Lisa Z Clark, CFP®
Senior Vice President, Financial Advisor, Financial Planning Specialist, Family Wealth Director
Phone:
(918) 746-4804(918) 746-4804
The Clark McKinney Group at Morgan Stanley
Direct:
(918) 746-4807(918) 746-4807
Toll-Free:
(800) 234-5515(800) 234-5515
Our Mission Statement
We strive to help successful families manage their finances with confidence so they can enjoy the wealth they’ve worked so hard to achieve and lead more meaningful lives.
Named to Forbes' Best-In-State Wealth Management Teams in OK for 2023
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Named to Forbes' Best-In-State Wealth Management Teams in OK for 2023
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Some Things Are Meant to Last
We believe something as important as wealth management should be a positive, rewarding and even enjoyable journey. At The Clark McKinney Group, we create exceptional experiences for our clients by turning the complexities of financial planning into smart, simplified solutions.
Working with a deep understanding of your goals, we put our experience to work for you with every financial decision, in every part of life. And because we treat our clients like family, we are here when you need us and make your priorities our own. It is the reason our client relationships last across seasons of life, continents and even generations.
There is no greater proof of our commitment to our clients than our high retention rate. We still serve many of our very first clients today, and now, many of their children and grandchildren as well. Part of the deep understanding we bring to every client relationship comes from the rich diversity of our team. We relate to your goals and share your commitment to family and community.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Working with a deep understanding of your goals, we put our experience to work for you with every financial decision, in every part of life. And because we treat our clients like family, we are here when you need us and make your priorities our own. It is the reason our client relationships last across seasons of life, continents and even generations.
There is no greater proof of our commitment to our clients than our high retention rate. We still serve many of our very first clients today, and now, many of their children and grandchildren as well. Part of the deep understanding we bring to every client relationship comes from the rich diversity of our team. We relate to your goals and share your commitment to family and community.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Asset Management
- Professional Portfolio ManagementFootnote4
- Trust Services*
- Alternative InvestmentsFootnote5
- Cash Management and Lending ProductsFootnote6
- Estate Planning StrategiesFootnote7
- 401(k) Rollovers
- Planning for Education FundingFootnote8
- AnnuitiesFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Executive Financial ServicesFootnote12
- Philanthropic ManagementFootnote13
- Business Succession PlanningFootnote14
- Endowments and FoundationsFootnote15
- Institutional ServicesFootnote16
- Sustainable InvestingFootnote17
- Divorce Financial AnalysisFootnote18
- Structured ProductsFootnote19
- Municipal BondsFootnote20
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process:
While all client situations are unique, the Wealth Planning Process consists of the following six basic steps:
1. Introduction
Getting to know you:
-Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals
-Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals
2. Discovery
Identifying your values and goals:
-Family
-Risk tolerance
-Financial Milestones
-Family
-Risk tolerance
-Financial Milestones
3. Financial Plan
Creating a plan for you:
-Financial plan presentations map out essential factors that play into your financial success
-We cover items such as: 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
-Financial plan presentations map out essential factors that play into your financial success
-We cover items such as: 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
4. Analysis & Recommendations
Helping you build an action plan:
-Identify liabilities and risks
-Coordination with outside advisors
-Action plan-growth, preservation and/or wealth transfer
-Identify liabilities and risks
-Coordination with outside advisors
-Action plan-growth, preservation and/or wealth transfer
5. Monitoring
Ongoing evaluation and reporting:
-Track progress toward goals
-Set/follow guidelines for liquidity, asset allocation
-Notification when portfolio strays outside guidelines
-Performance reporting
-Online access
-Track progress toward goals
-Set/follow guidelines for liquidity, asset allocation
-Notification when portfolio strays outside guidelines
-Performance reporting
-Online access
6. Performance Tracking
Ongoing performance tracking:
-We will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly
-We will keep a high degree of communication with you to make sure your concerns and requests are always addressed
-We will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly
-We will keep a high degree of communication with you to make sure your concerns and requests are always addressed
Individual Plans for Individuals Like You
Chances are, that the goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process may encompass all the elements of your financial and personal life, making sure they align with your current goals and wealth management plan.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, The Clark/McKinney/Tramontana Group can help you take charge of your financial future and achieve your goals. We have assembled financial tools that speak to our wealth management philosophy and list areas where we can help women specifically benefit from our planning process:
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, The Clark/McKinney/Tramontana Group can help you take charge of your financial future and achieve your goals. We have assembled financial tools that speak to our wealth management philosophy and list areas where we can help women specifically benefit from our planning process:
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs. The questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
View The Questionnaire Here
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Learn More Here
Women and Wealth
Women face unique financial challenges, and the many roles that they may play—business owner, mother, sister—influence the financial obligations they have for themselves and family. We will help develop a strategy to achieve goals and help plans stay on track as life unfolds.
Learn More Here
Opportunities for Female Investors
Female wealth creators are the most likely to describe themselves as primary decision makers (75% do), but surprisingly, so too do 66% of inheritors and 43% of women whose spouse created their household wealth. Women are not just influencing wealth, but determining how their assets are allocated.
Learn More Here
Navigating Divorce
Divorce is almost never easy. It can impact your life in complex and unexpected ways, particularly when it comes to your finances. The more you know and the better you understand your options, the more prepared you will be to make sound decisions. This approach will help you take control of your financial life and prepare for greater security and flexibility in the future.
Learn More Here
Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes. We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
Learn More Here
Aladdin - Portfolio Risk Tool
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Learn More Here
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Learn More Here
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first. That's why working with a CFP® professional can potentially give consumers confidence today and a more successful tomorrow.
-Lisa holds this designation
-Lisa holds this designation
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification is one of the peak international, technical portfolio construction programs for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be one of the highest levels of advanced investment education for client-facing advisors.
-Brian holds this designation.
-Brian holds this designation.
Forbes Best-In-State Wealth Management Teams
We're pleased to share that the team was named to Forbes' list of Best-In-State Wealth Management Teams in 2025, 2024 and 2023. All years, the team was ranked in the top 10 in Oklahoma.
Forbes Top Women Wealth Advisors Best-In-State
-Lisa Clark (2020 & 2021, 2022 & 2024)
Forbes Best in State Wealth Advisors
-Lisa Clark, Oklahoma (2021, 2022, 2023 & 2024)
-Brian McKinney (2024)
-Brian McKinney (2024)
Barron's Top 1200 Financial Advisors State by State
-Lisa Clark 2023
Morgan Stanley Master's Club
The firm's prestigious Master’s Club is an elite group composed of the firm’s top Financial Advisors.
-Lisa & Brian for the past 15 years to date.
-Lisa & Brian for the past 15 years to date.
Working Mother and SHOOK Research's Top Wealth Advisor Moms
-Lisa Clark (2020 & 2021)
Financial Planning Specialist
The Financial Planning Specialist designation identifies those Morgan Stanley Financial Advisors who have met the experience and ethical requirements, have successfully completed financial planning coursework and have passed the Financial Planning Specialist examination designed to provide Financial Advisors with the knowledge necessary to address the wide range of financial issues confronting high net worth individuals, as well as individuals who are aggressively seeking to increase their wealth.
-Lisa & Brian hold this designation.
-Lisa & Brian hold this designation.
Alternative Investments Director
Our alternative investments directors pursue a broad range of strategies in diverse markets and geographies, yet they share a common perspective on value creation.
-Lisa & Brian hold this designation.
-Lisa & Brian hold this designation.
Morgan Stanley Family Wealth Director
Designated Family Wealth Directors must demonstrate professional knowledge and experience
in a range of dedications including estate planning strategies, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning.
-Lisa & Brian hold this designation.
in a range of dedications including estate planning strategies, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning.
-Lisa & Brian hold this designation.
Disclosures
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024 & Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22- 3/31/23 & 3/31/21-3/31/22.
2020, 2021, 2022, 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 2020, 2021, 2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020, 2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded October 2020, 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Barron's Barron's Top 1200 Financial Advisors State by State. Awarded March 2023. Data Compiled By Barron's based on time period from Sept 2021- Sept 2022.
Source: Forbes.com (Awarded Jan 2024 & Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22- 3/31/23 & 3/31/21-3/31/22.
2020, 2021, 2022, 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 2020, 2021, 2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020, 2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded October 2020, 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Barron's Barron's Top 1200 Financial Advisors State by State. Awarded March 2023. Data Compiled By Barron's based on time period from Sept 2021- Sept 2022.
Events, Valuable Tools & 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.
If relevant, please also see any events available below. Past events will be contained at the bottom of this page.
If relevant, please also see any events available below. Past events will be contained at the bottom of this page.
GIC Investment Perspectives Webcast
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 WebcastTotal 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
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
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 CenterLocation
2200 S Utica Place
Suite 300
Tulsa, OK 74114
US
Direct:
(918) 746-4807(918) 746-4807
Toll-Free:
(800) 234-5515(800) 234-5515
Meet The Clark McKinney Group
Brian C McKinney, CIMA®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Financial Planning Specialist
Phone:
(918) 746-4805(918) 746-4805
Amy E. Munsell
Vice President, Group Director, Financial Planning Specialist
Phone:
(918) 746-4807(918) 746-4807
Nick Cordle, ChFC
Vice President, Wealth Management Associate
Phone:
(918) 744-4691(918) 744-4691
Jeana Keeter
Portfolio Associate, Financial Planning Specialist
Phone:
(918) 746-4808(918) 746-4808
About Lisa Z Clark
Lisa was named one of Forbes Top Women Wealth Advisors of 2020. She leads our team’s planning and wealth management. With more than 25 years of experience, her numerous credentials include CERTIFIED FINANCIAL PLANNER™ and Family Wealth Director, a certification earned by fewer than 3% of all Morgan Stanley advisors. Lisa has been on Morgan Stanley’s prestigious Chairman’s Council and Century Council since 1995.
Lisa holds a Bachelor of Science in finance from Oklahoma State University. Lisa serves her community through the executive board of the Oklahoma Conference for Community and Justice, Morningcrest Healthcare Foundation Board, National Charity League - Tulsa Midtown Chapter Executive Board member, the Hispanic American Foundation and Leadership Tulsa.
Lisa and her husband have two children, and they enjoy running, snow and water skiing, art and travel.
2020 - Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Lisa holds a Bachelor of Science in finance from Oklahoma State University. Lisa serves her community through the executive board of the Oklahoma Conference for Community and Justice, Morningcrest Healthcare Foundation Board, National Charity League - Tulsa Midtown Chapter Executive Board member, the Hispanic American Foundation and Leadership Tulsa.
Lisa and her husband have two children, and they enjoy running, snow and water skiing, art and travel.
2020 - Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Securities Agent: MT, NJ, AL, AK, VA, OH, NM, TN, SC, MA, OK, HI, AZ, AR, PA, NY, IN, WI, NC, MO, MN, MI, IL, FL, CA, WA, TX, CO, LA, KS, CT, OR, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282709
AR Insurance License #: 2655662
NMLS#: 1282709
AR Insurance License #: 2655662
About Brian C McKinney
Brian has been providing smart strategies in complex financial environments since 1993. He began his career with Walton Enterprises specializing in government and municipal bonds. In 2002, he joined Morgan Stanley’s Consulting Group. With over 20 years of industry experience, Brian’s experience is developing asset allocation strategies, investment policy statements, manager research and performance monitoring. He has been designated a Certified Investment Management Analyst® by the Wharton School of Business at the University of Pennsylvania.
Brian is a Family Wealth Director, a designation earned by fewer than 3% of all Morgan Stanley financial advisors. He is also a member of the Investment Management Consultants Association (IMCA). Brian earned a Bachelor of Science concentrating in finance and economics.
Brian has completed several marathons and Ironman triathlons including the prestigious Boston Marathon and the Ironman World Championships in Kona, Hawaii. Brian and his wife, Megan, have five children and support various community causes.
Brian is a Family Wealth Director, a designation earned by fewer than 3% of all Morgan Stanley financial advisors. He is also a member of the Investment Management Consultants Association (IMCA). Brian earned a Bachelor of Science concentrating in finance and economics.
Brian has completed several marathons and Ironman triathlons including the prestigious Boston Marathon and the Ironman World Championships in Kona, Hawaii. Brian and his wife, Megan, have five children and support various community causes.
Securities Agent: SC, LA, MA, IL, CO, AL, AK, TN, MI, FL, AZ, WI, PA, IN, HI, NY, NJ, MT, VA, MN, OR, MO, NM, KS, CT, CA, AR, WA, TX, OH, NV, NC, WV, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1278603
AR Insurance License #: 732696
NMLS#: 1278603
AR Insurance License #: 732696
About Amy E. Munsell
Bringing more than 20 years of experience in the Financial Services industry, Amy Munsell works as the Group Director for the Clark McKinney Group, while helping clients with various planning and investment activities. Amy started in the industry at Merrill Lynch, interning in 1999 as she worked toward her Finance degree. In 2000, Amy joined Smith Barney and has worked with the team ever since. She enjoys building lasting relationships with clients, and takes pride in her team's experience and detail-oriented and fast-paced nature. Above all, Amy treats clients like family and is passionate about helping them reach their goals.
Amy earned her Bachelor of Business Administration in Finance from Northeastern State University in Tahlequah, OK. She also holds her insurance license.
Outside of the office, Amy resides with her spouse and daughter, Jaden, while spending as much time as possible with her two bonus grown children. With various charities, Amy and her daughter actively engage in community service opportunities through National Charity League. In her free time, she enjoys running, working out, traveling and spending time with her family along with their two dogs and two cats.
Amy earned her Bachelor of Business Administration in Finance from Northeastern State University in Tahlequah, OK. She also holds her insurance license.
Outside of the office, Amy resides with her spouse and daughter, Jaden, while spending as much time as possible with her two bonus grown children. With various charities, Amy and her daughter actively engage in community service opportunities through National Charity League. In her free time, she enjoys running, working out, traveling and spending time with her family along with their two dogs and two cats.
About Nick Cordle
Having entered the financial services industry in 1994, Nick brings a wealth of knowledge and experience to the Team. Nick came to Morgan Stanley in 2012 as a Business Service Manager and served in that role for nine years prior to joining the CMT Group in 2021. Throughout his career Nick has been involved with all aspects of the wealth management business, but his primary focus has always been to maximize the client service experience.
Nick earned a Bachelor of Science in Business Administration from the University of Tulsa and a Master of Business Administration from Oklahoma City University. In addition, Nick holds the Chartered Financial Consultant (ChFC) designation.
Nick & his wife Megan enjoy traveling and attending Tulsa University sporting events. Nick is an avid motorcyclist and enjoys riding the backroads of America.
Nick earned a Bachelor of Science in Business Administration from the University of Tulsa and a Master of Business Administration from Oklahoma City University. In addition, Nick holds the Chartered Financial Consultant (ChFC) designation.
Nick & his wife Megan enjoy traveling and attending Tulsa University sporting events. Nick is an avid motorcyclist and enjoys riding the backroads of America.
About Jeana Keeter
With over 30 years of experience in the Financial Services industry and among those, more than 25 years with the team, Jeana Keeter is a Senior Registered Associate and Financial Planning Associate with the Clark/McKinney/Tramontana Group, helping clients with their financial planning, operational and administrative needs. Jeana started on the operations side of the industry in 1988 and moved out a few years after to assist financial advisor practices. After working together for many years, she takes pride in the team's coordination, passion and focus to help clients achieve their goals. Jeana holds her Series 7 and Series 63 licenses.
Outside of the office, Jeana enjoys spending time and traveling with her husband and daughter. She holds her family very closely and is grateful to be able to see her nieces and nephews regularly.
Outside of the office, Jeana enjoys spending time and traveling with her husband and daughter. She holds her family very closely and is grateful to be able to see her nieces and nephews regularly.
Contact Lisa Z Clark
Contact Brian C McKinney
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Clark McKinney Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Alternative 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.
6Morgan 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
7Morgan 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
13Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
14Morgan 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.
15Morgan 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.
16Morgan 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.
17The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
18Morgan 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.
19Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
20Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Alternative 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.
6Morgan 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
7Morgan 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
13Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
14Morgan 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.
15Morgan 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.
16Morgan 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.
17The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
18Morgan 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.
19Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
20Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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)
