Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Lending Specialist
Phone:
(303) 925-9621(303) 925-9621
The Denver Wealth Management Group at Morgan Stanley
Direct:
(303) 925-9621(303) 925-9621
Toll-Free:
(800) 347-5099(800) 347-5099
Our Mission Statement
Helping you in family wealth planning for your family’s unique goals
Our Story
The Denver Wealth Management Group strongly believes in comprehensive wealth management including investment management, liability management and financial planning. Having a strategic plan will help to ensure you are on track to meet your unique financial goals. We leverage the capabilities of Morgan Stanley’s global resources and our team based approach to provide clients with a wide variety of vehicles to help them achieve success.
Our team is positioned to provide you and your family with a superior experience. We strive to become the primary source of financial guidance for your family, providing you with comprehensive advice, financial direction, and risk management. We routinely review your current financial position and reevaluate your short term needs and long term goals. Our commitment is to you, to help ensure you and your family are on track towards financial success.
We invite you to explore our website to learn more about us as a team and what we do. If you would like to discuss your individual situation we are happy to sit down with you. To learn more, call or send an email. We are looking forward to working with you.
Our team is positioned to provide you and your family with a superior experience. We strive to become the primary source of financial guidance for your family, providing you with comprehensive advice, financial direction, and risk management. We routinely review your current financial position and reevaluate your short term needs and long term goals. Our commitment is to you, to help ensure you and your family are on track towards financial success.
We invite you to explore our website to learn more about us as a team and what we do. If you would like to discuss your individual situation we are happy to sit down with you. To learn more, call or send an email. We are looking forward to working with you.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Lending Products
- 401(k) Rollovers
- Alternative InvestmentsFootnote4
- Asset Management
- Cash ManagementFootnote5
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Fixed IncomeFootnote8
- Retirement PlanningFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Goals-Based Approach
Our process focuses on what is important to you, your family and your legacy. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Step 1: Introduction
We begin with an informal discussion to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
Step 2: Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
Step 3: Asset Transfer
With your approval, we begin to transfer your assets to Morgan Stanley. Once transferred, we begin our goals-based financial planning process.
Step 4: Analysis & Plan Development
Utilizing proprietary tools and insights from Morgan Stanley, we develop a personalized financial plan that integrates virtually all your available assets into one integrated plan.
Step 5: Plan Presentation & Implementation
In this step, we present appropriate strategies that are designed to work together to help achieve your goals. Upon your approval, we will initiate the investment recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management, as well as estate and legacy planning strategies.
Step 6: Ongoing Service
Committed to premium service, we focus on developing a relationship that provides dedicated value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings in an effort to ensure your plan remains on schedule to achieve your goals.
Customized Solutions
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to help achieve your particular priorities and goals.
Wealth Management
Wealth management brings various dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with confidence.
Endowments & Foundations
Committees and administrators are faced with the complex task of developing appropriate investment policy statements, understanding how to assess performance and finding superior fund managers. I can help you and your investment committee reduce risk and increase returns, so you can preserve principal and generate income to be used for your philanthropic endeavors.
Estate Planning Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Lending Products
We believe it’s important to consider all aspects of your finances when building your plan for the future. We offer a broad array of lending solutions that work together to complement your existing investment strategy.
Life Insurance
Life’s risks can manifest themselves in many ways – from loss of life to loss of health – and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number or ways, ranging from insurance reviews to liquidity strategies.
Planning For Education Funding
Helping meet the educational costs of children and grandchildren may be one of the most personal fulfilling investments you can make. We are here to help you develop strategies and investment recommendations that can help ensure the people in your life get the education they need to succeed.
Socially Responsible Investing
Many investors are seeking meaningful ways to create positive economic, social and environmental impact through the investments they make in their portfolio. Socially Responsible Investing focuses on aligning financial goals – which are driven by economic fundamentals – with impact goals – which are driven by personal values and mission. We can help you integrate these themes into your investment strategy.
Disclaimer:
The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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.
Disclaimer:
The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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.
Media & Research
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
This Week's ArticleLocation
5251 Dtc Parkway
Suite 1500
Greenwood Village, CO 80111
US
Direct:
(303) 925-9621(303) 925-9621
Toll-Free:
(800) 347-5099(800) 347-5099
Meet The Denver Wealth Management Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(715) 358-7137(715) 358-7137
Michelle Spada
Portfolio Associate
Phone:
(720) 488-2314(720) 488-2314
Emelia Truett
Senior Registered Associate
Phone:
(720) 488-2349(720) 488-2349
Kelly Gaskins Widvey
Senior Registered Associate
Phone:
(303) 925-9656(303) 925-9656
About Jeff Nelligan
Jeff Nelligan, CFP®
Senior Vice President – Wealth Management
Family Wealth Director
A fifth-generation Colorado native, Jeff is a Senior Vice President and Financial Advisor with Morgan Stanley and carries the firm’s Family Wealth Director designation, having satisfied rigorous accreditation requirements.
With more than 27 years of wealth management experience at Morgan Stanley, Jeff provides highly customized advice, investment solutions, and wealth management services to high net worth individuals, business owners, foundations and endowments. He listens carefully to his clients’ goals, values, and concerns and works tirelessly to help make a difference in their lives by providing holistic wealth management services with passion and integrity.
Jeff has been honored the Five Star Wealth Manager award from 2012-2023 and has been asked to offer his advice in several publications of the Colorado Biz Magazine and Denver’s 5280 magazine, both in print and online. In addition, Jeff was named in Forbes magazine as one of the top wealth advisors in Colorado in Forbes in 2018, 2019, 2020, 2021, 2022, and 2023.
A graduate of the University of San Diego with a Bachelor of Science degree in Business, Jeff has continued to invest in his education throughout his long and rewarding career at Morgan Stanley. In 2001, he earned the designation Certified Financial Planner®. Most recently, Jeff attained the prestigious Morgan Stanley designation of Family Wealth Director. This credential, achieved by less than two percent of the Morgan Stanley Financial Advisor population as of December 2023, places Jeff in a category of financial advisors who are qualified to service the sophisticated needs of ultra-high net worth clients.
Jeff currently resides in Denver with his wife, Alison, and their three children. He is active in the community, most notably as a member of the Board of Directors of the Metro Denver Boys and Girls Club. In his leisure time, he enjoys spending time with his family and friends, and particularly enjoys coaching, skiing, golfing, fishing, and travel.
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2023) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Senior Vice President – Wealth Management
Family Wealth Director
A fifth-generation Colorado native, Jeff is a Senior Vice President and Financial Advisor with Morgan Stanley and carries the firm’s Family Wealth Director designation, having satisfied rigorous accreditation requirements.
With more than 27 years of wealth management experience at Morgan Stanley, Jeff provides highly customized advice, investment solutions, and wealth management services to high net worth individuals, business owners, foundations and endowments. He listens carefully to his clients’ goals, values, and concerns and works tirelessly to help make a difference in their lives by providing holistic wealth management services with passion and integrity.
Jeff has been honored the Five Star Wealth Manager award from 2012-2023 and has been asked to offer his advice in several publications of the Colorado Biz Magazine and Denver’s 5280 magazine, both in print and online. In addition, Jeff was named in Forbes magazine as one of the top wealth advisors in Colorado in Forbes in 2018, 2019, 2020, 2021, 2022, and 2023.
A graduate of the University of San Diego with a Bachelor of Science degree in Business, Jeff has continued to invest in his education throughout his long and rewarding career at Morgan Stanley. In 2001, he earned the designation Certified Financial Planner®. Most recently, Jeff attained the prestigious Morgan Stanley designation of Family Wealth Director. This credential, achieved by less than two percent of the Morgan Stanley Financial Advisor population as of December 2023, places Jeff in a category of financial advisors who are qualified to service the sophisticated needs of ultra-high net worth clients.
Jeff currently resides in Denver with his wife, Alison, and their three children. He is active in the community, most notably as a member of the Board of Directors of the Metro Denver Boys and Girls Club. In his leisure time, he enjoys spending time with his family and friends, and particularly enjoys coaching, skiing, golfing, fishing, and travel.
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2023) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: TN, MA, UT, OK, OH, NV, ID, SC, NY, NE, KS, FL, CO, AR, WI, NM, MO, TX, PA, NJ, IL, IA, DC, OR, MI, HI, DE, NH, ND, MD, GA, AL, WY, SD, NC, MN, WA, CT, CA, AZ, VA, MT, ME; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1272775
NMLS#: 1272775
About Shellee Conrardy
Senior Vice President, Financial Advisor - Wealth Management
Shellee began her career with United Bank of Denver on the Institutional Fixed Income Desk, working with state municipalities, local city and county offices, hospitals and local large corporations. Following 7 years at United Bank, Shellee transitioned to Boettcher & Company, working with a well-respected Financial Advisor assisting with portfolio and investment management. As the lead underwriter of new municipal bond issues, Boettcher & Company welcomed Shellee’s previous experience that led to her success working with her new clientele. In addition to advising on the ongoing financial management needs, Shellee also worked with clients in helping make sure their transition into retirement and beyond went as smoothly as possible. Shellee was able to cultivate relationships with the second and third generations, seeking to make sure the legacy that was created was passed on, and to help assist them with their new set of responsibilities. Shellee’s focus today still leans towards fixed income - helping clients preserve their assets and generate income. Shellee has worked in the industry for over 25 years and cherishes the relationships she’s been able to create.
In addition to her many years in the investment business, Shellee has been honored in Denver’s 5280 magazine as a Five Star Wealth Manager from 2012-2015 as well as named one of Forbes Top Women Wealth Advisors in 2020.
Shellee is a native of Colorado, where she attended Fort Lewis College in Durango studying Business Administration and playing volleyball for the college. She completed her degree in Finance from Regis University. In her free time, Shellee works with Habitat for Humanity, Junior Achievement and has mentored high school students through the Colorado Youth at Risk program. She has found this work very rewarding and continues to be an active participant in the local community. Shellee’s hobbies include golf, volleyball, renovating her house and traveling.
2012-2015 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2015) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Shellee began her career with United Bank of Denver on the Institutional Fixed Income Desk, working with state municipalities, local city and county offices, hospitals and local large corporations. Following 7 years at United Bank, Shellee transitioned to Boettcher & Company, working with a well-respected Financial Advisor assisting with portfolio and investment management. As the lead underwriter of new municipal bond issues, Boettcher & Company welcomed Shellee’s previous experience that led to her success working with her new clientele. In addition to advising on the ongoing financial management needs, Shellee also worked with clients in helping make sure their transition into retirement and beyond went as smoothly as possible. Shellee was able to cultivate relationships with the second and third generations, seeking to make sure the legacy that was created was passed on, and to help assist them with their new set of responsibilities. Shellee’s focus today still leans towards fixed income - helping clients preserve their assets and generate income. Shellee has worked in the industry for over 25 years and cherishes the relationships she’s been able to create.
In addition to her many years in the investment business, Shellee has been honored in Denver’s 5280 magazine as a Five Star Wealth Manager from 2012-2015 as well as named one of Forbes Top Women Wealth Advisors in 2020.
Shellee is a native of Colorado, where she attended Fort Lewis College in Durango studying Business Administration and playing volleyball for the college. She completed her degree in Finance from Regis University. In her free time, Shellee works with Habitat for Humanity, Junior Achievement and has mentored high school students through the Colorado Youth at Risk program. She has found this work very rewarding and continues to be an active participant in the local community. Shellee’s hobbies include golf, volleyball, renovating her house and traveling.
2012-2015 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2015) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Securities Agent: CO, WI, SD, NV, ND, MT, ID, GA, OH, NH, NC, MO, AZ, SC, DC, TN, NY, NE, IA, AL, VA, MD, DE, TX, NJ, MI, CT, OK, AR, PA, OR, FL, WY, WA, MA, KS, CA, UT, NM, MN, ME, IL, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1279236
NMLS#: 1279236
About Timothy Hirst
Financial Advisor & Financial Planning Specialist – Wealth Management
Tim Hirst began his career at Morgan Stanley in 2011 after earning his Bachelor’s Degree in Finance from University of Denver. He also received his MBA with a concentration in Finance from University of Denver in 2012. As a Senior Vice President his primary responsibilities include client relationships, developing custom investment strategies, financial planning design and monitoring, and liability management. Tim enjoys delivering custom solutions and ideas as families experience life transitions that they haven’t been introduced to.
Tim holds the Portfolio Management Director and Financial Planning Specialist designations with the firm. Initially he focused on financial planning, working with Morgan Stanley Financial Advisors and their clients designing and monitoring complex financial plans. He then joined the Denver Wealth Management Group furthering his skillset in modern wealth management services.
Outside of work Tim competes at a high level on the mountain bike and road bike focusing on events like the Leadville 100 race series. He also spends much of his time hiking and running throughout Colorado with his dog, Lilly. Tim also enjoys reading and traveling as time permits. He moved to Colorado in 2007 after growing up in Connecticut.
Tim Hirst began his career at Morgan Stanley in 2011 after earning his Bachelor’s Degree in Finance from University of Denver. He also received his MBA with a concentration in Finance from University of Denver in 2012. As a Senior Vice President his primary responsibilities include client relationships, developing custom investment strategies, financial planning design and monitoring, and liability management. Tim enjoys delivering custom solutions and ideas as families experience life transitions that they haven’t been introduced to.
Tim holds the Portfolio Management Director and Financial Planning Specialist designations with the firm. Initially he focused on financial planning, working with Morgan Stanley Financial Advisors and their clients designing and monitoring complex financial plans. He then joined the Denver Wealth Management Group furthering his skillset in modern wealth management services.
Outside of work Tim competes at a high level on the mountain bike and road bike focusing on events like the Leadville 100 race series. He also spends much of his time hiking and running throughout Colorado with his dog, Lilly. Tim also enjoys reading and traveling as time permits. He moved to Colorado in 2007 after growing up in Connecticut.
Securities Agent: NC, IA, VA, ID, GA, AL, NV, CO, AZ, UT, NM, NE, MO, IL, FL, AR, SD, OK, WY, WA, SC, MA, DE, OR, OH, NY, NJ, MN, MI, HI, DC, CT, TN, WI, TX, NH, ME, MD, CA, KS, PA, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1273030
NMLS#: 1273030
About Michelle Spada
Michelle has spent her entire working career in the financial services industry. She began with Shearson Lehman Hutton in 1989 where she worked in the Operations department for ten years before becoming a Registered Client Service Associate. In 2006, she started with Morgan Stanley in the Denver Tech Center branch and joined the Denver Wealth Management Group in 2016 as a Portfolio Associate where she assists in supporting the team's administrative needs. She is dedicated to delivering the highest level of customer service to each and every one of our clients.
Michelle has a passion for animals and volunteers her time fostering rescue dogs until an adoptive family can be found. She is an avid Denver Broncos fan who enjoys traveling and spending her free time with her family and friends.
Michelle has a passion for animals and volunteers her time fostering rescue dogs until an adoptive family can be found. She is an avid Denver Broncos fan who enjoys traveling and spending her free time with her family and friends.
About Emelia Truett
• Emelia is a Senior Registered Associate who began her career at Drexel Burnham Lambert in 1981 and in a short time was promoted to Operations Manager. She came to Morgan Stanley in 2009 by way of Prudential, AG Edwards and UBS Financial Services.
• Over the past 35 years in the financial industry, Emelia is very well respected for her client service experience and knowledge of operational duties.
• Born and raised in New York, Emelia now resides in Aurora, Colorado. She is married, a mother of 3 boys and 3 granddaughters. She enjoys fly fishing, hiking, gardening and spending time with family and friends.
• Over the past 35 years in the financial industry, Emelia is very well respected for her client service experience and knowledge of operational duties.
• Born and raised in New York, Emelia now resides in Aurora, Colorado. She is married, a mother of 3 boys and 3 granddaughters. She enjoys fly fishing, hiking, gardening and spending time with family and friends.
About Kelly Gaskins Widvey
Kelly Widvey is a Senior Registered Associate with a strong Background in Financial Services. She began her career in 2007 with Charles Schwab before transitioning into Wealth Management with Merrill Lynch in 2014. Kelly joined Morgan Stanley in the fall of 2024 and brings with her years of experience in the industry. She is dedicated to providing exceptional support and service to our clients.
A Colorado native, Kelly enjoys the beauty of her home state alongside her husband, two children, and two dogs. Outside of work she loves spending her time with family and friends, reading, and traveling.
A Colorado native, Kelly enjoys the beauty of her home state alongside her husband, two children, and two dogs. Outside of work she loves spending her time with family and friends, reading, and traveling.
Contact Jeff Nelligan
Contact Shellee Conrardy
Contact Timothy Hirst
Wealth Management
Global Investment Office
Portfolio Insights
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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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
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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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 Denver Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley 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
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley 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
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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Awards Disclosures
CRC 6491812 (04/2024)
