Executive Director, Wealth Advisor, Corporate Retirement Director, Portfolio Management Director, Family Wealth Director
Phone:
(847) 291-5561(847) 291-5561
Milestone Planning Group at Morgan Stanley
Our Mission Statement
Seeing the Big Picture: Guiding you to and Through Life’s Milestones
About Us
Milestone Planning Group at Morgan Stanley is a multi-generational, multi-faceted team that is highly specialized in leadership, collaboration, and support. We’re a team that encourages creative thinking, feedback, and shared decision making which is reflected in each relationship we have with every client.
As a team, we’re fully committed to becoming the premier financial advisory group by elevating our clients, colleagues, and community to help them plan & achieve their life milestones.
As a team, we’re fully committed to becoming the premier financial advisory group by elevating our clients, colleagues, and community to help them plan & achieve their life milestones.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- 529 PlansFootnote3
- Cash Management and Lending ProductsFootnote4
- Asset Management
- Business PlanningFootnote5
- Fixed IncomeFootnote6
- Life InsuranceFootnote7
- Trust AccountsFootnote8
- Wealth ManagementFootnote9
- LGBT+ Planning ServicesFootnote10
- Divorce Financial AnalysisFootnote11
- Sustainable InvestingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Process
Services We Provide
FINANCIAL PLANNING: Goals Analysis, Retirement Income, Debt Analysis, Special Circumstances
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
Our Tailored Process
1. Discovery Process - We listen, learn, and identify what is important to you and your legacy
2. Develop Strategies - We determine risk and gather data to analyze current investments and create a financial plan
3. Onboarding Meeting - We present and discuss the plan
4. Deployment of Solutions - Focus on asset movement and assign responsibilities
5. Orientation Meeting - Meet and understand the team and "who to contact"
6. Wealth Team Integration - Develop and understand your network, liquidity needs, and secondary plans
7. Strategy/Tactical Meetings - Monitor, discuss, and adjust future transitions
2. Develop Strategies - We determine risk and gather data to analyze current investments and create a financial plan
3. Onboarding Meeting - We present and discuss the plan
4. Deployment of Solutions - Focus on asset movement and assign responsibilities
5. Orientation Meeting - Meet and understand the team and "who to contact"
6. Wealth Team Integration - Develop and understand your network, liquidity needs, and secondary plans
7. Strategy/Tactical Meetings - Monitor, discuss, and adjust future transitions
Planning
We take the time to listen and learn to each and every one of our clients’ goals, and clearly outline how we can help get them across the finish line. No one client is the same and we’re determined to collaboratively work with you and our team to implement the right solution for you.
Process
Our systematic investment solutions are paramount and comprehensively outline the level of service our clients can come to expect. There is a clear, collaborative line of communication that flows throughout which enables us to achieve one’s own as well as collective potential in helping our clients reach their life milestones.
Team
Acting as a team allows us to elevate each other and the clients we work with. Through sharing our goals, resources, and experience, it positively highlights our differences and allows us to become stronger by utilizing everyone’s strengths. There is always a constant showing of support and that’s something we take tremendous pride in.
Community
A healthy work/life balance is a key foundation of our team. We continue to maintain a heavy focus on giving our time, talents, and support back to the community in any way we can. It’s important to remember local communities have milestones of their own too, and we relish the opportunity to give back as best we can.
In The Press
2023-2025 Best-In-State Wealth Management Team
It is our pleasure to report that for the third consecutive year, Forbes included our team the Milestone Planning Group at Morgan Stanley on their list of “Best-In-State Wealth Management Teams". We are deeply honored by this recognition, as it is a reflection of the professionalism, service and dedication that we bring to every client relationship. Inclusion in the Best-In-State Wealth Management team ranking takes into account a host of both qualitative and quantitative factors, but we believe that the driving force behind this achievement is the relationships our team has built with our clients. As always, your financial future and security remains paramount and underlies all that we do.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes 2023, 2024, and 2025 Best In State Wealth Advisor - Philipp Weisskopf
It is our pleasure to report that Forbes included Philipp Weisskopf of the Milestone Planning Group at Morgan Stanley on their list of “Best-In-State" Wealth Advisors for 2023, 2024, and 2025. We are deeply honored by this recognition, as it is a reflection of the professionalism, service and dedication that he brings to every client relationship. Inclusion in the Best-In-State Wealth Advisors ranking takes into account a host of both qualitative and quantitative factors, but we believe that the driving force behind this achievement is the relationships our team has built with our clients. As always, your financial future and security remains paramount and underlies all that we do.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023-2025) Data compiled by SHOOK Research LLC based on12 month time period concluding in June of year prior to the issuance of the award.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023-2025) Data compiled by SHOOK Research LLC based on12 month time period concluding in June of year prior to the issuance of the award.
2022 and 2023 Forbes Top Next-Gen Wealth Advisors Best-In-State
It is our pleasure to report that Forbes included Michael Oxman at Morgan Stanley on their list of “Top Next-Gen Wealth Advisors Best-In-State". We are deeply honored by this recognition, as it is a reflection of the professionalism, service and dedication that he brings to every client relationship. Inclusion in the Top Next-Gen Wealth Advisors Best-In-State ranking takes into account a host of both qualitative and quantitative factors, but we believe that the driving force behind this achievement is the relationships our team has built with our clients. As always, your financial future and security remains paramount and underlies all that we do.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
Each advisor—selected by SHOOK Research—is chosen based on an algorithm of qualitative and quantitative criteria, including: in-person interviews; industry experience; compliance records; revenue produced; and assets under management. The Forbes Next-Gen Wealth Advisors rankings, developed by SHOOK Research, is based on an algorithm of qualitative criterion—mostly gained through telephone and in-person due diligence interviews—and quantitative data. Those advisors that are considered have a minimum of four years' experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass the highest standards of best practices. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK receive a fee in exchange for rankings.
2018-2019, 2022-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2023 ). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
Each advisor—selected by SHOOK Research—is chosen based on an algorithm of qualitative and quantitative criteria, including: in-person interviews; industry experience; compliance records; revenue produced; and assets under management. The Forbes Next-Gen Wealth Advisors rankings, developed by SHOOK Research, is based on an algorithm of qualitative criterion—mostly gained through telephone and in-person due diligence interviews—and quantitative data. Those advisors that are considered have a minimum of four years' experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass the highest standards of best practices. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK receive a fee in exchange for rankings.
2018-2019, 2022-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2023 ). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2018 Crain’s Chicago’s Notable Financial Advisers – Philipp Weisskopf
It is our pleasure to report that Crain’s included Philipp Weisskopf at Morgan Stanley on their list of “Chicago’s Notable Financial Advisers 2018.” Every year Crain’s Chicago Business creates a list of 40 outstanding wealth managers in the Chicagoland area that embody dedication, exceptional service, and professionalism. We are humbled to be counted among this esteemed group of our peers. But, even more than that, we are deeply honored by your trust and loyalty.
Recognition like this is not possible without great clients like yourself who maintain ongoing confidence in Philipp and in Morgan Stanley. It is truly our privilege to work with you in achieving the financial future you envision for you and your family. We look forward to continuing to serve you, now and far into the future.
Source: “Chicago’s Notable Financial Advisers 2018” October 22, 2018 as appearing in Crain’s Chicago Business, is based on nominations made to Crain’s. The criteria are that nominees must be based in the Chicago area, currently employed full time at a financial institution or company offering wealth management services, have a minimum 5 years’ experience, oversee at least $10 million in assets under advisement and contributions within the industry. The rating is not indicative of the Financial Advisors’ future performance. Neither Morgan Stanley Smith Barney LLC or its Financial Advisors paid a fee to Crain’s in exchange for the award.
Recognition like this is not possible without great clients like yourself who maintain ongoing confidence in Philipp and in Morgan Stanley. It is truly our privilege to work with you in achieving the financial future you envision for you and your family. We look forward to continuing to serve you, now and far into the future.
Source: “Chicago’s Notable Financial Advisers 2018” October 22, 2018 as appearing in Crain’s Chicago Business, is based on nominations made to Crain’s. The criteria are that nominees must be based in the Chicago area, currently employed full time at a financial institution or company offering wealth management services, have a minimum 5 years’ experience, oversee at least $10 million in assets under advisement and contributions within the industry. The rating is not indicative of the Financial Advisors’ future performance. Neither Morgan Stanley Smith Barney LLC or its Financial Advisors paid a fee to Crain’s in exchange for the award.
2018 and 2019 Forbes America’s Top Next Generation Wealth Advisors – Michael Oxman
It is our pleasure to report that Forbes included Michael Oxman at Morgan Stanley on their list of “America’s Top Next Generation Wealth Advisors.” We are deeply honored by this recognition, as it is a reflection of the professionalism, service and dedication that he brings to every client relationship. But, more than any accolade, we feel privileged that you have placed your trust in our Team to help you and your family achieve the financial future you envision.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
2018-2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2023 ). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Your enduring relationship with our Team is the primary measure of our success, and putting your best interests first is our top priority. Thank you for your ongoing confidence in us and in Morgan Stanley. We look forward to continuing to serve you, now and far into the future.
2018-2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2023 ). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Navigating Major Life Events
Most major life events have financial implications. We are here to help you through them and make the right financial decisions for you and your family.
Marriage
Few events are more exciting than when you decide to align your life with the person you love. We help you plan for these milestones and guide these conversations.
Divorce
Divorcing a spouse can be a difficult ordeal, with repercussions that affect your emotional and financial well-being. We can help you can prepare for these difficult situations and help you to feel more in control and better equipped to make informed decisions about your financial future.
Widowhood
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention. That is why we help you plan ahead to ensure that your wishes and your will are followed.
Retirement
Saving for retirement is a lifelong process that relies on defined financial planning strategies. We help guide you through this process each step of the way toward achieving their retirement goals.
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Business
From executive-level employment situations to other business ventures—from startups to established enterprises we can help you navigate the complexities of business ownership and investment and associated activities such as selling, divesting or planning for succession.
Birth
Welcoming a child into the family is a joyous occasion for everyone from parents and grandparents to aunts, uncles, siblings, cousins and other extended family members. Therefore, we help you and other family members plan and prepare for the financial components that a new child may introduce into your lives.
Education
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situations.
Community Involvement
A healthy work/life balance is a key foundation of our team. We continue to maintain a heavy focus on giving our time, talents, and support back to the community in any way we can.
It’s important to remember local communities have milestones of their own too, and we relish the opportunity to give back as best we can.
It’s important to remember local communities have milestones of their own too, and we relish the opportunity to give back as best we can.
The Cancer Wellness Center
Rhonda Salins serves on the Board of Directors
Through supportive care and education, the Cancer Wellness Center seeks to improve the emotional and physical well-being of people affected by cancer. All of their programs are offered free of charge.
Through supportive care and education, the Cancer Wellness Center seeks to improve the emotional and physical well-being of people affected by cancer. All of their programs are offered free of charge.
JUF- Jewish United Fund/ Jewish Federation Of Metropolitan Chicago
Michael Oxman is the Assistant Secretary serves on the the Board of Directors
JUF/Federation amplifies our collective strength to make the world a better place — for everyone. Community powered, JUF/Federation considers the totality of local and global Jewish needs and how to address them. From generation to generation, they help people connect to Jewish life and values, fueling a dynamic, enduring community that comes together for good.
JUF/Federation amplifies our collective strength to make the world a better place — for everyone. Community powered, JUF/Federation considers the totality of local and global Jewish needs and how to address them. From generation to generation, they help people connect to Jewish life and values, fueling a dynamic, enduring community that comes together for good.
Alpha Epsilon Pi
Michael Oxman serves on the Board of Directors
Alpha Epsilon Pi (AEPi) is the world’s Jewish college fraternity, operating chapters on more than 150 college campuses in four countries. The fraternity’s mission – developing the future leaders of the Jewish communities – is demonstrated every day through acts of brotherhood, Tzedakah, social awareness and support for Jewish communities and Israel.
Alpha Epsilon Pi (AEPi) is the world’s Jewish college fraternity, operating chapters on more than 150 college campuses in four countries. The fraternity’s mission – developing the future leaders of the Jewish communities – is demonstrated every day through acts of brotherhood, Tzedakah, social awareness and support for Jewish communities and Israel.
Maot Chitim
Philipp Weisskopf is an Executive Board member
The Mission of Maot Chitim of Greater Chicago is to provide meaningful volunteer opportunities, through the delivery of food and other necessities, to help those in need celebrate Jewish life with dignity and joy.
The Mission of Maot Chitim of Greater Chicago is to provide meaningful volunteer opportunities, through the delivery of food and other necessities, to help those in need celebrate Jewish life with dignity and joy.
Jewish Women International (JWI)
Nisa Kwall Salins helped launch the Chicago chapter and served on the Board
Jewish Women International (JWI) is the leading Jewish organization empowering women and girls – of every race, culture, ability, gender identity, and sexual orientation – by protecting their rights and safety, strengthening access to long-term economic security, and lifting and mentoring women leaders.
Jewish Women International (JWI) is the leading Jewish organization empowering women and girls – of every race, culture, ability, gender identity, and sexual orientation – by protecting their rights and safety, strengthening access to long-term economic security, and lifting and mentoring women leaders.
Other organizations we support include:
ADL, A&S Rescue, ASPCA, BBYO, Center on Halsted, Chicago Botanic Garden, Equality Illinois, Greater Chicago Food Depository, Highland Park Community Foundation, Lakeview Pantry, Lake Forest-Lake Bluff Senior Citizens Foundation, Lambda Legal, Lurie Children’s Hospital, One Tail at a Time, Ravinia, Rescued Rascals, Rotary Club of Lake Forest/Lake Bluff, United States Holocaust Memorial Museum, University of Illinois Alumni Association, Walter Schroeder Aquatic Center
Location
111 S Pfingsten Rd
Ste 200
Deerfield, IL 60015
US
Direct:
(847) 291-5561(847) 291-5561
Toll-Free:
(866) 771-3747(866) 771-3747
Fax:
(224) 677-2269(224) 677-2269
Meet Milestone Planning Group
Senior Vice President, Financial Advisor, Portfolio Manager, Insurance Planning Director, Lending Specialist
Phone:
(847) 291-5562(847) 291-5562
Phone:
(847) 278-9912(847) 278-9912
Phone:
(847) 480-3603(847) 480-3603
Kevin H Green, CFP®, CIMA®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(847) 480-5465(847) 480-5465
Jennifer Shifrin
Portfolio Associate
Phone:
(847) 291-5563(847) 291-5563
Cynthia Mariscal
Wealth Management Associate
Phone:
(847) 291-5544(847) 291-5544
Rafal Fidowicz
Portfolio Associate
Phone:
(847) 291-5503(847) 291-5503
April Henrichs
Client Service Associate
Phone:
(847) 291-5543(847) 291-5543
About Philipp Weisskopf
Philipp is an Executive Director, Wealth Advisor and Portfolio Management Director. In addition, he holds the Certified Financial Planner® and Certified Investment Management Analyst® designations. He began working for Morgan Stanley in 1997 after completing his M.B.A. at Loyola University (Chicago). While working with individual clients, he served as the Branch Manager of Morgan Stanley’s Highland Park office for three years. Philipp graduated from Lawrence University in 1992 with a B.S. in Liberal Arts and received his designation as a Certified Investment Management Analyst® in 2008 from the Wharton School of Business at the University of Pennsylvania. Philipp currently resides in Highland Park and is married with 3 sons. In his free time he enjoys trying new foods and traveling. Philipp is active with the Chicagoland Jewish community and sits on the board of Maot Chitim, a Jewish charitable organization. In 2018, Philipp was recognized for his success in the industry when he was designated as a Crain’s Chicago 2018 Notable Advisor.
Securities Agent: MT, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, VA, WA, WI, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278655
CA Insurance License #: 0K61231
AR Insurance License #: 785793
NMLS#: 1278655
CA Insurance License #: 0K61231
AR Insurance License #: 785793
About Michael Oxman
Michael is a Senior Vice President, Portfolio Manager, Insurance Planning Director, Lending Specialist & Financial Advisor with the Milestone Planning Group at Morgan Stanley. He holds the Chartered Financial Analyst (CFA) and Accredited Domestic Partnership Advisor® (ADPA) designations and has also been included in Forbes’ list of “America’s Top Next Generation Wealth Advisors” in 2018 and 2019. Michael has also been included in the 2022 and 2023 Forbes Top Next-Gen Wealth Advisors Best-in-State.
Michael joined Morgan Stanley as an intern in 2005 and then returned full-time upon graduation in 2006. Michael works with members of the team to provide tailored solutions to meet each one of his clients’ needs. Michael regards systematic and extensive planning when implementing comprehensive financial plans and carefully considers each clients’ needs and aspirations.
Michael graduated from Northwestern University in 2006 with a B.A. in Economics and Political Science. Michael was a former nationally ranked diver and dove at Northwestern where he served as one of the captains of the Men’s Swimming & Diving team. He was a five time Big Ten Finalist, winning bronze in the Men’s 10-meter platform at the Big Ten Finals his senior year, recognized for his academic excellence as an Academic All Big Ten Honoree each of his four undergraduate years.
Outside of work, Michael is heavily involved in several philanthropic organizations. He is on the Board of Directors and serves as the Assistant Secretary for the Jewish United Fund/ Jewish Federation of Metropolitan Chicago. He helped form the LGBTQ affinity group within the JUF in 2014 known as JUF Pride. In 2012, the JUF recognized Michael on their inaugural 36 under 36 list, featuring Jewish young adults in Chicago. Then in 2017, the JUF presented Michael the Jewish Federation Davis, Gidwitz & Glasser Young Leadership Award. He is also on the Board of Directors for both the Alpha Epsilon Pi Fraternity, and the Walter Schroeder Aquatic Center – the facility he used to dive at during his youth. Michael is also member of the Jewish Federations of North America (JFNA) National Young Leadership Cabinet.
In his leisure time, Michael loves to bike, whether he’s zipping around parts of Chicago or on his Peloton. He loves exploring new restaurants, walking along the lakefront, and traveling all over the word. Michael lives in Chicago with his husband, Doug, and their lovable Pit Bull, Herman. Michael also welcomed his son Harrison in the fall of 2023.
2018,2019,2022, 2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018,2019,2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Michael joined Morgan Stanley as an intern in 2005 and then returned full-time upon graduation in 2006. Michael works with members of the team to provide tailored solutions to meet each one of his clients’ needs. Michael regards systematic and extensive planning when implementing comprehensive financial plans and carefully considers each clients’ needs and aspirations.
Michael graduated from Northwestern University in 2006 with a B.A. in Economics and Political Science. Michael was a former nationally ranked diver and dove at Northwestern where he served as one of the captains of the Men’s Swimming & Diving team. He was a five time Big Ten Finalist, winning bronze in the Men’s 10-meter platform at the Big Ten Finals his senior year, recognized for his academic excellence as an Academic All Big Ten Honoree each of his four undergraduate years.
Outside of work, Michael is heavily involved in several philanthropic organizations. He is on the Board of Directors and serves as the Assistant Secretary for the Jewish United Fund/ Jewish Federation of Metropolitan Chicago. He helped form the LGBTQ affinity group within the JUF in 2014 known as JUF Pride. In 2012, the JUF recognized Michael on their inaugural 36 under 36 list, featuring Jewish young adults in Chicago. Then in 2017, the JUF presented Michael the Jewish Federation Davis, Gidwitz & Glasser Young Leadership Award. He is also on the Board of Directors for both the Alpha Epsilon Pi Fraternity, and the Walter Schroeder Aquatic Center – the facility he used to dive at during his youth. Michael is also member of the Jewish Federations of North America (JFNA) National Young Leadership Cabinet.
In his leisure time, Michael loves to bike, whether he’s zipping around parts of Chicago or on his Peloton. He loves exploring new restaurants, walking along the lakefront, and traveling all over the word. Michael lives in Chicago with his husband, Doug, and their lovable Pit Bull, Herman. Michael also welcomed his son Harrison in the fall of 2023.
2018,2019,2022, 2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018,2019,2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: WY, HI, KS, MD, OH, NJ, PR, TX, WI, WA, VA, TN, SC, RI, PA, OR, OK, NY, NV, NM, ND, NC, MT, MO, MN, MI, ME, MA, LA, KY, IN, IL, ID, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293915
CA Insurance License #: 1805294
AR Insurance License #: 15412596
NMLS#: 1293915
CA Insurance License #: 1805294
AR Insurance License #: 15412596
About Nisa Salins
Nisa Kwall is a Vice President, CERTIFIED FINANCIAL PLANNER™ (CFP), and Financial Planning Specialist with The Milestone Planning Group. Nisa specializes in recognizing what it is her clients are looking to achieve and working side-by-side with them to achieve it. Collaboration with clients and teammates alike, as well as a commitment to building relationships with those she serves, are pivotal focuses for Nisa as she helps guide clients in mapping out where they would like to be financially and putting together an actionable plan to get there.
Nisa’s passion for the Financial Service Industry started at a young age when she discovered how much she enjoyed learning about financial literacy, budgeting and most importantly helping people reach their financial goals. Heeding her father’s advice to peruse her passion, Nisa attended the University of Illinois, one of the only University’s with a Financial Planning curriculum at the time. During her time there, she spent three years as an intern for a Registered Investment Advisor before subsequently accepting an internship at Morgan Stanley in 2012.
Nisa graduated from the University of Illinois in 2013 with a B.A. in Agricultural and Consumer Economics with a Concentration in Financial Planning. Upon graduating, Nisa joined Morgan Stanley as a Wealth Advisor Associate. Nisa then joined the Financial Advisor Associate program and became a partner of the Milestone Planning Group in 2018.
Outside of work, Nisa is heavily involved in her native community of Deerfield, IL alongside her husband Jordan. Nisa helped launch the Chicago chapter of Jewish Women International (JWI) where she served on the Board as they looked to promote financial literacy and security. Additionally, she has always been and continues to be heavily involved with the Jewish United Federation (JUF) where she serves on various committees, volunteers at events, and participates in several their programs. In 2016, the JUF recognized Nisa on their annual 36 under 36 list of Jews in Chicago.
Nisa and Jordan love traveling and continue to conquer their bucket-list locations one destination at a time. Most notably, they’ve traveled to Italy, South Africa, and all over Australia! When they’re spending time at home, Nisa enjoys cooking, gardening in her vegetable garden, and walking all over Deerfield with their 2-year-old puppy, Meli.
Nisa’s passion for the Financial Service Industry started at a young age when she discovered how much she enjoyed learning about financial literacy, budgeting and most importantly helping people reach their financial goals. Heeding her father’s advice to peruse her passion, Nisa attended the University of Illinois, one of the only University’s with a Financial Planning curriculum at the time. During her time there, she spent three years as an intern for a Registered Investment Advisor before subsequently accepting an internship at Morgan Stanley in 2012.
Nisa graduated from the University of Illinois in 2013 with a B.A. in Agricultural and Consumer Economics with a Concentration in Financial Planning. Upon graduating, Nisa joined Morgan Stanley as a Wealth Advisor Associate. Nisa then joined the Financial Advisor Associate program and became a partner of the Milestone Planning Group in 2018.
Outside of work, Nisa is heavily involved in her native community of Deerfield, IL alongside her husband Jordan. Nisa helped launch the Chicago chapter of Jewish Women International (JWI) where she served on the Board as they looked to promote financial literacy and security. Additionally, she has always been and continues to be heavily involved with the Jewish United Federation (JUF) where she serves on various committees, volunteers at events, and participates in several their programs. In 2016, the JUF recognized Nisa on their annual 36 under 36 list of Jews in Chicago.
Nisa and Jordan love traveling and continue to conquer their bucket-list locations one destination at a time. Most notably, they’ve traveled to Italy, South Africa, and all over Australia! When they’re spending time at home, Nisa enjoys cooking, gardening in her vegetable garden, and walking all over Deerfield with their 2-year-old puppy, Meli.
Securities Agent: VA, WA, WY, WI, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NJ, NM, NH, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1310714
CA Insurance License #: 4095388
AR Insurance License #: 18654390
NMLS#: 1310714
CA Insurance License #: 4095388
AR Insurance License #: 18654390
About Rhonda B Salins
Rhonda is a Senior Vice President, Financial Advisor and Financial Planning Specialist. In addition, she holds the Certified Divorce Financial Analyst®. Rhonda has over 30 years of experience helping high-net-worth individuals and small business owners achieve their financial goals. Prior to joining Morgan Stanley Smith Barney through predecessor firms in 1979, Rhonda participated in the First Scholar Program, an officer's training program at The First National Bank of Chicago. Rhonda earned a B.S. in Business Administration from the University of Illinois, and a Master's of Management Degree from Kellogg Graduate School of Business at Northwestern University. Rhonda is active in several charitable organizations, including the Cancer Wellness Center in Northbrook, Illinois and the U.S. Holocaust Memorial Museum in Washington D.C. She enjoys reading and traveling. Rhonda has three adult children and resides in Highland Park, Illinois with her husband.
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
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
Securities Agent: AZ, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, VA, WA, WI, WY, CA, NH, AK, AL, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255748
CA Insurance License #: 0123347
NMLS#: 1255748
CA Insurance License #: 0123347
About Kevin H Green
Kevin is a Senior Vice President of Investments at Morgan Stanley. He has been with the firm for almost three decades and has become a member of the Morgan Stanley Master’s Club. Kevin has been designated as a Senior Investment Management Consultant, an honor given to the top financial consultants employing professional asset managers through Morgan Stanley’s Consulting Group. Kevin has also obtained the Portfolio Management Director title, indicative of a measured adherence to portfolio management principles. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and also holds the prestigious Certified Investment Management Analyst (CIMA®) designation from the University of Pennsylvania’s Wharton School of Business’s distinguished Investment Management Analyst Program. Kevin graduated from the University of Illinois with a BS in Accountancy where he also obtained his CPA certification (now non-practicing). He graduated from Northwestern University with a JD degree in 1983. His diverse educational background and knowledge of Accounting, Law, and Financial Planning allows him to provide comprehensive investment and estate planning analysis for his clients. Kevin is a member of K.I.D.S.S. for KIDS, an auxiliary of Children’s Memorial Hospital, as well as active in the Jewish United Fund of Metropolitan Chicago. In his leisure time, Kevin enjoys relaxing with his wife Robin. He is an avid golfer and reader.
Securities Agent: FL, ID, MT, NJ, ME, PR, WY, TX, WI, WA, VA, TN, SC, RI, PA, OR, OK, OH, NY, NV, NM, NH, ND, NC, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275800
NMLS#: 1275800
About Jennifer Shifrin
Jennifer is a Portfolio Associate at the Milestone Planning Group here at Morgan Stanley. As the leader of our operations team, she is a crucial asset for Milestone Planning Group as she assists in maintaining client relationships, providing client service support and analysis, and performing daily operational management for the team. Additionally, Jen holds her Series 7 and 63 licenses.
Jennifer originally began her career in 2007 as a Portfolio Management Analyst in corporate banking for Citigroup. She continued to develop her financial analysis skills for CenterPoint Properties in 2009 until she joined Morgan Stanley in 2011. Prior to her professional career in the financial services industry, Jennifer graduated with high honors from the University of Illinois with a B.S. in Finance.
Jennifer now resides in Deerfield with her husband, son, and daughter where she enjoys long family walks and playing at the park with her kids; as well as yoga, dancing, traveling & trying new restaurants in her free time.
Jennifer originally began her career in 2007 as a Portfolio Management Analyst in corporate banking for Citigroup. She continued to develop her financial analysis skills for CenterPoint Properties in 2009 until she joined Morgan Stanley in 2011. Prior to her professional career in the financial services industry, Jennifer graduated with high honors from the University of Illinois with a B.S. in Finance.
Jennifer now resides in Deerfield with her husband, son, and daughter where she enjoys long family walks and playing at the park with her kids; as well as yoga, dancing, traveling & trying new restaurants in her free time.
About Cynthia Mariscal
Cynthia is a Wealth Management Associate and the most recent addition to the Milestone Planning Group here at Morgan Stanley. She is an essential asset to the team as she ensures that all client concerns are handled as quickly and carefully as possible, while taking pride in maintaining the excellent client service that they have come to know in their interactions with The Milestone Planning Group. Cynthia is a holder of her series 7, 63, and 65 licenses as well as her variable life & health insurance licenses.
Cynthia graduated from Robert Morris University in 2016 with a bachelor’s degree in business administration – management. She began her career in the financial services industry at First Midwest Bank as a personal banker. She then went on to work for Wells Fargo, Merrill Lynch, and RBC Wealth Management where she was a Financial Advisor, Senior Registered Wealth Associate, and a Senior Registered Client Associate, respectively.
Cynthia now lives in Buffalo Grove with her husband, and their two boys. During her free time, Cynthia loves traveling, audiobooks & podcasts, exploring new restaurants & cuisine, and spending quality time outdoors with her family.
Cynthia graduated from Robert Morris University in 2016 with a bachelor’s degree in business administration – management. She began her career in the financial services industry at First Midwest Bank as a personal banker. She then went on to work for Wells Fargo, Merrill Lynch, and RBC Wealth Management where she was a Financial Advisor, Senior Registered Wealth Associate, and a Senior Registered Client Associate, respectively.
Cynthia now lives in Buffalo Grove with her husband, and their two boys. During her free time, Cynthia loves traveling, audiobooks & podcasts, exploring new restaurants & cuisine, and spending quality time outdoors with her family.
About Rafal Fidowicz
Rafal is a Registered Client Service Associate at the Milestone Planning Group here at Morgan Stanley. Rafal joined Morgan Stanley in 2018 and is an integral part of the Milestone Planning Group team in which he carries several responsibilities including client administration, marketing and research, and helping with the teams overall day-to-day operations. Rafal is also a current holder of his Series 7 and 63 licenses.
Prior to joining Morgan Stanley, Rafal attended the University of Illinois at Chicago and graduated with a B.S. with a major in finance. After graduating, he went on to begin his career in the financial services industry where he focused on the self-directed investment field where he assisted and helped clients understand personal investing and trading.
Rafal lives with his wife, Eva, and their cat Elfi. Outside of the office, Rafal enjoys playing soccer, traveling and riding his motorcycle, and donating his time to charities and volunteer organizations within his local community.
Prior to joining Morgan Stanley, Rafal attended the University of Illinois at Chicago and graduated with a B.S. with a major in finance. After graduating, he went on to begin his career in the financial services industry where he focused on the self-directed investment field where he assisted and helped clients understand personal investing and trading.
Rafal lives with his wife, Eva, and their cat Elfi. Outside of the office, Rafal enjoys playing soccer, traveling and riding his motorcycle, and donating his time to charities and volunteer organizations within his local community.
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The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Andrew Dittbenner
Private Banker
About Andrew Dittbenner
Andrew Dittbenner 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.
Andrew began his career in financial services in 2010 and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at BMO Harris Bank, as well as a Financial Center Manager with the Fifth Third Bank.
Andrew received a Bachelor of Science in Business Marketing from Northern Illinois University. He and his wife live in Batavia, Illinois. When not at the office, Andrew volunteers with the Make a Wish Foundation. He also enjoys attending sporting events, as well as spending time with family and friends.
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.
Andrew began his career in financial services in 2010 and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at BMO Harris Bank, as well as a Financial Center Manager with the Fifth Third Bank.
Andrew received a Bachelor of Science in Business Marketing from Northern Illinois University. He and his wife live in Batavia, Illinois. When not at the office, Andrew volunteers with the Make a Wish Foundation. He also enjoys attending sporting events, as well as spending time with family and friends.
NMLS#: 718951
Wealth Management
From Our Team
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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Are You Prepared for Retired Life?
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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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529 Plans: A Powerful Tool to Save for Education
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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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.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
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State of the Workplace Study 2023
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Ready to start a conversation? Contact Milestone Planning 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 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.
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.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Morgan Stanley Smith Barney LLC 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
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
11Morgan 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.
12The 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.
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 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.
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.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Morgan Stanley Smith Barney LLC 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
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
11Morgan 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.
12The 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.
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)
