Christopher Rapier
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Portfolio Management Director
Phone:
(217) 351-3627(217) 351-3627
The HRE Group at Morgan Stanley
Direct:
(217) 351-3624(217) 351-3624
Toll-Free:
(800) 355-1626(800) 355-1626
Our Mission Statement
We deliver personalized comprehensive wealth planning strategies designed to preserve and grow your life and legacy. Our down to earth approach allows us to work closely with our local clients and community.
About Us
For us, service means, much more than providing sound investment advice and strategic guidance. We value our clients as part of our close-knit financial family, and we are proud to serve our clients as a resource, a sounding board or even a sympathetic ear. Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinator and connector for all your wealth planning needs. We coordinate our work with other key members of your financial team, including your Tax specialist, Trust attorney, Insurance professional, and Family office
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Personalized Approach
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. We explore ways we may help you reach financial success. In our experience working with clients, we have developed a step-by-step approach to service.
1. Exploratory Meeting
Our work with you starts with one or more in-depth, exploratory meetings. We need to understand your unique financial situation so we can offer you the best possible advice and solutions.
2. Personalized Strategy
We develop a comprehensive financial strategy based on your individual needs. Our strategy incorporates your investment objectives, timeline, cash requirements and risk tolerance.
3. Investment Process
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios. We substitute discipline for emotion in the investment process.
4. Performance Check-In
Our team creates a personalized agenda for each meeting. We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. We maintain strict financial objectivity and avoid conflicts of interest. Our ultimate mission is your success and well-being.
Financial Planning Questionnaire
To begin your complementary financial planning analysis, please click the link below.
GPS FormVALUABLE TOOLS & RESOURCES:
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
2023 Federal Tax Table
This document outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2023 Tax Tables
2023 Maximum Benefit & Contribution Limits
This document highlights the maximum benefit contribution limits from 2017-2023.
View Maximum Benefit & Contribution Limits
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
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Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
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Social Security COLA Increase
Starting in January 2023, Social Security payments will go up by 8.7%.
The Social Security Administration has adjusted benefits payments annually for inflation since 1975. According to the SSA, Social Security benefits and Supplemental Security Income (SSI) payments are adjusted to reflect any increase in the cost of living as measured by the Consumer Price Index (CPI).
Social Security Fact SheetThe Social Security Administration has adjusted benefits payments annually for inflation since 1975. According to the SSA, Social Security benefits and Supplemental Security Income (SSI) payments are adjusted to reflect any increase in the cost of living as measured by the Consumer Price Index (CPI).
Secure 2.0 Act
Congress recently passed the SECURE 2.0 Act of 2022, which was signed into law by President Biden on December 29, 2022. SECURE 2.0 is a significant piece of retirement legislation that is intended to make it easier for businesses to offer retirement plans and for individuals to save for retirement.
Fact SheetUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
CERTIFICATIONS, DESIGNATIONS & AWARDS
Our Team has the extensive experience, specialized training, and resources necessary to help our clients address their unique goals and aspirations. Read below to understand more about our designation and how Morgan Stanley can help you achieve your goals.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/23.
Certified Financial Advisor (CFP®)
The Certified Financial Planner® certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training, and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
CFP Certification
Chartered Retirement Planning CRPC®
A Chartered Retirement Planning Counselor (CRPC) is someone with a professional financial planning designation awarded by the College for Financial Planning.
Chartered Retirement Plans Specialist (CRPS®)
Chartered Retirement Plans Specialist (CRPS) is a credential for those who create, implement, and maintain retirement plans for businesses.
Qualified Plan Financial Consultant (QPFC)
Qualified Plan Financial Consultant designation. QPFC is the professional credential for financial professionals who advise, market, or support qualified retirement plans.
Family Wealth Advisor (FWA)
The Family Wealth Advisor designation empowers financial advisors to build meaningful, multi-generational relationships with clients and their entire families, especially spouses, children, and aging parents.
Senior Investment Management Consultant (SIMC)
The Senior Investment Management Consultant designation allows financial advisors to help choose appropriate investments based on a collaborative, guided, and disciplined process.
Portfolio Management Director (PMD)
The Portfolio Management Director designations allows Financials Advisors to manage investment advisory accounts on a discretionary basis.
Location
1806 Fox Drive
Champaign, IL 61820
US
Direct:
(217) 351-3624(217) 351-3624
Toll-Free:
(800) 355-1626(800) 355-1626
Meet The HRE Group
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(217) 351-3624(217) 351-3624
Dillon Hoel
Financial Advisor, Financial Planning Specialist
Phone:
(217) 351-3620(217) 351-3620
Courtney Goembel
Portfolio Associate
Phone:
(217) 351-3614(217) 351-3614
About Christopher Rapier
Chris has been providing financial and wealth management advice and services since 1997. He has obtained the FINRA Series 6,7,9,10,63, & 65 licenses, as well as his Illinois Life and Health Insurance license. Chris concentrates on trust and estate planning issues in collaboration with clients’ tax and legal advisors. He also focuses on annuity and insurance services. He is a Senior Portfolio Manager in the firm’s Portfolio Management program, and has achieved the Senior Investment Management Consultant (SIMC) designation with Morgan Stanley's Consulting Group. Chris lives in Champaign, IL, with his wife Jill and three children: Beau, Emmaline and Elliott.
Securities Agent: NV, NJ, FL, GA, DE, VA, IL, MS, CT, NM, MN, DC, CO, CA, SC, PA, NE, NC, MI, IN, AL, AK, TX, RI, KS, WA, TN, MD, OR, MO, KY, ID, IA, MA, SD, OK, OH, NY, LA, AZ, WI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1265089
NMLS#: 1265089
About Caleb A Englehardt
Caleb has worked in the financial services industry since 1998, when he graduated from Eastern Illinois University with a Bachelor's Degree in Finance. He has obtained the FINRA Series 7 and 66 licenses, as well as his Illinois Life and Health Insurance and Property/Casualty Insurance licenses. Over his career, he has also obtained additional industry certifications: the Certified Financial Planner (CFP®) Designation, the Chartered Retirement Planning Counselor (CRPC®), and the Chartered Retirement Plans Specialist (CRPS®). Caleb focuses on development and implementation of long term financial strategies, with a particular emphasis on retirement planning. He is a Senior Portfolio Manager in the firm’s Portfolio Management program. Caleb and his wife, Kelley, live in Tuscola, IL along with their two children.
Securities Agent: MS, ID, DE, AL, NY, NE, MN, OH, KS, IN, IL, AK, SC, NV, PA, OK, MO, MI, TX, SD, NC, MD, IA, CT, NM, CO, CA, AZ, RI, MA, FL, VA, TN, LA, DC, WI, OR, KY, GA, WA, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1265096
NMLS#: 1265096
About Dillon Hoel
Dillon Hoel began his career in 2016 as a Wealth Advisor Associate after earning his bachelor’s degree in Finance from The University of Illinois. Dillon's current role is a Financial Planning Specialist, helping clients establish goals and develop plans to reach those goals. Dillon holds the Series 7 and Series 66 licenses as well. The relationships built with the clients is the most rewarding part of his role. Dillon strives to help clients succeed in every aspect of their lives. Clients' trust with their financial life is an honor he does not take lightly.
Dillon is heavily involved in sports in his local community. He is an avid golfer and volunteer with Tuscola's Little League baseball. Dillon's involvement playing and coaching has allowed him to thrive as a Financial Advisor. Sports has taught him how to overcome adversity, work together as a team and utilize a competitive spirit.
Dillon was born and still lives In Tuscola, Illinois. The community of Tuscola has shaped him into the person he is today. He loves the community and small-town upbringing. Dillon continues to repay his community so others can have the same experience.
Dillon is heavily involved in sports in his local community. He is an avid golfer and volunteer with Tuscola's Little League baseball. Dillon's involvement playing and coaching has allowed him to thrive as a Financial Advisor. Sports has taught him how to overcome adversity, work together as a team and utilize a competitive spirit.
Dillon was born and still lives In Tuscola, Illinois. The community of Tuscola has shaped him into the person he is today. He loves the community and small-town upbringing. Dillon continues to repay his community so others can have the same experience.
Securities Agent: DC, CA, IL, AL, AK, VA, TN, PA, OH, IN, TX, NV, MO, LA, SC, OR, NC, MD, DE, CT, WI, SD, MN, FL, NY, MS, WA, NE, KS, ID, IA, GA, CO, AZ, RI, OK, MA, NM, NJ, MI, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 2496733
NMLS#: 2496733
About Courtney Goembel
Courtney M Goembel is a Senior Registered Associate with Morgan Stanley. She has been with Morgan Stanley since 2009 and has over 15 years of experience in the financial services industry. Courtney holds the Series 7 and Series 66 licenses, Life and Health Insurance licenses and Portfolio Associates designation with Morgan Stanley. She currently serves as a Client Service Associate Coach for the Indianapolis Complex where she mentors and leads her peers.
Courtney holds a master’s degree from the University of Illinois in Business Administration as well as a bachelor’s degree from Eastern Illinois University in Psychology. Prior to Morgan Stanley Courtney was the General Manager for a restaurant chain which helped to enhance her customer service driven attitude.
Outside of work Courtney enjoys spending time with her fiancé Jason, their three children and two fury babies. She enjoys home renovations and long road trips. Courtney also serves as treasurer for the St. Peter’s Free Lutheran Church, secretary for the Gibson City Cyclones Swim Team and is an avid supporter of her friends and family.
Courtney holds a master’s degree from the University of Illinois in Business Administration as well as a bachelor’s degree from Eastern Illinois University in Psychology. Prior to Morgan Stanley Courtney was the General Manager for a restaurant chain which helped to enhance her customer service driven attitude.
Outside of work Courtney enjoys spending time with her fiancé Jason, their three children and two fury babies. She enjoys home renovations and long road trips. Courtney also serves as treasurer for the St. Peter’s Free Lutheran Church, secretary for the Gibson City Cyclones Swim Team and is an avid supporter of her friends and family.
Contact Christopher Rapier
Contact Caleb A Englehardt
Contact Dillon Hoel
Wealth Management
From Our Team
Tax-Smart Strategies for Your Retirement
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The HRE 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan 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.
5Annuities 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan 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.
5Annuities 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
