Denine Bergeland, CFP®
Managing Director, Wealth Management, Managing Director, Senior Portfolio Management Director, Financial Advisor
Phone:
(952) 475-4317(952) 475-4317
The Bergeland Group at Morgan Stanley
Our Mission Statement
By fostering a collaborative and transparent relationship, we empower our clients to make informed choices in pursuit of their financial goals.
About Us
Our team takes the time to understand the unique situation that each individual has and help to make you feel financially confident. Whether you are seeking business succession planning, education planning, retirement planning, optimal portfolio construction and investment manager selection, or looking to understand how much to save, spend or gift to stay on track to help meet your goals, you can count on us to help, no matter how complex it may be.
We help you make effective and efficient decisions for your financial life. As the stage you are in your life or in your business changes, so do your goals. We offer comprehensive strategies that includes insight into your investments, but goes far beyond to encompass virtually every aspect of your financial life including legacy, estate planning and wealth transfer strategies.
One of the keys to making better decisions is to be data-driven. When you prioritize data-first thinking across your organization and give teams the tools they need to be successful with data, you'll kick off a chain reaction that boosts efficiency, effectiveness, and bottom-line results.
My training is rooted in social services and psychology, and my practice has evolved out of a desire to help clients help themselves. The theme of empowered choice is central to the way I run my practice. We are data driven with an emotionally intelligent overlay to help people determine their most acceptable choices. We rely heavily on financial planning to help model the longer term consequences of different options to help clients see the long term impact of different choices and decide from there what they can live with. Planning also informs the next steps, including portfolio design, to form a longer term, client centric and empowered sphere of updated and ongoing choices.
We help you make effective and efficient decisions for your financial life. As the stage you are in your life or in your business changes, so do your goals. We offer comprehensive strategies that includes insight into your investments, but goes far beyond to encompass virtually every aspect of your financial life including legacy, estate planning and wealth transfer strategies.
One of the keys to making better decisions is to be data-driven. When you prioritize data-first thinking across your organization and give teams the tools they need to be successful with data, you'll kick off a chain reaction that boosts efficiency, effectiveness, and bottom-line results.
My training is rooted in social services and psychology, and my practice has evolved out of a desire to help clients help themselves. The theme of empowered choice is central to the way I run my practice. We are data driven with an emotionally intelligent overlay to help people determine their most acceptable choices. We rely heavily on financial planning to help model the longer term consequences of different options to help clients see the long term impact of different choices and decide from there what they can live with. Planning also informs the next steps, including portfolio design, to form a longer term, client centric and empowered sphere of updated and ongoing choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At The Bergeland Group at Morgan Stanley, we believe that identifying potential financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a strategy that can help to meet your individual financial needs.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are bring met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Our Experience
2019,2020, 2023, 2024 - Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023, 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2019, 2020, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023, 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors 2019, 2020, 2023, 2024 - Denine Bergeland
Check out Denine's ranking from Forbes Best-In-State Wealth Advisors!
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Forbes Best-In-State Women Wealth Advisors 2023, 2024 - Denine Bergeland
Check out Denine's ranking from Forbes Best-In-State Women Wealth Advisors for 2024!
Click here >
Certified Financial Planner™
The Certified Financial Planner™ (CFP®) program demonstrates an advisor's dedication to personal financial planning and their experience in this field. As part of their certification, all CFP® professionals commit to CFP Board's Code of Ethics and Standards of Conduct, which means they commit to work in their clients' best interest at all times when providing financial advice.
Click here to learn more >WORKING WITH YOU
Our comprehensive suite of resources are designed to help you achieve your goals in every aspect of your financial life. We have access to a suite of tools meant to transform complex financial analysis into concise and easily digestible content.
Clients We Serve: Families
Our team works with your family to uncover your goals and understand your entire financial picture Our financial planning process will address and allow you to access various scenarios across a broad range of family wealth management opportunities and the potential impact on your long-term goals.
Services We Provide: Family Wealth Education
As a service we provide, we can help your families’ next generation. The next generation may be taking a different path through life than the generations that came before them.
Clients We Serve: Business Owners
We help teach our clients how to manage cash flow, retain talented employees and align their business plan with their financial goals.
We complete business succession planning and the strategies that our clients can employ to bring clarity and confidence to the process.
We complete business succession planning and the strategies that our clients can employ to bring clarity and confidence to the process.
Services We Provide: Tax, Trust and Estate Planning
Learn how to use trusts, insurance gifting and other wealth planning tools to help your family secure a legacy that reflects your values, achievements and goals.
An effective estate plan can help you support the people and institutions you care about the most, long after you are gone.
An effective estate plan can help you support the people and institutions you care about the most, long after you are gone.
Clients We Serve: Succession Planning for Business Owners
If you are contemplating an exit from your business, there are a multitude of personal, business, tax, estate, and financial factors involved in making this important decision. Planning ahead with the help of your professional advisors is essential for mitigating risk, enhancing business value, and ensuring that the exit helps you achieve your most important goals.
Services We Provide: Lending & Liability Management
At Morgan Stanley, our team can provide qualified clients with financing solutions for almost any personal or business need.
Clients We Serve: Executives & Retirees
Working we us, we can help you determine how much you will need for the retirement you envision and develop a savings strategy that maximizes the likelihood of success.
Services We Provide: Charitable Giving & Planning
When giving is connected to issues and values that are collectively important to you and your family, it becomes more than a gesture or a transaction—it becomes an opportunity to make a difference in your local community or the world at large.
Valuable Tools and Resources:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access and convenient connectivity,
Learn More About Total Wealth View
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
CashPlus
CashPlus is a program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. This program provides clients with select benefits, savings, and enhanced services.
Learn More
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest EpisodeLocation
445 East Lake Street
Suite 320
Wayzata, MN 55391
US
Direct:
(952) 475-4317(952) 475-4317
Toll-Free:
(800) 366-1566(800) 366-1566
Fax:
(904) 273-7598(904) 273-7598
445 East Lake Street
Suite 320
Wayzata, MN 55391
US
Direct:
(952) 475-4317(952) 475-4317
Meet The Bergeland Group
Annette Dick
Senior Registered Client Service Associate
Phone:
(952) 475-4351(952) 475-4351
Jessica Hindermann
Wealth Management Associate
Phone:
(952) 475-4179(952) 475-4179
About Denine Bergeland
Denine K. Bergeland is an Executive Director, Portfolio Management Director, Workplace Advisor for Equity Compensation, and a CERTIFIED FINANCIAL PLANNER™ (CFP®) with Morgan Stanley. She has over 30 years of experience working with high net-worth families and entrepreneurs, to help them navigate the multi-generational planning opportunities around retirement, income, estate and tax planning strategies.
Denine is a Portfolio Management Director with Morgan Stanley. Portfolio Managers represent a select group of Financial Advisors who are qualified by the firm to manage your assets based on training, experience and commitment to client service.
As an Workplace Advisor for Equity Compensation, she understands the complexities of managing concentrated stock equity position. She works with clients to help balance their risk and return objective with tax and regulatory concerns. Denine assists clients by helping enhance security and liquidity through tailoring, hedging and diversification strategies, which are consistent with their corporate disclosure requirements, and take into account any potential impact on investor relations.
As a CERTIFIED FINANCIAL PLANNER™, she has been extensively trained to understand the complexities involved in managing the multifaceted, nuanced financial concerns and challenges of wealthy families including following a planning process to identify financial objectives, sources of income, cash flow analysis, asset management, risk management and estate planning strategies.
Denine has been named as an America’s Best-In-State Wealth Advisor by Forbes Magazine for 2019, 2020 and 2023. In her spare time, Ms. Bergeland enjoys playing tennis and traveling. I am involved in church leadership and mentoring of young women in the financial services field. Denine is also interested in actively bringing diverse and new ways of thinking to the field of financial services. Denine splits her time between residences in Ponte Vedra Beach, Florida and Wayzata, Minnesota.
2019, 2020, 2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Denine is a Portfolio Management Director with Morgan Stanley. Portfolio Managers represent a select group of Financial Advisors who are qualified by the firm to manage your assets based on training, experience and commitment to client service.
As an Workplace Advisor for Equity Compensation, she understands the complexities of managing concentrated stock equity position. She works with clients to help balance their risk and return objective with tax and regulatory concerns. Denine assists clients by helping enhance security and liquidity through tailoring, hedging and diversification strategies, which are consistent with their corporate disclosure requirements, and take into account any potential impact on investor relations.
As a CERTIFIED FINANCIAL PLANNER™, she has been extensively trained to understand the complexities involved in managing the multifaceted, nuanced financial concerns and challenges of wealthy families including following a planning process to identify financial objectives, sources of income, cash flow analysis, asset management, risk management and estate planning strategies.
Denine has been named as an America’s Best-In-State Wealth Advisor by Forbes Magazine for 2019, 2020 and 2023. In her spare time, Ms. Bergeland enjoys playing tennis and traveling. I am involved in church leadership and mentoring of young women in the financial services field. Denine is also interested in actively bringing diverse and new ways of thinking to the field of financial services. Denine splits her time between residences in Ponte Vedra Beach, Florida and Wayzata, Minnesota.
2019, 2020, 2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: FL, TX, NC, MT, CO, AL, TN, VT, NE, ND, DC, AZ, SD, PA, OR, NM, MI, LA, IL, IA, WI, WA, MD, MA, IN, RI, MN, GA, CA, VA, NV, SC, OH, NY, NJ, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 533366
NMLS#: 533366
Contact Denine Bergeland
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
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Bergeland 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’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.
2Morgan 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
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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’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.
2Morgan 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
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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)
