Wesley A Fangsrud
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(406) 238-8911(406) 238-8911
The Fangsrud Stone Group at Morgan Stanley
Billings:
(406) 238-8900(406) 238-8900
Our Mission Statement
Our goal is to be your most dedicated Financial Advisors by getting to know you and providing professional knowledge, integrity, and personalized service.
Our Story
Since 2018, Wesley Fangsrud & Kyle Stone have worked together closely, combining skillsets and experience to best serve clients. We respect the hard work and sacrifice our clients have made to build and accumulate wealth and we greatly appreciate the trust they place in us as their Financial Advisors.
Wes & Kyle understand that the world of planning and investing is an ever-changing environment and can be complicated for clients. We enjoy helping clients navigate this landscape and simplifying it where we can. By asking key questions and listening, we seek to develop a relationship based on a deep understanding of your needs and then equip you with the tools necessary to achieve your goals. As we collaborate with you to help steward your resources and shape the future you desire, we will coordinate with your CPA and attorney to implement comprehensive strategies.
Through clear communication, honesty, and proactivity, we are here to help bring you confidence and comfort through all of life’s transitions. Over the years, we have helped many clients navigate transitions, challenges, and volatile markets.
We believe we add immense value to our clients lives and we look forward to hearing how we may be able to help you achieve your goals.
Wes & Kyle understand that the world of planning and investing is an ever-changing environment and can be complicated for clients. We enjoy helping clients navigate this landscape and simplifying it where we can. By asking key questions and listening, we seek to develop a relationship based on a deep understanding of your needs and then equip you with the tools necessary to achieve your goals. As we collaborate with you to help steward your resources and shape the future you desire, we will coordinate with your CPA and attorney to implement comprehensive strategies.
Through clear communication, honesty, and proactivity, we are here to help bring you confidence and comfort through all of life’s transitions. Over the years, we have helped many clients navigate transitions, challenges, and volatile markets.
We believe we add immense value to our clients lives and we look forward to hearing how we may be able to help you achieve your goals.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Professional Portfolio ManagementFootnote3
- Fixed IncomeFootnote4
- Long-term Care InsuranceFootnote5
- Endowments and FoundationsFootnote6
- Corporate Retirement PlansFootnote7
- Defined Contribution PlansFootnote8
- Alternative InvestmentsFootnote9
- Trust AccountsFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We start with you. It's our commitment to work with you and your family to develop an investment strategy that can help meet your specific needs. Together we'll navigate the following process, which serves as our roadmap to help you progress from where you are now to where you want to be.
STEP 1: Understanding You
We’ll start with an in depth conversation about your needs, wants and wishes, and the goals of you and your family.
STEP 2: Analysis
Together we’ll complete a financial plan. By analyzing your current financial situation, we can determine which areas are the most important to focus on.
STEP 3: Tailored Investment Strategy
Through the Financial Planning process, we’ll create a investment strategy that is tailored to you and your plan.
STEP 4: Monitor Toward Your Goals
Once your customized plan is implemented, it serves as the foundation of our investment decisions, and we’ll continue to review the performance of your investment portfolio over time.
Financial Planning
The Morgan Stanley Wealth Management Process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together, and we use analysis and experience to develop a customized plan for you.
Cash Management and Lending Products
As a Morgan Stanley client, you have access to a comprehensive suite of cash management and lending solutions. This includes eAuthorizations, Bill Pay, Morgan Stanley Debit Cards and more.
Trust Accounts
A trust account is an account established under a trust agreement that contains funds contributed by one person (the grantor) held by one person (the trustee) for the benefit of another person (the beneficiary).
Alternative Investments
Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform, we work to identify the managers that we believe are highly qualified to help our clients meet their objectives. Your choices will depend on your goals, objectives and risk tolerance.
Long Term Care Insurance
Long-term care insurance helps to pay the cost of a broad range of personal and custodial care services an individual may need over an extended period of time. These costs may not be covered under major medical plans and can be a threat to retirement savings.
SETTING GOALS ACCORDING TO YOUR NEEDS
Valuable Tools & Resources
Clients gain access to our comprehensive suite of digital tools and robust research library, designed to help enhance every aspect of your financial life and transform complex financial analysis into easily digestible content.
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
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.
The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App Store ℠ and Android™ on Google Play™. Standard messaging and data rates from your provider may apply.
The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App Store ℠ and Android™ on Google Play™. Standard messaging and data rates from your provider may apply.
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.
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.
GIC Weekly Research Report
The Global Investment Committee headlines this weekly look at markets, asset class performance and fixed income.
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Location
401 North 31st Street
Suite 900
Billings, MT 59101
US
Direct:
(406) 238-8900(406) 238-8900
Meet The Fangsrud Stone Group
Kyle R Stone
Vice President, Wealth Management, Financial Advisor
Phone:
(406) 896-4402(406) 896-4402
Kayla Schuyler
Registered Client Service Associate
Phone:
(406) 238-8906(406) 238-8906
About Wesley A Fangsrud
Wesley started in the financial services industry in 2002. Beginning his career on the banking and lending side of the business, Wes made the move to Morgan Stanley in 2009 to pursue the wealth management side. His experience working in banking and lending gives Wes great insight on both sides of the balance sheet which has proven to be instrumental in his financial planning process with clients.
Outside of work, Wes is actively involved in and supports several non-profits around the Billings area that help families and individuals in need of financial assistance and other tangible needs. He is happily married to his wife, and together they have two talented daughters. Their marriage and raising kids are their passion and number one focus. Both love to ski and snowboard in the winter, and the summer months are full of biking and hiking as they explore all the amazing trails in Montana.
Outside of work, Wes is actively involved in and supports several non-profits around the Billings area that help families and individuals in need of financial assistance and other tangible needs. He is happily married to his wife, and together they have two talented daughters. Their marriage and raising kids are their passion and number one focus. Both love to ski and snowboard in the winter, and the summer months are full of biking and hiking as they explore all the amazing trails in Montana.
Securities Agent: MO, MD, WA, MS, TX, NC, LA, AZ, IA, PA, NM, NE, DE, CO, CA, UT, OK, IN, IL, AK, WY, NY, ND, ID, KS, WV, SD, OR, MT, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1262123
NMLS#: 1262123
About Kyle R Stone
Kyle joined Morgan Stanley in 2018. Prior to joining the firm, he held positions in accounting and financial analysis. He graduated from Montana State University Billings with a bachelor’s degree in accounting.
Kyle developed an interest in finance and investing early on, which has blossomed over the years into an intrigue with the capital markets, behavioral finance, and the history of economics and finance. Leveraging his background, he creates customized wealth management and financial planning solutions for clients.
Born and raised in Billings, MT, Kyle enjoys spending time with his wife and son, golfing, and reading. Together, they are active in the community and support several local nonprofit organizations.
Kyle developed an interest in finance and investing early on, which has blossomed over the years into an intrigue with the capital markets, behavioral finance, and the history of economics and finance. Leveraging his background, he creates customized wealth management and financial planning solutions for clients.
Born and raised in Billings, MT, Kyle enjoys spending time with his wife and son, golfing, and reading. Together, they are active in the community and support several local nonprofit organizations.
Securities Agent: AZ, ID, ND, MT, MS, KS, WY, NM, WV, LA, IL, NY, CO, SD, PA, OR, IN, IA, MO, OK, MN, NV, MD, DE, CA, WA, UT, TX, NE, NC, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2446326
CA Insurance License #: 4262006
NMLS#: 2446326
CA Insurance License #: 4262006
About Kayla Schuyler
A Billings, MT native, Kayla joined Morgan Stanley in 2022. In her role as a Registered Client Service Associate, her focus is on solving problems for and taking care of our great clients. Away from the office, Kayla is an avid CrossFit athlete and reader. In summer, she enjoys exploring the outdoors and all that Montana has to offer.
Contact Wesley A Fangsrud
Contact Kyle R Stone
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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.
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Fangsrud Stone Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Alternative 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.
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 and other legal matters.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Alternative 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.
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 and other legal matters.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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)
