Rick Grimshaw, CPM®, CIMA®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(503) 221-7616(503) 221-7616
The Columbia Shores Group at Morgan Stanley
Rick Grimshaw, CPM®, CIMA®D. Mike Collins, CFP®, CPM®Jack Jagla, CFP®Laurel Numbers, CAP®, RICP®Will Williams
Direct:
(503) 221-7616(503) 221-7616
Toll-Free:
(800) 547-1526(800) 547-1526
Our Mission Statement
We strive to serve as your family's lifelong wealth management advisory team.
Our Story
We are a multi-generational team at Morgan Stanley where our main focus is
the needs and goals of our individual clients. It is essential to build a strong
relationship, based on trust and transparency…continually striving for an
open and collaborative experience. We work alongside you, your CPA and
Attorney to formulate an individualized plan; and desire to serve as your
family’s lifelong wealth management advisory team.
the needs and goals of our individual clients. It is essential to build a strong
relationship, based on trust and transparency…continually striving for an
open and collaborative experience. We work alongside you, your CPA and
Attorney to formulate an individualized plan; and desire to serve as your
family’s lifelong wealth management advisory team.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
Step 1: Discovery Process
Investing the time to learn about you and your family, your assets and liabilities, as well as the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Step 2: Analyze
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Step 3: Planning & Strategy
Your customized asset allocation reflects risk, opportunities, and taxation across multiple entities, while integrating your investing and estate plans.
Step 4: Implementation
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Step 5: Ongoing Monitoring
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
Disclosures:
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. 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in—moving ahead in your career, enjoying retirement, or somewhere in between—as your Financial Advisory Team, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve your goals—a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve your goals—a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal Tax Tables
Financing Capabilities
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Build the Best Budget for You
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Insured Solutions: Protection for the Unexpected
Comprehensive Planning
Leading up to and through retirement, we help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Plan Your Goals
Estate & Trust Services
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Estate Planning Checklist
Account Management
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
The Tax-Smart PortfolioSee the tools that Morgan Stanley has to offer
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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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.
Learn MoreWe are proud to have been recognized by Forbes on their Best-in-State Wealth Management Team for three consecutive years.
2025 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher).
2024 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (2024) Forbes Best-In-State Wealth Management Teams ranking awarded in 2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher).
2023 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (2023) Forbes Best-In-State Wealth Management Teams ranking awarded in 2023. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher)
Location
760 SW 9th Ave
Ste 2100
Portland, OR 97205
US
Direct:
(503) 221-7616(503) 221-7616
Toll-Free:
(800) 547-1526(800) 547-1526
1701 SE Columbia River Dr
Ste 120
Vancouver, WA 98661
US
Direct:
(360) 992-7986(360) 992-7986
Meet The Columbia Shores Group
D. Mike Collins, CFP®, CPM®
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(360) 992-7986(360) 992-7986
Jack Jagla, CFP®
First Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(503) 221-7693(503) 221-7693
Laurel Numbers, CAP®, RICP®
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(360) 992-7987(360) 992-7987
Will Williams
Portfolio Associate
Phone:
(503) 221-8678(503) 221-8678
Sam Watry, CFA
Assitant Vice President, Consulting Group Analyst
Phone:
(503) 534-3414(503) 534-3414
About Rick Grimshaw
Rick has been with Morgan Stanley and its predecessor firms since 2004, and in the investment profession since 1983. He is a Senior Vice President, Senior Portfolio Management Director and served as Branch Manager of two Portland-area Morgan Stanley branch offices from 2011-2014. He holds the Certified Portfolio Manager® and Certified Investment Management AnalystSM professional designations. Rick is a native of Portland, Oregon and received B.A. degrees from the University of Oregon in Communications and Management. He is active in the Oregon Executives Association and served as Treasurer for the Episcopal Diocese of Western Oregon, 2019-2022. He was also awarded the Bill Eager Award, as 2013 Portfolio Manager of the Year, by the Portfolio Management Institute®, and was the organization’s President in 2010-11. Rick is also a proud Eagle Scout.
Rick lives in West Linn, Oregon with his wife Vickie, a self-employed jewelry designer. They have two children, Bryan and Katie. Bryan graduated from Eastern Oregon University in 2009 and is a self-employed contractor in La Grande, Oregon. Katie graduated from Portland State University in 2013 and works in global brand marketing. They have been blessed with three grandchildren! Rick and Vickie enjoy time away on the Oregon Coast, where he keeps his fully restored, 1943 Willys MB Military Jeep, inherited from his grandfather. As part of the Morgan Stanley Core Value of “Giving Back”, Rick and Vickie actively support the Oregon Historical Society, Lakewood Center for the Arts, the University of Oregon Foundation, Oregon Public Broadcasting, the Episcopal Church Foundation and the Morgan Stanley Foundation; all via regular giving.
Rick lives in West Linn, Oregon with his wife Vickie, a self-employed jewelry designer. They have two children, Bryan and Katie. Bryan graduated from Eastern Oregon University in 2009 and is a self-employed contractor in La Grande, Oregon. Katie graduated from Portland State University in 2013 and works in global brand marketing. They have been blessed with three grandchildren! Rick and Vickie enjoy time away on the Oregon Coast, where he keeps his fully restored, 1943 Willys MB Military Jeep, inherited from his grandfather. As part of the Morgan Stanley Core Value of “Giving Back”, Rick and Vickie actively support the Oregon Historical Society, Lakewood Center for the Arts, the University of Oregon Foundation, Oregon Public Broadcasting, the Episcopal Church Foundation and the Morgan Stanley Foundation; all via regular giving.
Securities Agent: UT, PA, IN, AZ, VA, NV, MO, DC, MN, FL, WA, CA, AK, NJ, IA, AR, MI, IL, WY, WI, TX, OR, NY, MA, ID, GA, CO, OH, NC, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282906
NMLS#: 1282906
About D. Mike Collins
Mike has been with Morgan Stanley and its predecessors since March, 2004 and in the financial services industry since December, 1998. He is a long time native of Portland, Oregon and received his B.A. degree in Finance and Accounting from the University of Oregon.
Mike and his wife, Leann, are high school sweethearts and have been married going on 37 years. They live on 20 acres up in the woods of Washougal, Washington. They have six grown children and nine grandchildren with more on the way! Leann manages their real estate holdings, while Mike serves the local community as an active-duty volunteer Fireman and Emergency Medical Technician with Skamania County Fire District #4. Both he and Leann are active members of Gateway Community Church, and love to do all things outdoors.
Mike and his wife, Leann, are high school sweethearts and have been married going on 37 years. They live on 20 acres up in the woods of Washougal, Washington. They have six grown children and nine grandchildren with more on the way! Leann manages their real estate holdings, while Mike serves the local community as an active-duty volunteer Fireman and Emergency Medical Technician with Skamania County Fire District #4. Both he and Leann are active members of Gateway Community Church, and love to do all things outdoors.
Securities Agent: ID, CO, WI, WA, PA, OH, NY, FL, DC, AR, NC, MI, AK, MO, IN, WY, TX, IL, IA, GA, AL, OR, NJ, MA, CA, AZ, MN, KY, UT, TN, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1487145
NMLS#: 1487145
About Jack Jagla
Jack graduated from the University of Denver with a degree in Business Administration and a focus in Finance. He joined Morgan Stanley in 2013 as a Wealth Advisory Associate, a position focused on helping to create comprehensive financial plans for clients. Now a Financial Advisor, he is using that knowledge to help the Team’s clients in the planning process.
Jack and his wife, Katie, live in Milwaukie, Oregon. They are proud parents of James, who will celebrate his second birthday in March. They enjoy live music, going to the park, hiking and travelling. Jack attained his Certified Financial Planner, CFP® designation in October of 2020. Jack enjoys cycling and is a competitive bowler, competing weekly in a league and tournaments around the Metro area. He is on the Board of Directors of Oregon Executives Association, the oldest networking group in Portland.
Jack and his wife, Katie, live in Milwaukie, Oregon. They are proud parents of James, who will celebrate his second birthday in March. They enjoy live music, going to the park, hiking and travelling. Jack attained his Certified Financial Planner, CFP® designation in October of 2020. Jack enjoys cycling and is a competitive bowler, competing weekly in a league and tournaments around the Metro area. He is on the Board of Directors of Oregon Executives Association, the oldest networking group in Portland.
Securities Agent: PA, MN, MI, AR, WY, OH, AZ, AK, WA, NC, FL, MT, WI, MS, GA, TX, OR, MO, MA, ID, IA, IL, NY, PR, NJ, IN, DC, CO, AL, UT, NV, HI, CA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1492055
NMLS#: 1492055
About Laurel Numbers
As part of our team, Laurel serves a diverse community of investors. She has a special focus on helping widows and other women tasked with directing their own financial journey, whether it be in estate settlement, divorce or more. Being able to understand pros and cons of financial choices is critical, as she wants to understand goals and limitations in the decision process. Bringing in qualified professionals in taxes, insurance and estate tax concerns becomes essential to find the best fit for all.
Laurel lives in Vancouver, Washington in an area with a lot of vintage homes. She has two adult children and three “grand-dogs”. Hobbies include architecture and history, with a special bent to the work of Frank Lloyd Wright!
Laurel lives in Vancouver, Washington in an area with a lot of vintage homes. She has two adult children and three “grand-dogs”. Hobbies include architecture and history, with a special bent to the work of Frank Lloyd Wright!
Securities Agent: ID, AK, WI, OR, MO, VA, OH, MN, IN, AZ, AR, TX, CO, KY, UT, MA, WA, NY, NV, IL, IA, NC, MI, DC, WY, NJ, GA, CA, AL, PA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1446198
NMLS#: 1446198
About Will Williams
Will joined Morgan Stanley in February 2020 with over 10 years of experience in the financial services field. He has always had a passion for working in finance. Will graduated from the California State University in San Marcos with a degree in Business Administration, with an emphasis in Finance. In 2010, while still in college, he started in the financial services industry by working part-time at Moffat Financial Group, a small, family-run financial planning firm in Bonsall, California. Once he completed his degree in 2011, Will was brought on full-time and became the firm’s Operations/Client Service Administrator.
Will relocated to the Portland area in 2014 and worked as an Operations Associate for a small broker dealer. In late 2015, he joined Umpqua Investments as an Operations Associate, then was promoted to a Registered Client Associate in 2017 and completed his FINRA Series 7 and Series 66 licenses. Will prides himself on providing an outstanding customer service experience for each and every client and is a very important resource for the Columbia Shores Group. He is the first point of contact for service, operations and Morgan Stanley online for our clients.
Will and his wife, Taylor, live in the Gresham area with their Labrador Retriever. In their free time, they enjoy visiting Oregon wine country and hiking with their dog.
Will relocated to the Portland area in 2014 and worked as an Operations Associate for a small broker dealer. In late 2015, he joined Umpqua Investments as an Operations Associate, then was promoted to a Registered Client Associate in 2017 and completed his FINRA Series 7 and Series 66 licenses. Will prides himself on providing an outstanding customer service experience for each and every client and is a very important resource for the Columbia Shores Group. He is the first point of contact for service, operations and Morgan Stanley online for our clients.
Will and his wife, Taylor, live in the Gresham area with their Labrador Retriever. In their free time, they enjoy visiting Oregon wine country and hiking with their dog.
About Sam Watry
Sam has been with the Firm since 2011 and in the Financial Industry since 2007. He earned the right to use the CFA Charter in 2013 and continues to be an active member in the local society. Growing up in Southeastern Wisconsin, he is a shareholder and fan of the Green Bay Packers. Having lived in the Portland area for over a decade, he can often be found at Providence Park rooting on the Timbers. Sam and his wife Katie have two young children which keep them very active. He is an avid rafter, a member of the Oregon Whitewater Association, and enjoys spending his free time rafting, camping, hiking and all things outdoors. Sam is an AFS Alumnus, after spending a year in Zurich, Switzerland, plus spent a year living in Saint Petersburg, Russia while his parents taught English. This role cannot solicit or provide investment advice
Contact Rick Grimshaw
Contact D. Mike Collins
Contact Jack Jagla
Contact Laurel Numbers
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Family
Creating customized financial strategies for the challenges that today’s families face.
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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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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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.
Ready to start a conversation? Contact The Columbia Shores Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7The 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7The 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.
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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
