Brian Enns, CFP®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, CERTIFIED FINANCIAL PLANNER®, Alternative Investments Director
Phone:
(480) 368-6558(480) 368-6558
The Cohesive Wealth Management Group at Morgan Stanley
Direct:
(630) 573-9706(630) 573-9706
Toll-Free:
(800) 755-9755(800) 755-9755
Our Mission Statement
At The Cohesive Wealth Management Group at Morgan Stanley, we empower families, business owners, and entrepreneurs to transform financial success into enduring legacies. By crafting personalized strategies that preserve wealth across generations and align business and personal ambitions, we provide the clarity and confidence to navigate life's complexities.
Together, we build futures rooted in your vision and values - ensuring your hard-earned achievements create lasting impact for those who matter most.
Together, we build futures rooted in your vision and values - ensuring your hard-earned achievements create lasting impact for those who matter most.
The Cohesive Story
At The Cohesive Wealth Management Group at Morgan Stanley, we imagine your wealth as an expedition - an adventure filled with opportunities, challenges, and the promise of discovery. Every client's journey is unique, and we are the trusted guides who chart the course, navigate the terrain, and help you reach new summits.
Our team operates like an experience expedition crew, combining diverse experience to equip you for the challenges ahead. Whether it's mapping a path to generational wealth, scaling the complexities of business transitions, or finding balance between personal and professional goals, we are by your side every step of the way. With precision and foresight, we help ensure your journey is as smooth and rewarding as possible.
Every great story requires clear vision, the right tools, and a team you can trust. We've guided families as they built legacies that stretch generations, worked with entrepreneurs as they blazed trails to success, and supported business owners as they forged new paths forward. Together, we can help turn aspirations into milestones, and milestones into memories.
At The Cohesive Wealth Management Group at Morgan Stanley, we're not just wealth advisors - we're helping you explore new horizons, conquer obstacles, and build a legacy worthy of the journey. With our team, your financial expedition becomes more than a destination - it's a story of achievement, resilience, and purpose .
Services Include
- Stock Plan ServicesFootnote1
- Stock Option PlansFootnote2
- Business Succession PlanningFootnote3
- Alternative InvestmentsFootnote4
- Wealth ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Financial PlanningFootnote7
- Estate Planning StrategiesFootnote8
- Philanthropic Services
- Donor Advised Funds
- Trust Services*
- Life InsuranceFootnote9
- Corporate Retirement PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
At the Cohesive Wealth Management Group, we understand that our clients’ wealth is deeply intertwined with their values and aspirations.
Our approach is personalized to help ensure that their financial strategies align with what matters most to them.
By integrating clients’ money, values, and purpose into our holistic planning process, we pursue your financial goals with clarity, confidence, and a sense of meaning.
Our approach is personalized to help ensure that their financial strategies align with what matters most to them.
By integrating clients’ money, values, and purpose into our holistic planning process, we pursue your financial goals with clarity, confidence, and a sense of meaning.
Working With Our Team and Morgan Stanley
Partnering with The Cohesive Wealth Management Group means accessing the personalized service of a dedicated team backed by the global resources and expertise of Morgan Stanley. We combine our deep understanding of your unique financial needs with cutting-edge tools, research, and insights of one of the world's most trusted financial institutions.
This powerful combination allows us to deliver tailored strategies, innovative solutions, and a level of care that transforms wealth management into a seamless, impactful experience.
This powerful combination allows us to deliver tailored strategies, innovative solutions, and a level of care that transforms wealth management into a seamless, impactful experience.
See how adding alternative investments to your portfolio can benefit your financial plan in the long-run.
Valuable Tools and Resources
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
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Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
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Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured SolutionsLocation
2211 York Rd
Ste 100
Oak Brook, IL 60523
US
Direct:
(630) 573-9706(630) 573-9706
Toll-Free:
(800) 755-9755(800) 755-9755
8701 Bee Caves Rd
Ste 300
Austin, TX 78746
US
Direct:
(512) 275-3210(512) 275-3210
2211 York Rd
Suite 100
Oak Brook, IL 60523
US
Direct:
(630) 573-9706(630) 573-9706
Meet The Cohesive Wealth Management Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Alternative Investments Director, Portfolio Manager
Phone:
(512) 275-3210(512) 275-3210
Vice President, Financial Advisor, Financial Planning Specialist, Alternative Investments Director
Phone:
(630) 203-6103(630) 203-6103
Michelle Derkowski
Portfolio Associate
Phone:
(630) 573-9771(630) 573-9771
Dawn Lacy
Portfolio Associate
Phone:
(512) 469-3438(512) 469-3438
About Brian Enns
As a Financial Advisor, Brian utilizes over 27 years of experience to define and strive to meet your goals by delivering a vast array of resources in a way that’s most appropriate for how you invest and what you want to achieve. Brian helps you to preserve and grow your wealth, while having access to some of the worlds most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Brian has earned the title of Family Wealth Director, a designation that is currently held by approximately 5% of Morgan Stanley Financial Advisors. This designation allows Brian access to an exceptional group of wealth management professionals across a broad spectrum of needs and areas.
Born in Canada, Brian graduated from Arizona State University with a Bachelor of Science. Brian now resides in Scottsdale Arizona with his wife Casey, and two children Jake and Audrey.
Brian has earned the title of Family Wealth Director, a designation that is currently held by approximately 5% of Morgan Stanley Financial Advisors. This designation allows Brian access to an exceptional group of wealth management professionals across a broad spectrum of needs and areas.
Born in Canada, Brian graduated from Arizona State University with a Bachelor of Science. Brian now resides in Scottsdale Arizona with his wife Casey, and two children Jake and Audrey.
Securities Agent: MN, DE, NM, MT, ID, IA, AZ, WA, VA, KY, UT, OR, OH, NV, NJ, NE, GA, WI, MI, TN, RI, ME, FL, TX, NC, KS, AL, PR, PA, AK, SC, NY, NH, IN, IL, HI, DC, CO, MO, MD, MA, CT, CA, OK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278925
NMLS#: 1278925
About Brian Hammersley
After graduating from Indiana University in 2002, Brian fulfilled his lifelong dream of becoming a Financial Advisor. He joined his family at UBS, where he was mentored by his grandfather and learned the significance of integrity, honesty, and discipline when working with local families and businesses. His passion for helping clients align their Money, Values, & Purpose soon brought Brian to Morgan Stanley. Here, Brian continues to pursue one of his lifelong business goals: to assist in his client’s stewardship of assets for their philanthropic or family endeavors.
Brian is married to his wife, Kirsty and they have four children; Thatcher, Beckett, Georgia, & Jack. He spends his time enjoying the outdoors with the family, playing platform tennis, and golfing.
Brian is married to his wife, Kirsty and they have four children; Thatcher, Beckett, Georgia, & Jack. He spends his time enjoying the outdoors with the family, playing platform tennis, and golfing.
Securities Agent: IN, CA, VA, OR, OK, MT, MN, MA, KS, CT, AK, UT, IA, WI, NE, WA, TN, KY, TX, ME, MD, IL, ID, GA, FL, NM, DC, CO, AZ, RI, PA, OH, NC, AL, SC, PR, NY, NV, NJ, NH, MI, AR, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279094
NMLS#: 1279094
About Richard P Owen
Richard P. Owen is a dual citizen of the US and Australia. He has over a decade of global experience working in the Financial Services sector in London, Miami, Melbourne and Chicago. His background and experience brings to the table a unique perspective in helping people with their most important financial decisions. Richard works closely with clients to create individualized plans that meet their financial goals.
Richard resides in Elmhurst with his wife, Kristin and two children. An avid cultural explorer, Richard has traveled extensively through the US, Europe, Central America, Asia and Australia. A proud father, he is the founder of the Chicago Dad’s Group; an active member of ANZACC (Australian New Zealand American Chamber of Commerce) and has keen interest in tech start-ups and sports.
Richard resides in Elmhurst with his wife, Kristin and two children. An avid cultural explorer, Richard has traveled extensively through the US, Europe, Central America, Asia and Australia. A proud father, he is the founder of the Chicago Dad’s Group; an active member of ANZACC (Australian New Zealand American Chamber of Commerce) and has keen interest in tech start-ups and sports.
Securities Agent: IA, GA, WI, PR, PA, AK, NC, KY, VA, TX, SC, OH, MI, KS, FL, NV, NE, MO, UT, NJ, MN, MD, CT, CA, AL, NY, NM, IN, ID, TN, OR, OK, NH, ME, RI, MA, DC, CO, AZ, WA, MT, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265203
NMLS#: 1265203
About Ty Robben
Phone: 6305739706
Email: Ty.Robben@morganstanley.com
Ty joined Morgan Stanley in 2019 with a goal to work more directly with high-net worth families, entrepreneurs, and executives. This work has taught him the importance of providing personalized service as affluent families face complex challenges that are unique to them. He uses the latest technology to provide a modern wealth approach. This includes a detailed discovery process, tailored financial plans, and tools to manage investments and taxes.
Email: Ty.Robben@morganstanley.com
Ty joined Morgan Stanley in 2019 with a goal to work more directly with high-net worth families, entrepreneurs, and executives. This work has taught him the importance of providing personalized service as affluent families face complex challenges that are unique to them. He uses the latest technology to provide a modern wealth approach. This includes a detailed discovery process, tailored financial plans, and tools to manage investments and taxes.
Securities Agent: NH, FL, CA, PA, KS, AL, UT, TX, NJ, MN, CO, AZ, PR, OH, NE, MD, IA, TN, MO, WA, NY, MA, CT, SC, OK, MT, ME, DC, NV, NC, KY, IN, ID, AK, WI, VA, RI, NM, MI, IL, GA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2532663
CA Insurance License #: 4342588
NMLS#: 2532663
CA Insurance License #: 4342588
About Michelle Derkowski
Phone: 630-573-9771
Email: michelle.derkowski@morganstanley.com
Michelle grew up in Rockville, Maryland and graduated from Methodist University in Fayetteville, North Carolina with a Bachelor of Science degree in Sociology and Social Work. She has worked in the financial services industry since 1992 and holds several professional licenses including FINRA Series 7, Series 63, and Series 65. Michelle handles all of the teams account administration and client communications. Her inherent disposition to always help others, leads her to provide thorough, caring, and personal service to each client. Michelle enjoys traveling and spending time with her family. She resides in Elmhurst, Illinois with her husband Dave, and two daughters, Julia and Lauren.
Email: michelle.derkowski@morganstanley.com
Michelle grew up in Rockville, Maryland and graduated from Methodist University in Fayetteville, North Carolina with a Bachelor of Science degree in Sociology and Social Work. She has worked in the financial services industry since 1992 and holds several professional licenses including FINRA Series 7, Series 63, and Series 65. Michelle handles all of the teams account administration and client communications. Her inherent disposition to always help others, leads her to provide thorough, caring, and personal service to each client. Michelle enjoys traveling and spending time with her family. She resides in Elmhurst, Illinois with her husband Dave, and two daughters, Julia and Lauren.
About Dawn Lacy
Phone: 512-469-3438
Email: Dawn.Lacy@morganstanley.com
Dawn Lacy is a Portfolio Associate at Morgan Stanley in Austin, Texas. She is committed to delivering a high level of service and personalized solutions to clients. A born and raised Texan, Dawn grew up in South Texas and moved to College Station to attend Texas A&M University. After receiving her Bachelors of Arts in Marketing, Dawn spent 11 years in Houston with Merrill Lynch before coming to Morgan Stanley in Austin in 2006. Dawn is married with two sons and enjoys watching sports and boating on Lake LBJ.
Licenses
Series 7-General Securities Representative
Series 63-Uniform State Exam
Series 65-Investment Advisory Agent
Series 31-Managed Futures & Commodities
Series 3-National Commodities & Futures Exam
Email: Dawn.Lacy@morganstanley.com
Dawn Lacy is a Portfolio Associate at Morgan Stanley in Austin, Texas. She is committed to delivering a high level of service and personalized solutions to clients. A born and raised Texan, Dawn grew up in South Texas and moved to College Station to attend Texas A&M University. After receiving her Bachelors of Arts in Marketing, Dawn spent 11 years in Houston with Merrill Lynch before coming to Morgan Stanley in Austin in 2006. Dawn is married with two sons and enjoys watching sports and boating on Lake LBJ.
Licenses
Series 7-General Securities Representative
Series 63-Uniform State Exam
Series 65-Investment Advisory Agent
Series 31-Managed Futures & Commodities
Series 3-National Commodities & Futures Exam
Contact Brian Enns
Contact Brian Hammersley
Contact Richard P Owen
Contact Ty Robben
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
Jordan Hoerter
Private Banker
Amy Gross, CFP®
Financial Planning Director, Vice President
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
NMLS#: 1445073
About Amy Gross
Amy Gross is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Chicago suburbs. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Wealth Management
From Our Team
A $695 Annual Engagement Bonus
Wealth Management
Global Investment Office
Portfolio Insights
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Long Term Care Insurance
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Are You Prepared for Tax Day?
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Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Cohesive Wealth Management 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 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.
2Morgan 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.
3Morgan 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.
4Alternative 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
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 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.
2Morgan 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.
3Morgan 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.
4Alternative 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
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)
