Thomas Hunt, CFP®
Senior Vice President, Financial Advisor
Phone:
(515) 283-7062(515) 283-7062
Industry Award WinnerOur Mission Statement
Life is complicated. We help successful families take the complexity out of managing wealth, so they are free to enjoy its rewards.
OUR APPROACH
We help successful families take the complexity out of managing wealth, so they are free to enjoy its rewards.
Over the past 20 years, our team of financial professionals has developed and refined a comprehensive wealth planning process that addresses the distinct needs of every client we serve. We deliver personalized solutions that help individuals and families navigate life's transitions with confidence.
Recently, our team's dedication to excellence was affirmed by our inclusion in the Forbes Best-in-State Wealth Management Teams Ranking for 2024, 2025 & 2026.
Disclosures:
2024 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
2025 Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
2026 Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24–3/31/25.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Alternative InvestmentsFootnote4
- 401(k) Rollovers
- AnnuitiesFootnote5
- Life InsuranceFootnote6
- Cash Management and Lending ProductsFootnote7
- Philanthropic Services
- Retirement PlanningFootnote8
- Business Succession PlanningFootnote9
- Divorce Financial AnalysisFootnote10
- Executive Financial ServicesFootnote11
- Long-term Care InsuranceFootnote12
- Trust ServicesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Culture and Values
We tailor our solutions for each individual client. The culture of our team and the values we strive to uphold are fundamental to who we are.
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
KEY LIFE EVENTS
Birth
Welcoming a child into the family is a joyous occasion for everyone. As your trusted advisors, We will help you plan and prepare for the financial components that a new child might introduce to your lives.
Learn More About Preparing Financially for a Child
Education
Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.
Learn More About Financially Planning for Education
Marriage
There are few events more exciting than tying the knot with the person you love. Managing your wealth is a critical component to maintaining a long, fruitful marriage. Also, helping fund your child's wedding is a goal for many parents and grandparents.
Learn More About Talking Money With Your Partner
Divorce
Divorce is a stressful ordeal that is seldom easy. In can be very difficult to brave this battle alone. If necessary, We will help guide you through the priorities and issues that need to be settled to ensure that your needs are met with care and respect.
Learn More About The Financial Aspects of Divorce
Retirement
Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
Learn More About Preparing for Retirement
Death
Dealing with our own mortality is intense and challenging. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including the administration of the estate. Even though it is a difficult conversation to have, I will help you determine your estate planning goals to minimize conflict and confusion for your loved ones when your legacy is passed on.
Learn More About Being the Executor of a Loved One's WillINVESTOR RESOURCES
Here at The Des Moines Group at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. 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 detailed analysis on interesting topics that are affecting the finance and business worlds.
The Des Moines Group - Monthly Newsletter (February)
Check out our most recent newsletter. Updated on a monthly basis, we will discuss timely updates in the markets, provide resources for our clients and show updates from the team.
Click Here to Learn More
2026 Tax Tables
Explore the latest 2026 tax tables to ensure you're up-to-date with the current tax rates and brackets. This comprehensive guide provides easy access to the information you need for accurate financial planning and compliance.
Check Out the 2026 Tax Tables Here
Securing the Future: Cybersecurity in the Age of AI
How do you stay safe from cyber threats in the age of AI? Morgan Stanley's cybersecurity leaders recently discussed essential strategies to protect yourself.
View the Replay Here
Total Wealth View
Total Wealth View allows you to access the most complete version of your financial profile. By linking you external account information, you will benefit with a convenient big picture approach in a convenient location.
Learn More About Total Wealth View
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as financial statements, authorizations, tax filings, and other relevant files. All Digital Vault documents are virus scanned and encrypted for additional security.
Learn More About Digital Vault
Wealth Education for the Next Generation Replays
Join us as we continue the journey into the world of finance and wealth education. At Morgan Stanley, we believe that knowledge is the key to unlocking future success, and we’re excited to share our thought leadership and experience with you! Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement and Charline Burgess, Senior Wealth Education Specialist, you will learn about financial concepts, investing, and money management in a fun and interactive way.
Replays Available Here
Market Essentials 1Q26: Financial Markets Demystified
The latest Market Essentials is here. This quarterly resource breaks down market movements and trends in a digestible way. The content in these slides is tailored to the everyday investor who wants to stay informed about what is driving markets without getting bogged down in financial jargon.
Watch Here
The Rise of the Humanoid Economy Replay
Join Wealth Management’s Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley’s Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world.
Watch the Replay Here
Reserved Living & Giving
We’re pleased to offer a complimentary program designed to help eligible clients enhance their lifestyles. Reserved Living & Giving is a loyalty program that goes beyond traditional wealth management services and provides access to one-of-a-kind experiences, discounts on premium brands, insights from thought leaders and philanthropic guidance.
Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) reserves the right in its discretion to change the terms and conditions of, or terminate, the Reserved Living & Giving (“Reserved”) program and the Signature Access program at any time and without notice. Morgan Stanley periodically reviews Reserved and Signature Access program participants' accounts and activity and may in its discretion remove program participants from either program at any time and without notice.
Reserved Living & GivingMorgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) reserves the right in its discretion to change the terms and conditions of, or terminate, the Reserved Living & Giving (“Reserved”) program and the Signature Access program at any time and without notice. Morgan Stanley periodically reviews Reserved and Signature Access program participants' accounts and activity and may in its discretion remove program participants from either program at any time and without notice.
Donor Advised Funds: A Smart Way to Manage Your Giving
Donations to a donor advised fund (DAF) are eligible for a U.S. federal income tax deduction and, once invested, can potentially grow tax-free.
Donating to a DAF may be useful in years when you are seeking a charitable deduction but want more time to finalize a giving strategy.
Certain DAFs may allow you to donate complex assets, including cryptocurrency, shares of privately held companies, real estate, art or automobiles.
Click Here to Learn MoreDonating to a DAF may be useful in years when you are seeking a charitable deduction but want more time to finalize a giving strategy.
Certain DAFs may allow you to donate complex assets, including cryptocurrency, shares of privately held companies, real estate, art or automobiles.
Thoughts on the Market
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.
Listen here
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Tax-Loss Harvesting Can Work Year-Round for Investors—Here’s How
What is tax-loss harvesting exactly, and how do some investors use it to opportunistically reduce their tax bills?
Click here to learn moreAWARD-WINNING WEALTH MANAGEMENT. FOCUSED ON YOU.
With the guidance of a Morgan Stanley Financial Advisor and the strength of a five-time award-winning wealth management platform<sup> <a href="#wm-disclosure-1" class="Link--underline"> <span class="sr-only">Footnote</span> 1 </a> </sup>, you can build, preserve, and manage your wealth with precision and purpose. For every stage of your financial journey.
Tax-Smart Solutions
Leading tax optimization capabilities\<sup\> \<a href="#wm\-disclosure\-2" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 2 \</a\> \</sup\> designed to deliver year\-round tax management with an eye toward reducing taxes and boosting after\-tax returns.
Seamless Cash Management Integration
A comprehensive, coordinated strategy with access to competitive yields, flexible financing options, and exclusive cash management resources.
Premier Risk Management and Cyber Defense
Industry\-acclaimed risk management tools\<sup\> \<a href="#wm\-disclosure\-3" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 3 \</a\> \</sup\> to help drive smarter portfolio decisions. In\-house team of cybersecurity experts dedicated to help protect you from cyber threats.
Personalized Legacy Planning
Guidance from experienced professionals across estate, trust, philanthropy, and financial planning to help preserve and grow your legacy.
An Industry-Leading Platform
Expert insights from 500+ equity analysts to help unlock your portfolio's potential and investment guidance.
Liquidity When You Need It
Industry\-leading securities\-based lending solutions to help access liquidity without selling assets or disrupting your investment strategy.\<sup\> \<a href="#wm\-disclosure\-4" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 4 \</a\> \</sup\>
Robust Concentrated Stock Solutions
Powerful tools and strategies to help manage concentrated stock positions and look to optimize portfolio outcomes.
Alternatives & Private Markets Access
A comprehensive alternative investments platform offering tailored solutions, early access to select offerings, and competitive pricing structures. Exclusive private market and pre\-IPO opportunities that were previously reserved for institutions.
Location
1080 Jordan Creek Pkwy
Ste 400N
West Des Moines, IA 50266
US
Direct:
(515) 283-7007(515) 283-7007
Fax:
(515) 398-0023(515) 398-0023
Meet The Des Moines Group
Priscilla Dickinson, CDFA®
Vice President, Financial Advisor
Phone:
(515) 283-7043(515) 283-7043
Matthew Jens
First Vice President, Financial Advisor
Phone:
(515) 283-7033(515) 283-7033
Raegan Wagner
First Vice President, Financial Advisor, Financial Planning Specialist, Insurance Planning Director
Phone:
(515) 283-7010(515) 283-7010
Zachary Bouslog, QPFC
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(515) 283-7069(515) 283-7069
Christy L Wetrich
Assistant Vice President, Wealth Management Associate, *Financial Planning Specialist
Phone:
(515) 283-7007(515) 283-7007
Stacey Burger
Client Relationship Analyst
Phone:
(515) 283-7036(515) 283-7036
Dylan Appenzeller
Client Relationship Analyst
Phone:
(515) 283-7081(515) 283-7081
About Thomas Hunt
Tom Hunt is a Financial Advisor, CERTIFIED FINANCIAL PLANNER™ and a founding member of The Des Moines Group at Morgan Stanley. He creates customized, comprehensive wealth plans designed to help meet the unique financial goals of each client. He applies his advanced education and knowledge of risk management and retirement income planning to uncover and clarify his clients’ objectives and to help ensure their financial progress is on track.
Originally from Illinois, Tom grew up on a farm in the western part of the state. He attended the University of Illinois, earning a Bachelor’s degree in Agricultural Economics. Tom entered the financial services industry in 2001 after receiving his MBA in Finance from Western Illinois University.
In 2008, Tom and Jim Baker founded the Des Moines Group, applying the principle of putting clients first as the foundation of the practice. Taking the time to truly understand each client’s individual situation is at the heart of The Des Moines Group’s business. Employing a high touch service model, the team works with individuals and families throughout their lives; from their working years, when the focus is accumulation of assets, through retirement, when the focus shifts to distribution of assets.
Tom and his wife, Karen, live in Clive, Iowa, their son, Jared is a golf instructor at GolfTEC in St Louis. Tom is active in the Clive Chamber of Commerce, West Des Moines Lions Club, Waukee Rotary Club, and Lutheran Church of Hope.
An avid golfer and sports enthusiast, Tom is a long-suffering fan of the University of Illinois, Chicago Cubs and Chicago Bears.
Originally from Illinois, Tom grew up on a farm in the western part of the state. He attended the University of Illinois, earning a Bachelor’s degree in Agricultural Economics. Tom entered the financial services industry in 2001 after receiving his MBA in Finance from Western Illinois University.
In 2008, Tom and Jim Baker founded the Des Moines Group, applying the principle of putting clients first as the foundation of the practice. Taking the time to truly understand each client’s individual situation is at the heart of The Des Moines Group’s business. Employing a high touch service model, the team works with individuals and families throughout their lives; from their working years, when the focus is accumulation of assets, through retirement, when the focus shifts to distribution of assets.
Tom and his wife, Karen, live in Clive, Iowa, their son, Jared is a golf instructor at GolfTEC in St Louis. Tom is active in the Clive Chamber of Commerce, West Des Moines Lions Club, Waukee Rotary Club, and Lutheran Church of Hope.
An avid golfer and sports enthusiast, Tom is a long-suffering fan of the University of Illinois, Chicago Cubs and Chicago Bears.
Securities Agent: ND, MI, ID, NC, ME, DC, NV, IN, HI, FL, AZ, TN, PA, NM, MT, KY, AR, SC, OK, NY, MO, CO, IL, CT, WI, VA, TX, SD, OR, LA, CA, NJ, MN, IA, MD, KS, GA, WY, WA, NE; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1288147
NMLS#: 1288147
About Priscilla Dickinson
Priscilla Dickinson contributes to a dynamic group of advisors within Morgan Stanley’s West Des Moines office. She draws experience from being a small business owner, executive assistant, and commercial property manager. Born into the family business, Priscilla operated a mid-sized, customer-centric, women’s boutique. Later, as executive assistant to the owner of a large electrical contracting firm, she also assisted in the executive’s side interest in commercial property management.
Priscilla works with individuals and their families to develop a holistic approach to wealth management for each life stage, event, and generation. Priscilla holds her Series 7 General Securities and Series 66 Investment Advisor as well as Life, Accident, and Health insurance licenses. Additionally, Priscilla holds a Certified Divorce Financial Analyst designation. Expanding financial literacy among women has become a passion.
She attended the University of Kansas earning a Bachelor of Science, is a member of PEO Chapter HY and St Timothy’s Episcopal Church Altar Guild, THE Consortium, and The Des Moines Rotary AM. Outside of work, Priscilla recharges through connection with family and friends and through outdoor activity while kayaking, bicycling, hiking and skiing. In addition, reading provides escape and fulfills curiosity as well.
Priscilla works with individuals and their families to develop a holistic approach to wealth management for each life stage, event, and generation. Priscilla holds her Series 7 General Securities and Series 66 Investment Advisor as well as Life, Accident, and Health insurance licenses. Additionally, Priscilla holds a Certified Divorce Financial Analyst designation. Expanding financial literacy among women has become a passion.
She attended the University of Kansas earning a Bachelor of Science, is a member of PEO Chapter HY and St Timothy’s Episcopal Church Altar Guild, THE Consortium, and The Des Moines Rotary AM. Outside of work, Priscilla recharges through connection with family and friends and through outdoor activity while kayaking, bicycling, hiking and skiing. In addition, reading provides escape and fulfills curiosity as well.
Securities Agent: ID, AR, OK, NC, MN, ME, MD, NE, VA, TX, PA, MT, KY, IN, IL, FL, ND, MO, OR, LA, DC, AZ, SD, NM, HI, WA, TN, IA, CT, SC, NV, GA, CO, WY, NY, MI, KS, CA, WI, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1301208
CA Insurance License #: 0L90925
NMLS#: 1301208
CA Insurance License #: 0L90925
About Matthew Jens
Matt designs and manages client investment portfolios and serves as Chair of The Des Moines Group’s Investment Committee. Drawing on his background in economics, industry experience, and professional training—and leveraging Morgan Stanley’s global resources—he focuses on practical guidance and thoughtful risk management to help clients stay aligned with their long-term financial goals.
Matt earned his B.A. from Central College in Pella, Iowa, where he studied business management and economics, and has worked in financial services since 2012.
He lives in Gilbert, Iowa, with his wife, Kelli, and their four children. Matt is active at Ascension Lutheran Church (Ames), serving on the Stewardship and Finance Committee, and he sits on the board of the Gilbert Education Foundation, supporting classroom funding for teachers in the Gilbert Community School District. Outside of work, he enjoys fishing, boating, and coaching and cheering on his kids’ sports teams.
Matt earned his B.A. from Central College in Pella, Iowa, where he studied business management and economics, and has worked in financial services since 2012.
He lives in Gilbert, Iowa, with his wife, Kelli, and their four children. Matt is active at Ascension Lutheran Church (Ames), serving on the Stewardship and Finance Committee, and he sits on the board of the Gilbert Education Foundation, supporting classroom funding for teachers in the Gilbert Community School District. Outside of work, he enjoys fishing, boating, and coaching and cheering on his kids’ sports teams.
Securities Agent: LA, IL, WI, HI, TX, TN, SC, OR, NE, CT, AZ, AR, SD, OK, MI, MD, IA, GA, PA, CA, ND, ME, DC, CO, OH, MN, ID, VA, NV, NJ, KY, IN, WY, NY, NC, MT, KS, FL, WA, NM, MO; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1789386
NMLS#: 1789386
About Raegan Wagner
Raegan partners with clients to create personalized financial plans that serve as a clear roadmap through retirement and other major life transitions. She helps clients understand how the individual pieces of their financial picture work together—so they can make informed decisions and stay focused on the life and legacy they want to build.
Raegan earned the Financial Planning Specialist designation at Morgan Stanley and has worked in the financial services industry since 2004. She holds a B.A. in Business Management from Central College in Pella, Iowa.
Raegan lives in Cambridge, Iowa, with her husband, Peter, and their three children. Outside of work, she is active at Hope Ankeny, where she regularly teaches Sunday school for elementary-aged children. She also serves as Secretary of the Iowa Associated Saddle Club and as a committee member of the State of Iowa 4-H Horse Committee. Raegan also enjoys gardening, showing horses, and coaching and cheering on her kids’ sports.
Raegan earned the Financial Planning Specialist designation at Morgan Stanley and has worked in the financial services industry since 2004. She holds a B.A. in Business Management from Central College in Pella, Iowa.
Raegan lives in Cambridge, Iowa, with her husband, Peter, and their three children. Outside of work, she is active at Hope Ankeny, where she regularly teaches Sunday school for elementary-aged children. She also serves as Secretary of the Iowa Associated Saddle Club and as a committee member of the State of Iowa 4-H Horse Committee. Raegan also enjoys gardening, showing horses, and coaching and cheering on her kids’ sports.
Securities Agent: IL, MN, WI, NV, MI, NE, MT, MO, KY, IN, FL, TN, CT, CO, VA, SD, ND, SC, OR, NJ, DC, AZ, AR, WY, WA, NY, LA, TX, ME, KS, HI, OH, MD, CA, OK, ID, IA, GA, PA, NM, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1628117
NMLS#: 1628117
About Zachary Bouslog
Zach Bouslog is a Financial Advisor with the Des Moines Group at Morgan Stanley. He has built his reputation and his business on the foundation of honesty and transparency. He is dedicated to listening to what his clients’ needs may demand and always acting in their best interest. He brings 11 years of knowledge and experience in the financial services industry focused on holistic financial planning, retirement income, estate, and tax planning.
Zach graduated from the University of Iowa, where he earned Dean’s List. He lives firmly by his late grandfather’s motto, “It’s hard to be good, but harder to stay good,” hence he strives to keep up on industry data and trends, including the integration of the rapid advancements of Artificial Intelligence into their business.
Zach was born and raised in Des Moines and currently resides in Urbandale, IA with his wife, Kelsi, and their children Berkley, Bowen, and Landon. He is currently the President of the Des Moines AM Rotary Club, the largest Rotary Club in the state of Iowa. He remains engaged in various philanthropic ventures throughout central Iowa and is a big supporter of Capitol View Elementary.
In his spare time, he loves spending quality time with his family and friends. He enjoys exploring nature and parks with their children, coaching their various athletic teams, playing golf, traveling, smoking meat and is an avid Iowa Hawkeyes fan.
Zach graduated from the University of Iowa, where he earned Dean’s List. He lives firmly by his late grandfather’s motto, “It’s hard to be good, but harder to stay good,” hence he strives to keep up on industry data and trends, including the integration of the rapid advancements of Artificial Intelligence into their business.
Zach was born and raised in Des Moines and currently resides in Urbandale, IA with his wife, Kelsi, and their children Berkley, Bowen, and Landon. He is currently the President of the Des Moines AM Rotary Club, the largest Rotary Club in the state of Iowa. He remains engaged in various philanthropic ventures throughout central Iowa and is a big supporter of Capitol View Elementary.
In his spare time, he loves spending quality time with his family and friends. He enjoys exploring nature and parks with their children, coaching their various athletic teams, playing golf, traveling, smoking meat and is an avid Iowa Hawkeyes fan.
Securities Agent: KY, VA, OK, ND, MI, IA, SD, SC, LA, ID, WA, NY, CT, PA, IN, NJ, NC, MT, IL, DC, WI, TN, MD, HI, GA, TX, NE, MN, ME, AZ, AR, NM, KS, FL, CA, WY, OR, NV, MO, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2372439
NMLS#: 2372439
About Christy L Wetrich
Christy is an Assistant Vice President, Wealth Management Associate, and *Financial Planning Specialist at Morgan Stanley. With more than 25 years of experience in the investment industry, she has established expertise in client service, practice management, and operational execution.
In her senior leadership role with The Des Moines Group at Morgan Stanley, Christy oversees the team’s Client Service and Business Management functions. She is responsible for day-to-day operational management and collaborates closely with Financial Advisors and internal operations partners, to enhance the client experience and support the growth and development of client relationships. Additionally, she leads and mentors the team’s support staff, while ensuring the effective execution of key business priorities.
With a strong focus on operational excellence, Christy drives initiatives to improve practice efficiency, strengthen service delivery, and ensure consistent, high-quality client communications. She remains committed to ensuring that she and the team consistently deliver the highest standard of professional client service.
Christy holds the Series 7 (General Securities), Series 63 (Uniform Securities Agent State Law), and Series 66 (Uniform Combined State Law) licenses.
*This role cannot solicit or provide investment advice.
In her senior leadership role with The Des Moines Group at Morgan Stanley, Christy oversees the team’s Client Service and Business Management functions. She is responsible for day-to-day operational management and collaborates closely with Financial Advisors and internal operations partners, to enhance the client experience and support the growth and development of client relationships. Additionally, she leads and mentors the team’s support staff, while ensuring the effective execution of key business priorities.
With a strong focus on operational excellence, Christy drives initiatives to improve practice efficiency, strengthen service delivery, and ensure consistent, high-quality client communications. She remains committed to ensuring that she and the team consistently deliver the highest standard of professional client service.
Christy holds the Series 7 (General Securities), Series 63 (Uniform Securities Agent State Law), and Series 66 (Uniform Combined State Law) licenses.
*This role cannot solicit or provide investment advice.
About Stacey Burger
Stacey takes great pride in delivering first-class service to the clients we serve. As a primary point of contact, she helps clients with day-to-day needs such as cash transfers, statement questions, online account access, and support with lending services—always with a focus on clear, timely, and attentive assistance.
Stacey earned her B.S. in Business Management from Iowa State University and joined Morgan Stanley’s predecessor firm in 2007 as a Client Relationship Analyst.
She lives in Gowrie, Iowa, with her husband, Tracy, and their three children. Outside the office, Stacey enjoys spending time with her family, as well as golfing and boating.
Stacey earned her B.S. in Business Management from Iowa State University and joined Morgan Stanley’s predecessor firm in 2007 as a Client Relationship Analyst.
She lives in Gowrie, Iowa, with her husband, Tracy, and their three children. Outside the office, Stacey enjoys spending time with her family, as well as golfing and boating.
About Dylan Appenzeller
Dylan supports clients with attentive service and a strong focus on accuracy and follow-through. He began his career with Morgan Stanley in Prescott, Arizona as a Client Relationship Analyst, where he built a solid foundation in client service and financial operations. Dylan later returned to Iowa to be closer to family and continues to bring that same client-first approach to every interaction.
Dylan graduated from the University of Iowa in 2020. Outside of work, he enjoys staying active—especially golfing, mountain biking, and a variety of sports-related activities.
Dylan graduated from the University of Iowa in 2020. Outside of work, he enjoys staying active—especially golfing, mountain biking, and a variety of sports-related activities.
Contact Thomas Hunt
Contact Priscilla Dickinson
Contact Matthew Jens
Contact Raegan Wagner
Contact Zachary Bouslog
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
From Our Team
Want to Keep More of Your Investment Returns? Consider These Tax Moves
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
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 Des Moines Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8When 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.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
Morgan 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8When 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.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
Morgan 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4665150 (8/2025), 5378280 (5/2026)
