses.
Mike lives in Wauwatosa, Wisconsin, with his wife and three children. He enjoys coaching youth basketball, running, and snow skiing.
Securities Agent: MA, IA, TN, KY, OK, OH, MO, MN, HI, WI, SC, MT, IL, MI, GA, DE, NC, IN, WA, VA, NJ, ME, FL, OR, NY, CT, AZ, AR, CA, TX, PA, NV, MD, DC, CO, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278742
Mike is a graduate of the University of St. Thomas in St. Paul, Minnesota, with a B.B.A. in business and was a captain and all-conference guard on the men’s basketball team. Mike holds his Series 6, 7, 31, 63, and 65 securities industry licenses.
Mike lives in Wauwatosa, Wisconsin, with his wife and three children. He enjoys coaching youth basketball, running, and snow skiing.
Securities Agent: MA, IA, TN, KY, OK, OH, MO, MN, HI, WI, SC, MT, IL, MI, GA, DE, NC, IN, WA, VA, NJ, ME, FL, OR, NY, CT, AZ, AR, CA, TX, PA, NV, MD, DC, CO, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278742
Securities Agent: IL, WA, VA, NJ, ME, FL, NY, CT, AZ, CA, MI, GA, DE, UT, MA, IA, OR, NC, IN, TX, PA, NV, MD, DC, CO, TN, KY, OK, OH, MO, MN, HI, WI, SC, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278742
NMLS#: 1278742
About Jim Marlin
Jim has accumulated a very diverse background throughout his 15+ years in the finance industry. Prior to joining Morgan Stanley in 2015, Jim earned his Certified Public Accountant (CPA®) designation (non-practicing at Morgan Stanley) and worked in consulting, investment, and commercial banking, as well as in the tax, audit, and accounting fields. Jim holds the Certified Financial Planner™ designation.
His responsibilities within The Bergan-Marlin-Parks Group include investment management, retirement planning, tax-efficient investment and lending strategies, philanthropic guidance, impact investing opportunities, insurance analysis, and coordinating with clients’ external service professionals (i.e., CPAs and attorneys).
Prior to his finance career, Jim played four years of college baseball and was the team captain at Carroll University. Jim shares his love of the game as a coach for his children’s youth teams.
Away from the office, Jim enjoys spending time with his wife, their six children, and two dogs. He also has a passion for golfing and fishing when time allows.
His responsibilities within The Bergan-Marlin-Parks Group include investment management, retirement planning, tax-efficient investment and lending strategies, philanthropic guidance, impact investing opportunities, insurance analysis, and coordinating with clients’ external service professionals (i.e., CPAs and attorneys).
Prior to his finance career, Jim played four years of college baseball and was the team captain at Carroll University. Jim shares his love of the game as a coach for his children’s youth teams.
Away from the office, Jim enjoys spending time with his wife, their six children, and two dogs. He also has a passion for golfing and fishing when time allows.
Securities Agent: CT, NC, SC, OK, MO, KY, HI, MI, IN, WA, TN, PA, NJ, DC, AZ, OH, MA, IL, OR, NY, MT, MN, VA, UT, GA, FL, CO, CA, MD, IA, WI, TX, ME, DE, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1552209
NMLS#: 1552209
About Matthew Parks
Matt Parks is a Financial Advisor with Morgan Stanley after joining the firm in October, 2017. He has over 10 years of experience in the investment management industry, where he has worked both with institutional investors as well as high net worth families and individuals. Matt is a graduate from the University of Michigan, where he received a BA in Economics while competing as a member of the men’s varsity tennis team. Matt also received his MBA from the University of Chicago Booth School of Business. He received the Chartered Financial Analyst (CFA) designation in September 2014.
He lives in Chicago, Illinois with his wife and daughter and enjoys traveling, golf, tennis and spending time with friends and family.
He lives in Chicago, Illinois with his wife and daughter and enjoys traveling, golf, tennis and spending time with friends and family.
Securities Agent: VI, OR, WI, IN, IL, CT, HI, FL, UT, NJ, MT, MI, MD, MA, TX, GA, VA, OK, NC, CA, SC, OH, MO, MN, WA, TN, IA, KY, NY, DE, AZ, PA, NV, ME, DC, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2112597
NMLS#: 2112597
About Laurie A. Buffington
Laurie Buffington has worked in the investment industry since 1991 and joined Morgan Stanley in 1995. She supports the ongoing analytical efforts for the team’s clients and is also responsible for the day-to-day operational functions, including responding to client requests. In addition, Laurie conducts investment manager searches, creates customized client quarterly reports, analyzes asset allocations, and processes new accounts and asset transfers. Laurie has a BBA in Finance from the University of Wisconsin-Milwaukee and is Series 7, 63, and 65 licensed.
Laurie lives in Germantown, Wisconsin, with her husband and two children. She enjoys movies, golf, and spending time with her family.
Laurie lives in Germantown, Wisconsin, with her husband and two children. She enjoys movies, golf, and spending time with her family.
About Sean M. O'Connell
Sean is one of our service associates and has been with Morgan Stanley for 20 years. He has worked in the financial services industry for 20 years, first in account transfer processing, then institutional equity sales, and finally brokerage service.
Sean attended the University of Minnesota, where he majored in English literature. Sean has three daughters who he loves traveling to Europe with, New York City, and going to concerts, museums, and sporting events.
Sean attended the University of Minnesota, where he majored in English literature. Sean has three daughters who he loves traveling to Europe with, New York City, and going to concerts, museums, and sporting events.
Contact Mike Bergan
Contact Jim Marlin
Contact Matthew Parks
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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 Bergan Marlin Parks 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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 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.
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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)