Gary E. Johnston
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(541) 341-3446(541) 341-3446
The Dimensional Group at Morgan Stanley
Direct:
(541) 485-1111(541) 485-1111
Toll-Free:
(888) 791-4440(888) 791-4440
Our Mission Statement
Improving Generational Opportunities For Our Clients By Delivering A
Multi-Dimensional Approach To Wealth Management
Multi-Dimensional Approach To Wealth Management
The Dimensional Group
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals.As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves,we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Lending Products
- 401(k) Rollovers
- Alternative InvestmentsFootnote3
- Asset Management
- Business PlanningFootnote4
- Corporate Retirement PlansFootnote5
- Cash ManagementFootnote6
- Divorce Financial AnalysisFootnote7
- Estate Planning StrategiesFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Municipal BondsFootnote11
- Precious MetalsFootnote12
- Retirement PlanningFootnote13
- AnnuitiesFootnote14
- Corporate BondsFootnote15
- Exchange Traded FundsFootnote16
- Financial PlanningFootnote17
- Fixed IncomeFootnote18
- Qualified Retirement PlansFootnote19
- Sustainable InvestingFootnote20
- Trust AccountsFootnote21
- Trust Services*
- UGMA/UTMAFootnote22
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
It starts with listening. We ask questions — regarding your needs and dreams, your tolerance for risk, your time horizon — and then listen. It’s an ongoing process through which we strive to know all we can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours.
These four steps were developed to achieve that goal:
These four steps were developed to achieve that goal:
1. Setting your financial objectives
Through a process of discovery and discussion, we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between your goals, and develop sound strategies to help smooth the path.
2. Creating your strategy
Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio.
3. Implementing your strategy
After discussing and refining your strategy, we will work closely with you to bring the elements to life. Planning is a vital part of our process. Using tools to actively monitor your plans progress, helping to ensure you are on track to meet your financial goals and objectives. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be appropriate for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track.
4. Reviewing objectives and performance
We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to stay aware of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
Disclaimer:
Asset Allocation and diversification do not assure a profit or protect against loss in declining financial markets.
Disclaimer:
Asset Allocation and diversification do not assure a profit or protect against loss in declining financial markets.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle.
To learn more, click here
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide you with comprehensive investing and planning solutions for your individual goals. Contact us to begin your plan today.
Learn More About GPS
eServices
Send/receive wire transfers, review your monthly statements and safely store your important documents with our suite of eServices. With eDelivery, eAuthorization, eSign and our Digital Vault you can avoid the hassle of paper and monitor your accounts from your MSO account and the MSO mobile app.
Learn More and Enroll
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online SecurityMedia & Research
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
2023 Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
View 2023 Tax Tables
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Reports
Morgan Stanley Now What's Next Podcast
The Morgan Stanley Now What's Next Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research ReportDo More with Your Wealth
Clients are eagerly pursuing investment strategies that not only support their financial goals, but also have a positive environmental and social impact. This practice is known as “Investing with Impact” and supports investors looking to develop a financially strong portfolio that consists of companies with sustainable and solution oriented policies.
Through a proprietary process developed by Morgan Stanley we work with our clients to define their specific impact priorities and match them with an appropriate Investing with Impact solution. With over 120 investment products and additional customizable portfolio solutions across asset classes, we tailor our clients’ portfolios to match their preferences then monitor both financial and impact results over time. Contact us today to learn more about how your investments can have a positive impact on the causes you care about.
Through a proprietary process developed by Morgan Stanley we work with our clients to define their specific impact priorities and match them with an appropriate Investing with Impact solution. With over 120 investment products and additional customizable portfolio solutions across asset classes, we tailor our clients’ portfolios to match their preferences then monitor both financial and impact results over time. Contact us today to learn more about how your investments can have a positive impact on the causes you care about.
Investing with Impact Brochure
Your personal values are unique and we believe that your portfolio should reflect that. Read our brochure to learn about the careful planning process we use to set you up with the impact investment strategy that best suits your goals.
Read our Brochure Here
Institute for Sustainable Investing
Learn more about Morgan Stanley's commitment to sustainable investment solutions and impact initiatives at our Institute for Sustainable Investing webpage.
Learn More HereLocation
975 Oak Street
Suite 300
Eugene, OR 97401
US
Direct:
(541) 485-1111(541) 485-1111
Toll-Free:
(888) 791-4440(888) 791-4440
4800 SW Meadows Rd
Ste 400
Lake Oswego, OR 97035
US
Direct:
(503) 534-3421(503) 534-3421
Meet The Dimensional Group
David E. Anderson
Vice President, Financial Advisor, Family Wealth Advisor
Phone:
(541) 465-1441(541) 465-1441
Phone:
(503) 534-3421(503) 534-3421
Phone:
(541) 341-3449(541) 341-3449
Alicia B. Heer
Registered Client Service Associate
Phone:
(541) 341-3448(541) 341-3448
Robin R. Chavez
Registered Associate
Phone:
(503) 534-3447(503) 534-3447
About Gary E. Johnston
Growing up in Alaska, Gary Johnston knows firsthand the need for solid planning. Poor choices can have serious consequences in the harsh Alaskan winters, and Gary draws from that experience when considering how to position his clients for their financial future.
A long-term fascination with the financial markets and numbers led Gary to launch his career with U.S. Bank in 1993, quickly moving to its Investment Division before arriving at Morgan Stanley in 2009. Five years later, Gary founded The Dimensional Group at Morgan Stanley with David Anderson, Financial Advisor. Together, Gary and David focus intently on supporting their client’s financial goals through comprehensive wealth management and retirement plan services. Together they bring more than 65 years of experience[1] in investments and banking to their clients as dedicated advisors.
Today, Gary focuses on capital markets analysis, implementation of investment opportunities, and asset allocation models for the team. Every relationship is approached individually, and Gary enjoys building a unique financial structure for each of the team’s clients. Gary leverages his background and the resources of Morgan Stanley to support the client’s goals.
Gary graduated with a Bachelor of Science from the University of Oregon in 1993, and completed his Masters of Business Administration from Portland State University five years later. During his undergraduate years, Gary had an opportunity to study abroad, earning his International Business Certificate from Nyenrode University in the Netherlands. His experience overseas widened his view on financial markets, imbedding a global and geopolitical view of investing, and impacting how he positions clients today. To him, opportunities do not end at our borders.
[1] Gary Johnston registered since 1995, David Anderson retired from U.S. Bank after 44 year career and registered since 2014.
A long-term fascination with the financial markets and numbers led Gary to launch his career with U.S. Bank in 1993, quickly moving to its Investment Division before arriving at Morgan Stanley in 2009. Five years later, Gary founded The Dimensional Group at Morgan Stanley with David Anderson, Financial Advisor. Together, Gary and David focus intently on supporting their client’s financial goals through comprehensive wealth management and retirement plan services. Together they bring more than 65 years of experience[1] in investments and banking to their clients as dedicated advisors.
Today, Gary focuses on capital markets analysis, implementation of investment opportunities, and asset allocation models for the team. Every relationship is approached individually, and Gary enjoys building a unique financial structure for each of the team’s clients. Gary leverages his background and the resources of Morgan Stanley to support the client’s goals.
Gary graduated with a Bachelor of Science from the University of Oregon in 1993, and completed his Masters of Business Administration from Portland State University five years later. During his undergraduate years, Gary had an opportunity to study abroad, earning his International Business Certificate from Nyenrode University in the Netherlands. His experience overseas widened his view on financial markets, imbedding a global and geopolitical view of investing, and impacting how he positions clients today. To him, opportunities do not end at our borders.
[1] Gary Johnston registered since 1995, David Anderson retired from U.S. Bank after 44 year career and registered since 2014.
Securities Agent: MN, CA, VA, TX, NY, NV, NE, ID, GA, AK, AZ, WA, MT, CO, OR, MI, FL, NM, MO, ME, IL, WI, UT, AR, PA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1278914
NMLS#: 1278914
About David E. Anderson
David Anderson co-founded The Dimensional Group at Morgan Stanley with Gary Johnston after a 44-year career with U.S. Bank. With knowledge of commercial and consumer lending, and extensive experience in branch management, David leverages these talents to support the team’s clients in their long-term financial endeavors.
His extensive background in financial services allows him to approach wealth management by considering both liabilities and assets. A holistic approach, combined with the capabilities of Morgan Stanley, adds a deeper dimension to the services the Group can offer. This enhances how The Dimensional Group helps clients manage risk and their wealth to accomplish their goals. As a designated Family Wealth Advisor, he brings a focus on helping families plan for the future.
David launched his career right out of high school as a Work College Trainee with U.S. Bank in Oregon. He earned his Bachelor of Science in Economics from Western Oregon University, completing his degree after spending two years with the Marine Corps during the Vietnam conflict. He continued to sharpen his skills in the financial arena, returning to pursue a degree from the Pacific Coast Banking School at the University of Washington.
David’s commitment to his country and to his clients is also present in his service to his community. He is a member of the Shadow Hills Country Club, past Board president and member of its Finance committee.
When not enjoying time with family, he is often on the golf course. David lives with his wife Tiffany, son and their dog in Eugene.
[1] Gary Johnston registered since 1995, David Anderson retired from U.S. Bank after 44 year career, registered since 2014.
His extensive background in financial services allows him to approach wealth management by considering both liabilities and assets. A holistic approach, combined with the capabilities of Morgan Stanley, adds a deeper dimension to the services the Group can offer. This enhances how The Dimensional Group helps clients manage risk and their wealth to accomplish their goals. As a designated Family Wealth Advisor, he brings a focus on helping families plan for the future.
David launched his career right out of high school as a Work College Trainee with U.S. Bank in Oregon. He earned his Bachelor of Science in Economics from Western Oregon University, completing his degree after spending two years with the Marine Corps during the Vietnam conflict. He continued to sharpen his skills in the financial arena, returning to pursue a degree from the Pacific Coast Banking School at the University of Washington.
David’s commitment to his country and to his clients is also present in his service to his community. He is a member of the Shadow Hills Country Club, past Board president and member of its Finance committee.
When not enjoying time with family, he is often on the golf course. David lives with his wife Tiffany, son and their dog in Eugene.
[1] Gary Johnston registered since 1995, David Anderson retired from U.S. Bank after 44 year career, registered since 2014.
Securities Agent: WA, AZ, MO, AR, WI, TX, FL, AK, HI, CA, ID, PA, NE, MT, MN, GA, VA, NY, NV, IL, UT, CO, OR, NM, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 520519
NMLS#: 520519
About Adam M. Anderson
Adam Anderson hails from Western Kansas. After graduating from Fort Hays State University in 1990, Adam moved to the Pacific Northwest to begin raising a family with his wife Kristin, a Portland native. Adam brings more than 30 years of financial advisory experience to the team. As a Financial Advisor, Adam has a working knowledge of many different styles of providing investment advice to clients.
The main focus of Adam’s practice is helping clients achieve their retirement goals. Adam works to help clients accumulate and preserve wealth during their working career, and then manage these assets for income during retirement. A comprehensive approach to managing wealth includes working with clients to implement efficient wealth-transfer strategies, seeking to maximize the ultimate benefit to clients’ families. Regular, periodic reviews are part of this process. Adam believes that providing investment advice is essentially an on-going conversation with clients, with course corrections and updates occurring as necessary over time.
Adam and Kristin, along with their three children, are big fans of life in the Northwest. After many years of coaching and supporting their children’s sports teams, favorite activities now include walking their three dogs, golfing, and hiking and biking around the Oregon and Washington.
The main focus of Adam’s practice is helping clients achieve their retirement goals. Adam works to help clients accumulate and preserve wealth during their working career, and then manage these assets for income during retirement. A comprehensive approach to managing wealth includes working with clients to implement efficient wealth-transfer strategies, seeking to maximize the ultimate benefit to clients’ families. Regular, periodic reviews are part of this process. Adam believes that providing investment advice is essentially an on-going conversation with clients, with course corrections and updates occurring as necessary over time.
Adam and Kristin, along with their three children, are big fans of life in the Northwest. After many years of coaching and supporting their children’s sports teams, favorite activities now include walking their three dogs, golfing, and hiking and biking around the Oregon and Washington.
Securities Agent: MT, OR, MO, WI, NY, DC, NE, AK, PA, CA, NV, AR, SD, IL, UT, OK, OH, MN, HI, GA, WY, MI, FL, CO, TX, TN, WA, NM, ID, AZ, VA, SC, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1847121
NMLS#: 1847121
About Spencer Stark
Spencer Stark was born in the central valley in California and grew up in a diverse population and community. In an effort to escape the hot weather he decided to attend the University of Oregon where he played football, appearing in the Rose Bowl, as well as the National Championship game during the 2014-2015 season. Spencer studied and completed his B.S. in applied mathematics, where he focused on advance statistics and numerical analysis.
Spencer enjoys all things active. He has competed in CrossFit and Olympic weightlifting. In his free time, he loves to travel and to explore different parks with his young son – hoping to one day visit all the national parks in the United States.
Spencer enjoys all things active. He has competed in CrossFit and Olympic weightlifting. In his free time, he loves to travel and to explore different parks with his young son – hoping to one day visit all the national parks in the United States.
Securities Agent: TX, ID, IL, VA, OH, NV, MO, WA, OR, NC, HI, GA, CA, UT, FL, MT, MN, AK, PA, NE, AZ, SC, CO, AR, WI, NY, NM, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1767243
CA Insurance License #: 4120992
NMLS#: 1767243
CA Insurance License #: 4120992
About Alicia B. Heer
Alicia grew up in Eugene and graduated from the University of Oregon. Like a few of her teammates, she started her career in banking. She left the banking industry to start a small business with her husband, which created the opportunity to hone a host of valuable skills, from operations and financial management to customer service and marketing. As a business owner, Alicia gained valuable and unique insight into both sides of the employment spectrum, from employer to employee.
Most recently, Alicia worked for a local marketing agency where she began as the bookkeeper and transitioned into business development, specifically supporting the video production department as a client liaison. Unofficially, Alicia was known as the “cat wrangler” because of her impressive ability to juggle complicated projects with many moving parts.
As a Registered Client Service Associate for the Dimensional Group, Alicia enjoys getting to know clients and what is important to them, learning how she can support them in achieving their financial goals and helping with even the smallest details.
Outside of the office, Alicia is all about family and spending time with her husband and three kids. She enjoys social events and outdoor activities including hiking, skiing, camping, and boating.
Most recently, Alicia worked for a local marketing agency where she began as the bookkeeper and transitioned into business development, specifically supporting the video production department as a client liaison. Unofficially, Alicia was known as the “cat wrangler” because of her impressive ability to juggle complicated projects with many moving parts.
As a Registered Client Service Associate for the Dimensional Group, Alicia enjoys getting to know clients and what is important to them, learning how she can support them in achieving their financial goals and helping with even the smallest details.
Outside of the office, Alicia is all about family and spending time with her husband and three kids. She enjoys social events and outdoor activities including hiking, skiing, camping, and boating.
Contact Gary E. Johnston
Contact David E. Anderson
Contact Adam M. Anderson
Contact Spencer Stark
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Ian McCormick
Private Banker
About Ian McCormick
Ian McCormick is a Private Banker serving Morgan Stanley Wealth Management offices in Oregon.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
NMLS#: 845310
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- 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
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Dimensional Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Alternative 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.
4Morgan 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.
5When 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.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
13When 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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
17Morgan 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.
18Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
19When 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.
20The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
21Morgan 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.
22Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Alternative 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.
4Morgan 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.
5When 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.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
12Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
13When 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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
17Morgan 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.
18Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
19When 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.
20The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
21Morgan 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.
22Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
