Keith Norris
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(502) 394-4074(502) 394-4074
The Derby City Group at Morgan Stanley
Louisville:
(502) 394-4067(502) 394-4067
Toll-Free:
(800) 966-4617(800) 966-4617
Our Mission Statement
We share the common goal of providing outstanding advice and service, while helping you achieve your specific wealth management goals.
Welcome
As The Derby City Group at Morgan Stanley, we are a dedicated team of financial advisors who share the common goal of providing outstanding advice and service, while helping you achieve your specific wealth management goals.
We combine the vast resources of a major global Wealth Management Firm with personalized service to provide you with world-class solutions. You’ll benefit from our access to specialized research, institutional investment managers and sophisticated lending and cash management capabilities. What’s more, our style is quite welcoming and approachable. We make it easy for you to ask questions to fully understand the details of our wealth management recommendations.
As seasoned advisors, we offer objective advice and guidance, comprehensive experience and custom-tailored investment solutions designed to address the needs of:
We combine the vast resources of a major global Wealth Management Firm with personalized service to provide you with world-class solutions. You’ll benefit from our access to specialized research, institutional investment managers and sophisticated lending and cash management capabilities. What’s more, our style is quite welcoming and approachable. We make it easy for you to ask questions to fully understand the details of our wealth management recommendations.
As seasoned advisors, we offer objective advice and guidance, comprehensive experience and custom-tailored investment solutions designed to address the needs of:
- Financially Successful Individuals and Families
- Small Business Owners
- CPAs and Other Financial Professionals
- Professional Athletes and Coaches
- Foundations, Endowments and Not-for-Profit Institutions
- Employer-Sponsored Retirement Plans
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Derby City Awards
2025 Forbes Best-In-State Wealth Management Team
The Derby City Group named to the 2025 Forbes Best-In-State Wealth Management Teams List
Source: Forbes.com (Awarded Jan 2025) Data Compiled By Shook Research LLC Based On Time Period From 3/31/23-3/31/24.
Source: Forbes.com (Awarded Jan 2025) Data Compiled By Shook Research LLC Based On Time Period From 3/31/23-3/31/24.
2024 Forbes Best-In-State Wealth Advisor
Matt Kuerzi was named to the 2024 Forbes Best-In-State Wealth Advisor List
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
2023 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Matt Kuerzi was named to the 2023 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors List
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
2019 Forbes Top Next-Gen Wealth Advisors
Matt Kuerzi was named to the 2019 Forbes Top Next-Gen Wealth Advisors List
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
A PLAN MADE FOR YOUR unique situation and circumstance
At The Derby City Group, we understand the importance of strategic financial planning, especially when it comes to retirement. We specialize in providing comprehensive solutions that are tailored to your unique needs and goals.
By combining our extensive knowledge and experience with the vast resources of a global Wealth Management Firm, we offer you world-class strategies designed to maximize your financial potential. Our approach to financial and retirement planning is rooted in personalized service and objective advice.
We take the time to understand your aspirations, risk tolerance, and timeline, allowing us to develop a custom-tailored plan that aligns with your vision for retirement. Whether you're a financially successful individual or family, a small business owner, or a professional in the financial industry, we have the expertise to address your specific needs.
Explore more about our approach below and some of the tools Morgan Stanley offers to our esteemed clients:
By combining our extensive knowledge and experience with the vast resources of a global Wealth Management Firm, we offer you world-class strategies designed to maximize your financial potential. Our approach to financial and retirement planning is rooted in personalized service and objective advice.
We take the time to understand your aspirations, risk tolerance, and timeline, allowing us to develop a custom-tailored plan that aligns with your vision for retirement. Whether you're a financially successful individual or family, a small business owner, or a professional in the financial industry, we have the expertise to address your specific needs.
Explore more about our approach below and some of the tools Morgan Stanley offers to our esteemed clients:
Discover
We begin by engaging in a conversation to gain a deep understanding of your specific requirements, lifestyle, family dynamics, and future aspirations.
Advise
Our team collaborates with you to develop tailored portfolio strategies that not only align with your goals but also safeguard your desired outcomes.
Implement
We analyze a wide range of accounts and products to identify and implement solutions that best suit your unique investment strategy.
Track Progress
We provide assistance in tracking your progress, monitoring your spending habits, and managing your savings to ensure that you stay on course towards achieving your objectives.
Aladdin - Portfolio Risk Platform
When you partner with us, you gain exclusive access to Morgan Stanley's cutting-edge Portfolio Risk Platform. This platform offers a comprehensive range of risk assessment and reporting tools covering various asset classes and security types. It provides both a macro-level overview and in-depth analysis, enabling you to streamline your risk monitoring and management processes effectively.
Watch To Learn MoreGoals Planning System (GPS)
At Morgan Stanley, we prioritize the importance of financial planning, which is why our Firm has meticulously developed our proprietary integrated planning tool known as the Goals Planning System (GPS). By harnessing our Firm's extensive intellectual capital and capabilities, GPS offers a user-friendly and highly efficient platform specifically designed to evaluate the progress of clients in attaining their financial objectives. With GPS, you can navigate the path towards your clients' desired financial outcomes with confidence and precision.
Watch To Learn MoreStay Ahead of the curve with our Investor Resources
At Morgan Stanley, we firmly believe in the importance of a strong financial education as a key driver for gaining valuable insights into investment strategies and fostering disciplined decision-making abilities. This fundamental approach ultimately leads to superior long-term outcomes. To uphold this principle, we are fully committed to equipping our clients with essential knowledge on effectively managing wealth in today's dynamic global markets.
To fulfill this commitment, we have meticulously curated a diverse range of resources that highlight the core investment strategies and concepts central to our practice. These resources have been thoughtfully organized and conveniently made accessible through direct links. We highly encourage you to explore these materials regularly to deepen your understanding of the critical factors that influence your overall financial well-being.
To fulfill this commitment, we have meticulously curated a diverse range of resources that highlight the core investment strategies and concepts central to our practice. These resources have been thoughtfully organized and conveniently made accessible through direct links. We highly encourage you to explore these materials regularly to deepen your understanding of the critical factors that influence your overall financial well-being.
GIC Weekly Research Report
Lisa Shalett, Head of the Global Investment Office, provides invaluable expertise and delivers a comprehensive outlook through ongoing analysis of global markets, asset class performance, and fixed income.
Read The Latest Report
Thoughts On The Market Podcast
Gain valuable insights into the market's dynamics from the perspective of Mike Wilson, the highly respected Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, and his team. Listen to the Team's dialogue encompassing diverse viewpoints on the latest trends in the financial marketplace, exploring the various forces that are shaping the industry.
Listen To The Latest Episode
On The Markets Research Report
Gain valuable insights on global equities, fixed income, monetary policy, and more from Morgan Stanley's expert thought leaders. Their robust market commentary offers in-depth perspectives to help inform your investment decisions.
Read The Latest Report
Morgan Stanley's Ideas Podcast
The Morgan Stanley Ideas Podcast presents sophisticated and enlightening narratives that offer profound insights into the business, finance, and technology landscapes. This engaging and informative podcast serves as a valuable resource, deepening your understanding of diverse industries.
Listen To The Latest Episode
Global Insights Report
Stay informed about regional trends in international markets with Morgan Stanley's global multi-asset publication. Combining economic data and policy insights, this publication provides a thorough analysis for a deeper understanding of market dynamics.
Read The Latest Report
Tax Smart Investing
Enhance you financial growth by incorporating tax management into your investment process. By thinking ahead and employing tax-smart strategies throughout the investment journey, not just during tax season, you can potentially achieve better overall outcomes.
Learn More HereMORGAN STANLEY'S SUITE OF CUTTING-EDGE DIGITAL TOOLS
At Morgan Stanley we proudly offer our clients a suite of digital resources meticulously designed to empower and enhance every aspect of their financial portfolio. We understand the importance of staying ahead in today's fast-paced world, and that's why we have curated a range of Modern Wealth Management tools to cater to our valued clients.
Take the time to explore and learn more about the many digital resources at your disposal. Whether you're seeking real-time market insights, personalized financial planning guidance, or seamless access to your accounts, Morgan Stanley has you covered. Join us on this journey towards financial success, powered by the tools that set us apart in the world of wealth management.
Take the time to explore and learn more about the many digital resources at your disposal. Whether you're seeking real-time market insights, personalized financial planning guidance, or seamless access to your accounts, Morgan Stanley has you covered. Join us on this journey towards financial success, powered by the tools that set us apart in the world of wealth management.
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) provides a comprehensive suite of features designed to enhance your daily financial management. With MSO, you not only gain access to your account balance and activity but also enjoy a range of functionalities that streamline tasks such as bill payments, fund transfers, and expedited transactions. Our meticulously crafted eAuthorizations feature ensures secure and efficient transaction approvals, optimizing your financial management processes and saving you valuable time and effort.
Morgan Stanley OnlineTotal Wealth View
Total Wealth View offers a secure and holistic solution for consolidating accounts from multiple sources. By bringing all your financial information into one place, it enables an overarching view of your portfolio. This in-depth understanding allows our team to provide personalized and tailored advice, perfectly aligned with your unique financial situation.
Total Wealth VieweAuthorizations
Our eAuthorizations feature provides a streamlined and secure method for granting transaction approvals electronically. With just a single click, you can easily manage and authorize transactions through Morgan Stanley's Online and Mobile App, ensuring seamless and hassle-free financial control.
eAuthorizations Client GuideDigital Vault
The Digital Vault, available on Morgan Stanley Online and the Mobile App, offers a highly secure and convenient way to access, upload, and share crucial documents. From wills and deeds to financial statements and tax filings, the Digital Vault serves as a centralized repository for managing your important records, ensuring they are easily accessible whenever you need them.
Digital Vault Client GuideeSign
Our efficient document management process enables you to swiftly receive, review, and execute necessary documents, without the delays associated with traditional mail. With our seamless and user-friendly eSign feature, which only requires a valid email address and phone number to initiate, you can effortlessly navigate the document signing process, ensuring a smooth and expedited experience.
eSign via Docusign Client GuideeDelivery
Take advantage of our eDelivery feature, which offers you the convenience and flexibility of accessing your statements and important documents in an electronic format. By eliminating the need for paper copies, eDelivery not only reduces clutter but also enhances accessibility. Morgan Stanley Online clients can easily enroll in eDelivery, and the platform currently supports a wide range of documents including trade confirmations, prospectuses, general correspondence, selected IRS-approved tax documents, and more.
eDelivery Client GuideLocation
4969 US Highway 42
Suite 1200
Louisville, KY 40222
US
Direct:
(502) 394-4067(502) 394-4067
Toll-Free:
(800) 966-4617(800) 966-4617
Meet The Derby City Group
Matt Kuerzi
Senior Vice President, Financial Advisor, Insurance Planning Director, Financial Planning Specialist
Phone:
(502) 394-4094(502) 394-4094
Anna Brock
Portfolio Associate
Phone:
(502) 394-4067(502) 394-4067
About Keith Norris
As a wealth management professional since 1997, Keith has dedicated his entire career to delivering sound, objective financial advice to the individuals, families, business owners and not-for-profit organizations he proudly serves. He is firmly committed to long-term relationships and strives to deliver exceptional client service. Keith listens carefully to his clients’ values, aspirations and concerns and works diligently to help them achieve their financial goals.
After graduating from Trinity High School, Keith attended the University of Louisville, where he earned his B.S.B.A. degree in Marketing and his M.B.A. During his collegiate experience, Keith worked as an intern at A.G. Edwards and Sons, thanks to the support and encouragement of John Wingfield, a family friend and mentor. It was this experience that confirmed Keith’s desire to build a fulfilling career in the financial services industry. Upon earning his M.B.A., Keith became a Financial Advisor at A.G. Edwards and later joined forces with John and Matt Kuerzi, forming The WNK Group (now known as The Derby City Group). In 2005, they joined Smith Barney, a predecessor firm to Morgan Stanley, to leverage the global resources and technology available from a premier global wealth management firm.
A Louisville native, Keith and his wife, Randee, currently live in Louisville with their two children, Luke and Lila. He is a volunteer for Junior Achievement and the JCPS “Every 1 Reads” program. Keith is an active parishioner of St. Aloysius in Pewee Valley who serves on various committees and previously coached the school’s football, basketball and volleyball teams. In his leisure time, he enjoys spending time with family and friends. His favorite activities include hiking, mountain biking, working out and watching a wide variety of sports.
After graduating from Trinity High School, Keith attended the University of Louisville, where he earned his B.S.B.A. degree in Marketing and his M.B.A. During his collegiate experience, Keith worked as an intern at A.G. Edwards and Sons, thanks to the support and encouragement of John Wingfield, a family friend and mentor. It was this experience that confirmed Keith’s desire to build a fulfilling career in the financial services industry. Upon earning his M.B.A., Keith became a Financial Advisor at A.G. Edwards and later joined forces with John and Matt Kuerzi, forming The WNK Group (now known as The Derby City Group). In 2005, they joined Smith Barney, a predecessor firm to Morgan Stanley, to leverage the global resources and technology available from a premier global wealth management firm.
A Louisville native, Keith and his wife, Randee, currently live in Louisville with their two children, Luke and Lila. He is a volunteer for Junior Achievement and the JCPS “Every 1 Reads” program. Keith is an active parishioner of St. Aloysius in Pewee Valley who serves on various committees and previously coached the school’s football, basketball and volleyball teams. In his leisure time, he enjoys spending time with family and friends. His favorite activities include hiking, mountain biking, working out and watching a wide variety of sports.
Securities Agent: NJ, OH, KS, GA, WY, NC, IN, MO, KY, CA, MA, UT, TX, PA, FL, DE, DC, AZ, IA, TN, NY, CO, AL, WV, VA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1297738
NMLS#: 1297738
About Matt Kuerzi
Since 2002, Matt has been helping financially successful individuals, families, small business owners and not-for-profit organizations in Louisville and the surrounding areas solve their financial challenges. As an experienced Financial Advisor and Financial Planning Specialist at Morgan Stanley, he implements a comprehensive wealth management approach that includes a thorough planning process, a commitment to providing outstanding service and holistic, exceptional investment strategies.
After receiving his B.B.A. degree in Finance from the University of Kentucky, Matt became a Financial Advisor at A.G. Edwards and Sons, where he later joined Keith Norris and John Wingfield to form The WNK Group (now known as The Derby City Group). Matt takes pride in his ability to put complex investment strategies into action and effectively communicate these strategies to his clients. He works diligently to simplify the investment and planning process by understanding his clients’ goals and values. By advising them on how to grow, preserve and transition wealth, he helps provide confidence when making financial decisions. He enjoys helping his clients oversee and manage their finances, so they may enjoy the wealth they have created.
In 2019, Matt was recognized by Forbes in their first ever list of “Best-In-State Next-Gen Advisors". Financial Advisors on this list represent the future of the wealth management industry and inclusion reflects a commitment to helping clients achieve the financial future they envision.
Matt is a lifetime resident of Louisville, where he lives with his wife, Jennifer, and their sons, Will and Nicholas. In 2007, he co-founded the Team Shaan Foundation, which supports various youth-focused organizations in the community and the Rashaan Roland Willis Scholarship Endowment Fund at Saint Xavier High School, his alma mater. Matt also serves on the organizing committee of the Down Syndrome of Louisville’s Annual Pro-Celebrity Charity Golf Tournament, and the Board of Directors for both St. Matthews Baseball and the Saint Xavier High School Alumni Association. When he’s not helping clients or actively volunteering, you can find Matt spending time with family and friends, golfing, exercising and supporting his favorite sports teams.
Forbes Top Next-Gen Wealth Advisors (2019)
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
https://www.morganstanley.com/disclosures/awards-disclosure.html
After receiving his B.B.A. degree in Finance from the University of Kentucky, Matt became a Financial Advisor at A.G. Edwards and Sons, where he later joined Keith Norris and John Wingfield to form The WNK Group (now known as The Derby City Group). Matt takes pride in his ability to put complex investment strategies into action and effectively communicate these strategies to his clients. He works diligently to simplify the investment and planning process by understanding his clients’ goals and values. By advising them on how to grow, preserve and transition wealth, he helps provide confidence when making financial decisions. He enjoys helping his clients oversee and manage their finances, so they may enjoy the wealth they have created.
In 2019, Matt was recognized by Forbes in their first ever list of “Best-In-State Next-Gen Advisors". Financial Advisors on this list represent the future of the wealth management industry and inclusion reflects a commitment to helping clients achieve the financial future they envision.
Matt is a lifetime resident of Louisville, where he lives with his wife, Jennifer, and their sons, Will and Nicholas. In 2007, he co-founded the Team Shaan Foundation, which supports various youth-focused organizations in the community and the Rashaan Roland Willis Scholarship Endowment Fund at Saint Xavier High School, his alma mater. Matt also serves on the organizing committee of the Down Syndrome of Louisville’s Annual Pro-Celebrity Charity Golf Tournament, and the Board of Directors for both St. Matthews Baseball and the Saint Xavier High School Alumni Association. When he’s not helping clients or actively volunteering, you can find Matt spending time with family and friends, golfing, exercising and supporting his favorite sports teams.
Forbes Top Next-Gen Wealth Advisors (2019)
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: DC, WV, MA, IA, OH, CO, MO, NY, AL, TX, NJ, KS, IN, GA, FL, DE, NC, KY, CA, VA, TN, WY, UT, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1332000
NMLS#: 1332000
About Anna Brock
Anna has over 30 years of experience in the financial services industry. She began her career in 1986 with Hilliard Lyons in Louisville where she earned her securities licenses. Anna joined Morgan Stanley in 2010 as a Senior Registered Associate where she is responsible for the day-to-day operations and client service experience of The WNK Group. Anna resides in Memphis, Indiana with her husband and two children. When Anna is not in the office providing excellent client service, she enjoys being active or reading a good book.
Contact Keith Norris
Contact Matt Kuerzi
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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Derby City Group today.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7When 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.
8Morgan 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
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.
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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
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7When 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.
8Morgan 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
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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:
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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.
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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)
