Denine Bergeland
The Bergeland Pasqua Wealth Management Group at Morgan Stanley
Industry Award WinnerOur 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
At the Bergeland Pasqua Wealth Management Group, helping to empower our clients to achieve their financial goals is the founding principle that drives our practice. We rely heavily on financial planning to model the long-term strategies of various investments, enabling clients to see the impact of their choices and decide what can help meet their goals.
Whether we are advising a couple on how to preserve wealth and provide income during retirement, assisting an executive with sophisticated investment strategies or guiding a business owner through a life-changing liquidity event, we are dedicated to helping our clients manage their assets in a way that uses optimal portfolio construction and tax efficiency.
Our clients believe, as we do, in the importance of building a longstanding relationship with their wealth management team. Our team works to deliver a level of service that aligns with the experience of each individual on our team. As a male-female advisory team who understands the importance of family and the financial freedom to pursue personal interests, our clients appreciate our true passion for finding potential solutions to their specific life challenges, no matter the complexity.
We believe better decisions come from better information. By blending data-driven insights with an understanding of our clients’ personal values, we help clients evaluate their choices and move forward with clarity. Through proactive communication and a disciplined approach, we strive to give our clients a level of comfort today and confidence in tomorrow, so they can focus on living the life they have worked hard to create.
Whether we are advising a couple on how to preserve wealth and provide income during retirement, assisting an executive with sophisticated investment strategies or guiding a business owner through a life-changing liquidity event, we are dedicated to helping our clients manage their assets in a way that uses optimal portfolio construction and tax efficiency.
Our clients believe, as we do, in the importance of building a longstanding relationship with their wealth management team. Our team works to deliver a level of service that aligns with the experience of each individual on our team. As a male-female advisory team who understands the importance of family and the financial freedom to pursue personal interests, our clients appreciate our true passion for finding potential solutions to their specific life challenges, no matter the complexity.
We believe better decisions come from better information. By blending data-driven insights with an understanding of our clients’ personal values, we help clients evaluate their choices and move forward with clarity. Through proactive communication and a disciplined approach, we strive to give our clients a level of comfort today and confidence in tomorrow, so they can focus on living the life they have worked hard to create.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At The Bergeland Pasqua Wealth Management 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
2023, 2024 - Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 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 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 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!
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Certified Financial Planner®
Denine Bergeland and Keri Burton both hold the recognition. The Certified Financial Planner® (CFP®) program demonstrates an financial 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.
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Michael Pasqua : 2022, 2023, 2024 & 2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2023, 2024 & 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Chartered Financial Analyst (CFA®)
Michael Pasqua earned the designation : Chartered Financial Analyst (CFA®) .
The Chartered Financial Analyst (CFA) designation is a globally recognized professional credential offered by the CFA Institute. It is awarded to investment and financial professionals who have successfully completed the CFA Program, which includes three levels of rigorous exams covering topics such as ethics, investment analysis, portfolio management, and financial reporting. Candidates must also meet specific work experience requirements and adhere to a strict code of ethics and professional conduct. The CFA designation is highly regarded in the finance industry and is often considered a benchmark for investment management and financial analysis expertise.
The Chartered Financial Analyst (CFA) designation is a globally recognized professional credential offered by the CFA Institute. It is awarded to investment and financial professionals who have successfully completed the CFA Program, which includes three levels of rigorous exams covering topics such as ethics, investment analysis, portfolio management, and financial reporting. Candidates must also meet specific work experience requirements and adhere to a strict code of ethics and professional conduct. The CFA designation is highly regarded in the finance industry and is often considered a benchmark for investment management and financial analysis expertise.
Nicole Scanlon : Family Wealth Director (FWD)
Nicole Scanlon has earned the Family Wealth Director (FWD) designation, a prestigious recognition in the financial advisory field. This designation is awarded to professionals who have demonstrated expertise in managing the complex needs of affluent families. The FWD designation signifies a deep understanding of wealth management strategies, including estate planning, tax optimization, and family governance. Advisors with this designation are committed to providing personalized and comprehensive financial solutions, ensuring the long-term financial well-being of their clients. The Family Wealth Director designation is a mark of excellence and dedication to serving high-net-worth families with integrity and professionalism
Keri Burton: Certified Exit Planning Advisor (CEPA®)
Keri Burton has achieved the Certified Exit Planning Advisor (CEPA®) designation, a distinguished credential in the field of business exit planning. This designation is awarded to professionals who have demonstrated a comprehensive understanding of the complexities involved in preparing business owners for a successful transition. The CEPA designation signifies expertise in areas such as business valuation, succession planning, and maximizing enterprise value. Advisors with this designation are dedicated to guiding business owners through the intricacies of exit planning, ensuring a smooth and financially rewarding transition. The Certified Exit Planning Advisor designation is a testament to Keri's commitment to excellence and her ability to provide strategic, personalized solutions to business owners seeking to optimize their exit strategies.
Michael Pasqua: Alternative Investments Director
Michael Pasqua serves as an Alternative Investments Director, bringing a wealth of expertise and strategic insight to the field of alternative investments. In this role, Michael is responsible for overseeing the development and management of alternative investment strategies, which include hedge funds, private equity, real estate, and other non-traditional asset classes. His leadership is instrumental in identifying unique investment opportunities that can enhance portfolio diversification and potentially improve risk-adjusted returns for clients.
Michael's deep understanding of market dynamics and his ability to navigate complex investment landscapes make him a valuable asset to the team. He is committed to delivering innovative solutions that align with clients' financial goals and risk tolerance. His work involves close collaboration with investment professionals and clients to tailor strategies that meet specific needs and objectives.
Michael's deep understanding of market dynamics and his ability to navigate complex investment landscapes make him a valuable asset to the team. He is committed to delivering innovative solutions that align with clients' financial goals and risk tolerance. His work involves close collaboration with investment professionals and clients to tailor strategies that meet specific needs and objectives.
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 Episode
Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Morgan Stanley Private Markets
Beyond the Fairway: Insights from Justin Rose
Join Morgan Stanley for an exclusive virtual fireside chat featuring Vince Lumia, Head of Wealth Management Client Segments, and Justin Rose , renowned professional golfer, Olympic gold medalist and Morgan Stanley Brand Ambassador. Justin will provide exclusive insights into:
• His storied career journey
• Key strategies that have contributed to his success in golf, including this summer's FedEx St. Jude Championship playoff win
• Upcoming Ryder Cup at Bethpage Black where he will be playing for Team Europe
• The mental and physical preparation required for major tournaments
Watch Replay• His storied career journey
• Key strategies that have contributed to his success in golf, including this summer's FedEx St. Jude Championship playoff win
• Upcoming Ryder Cup at Bethpage Black where he will be playing for Team Europe
• The mental and physical preparation required for major tournaments
American Exceptionalism: The Great Rebalancing
In case you missed it, we invite you to watch the replay from our thought-provoking American Exceptionalism: The Great Rebalancing event with Lisa Shalett and Michael Mauboussin, recorded on Monday, September 8. In this conversation, Lisa and Michael discussed:
• The potential impact of elevated federal debt and deficits and structural imbalances in wealth/income inequality on economic growth and inflation
• Key sector trends contributing to the Great Rebalancing, including tech and energy
• The rising importance of an actively managed, diversified portfolio with exposure to global and value-oriented securities
Watch Replay• The potential impact of elevated federal debt and deficits and structural imbalances in wealth/income inequality on economic growth and inflation
• Key sector trends contributing to the Great Rebalancing, including tech and energy
• The rising importance of an actively managed, diversified portfolio with exposure to global and value-oriented securities
Exclusive Event: The Impact of AI Robots on the Economy
Join Wealth Management's Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley's Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world. This conversation will cover:
• What is a humanoid robot and why is embodied AI rapidly advancing
• How the intersection of AI and the physical economy will change the way the world does business
• Which sectors and industries stand to benefit from this investment trend
• What this transformation means for investors and key portfolio considerations
Watch Replay• What is a humanoid robot and why is embodied AI rapidly advancing
• How the intersection of AI and the physical economy will change the way the world does business
• Which sectors and industries stand to benefit from this investment trend
• What this transformation means for investors and key portfolio considerations
Location
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 Pasqua Wealth Management Group
Michael A. Pasqua
Keri R. Burton
Nicole Scanlon
Annette Dick
Registered Client Relationship Analyst
Phone:
(952) 475-4351(952) 475-4351
Jessica Hindermann
Wealth Management Associate, Assistant Vice President
Phone:
(952) 475-4179(952) 475-4179
Ali Kourouma
Client Relationship Analyst
Phone:
(952) 475-4107(952) 475-4107
About Ali Kourouma
Ali joins us as a Registered Client Service Associate, bringing over 3 years of experience in banking and client service. Most recently, he worked as a Licensed Banker at Wells Fargo, where he built strong relationships and helped clients reach their goals. Originally from Foley, Minnesota, Ali earned his bachelor’s degree from Minnesota State University, Mankato in 2023.
Ali is passionate about making sure our clients feel supported and valued. In his role, Ali is dedicated to delivering exceptional service, seeking to ensure our clients receive timely, personalized support for their evolving needs. His approachable style and commitment to excellence make him a valuable resource for our team and our clients.
Outside of work, you can find Ali watching the Timberwolves and Vikings as a diehard Minnesota sports fan, traveling with his friends and spending time with his family. He’s excited to get to know our clients personally, understand their needs and become a dedicated resource on the team!
Ali is passionate about making sure our clients feel supported and valued. In his role, Ali is dedicated to delivering exceptional service, seeking to ensure our clients receive timely, personalized support for their evolving needs. His approachable style and commitment to excellence make him a valuable resource for our team and our clients.
Outside of work, you can find Ali watching the Timberwolves and Vikings as a diehard Minnesota sports fan, traveling with his friends and spending time with his family. He’s excited to get to know our clients personally, understand their needs and become a dedicated resource on the team!
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.
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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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
Taylor Streiff
Associate Private Banker
About Taylor Streiff
Taylor Streiff is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Minnesota, North Dakota, and South Dakota.
Associate Private Bankers partner with Private Bankers and 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.
Taylor began his career in financial services in 2020 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Commercial Lender at Pan American Bank and Trust in Chicago, Illinois.
Taylor is a graduate of the University of Minnesota - Duluth, where he received a Bachelor of Business Administration in Finance. He lives in Minneapolis, Minnesota with his family. Outside of the office, Taylor enjoys all things outdoors. He enjoys spending time with his friends and family.
Associate Private Bankers partner with Private Bankers and 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.
Taylor began his career in financial services in 2020 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Commercial Lender at Pan American Bank and Trust in Chicago, Illinois.
Taylor is a graduate of the University of Minnesota - Duluth, where he received a Bachelor of Business Administration in Finance. He lives in Minneapolis, Minnesota with his family. Outside of the office, Taylor enjoys all things outdoors. He enjoys spending time with his friends and family.
NMLS#: 2539965
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
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 Pasqua Wealth Management 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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:
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
