Michael L. Braun
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(989) 791-7697(989) 791-7697
The Braun Group at Morgan Stanley
Direct:
(989) 791-7697(989) 791-7697
Our Mission Statement
Our team of Financial Advisors work with you to customize investments and financial strategies for clients like you.
Our Story and Services
Whether you’re building a business, planning for retirement or setting your bucket-list goals, you need a Financial Advisor on your side.
Our wealth management team in the Saginaw Area takes time to learn what’s most important to you. We then work with you to create a comprehensive wealth strategy. From there, our team of Financial Advisors can suggest realistic financial strategies to help you meet your goals.
As your wealth management team, we’ll walk with you through the various stages of life. If your financial plans change, or the market shifts, we’ll help adjust your accounts. Our aim: to help keep you on course toward your most important life goals.
Our wealth management team in the Saginaw Area takes time to learn what’s most important to you. We then work with you to create a comprehensive wealth strategy. From there, our team of Financial Advisors can suggest realistic financial strategies to help you meet your goals.
As your wealth management team, we’ll walk with you through the various stages of life. If your financial plans change, or the market shifts, we’ll help adjust your accounts. Our aim: to help keep you on course toward your most important life goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With Us
Our Financial Advisors work with even the most complex financial portfolios. We’re also well versed in both family and business dynamics—important elements in many financial issues.
In addition, we have a deep understanding of market trends and the global economic landscape. We give you objective, understandable advice, so you can invest with confidence.
In addition, we have a deep understanding of market trends and the global economic landscape. We give you objective, understandable advice, so you can invest with confidence.
Our Clients
Our Financial Advisors help people just like you, in various stages of life.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
Our satisfied clients include:
- Business owners (including family businesses)
- Corporate executives
- High net worth investors
- Mid-career professionals and their families
- Seniors near or in retirement
- Divorcees
Planning For Your Future
We understand that so many of life’s major decisions are determined by forces outside of an individual’s control, but defining and enjoying a successful retirement does not have to be one of them. That’s why we’ve utilized our experience to develop a service model to help guide our clients through the complexities of each unique phase surrounding retirement.
Getting To Know You
Our approach is to understand your unique needs and goals so our team can design a custom strategy to help meet your needs. We are committed to providing personalize guidance and support to help you achieve financial success.
Transitioning With You Through Each Phase
We understand it can be difficult to step away from your career and begin a new phase of your life with an unknown future. We're here to serve as a pillar on your financial journey. We will help you plan and adjust through each phase based on your needs at the moment. Our goal is to help ensure you enjoy the perks of retirements and bring you confidence with handling your wealth.
Risk To Your Retirement
Once we determine what kind of retirement you want, we will work together to determine the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Tools and Resources for You
We are committed to providing you with important information about managing your wealth effectively in the current market environment. We have listed some digital tools and resources below to help you enhance each aspect of your financial life.
Online Security Center
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do. Learn about our extensive security measures, resources, and idea in this constantly evolving landscape.
Learn How To Protect Yourself
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
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.
You Can Start Here
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Log In Here
The Global Investment Committee Weekly Report:
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here To Read The Latest Report
Portfolio Risk Platform
This risk management platform offers an extensive range of risk assessment and reporting capabilities across various asset classes and security types in your portfolio.
Learn More HereLocation
4760 Fashion Square Blvd
Saginaw, MI 48604
US
Direct:
(989) 791-7697(989) 791-7697
Meet The Braun Group
Kyle M. Braun
Vice President, Financial Advisor
Phone:
(989) 791-7677(989) 791-7677
Kathleen Walraven
Wealth Management Associate
Phone:
(989) 791-7689(989) 791-7689
About Michael L. Braun
Michael Braun is an Senior Vice President, Financial Planning Specialist and Financial Advisor of The Braun Group at Morgan Stanley. Michael started his career in the financial industry and at Morgan Stanley in 1999. Currently, he works alongside his son, Kyle, to provide clients with tailored wealth management strategies to provide guidance and assist them with achieving their financial goals.
Michael graduated from Michigan State University with a Bachelor of Science in Agriculture Economics and a Master of Business Administration (MBA). Michael lives in Birch Run with his wife, Lynette. They vacation at the couple's lake house in Northwest Michigan where they enjoy boating, hiking, skiing, and wine tasting. Both are members of Saint's Francis and Claire Catholic Parish in Birch Run. Previously, Michael has served as a president for the Birch Run Rotary Club and a trustee for the Birch Run Area School Board.
Michael graduated from Michigan State University with a Bachelor of Science in Agriculture Economics and a Master of Business Administration (MBA). Michael lives in Birch Run with his wife, Lynette. They vacation at the couple's lake house in Northwest Michigan where they enjoy boating, hiking, skiing, and wine tasting. Both are members of Saint's Francis and Claire Catholic Parish in Birch Run. Previously, Michael has served as a president for the Birch Run Rotary Club and a trustee for the Birch Run Area School Board.
Securities Agent: PA, SC, KS, NC, ID, MN, NY, NJ, AR, CA, MD, MI, IN, GA, WA, KY, OH, TN, TX, UT, WI, CO, NV, VA, AZ, DC, FL, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272946
NMLS#: 1272946
About Kyle M. Braun
Kyle M. Braun is an Vice President and Financial Advisor of The Braun Group at Morgan Stanley. Kyle became a financial advisor right after college in 2016, where he could work and learn under the experience of his father as a member of his team. As a second generation advisor, Kyle seeks to create change in his clients lives by helping them achieve their aspirations and serve as a pillar on their financial journey.
Clients can have a set of unique needs and goals, Kyle take's the time to understand everything about his clients. Kyle works closely with each client to build and implement a holistic strategy to help them achieve their short, mid and long term goals.
Kyle graduated from Michigan State University with a Bachelor of Science in Economics. Kyle current reside in Frankenmuth, Michigan with his wife Raquel. They have a Goldendoodle named Cooper and had welcomed their son, Cohen, in the Fall of 2024. In his spare time, Kyle enjoys playing golf and pickleball, skiing, and going for walks with Raquel and Cooper. On the weekends you can find Kyle around the BBQ Pit where he enjoys smoking meat. He is involved with the Frankenmuth Morning Rotary Club where he sits on the board of directors and a former member of the Saginaw Spartans where he served as President.
Professional Licenses include: Series 7, Series 66, Life Insurance, Variable Products, Long-Term Care, NMLS Licensing, General Securities Representative, and Investment Advisor Representative.
Clients can have a set of unique needs and goals, Kyle take's the time to understand everything about his clients. Kyle works closely with each client to build and implement a holistic strategy to help them achieve their short, mid and long term goals.
Kyle graduated from Michigan State University with a Bachelor of Science in Economics. Kyle current reside in Frankenmuth, Michigan with his wife Raquel. They have a Goldendoodle named Cooper and had welcomed their son, Cohen, in the Fall of 2024. In his spare time, Kyle enjoys playing golf and pickleball, skiing, and going for walks with Raquel and Cooper. On the weekends you can find Kyle around the BBQ Pit where he enjoys smoking meat. He is involved with the Frankenmuth Morning Rotary Club where he sits on the board of directors and a former member of the Saginaw Spartans where he served as President.
Professional Licenses include: Series 7, Series 66, Life Insurance, Variable Products, Long-Term Care, NMLS Licensing, General Securities Representative, and Investment Advisor Representative.
Securities Agent: MI, MN, NJ, AZ, DC, MD, NC, OH, UT, WA, AR, KY, FL, CA, NV, SC, KS, PA, TX, WI, VA, TN, NY, IL, ID, GA, IN, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1629344
NMLS#: 1629344
About Kathleen Walraven
Kathy is a Wealth Management Associate with the Braun Group at Morgan Stanley. Kathy has been registered since 2002 and has been with Morgan Stanley for 20 years.
Kathy helps the team with marketing, operational matters and is fully licensed and can execute any buy and sell orders for the group.
In her free time she enjoys gardening, canning and spending time up north at her cabin with her husband and dogs. Also spending time with her children and grandchildren is very important and cherished.
Kathy helps the team with marketing, operational matters and is fully licensed and can execute any buy and sell orders for the group.
In her free time she enjoys gardening, canning and spending time up north at her cabin with her husband and dogs. Also spending time with her children and grandchildren is very important and cherished.
Contact Michael L. Braun
Contact Kyle M. Braun
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Joseph V. Portera
Private Banker
Sally A. Cholewka, CFP®
Financial Planning Director, Vice President
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
About Sally A. Cholewka
Sally A. Cholewka, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Michigan. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Braun Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 and other legal matters.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 and other legal matters.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
