Spike Anderson
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(316) 383-8347(316) 383-8347
Waterfront Planning Group at Morgan Stanley
Spike AndersonLisa Haffner, CFP®, CDFA®Steve WarfieldPaul Baranivsky, MBA, CRC®, CMFC®Jessi Radmacher, CFP®Aaron Alexander
Direct:
(316) 383-8300(316) 383-8300
Toll-Free:
(800) 733-0388(800) 733-0388
Industry Award WinnerOur Mission Statement
Comprehensive wealth planning strategies for your life and legacy
A Team Built To Anticipate Your Challenges
Waterfront Planning Group at Morgan Stanley is a team of tenured financial advisors based in Wichita, Kansas with a diverse blend of backgrounds and skillsets. Spike Anderson, Lisa Haffner, Steve Warfield, Paul Baranivsky, Aaron Alexander, and Jessi Haffner each provide a distinctive perspective to the team that affords our clients access to an exceptional level of service backed by a wealth of knowledge in various disciplines.
With over a century of combined experience in the financial services industry, we’ve seen countless iterations of market conditions, investment strategies and financial predicaments - as a result, we have become adept at anticipating challenges and identifying opportunities for our clients through all market cycles and at any stage of life. Our team at Waterfront Planning Group has helped clients achieve their financial goals leveraging robust financial planning, tax-efficient strategies, insurance and annuity solutions, and the development of comprehensive retirement plans. In addition, our team focuses in providing advice to women who are recently divorced or have endured the loss of a spouse. We are committed to providing a wealth management experience that is focused solely on the client, with an emphasis on building lasting relationships with those we work with.
Every member of our team, Gia Selzer, Blake Standiford, and Branden McLaughlin, have a distinctive set of strengths, allowing each of us to focus on what we know best. From financial planners with accounting backgrounds to family wealth advisors and more, we have the capacity and experience to find possible solutions that can help meet the unique needs of our clients. With our breadth of knowledge, we strive to do more for our clients as a team than any one of us could as individuals.
If you are looking to build a retirement plan, access cash management solutions, establish a complete financial plan, or simply need help determining if something has been overlooked with your current strategy, please contact us to set up a complimentary consultation. Call 316-383-8347 or click the Contact Us link below or at the top of this page to get started. We proudly work with clients in Wichita, KS, the surrounding area, and across the country.
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
With over a century of combined experience in the financial services industry, we’ve seen countless iterations of market conditions, investment strategies and financial predicaments - as a result, we have become adept at anticipating challenges and identifying opportunities for our clients through all market cycles and at any stage of life. Our team at Waterfront Planning Group has helped clients achieve their financial goals leveraging robust financial planning, tax-efficient strategies, insurance and annuity solutions, and the development of comprehensive retirement plans. In addition, our team focuses in providing advice to women who are recently divorced or have endured the loss of a spouse. We are committed to providing a wealth management experience that is focused solely on the client, with an emphasis on building lasting relationships with those we work with.
Every member of our team, Gia Selzer, Blake Standiford, and Branden McLaughlin, have a distinctive set of strengths, allowing each of us to focus on what we know best. From financial planners with accounting backgrounds to family wealth advisors and more, we have the capacity and experience to find possible solutions that can help meet the unique needs of our clients. With our breadth of knowledge, we strive to do more for our clients as a team than any one of us could as individuals.
If you are looking to build a retirement plan, access cash management solutions, establish a complete financial plan, or simply need help determining if something has been overlooked with your current strategy, please contact us to set up a complimentary consultation. Call 316-383-8347 or click the Contact Us link below or at the top of this page to get started. We proudly work with clients in Wichita, KS, the surrounding area, and across the country.
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
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Divorce Financial AnalysisFootnote4
- Cash ManagementFootnote5
- Exchange Traded FundsFootnote6
- Alternative InvestmentsFootnote7
- Asset Management
- Life InsuranceFootnote8
- Long-term Care InsuranceFootnote9
- Corporate BondsFootnote10
- Sustainable InvestingFootnote11
- Business Succession PlanningFootnote12
- Wealth ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Waterfront Planning Group at Morgan Stanley, we offer comprehensive wealth management strategies to high-net-worth individuals and their families. Our team uses a goals-based approach to investing, which means we start by defining your unique financial and personal objectives before creating a strategy designed to help achieve them.
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025.
Check back soon for details on upcoming events.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are some of the technologies we have to offer our clients.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Sign in here
LifeView Financial Plan
LifeView is a suite of financial planning tools that creates a realistic, integrated strategy that incorporates aspects of an individual’s financial life, including investments and cash management needs. Review a sample questionnaire below which our team uses when developing your customized plan.
Access the LifeView Questionnaire
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Click here to learn more
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Click here to learn more
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Click here to learn more
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Click here to learn more
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Click here to learn more
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances.
Click here to learn moreLocation
1617 N Waterfront Pkwy
Ste 200
Wichita, KS 67206
US
Direct:
(316) 383-8300(316) 383-8300
Toll-Free:
(800) 733-0388(800) 733-0388
Meet Waterfront Planning Group
Lisa Haffner, CFP®, CDFA®
Senior Vice President, Financial Advisor, Family Wealth Advisor, Certified Divorce Financial Analyst
Phone:
(316) 383-8308(316) 383-8308
Steve Warfield
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(316) 383-8324(316) 383-8324
Paul Baranivsky, MBA, CRC®, CMFC®
First Vice President, Financial Advisor, Portfolio Manager, Insurance Planning Director
Phone:
(316) 383-8325(316) 383-8325
Jessi Radmacher, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(316) 383-8346(316) 383-8346
Phone:
(316) 383-8355(316) 383-8355
Gia Selzer
Portfolio Associate
Phone:
(316) 383-8302(316) 383-8302
Blake Standiford
Client Service Associate
Phone:
(316) 383-8339(316) 383-8339
Branden McLaughlin
Client Service Associate
Phone:
(316) 383-8362(316) 383-8362
About Spike Anderson
Spike is a Financial Advisor who works in relationship management and business development. He joined Morgan Stanley as a Financial Advisor in 2004, teaming with Steve Boleski to form Waterfront Planning Group, formerly known as The Boleski Group. Prior to joining Morgan Stanley, Spike worked for the athletic department at Wichita State University for 10 years in donor development and game management.
Spike attended Wichita State University, earning an undergraduate degree in communications and a master’s degree in sports administration. From 1991 to 1994, he was a catcher for the WSU baseball team, during which time his team reached the College World Series three times. Spike and his wife, Kristin, have two children: Emma and Isaac. His hobbies include fishing, coaching his daughter’s softball team and organizing charity poker fundraisers.
Spike attended Wichita State University, earning an undergraduate degree in communications and a master’s degree in sports administration. From 1991 to 1994, he was a catcher for the WSU baseball team, during which time his team reached the College World Series three times. Spike and his wife, Kristin, have two children: Emma and Isaac. His hobbies include fishing, coaching his daughter’s softball team and organizing charity poker fundraisers.
Securities Agent: MO, MN, KS, DC, WA, TN, OH, FL, OK, NM, GA, CO, SD, NY, NV, MD, IA, AL, VA, IN, TX, MI, RI, CA, NC, CT, AZ, AR, PA, OR, MA, IL, SC, HI, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1294022
CA Insurance License #: 4246522
NMLS#: 1294022
CA Insurance License #: 4246522
About Lisa Haffner
Lisa is a Financial Advisor, Certified Public Accountant, and Certified Financial Planner (CFP®) providing customized financial planning, divorce financial strategy planning, risk management services, and retirement strategies to her clients. Prior to becoming a Financial Advisor, Lisa spent 19 years at a large manufacturing company, eventually serving as Director of Taxation. Prior to that she worked for nine years in public accounting before moving into the corporate tax environment. She joined Waterfront Planning Group, formerly known as The Boleski Group in 2014 and has been included as a member of the Pacesetter's Club from 2018 through 2020.
Lisa earned a degree in business with a major in accounting from Fort Hays State University. Since joining Morgan Stanley, Lisa earned a Certified Divorce Financial Analyst (CDFA) designation. Lisa lives in Wichita with her husband, Chuck, and three children: Jason, Jessi and Jordan. Outside the office, she enjoys gardening, boating, exercising and spending time with her family. She also volunteers for various Catholic organizations and Wichita’s Dress for Success.
Lisa earned a degree in business with a major in accounting from Fort Hays State University. Since joining Morgan Stanley, Lisa earned a Certified Divorce Financial Analyst (CDFA) designation. Lisa lives in Wichita with her husband, Chuck, and three children: Jason, Jessi and Jordan. Outside the office, she enjoys gardening, boating, exercising and spending time with her family. She also volunteers for various Catholic organizations and Wichita’s Dress for Success.
Securities Agent: AL, IL, SD, MI, KS, HI, GA, SC, MA, OR, MT, AR, VA, PA, MO, CA, TN, NC, MD, IA, TX, NM, IN, DC, FL, AZ, WA, OK, NV, MN, CO, NY, CT, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1489617
CA Insurance License #: 4246293
NMLS#: 1489617
CA Insurance License #: 4246293
About Steve Warfield
Steve serves as the in-house Portfolio Manager for Waterfront Planning Group. He works closely with clients to design and execute customized investment strategies and adjusts the plans as needed to help mitigate risk or seize opportunities as they arise.
He joined Morgan Stanley in 1990 as a sole practitioner, and in 2015 he joined The Boleski Group, the predecessor to Waterfront Planning Group.
Steve earned a degree in business with an emphasis in accounting from Wichita State University. He is a board member for the City of Wichita 457 Deferred Compensation Plan and a member of both the Planned Giving Council and the National Advisory Council though the Wichita State University Foundation. He and his wife, DeAun, have 3 children: Sarah, Brett and Reid and four beautiful grandchildren. In his spare time, Steve enjoys traveling, racquetball, sailing and Shocker athletics.
He joined Morgan Stanley in 1990 as a sole practitioner, and in 2015 he joined The Boleski Group, the predecessor to Waterfront Planning Group.
Steve earned a degree in business with an emphasis in accounting from Wichita State University. He is a board member for the City of Wichita 457 Deferred Compensation Plan and a member of both the Planned Giving Council and the National Advisory Council though the Wichita State University Foundation. He and his wife, DeAun, have 3 children: Sarah, Brett and Reid and four beautiful grandchildren. In his spare time, Steve enjoys traveling, racquetball, sailing and Shocker athletics.
Securities Agent: VA, PA, AZ, NC, DC, CO, TX, OK, WA, TN, SD, MA, IA, NY, NH, AR, MO, MD, SC, OH, NM, IN, AL, MT, MN, MI, KS, CT, NV, IL, GA, OR, HI, FL, CA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1316561
CA Insurance License #: 0I30355
NMLS#: 1316561
CA Insurance License #: 0I30355
About Paul Baranivsky, MBA
Paul advises his clients on how to help grow, preserve and pass along their wealth. With more than 20 years of accumulated knowledge of financial markets, he applies his skills in asset allocation, investment management, cash management and lending strategies, and retirement and estate planning strategies to the needs of his clients.
Paul began his financial services career in 1998 at Van Kampen Investments and, later, Morgan Stanley. In 2006, he joined Morgan Stanley’s asset management division, working closely with the firm’s portfolio management teams, which led to a similar role at Invesco in 2010. Paul returned to Morgan Stanley in 2019 for the opportunity to share his industry knowledge and skills and build more personal relationships with individual and family clients.
As a Certified Retirement Counselor (CRC®), Paul has received specialized training on how to apply retirement planning concepts and strategies with his clients. CRC® professionals counsel clients on how to make important retirement planning decisions. Paul is also a Chartered Mutual Fund Counselor (CMFC®) which was earned through the College for Financial Planning.
Paul graduated from Benedictine University with a bachelor’s degree in Marketing and an MBA degree from DePaul University. He lives in Wichita with his wife, Michelle, and their four children: Andrew, Ava, Sophia and Valentina. Paul and his family are active in the Wichita community and volunteer for their children's school and church. Outside the office, Paul enjoys fishing, playing casual rounds of golf and creating memories with his family.
Paul began his financial services career in 1998 at Van Kampen Investments and, later, Morgan Stanley. In 2006, he joined Morgan Stanley’s asset management division, working closely with the firm’s portfolio management teams, which led to a similar role at Invesco in 2010. Paul returned to Morgan Stanley in 2019 for the opportunity to share his industry knowledge and skills and build more personal relationships with individual and family clients.
As a Certified Retirement Counselor (CRC®), Paul has received specialized training on how to apply retirement planning concepts and strategies with his clients. CRC® professionals counsel clients on how to make important retirement planning decisions. Paul is also a Chartered Mutual Fund Counselor (CMFC®) which was earned through the College for Financial Planning.
Paul graduated from Benedictine University with a bachelor’s degree in Marketing and an MBA degree from DePaul University. He lives in Wichita with his wife, Michelle, and their four children: Andrew, Ava, Sophia and Valentina. Paul and his family are active in the Wichita community and volunteer for their children's school and church. Outside the office, Paul enjoys fishing, playing casual rounds of golf and creating memories with his family.
Securities Agent: NM, KS, IA, SD, VA, AR, CO, IL, OK, MI, HI, TX, OR, NC, MO, AZ, SC, OH, MN, DC, CT, NV, MT, MA, GA, FL, WA, CA, AL, TN, NY, MD, IN, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1891522
CA Insurance License #: 4026540
NMLS#: 1891522
CA Insurance License #: 4026540
About Jessi Radmacher
Jessi was born and raised in Wichita, Kansas where she attended Bishop Carroll Catholic High School and went on to earn her BSBA in Accounting from Oklahoma State University in 2018. A college athlete, Jessi played softball with the "Cowgirls" from 2014 to 2018. Following graduation, Jessi pursued a Master's degree in Accounting and completed her studies one year later in 2019.
After completing both degrees and passing her CPA exam, Jessi moved to Kansas City, MO, where she worked at Ernst & Young, one of the four largest CPA firms globally. In her three years there, Jessi focused on corporate, state, and local taxes in the Global Compliance and Reporting Department. In September of 2022, Jessi joined Morgan Stanley as a Financial Advisor Associate or FAA. Besides her CPA license, Jessi currently holds a Series 7 and Series 66 license as fully registered broker and is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional. In addition, she has completed her Financial Planning Specialist designation through Morgan Stanley. Jessi brings her knowledge and experience in tax management and tax planning solutions to the Waterfront Planning team.
Jessi is engaged to her fiancé, Jake, and has a cat named Gypsy. They will be moving to Wichita together in 2023. A proud OSU alumnus, Jessi remains active with her alma mater, especially through sports. She mentors and holds lectures for current members of the softball team while providing guidance to Junior and Senior undergraduates interested in accounting and finance. As a student, and now as a graduate, Jessi has been actively involved with the Orange and Black Gives Back initiative through OSU.
Outside of work, Jessi remains a passionate athlete and sports fan. Between her daily workout regimen and Kansas City Chief games on Sunday's, Jessi volunteers as a high school softball coach in the summers. She also enjoys nature walks with her fiancé, golfing in the summer months, and going on weekend motorcycle trips with her parents.
After completing both degrees and passing her CPA exam, Jessi moved to Kansas City, MO, where she worked at Ernst & Young, one of the four largest CPA firms globally. In her three years there, Jessi focused on corporate, state, and local taxes in the Global Compliance and Reporting Department. In September of 2022, Jessi joined Morgan Stanley as a Financial Advisor Associate or FAA. Besides her CPA license, Jessi currently holds a Series 7 and Series 66 license as fully registered broker and is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional. In addition, she has completed her Financial Planning Specialist designation through Morgan Stanley. Jessi brings her knowledge and experience in tax management and tax planning solutions to the Waterfront Planning team.
Jessi is engaged to her fiancé, Jake, and has a cat named Gypsy. They will be moving to Wichita together in 2023. A proud OSU alumnus, Jessi remains active with her alma mater, especially through sports. She mentors and holds lectures for current members of the softball team while providing guidance to Junior and Senior undergraduates interested in accounting and finance. As a student, and now as a graduate, Jessi has been actively involved with the Orange and Black Gives Back initiative through OSU.
Outside of work, Jessi remains a passionate athlete and sports fan. Between her daily workout regimen and Kansas City Chief games on Sunday's, Jessi volunteers as a high school softball coach in the summers. She also enjoys nature walks with her fiancé, golfing in the summer months, and going on weekend motorcycle trips with her parents.
Securities Agent: HI, GA, CT, AL, SD, VA, PA, NM, AR, OH, MT, KS, CO, WA, NY, MN, MI, IN, FL, AZ, NC, MO, DC, WY, TN, OK, NV, IL, OR, VT, MD, MA, IA, CA, TX, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2450724
CA Insurance License #: 4272562
NMLS#: 2450724
CA Insurance License #: 4272562
About Me
Securities Agent: CA, IL, CT, MT, HI, GA, TX, PA, NY, NM, TN, NE, AR, AL, OH, NJ, ID, VA, SD, SC, OR, MO, MN, MD, KS, DC, WY, MA, IN, FL, CO, AZ, WA, OK, NC, NV, MI, IA; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2655304
NMLS#: 2655304
About Gia Selzer
As a Portfolio Associate, Gia is responsible for fulfilling clients' requests and planning client events. She has worked in the financial services industry since 1993, and this is her second stint with Morgan Stanley. She originally served as an operations manager for the firm from 2000 to 2004, and she rejoined Morgan Stanley in 2010 as a member of Waterfront Planning Group, formerly known as The Boleski Group.
Gia attended Wichita State University with a focus on psychology. Gia and her husband, Jeff, have two daughters: Ella and Kate. In her spare time, she enjoys traveling and spending time with her family.
Gia attended Wichita State University with a focus on psychology. Gia and her husband, Jeff, have two daughters: Ella and Kate. In her spare time, she enjoys traveling and spending time with her family.
About Blake Standiford
Blake has a professional background in accounting and project management, with experience at Summit Materials Finance Group and WMF Hurts Co., LLC both in Wichita, Kansas. A Wichita native, he graduated from Wichita Northwest high school in 2013 and earned his bachelor's and master's degrees from Tabor College, where he also played collegiate baseball.
Outside of work, Blake enjoys outdoor activities like hunting, fishing, and golfing, and stays involved in baseball by coaching and instructing youth and high school players. He lives in Wichita with his wife, Jordyn, their son, Beckett, and their beagle puppy, Bristol.
Outside of work, Blake enjoys outdoor activities like hunting, fishing, and golfing, and stays involved in baseball by coaching and instructing youth and high school players. He lives in Wichita with his wife, Jordyn, their son, Beckett, and their beagle puppy, Bristol.
About Branden McLaughlin
Branden has expertise in retail banking, private banking, relationship management, along with experience in small business and commercial lending, including real estate, asset-based, mortgage, and construction loans. In 2003, he moved to Wichita to attend Wichita State University where he obtained a Bachelor's of Science, Criminal Justice with emphasis in Sociology.
Outside of work Branden spends evenings and weekends at practice, games, tournaments, or enjoying the outdoors for his three young boys. He has one family dog, Cody, and another foster dog, Nova, whom they are still looking to find a home for. To date, he has fostered and found forever homes for over 65 dogs through non-profit Wichita Animal Action League (WAAL).
Outside of work Branden spends evenings and weekends at practice, games, tournaments, or enjoying the outdoors for his three young boys. He has one family dog, Cody, and another foster dog, Nova, whom they are still looking to find a home for. To date, he has fostered and found forever homes for over 65 dogs through non-profit Wichita Animal Action League (WAAL).
Contact Spike Anderson
Contact Lisa Haffner
Contact Steve Warfield
Contact Paul Baranivsky, MBA
Contact Jessi Radmacher
Contact Aaron Alexander
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Article Image
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
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Waterfront Planning Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Alternative 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Alternative 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
