Rick Fossey, CFP®, CRPC®
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(952) 921-1930(952) 921-1930
Our Mission Statement
At The Fossey Group, we believe every client is entitled to an exceptional level of service. We’ll place you at the center of the process as we design financial strategies to help you achieve the goals that matter most to you.
Rick Fossey was named to Forbes “Best-In-State Wealth Advisors” lists in 2020, 2021, 2022, 2023 and 2024.
Rick Fossey was named to Forbes “Best-In-State Wealth Advisors” lists in 2020, 2021, 2022, 2023 and 2024.
Welcome
At The Fossey Group at Morgan Stanley, helping you achieve financial success is our first priority, and that process starts with a comprehensive wealth strategy. We can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. As your dedicated team of professionals, we have experience with the unique challenges, styles and strategies that distinguish you as an investor.
Our consultative process begins with an in-depth discussion. We’ll address issues you might have overlooked and determine how we can help you adjust your investment strategy to accommodate changing conditions.
Behind us stands Morgan Stanley’s broader firm, which serves many of the world’s most sophisticated investors. Our firm is one of the nation’s leading firms to help clients with their personal wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Our consultative process begins with an in-depth discussion. We’ll address issues you might have overlooked and determine how we can help you adjust your investment strategy to accommodate changing conditions.
Behind us stands Morgan Stanley’s broader firm, which serves many of the world’s most sophisticated investors. Our firm is one of the nation’s leading firms to help clients with their personal wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Retirement Navigation Process
If you and your family had a discussion three years from today, what has to have happened in a personal, professional and financial sense for you to be happy with your progress over those three years?
Take a look at the steps below to get a better sense of the important factors that affect your retirement.
Take a look at the steps below to get a better sense of the important factors that affect your retirement.
Step 1: Assets
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
Step 2: Liabilities
In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Step 3: Income
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Step 4: Expenses
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Step 5: Risk Management
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Step 6: Estate Planning Strategies
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
Step 7: Assembling Your Team
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Step 8: Continued Monitoring
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Our Achievements
At The Fossey Group, we believe every one of our clients is entitled to an exceptional level of service.
As proof of our dedication to this belief, Rick Fossey has achieved multiple Forbes "Best-In State Wealth Advisors" Awards.
Each year Forbes Magazine releases a list of hand selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research. Rick Fossey was named to Forbes “Best-In-State Wealth Advisors” lists in 2020, 2021, 2022, 2023 and 2024.
As proof of our dedication to this belief, Rick Fossey has achieved multiple Forbes "Best-In State Wealth Advisors" Awards.
Each year Forbes Magazine releases a list of hand selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research. Rick Fossey was named to Forbes “Best-In-State Wealth Advisors” lists in 2020, 2021, 2022, 2023 and 2024.
Forbes "Best-In-State Wealth Advisors" 2020
While 2020 was a turbulent year due to Covid-19 and all of its challenges, this did not deter Rick Fossey from continuing to provide exceptional service to his clients. Rick won his first Forbes "Best-In State Wealth Advisor" award as a result of his continued dedication and service to his clients.
Forbes "Best-In-State Wealth Advisors" 2021
Katie Rodgers and Nick Fossey joined the team in 2021 and further enhanced the client experience within the Fossey Group. With the bolstering of the team and increased resources, Rick Fossey was able to achieve Forbes "Best-In-State Wealth Advisors"
Forbes "Best-In-State Wealth Advisors" 2022
2022 was a record year for Fed rates. Throughout this chaotic rate period, the Fossey Group continued to meet client objectives and navigate the difficulties this market presented. As a result, Rick Fossey was presented with Forbes "Best-In-State Wealth Advisors"
Forbes "Best-In-State Wealth Advisors" 2023
2023 saw the rise of AI in our markets. While AI brought a wealth of opportunities, it also brought uncertainty in the market. However, even in the midst of those uncertainties, Rick Fossey was able to integrate AI into his portfolio construction process capitalizing on the effects that AI would have on our lives. This integration was key in achieving Forbes "Best-In-State Wealth Advisors"
Forbes "Best-In-State Wealth Advisors" 2024
2024 was a year of significant change for the Fossey Group. Spencer Fossey joined the team early in the year and brought further expertise and capabilities to the team. The Fossey Group also made the transition to Morgan Stanley, further boosting the resources and opportunities available to their clients. Due to this continued level of service, Rick Fossey again achieved Forbes "Best-In-State Wealth Advisor"
Resources
Our strategy leverages modern wealth tools and cutting-edge technology. By providing you with the tools you need, I can help you come one step closer to achieving your financial goals.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Wealth Tool
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
Learn More
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Tool AccessLocation
8300 Norman Center Drive
Suite 1150
Bloomington, MN 55437
US
Direct:
(952) 921-1930(952) 921-1930
Meet The Fossey Group
Nick Fossey
Financial Advisor
Phone:
(952) 921-1925(952) 921-1925
Nancy McNamara
Wealth Management Associate
Phone:
(952) 921-1922(952) 921-1922
Katie Rodgers
Senior Registered Client Service Associate
Phone:
(952) 921-1929(952) 921-1929
Spencer Fossey
Client Service Associate
Phone:
(952) 921-1934(952) 921-1934
About Me
Rick is a graduate from Minnesota State Mankato, MN in 1994 with a degree in Economics and Marketing, where he also played 4 years of collegiate Football. Rick has over 29 years as a financial advisor with Merrill Lynch and now with Morgan Stanley.
Rick has his CFP®, CRPC™ certificates and is a Senior Vice President and Portfolio Manager. Rick helps his clients set their goals and objectives through a holistic, planning-based approach.
He earned Forbes "Best-In-State Wealth Advisors" recognition in 2020, 2021, 2023, and 2024.
Rick grew up in Kenosha, WI and now lives in Lakeville, MN with his wife and they have 3 grown children. He enjoys golf, traveling, hunting, fishing, snowmobiling, and most things outdoors. Rick also spent many years volunteering as a Baseball, Basketball and Football coach. In addition to spending time with Community projects such as Feathers and Fur Youth Hunting, Feed the Children, and Habitat for Humanity.
Source: Forbes.com (Awarded 2020, 2021 2023 & 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Rick has his CFP®, CRPC™ certificates and is a Senior Vice President and Portfolio Manager. Rick helps his clients set their goals and objectives through a holistic, planning-based approach.
He earned Forbes "Best-In-State Wealth Advisors" recognition in 2020, 2021, 2023, and 2024.
Rick grew up in Kenosha, WI and now lives in Lakeville, MN with his wife and they have 3 grown children. He enjoys golf, traveling, hunting, fishing, snowmobiling, and most things outdoors. Rick also spent many years volunteering as a Baseball, Basketball and Football coach. In addition to spending time with Community projects such as Feathers and Fur Youth Hunting, Feed the Children, and Habitat for Humanity.
Source: Forbes.com (Awarded 2020, 2021 2023 & 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: WA, MO, MA, SD, NY, NC, DC, UT, KY, HI, FL, CA, NM, KS, AK, MD, ID, AZ, NJ, ND, TX, OK, NV, OH, IL, CO, IA, NE, MN, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 533405
NMLS#: 533405
About Nick Fossey
Nick is a graduate from the University of Northern Iowa, IA in December 2020 with a degree in Finance. While attending school, Nick also played 4 years of Collegiate Football.
After graduating, Nick joined the Merrill Lynch Academy in the Client Service Department where he worked for 15 months focusing on Service and completing his investment licensing. Nick joined the Fossey Wealth Management group shortly after that and has been with the team since September 2022. He made the transition with the Team to Morgan Stanley in May of 2024 and is now a fully registered Financial Advisor Associate.
Nick grew up in Lakeville, Minnesota and now lives in Scottsdale, Arizona. He enjoys golf, basketball, and cheering for the Green Bay Packers and Minnesota Timberwolves.
After graduating, Nick joined the Merrill Lynch Academy in the Client Service Department where he worked for 15 months focusing on Service and completing his investment licensing. Nick joined the Fossey Wealth Management group shortly after that and has been with the team since September 2022. He made the transition with the Team to Morgan Stanley in May of 2024 and is now a fully registered Financial Advisor Associate.
Nick grew up in Lakeville, Minnesota and now lives in Scottsdale, Arizona. He enjoys golf, basketball, and cheering for the Green Bay Packers and Minnesota Timberwolves.
About Nancy McNamara
After graduating from The University of Northern Iowa in 1991 Nancy McNamara started her now over 34-year career in the Wealth Management industry.
Four years into her career Nancy joined with Rick Fossey at Merrill Lynch in 1995. It was here that she became one of the first members of the Fossey group, staying with the group as it transitioned its talent to Morgan Stanley in May of 2024
Outside of the office Nancy and her husband Richard make their home in North Oaks, MN with their one teenage son.
Here Nancy and her family enjoy Alpine skiing, mountain and road biking, gardening, and cheering on their son during his schools sporting events.
Nancy also spends her time volunteering as a mountain bike team coach to support the students of The Moundsview-Irondale-Totino Grace school's in her community.
Four years into her career Nancy joined with Rick Fossey at Merrill Lynch in 1995. It was here that she became one of the first members of the Fossey group, staying with the group as it transitioned its talent to Morgan Stanley in May of 2024
Outside of the office Nancy and her husband Richard make their home in North Oaks, MN with their one teenage son.
Here Nancy and her family enjoy Alpine skiing, mountain and road biking, gardening, and cheering on their son during his schools sporting events.
Nancy also spends her time volunteering as a mountain bike team coach to support the students of The Moundsview-Irondale-Totino Grace school's in her community.
About Katie Rodgers
Graduating from Northwestern college in Roseville, MN with a degree in finance Katie Rodgers has over 13 years in the financial services industry. Starting her career as a registered representative Katie gained experience at Merrill Lynch for many years before bringing her talents to the Fossey Group in July of 2021.
Katie along with The Fossey Group transitioned their talents to Morgan Stanley in May of 2024.
Katie grew up in Rochester, MN and moved to Lakeville, MN with her husband in 1999, she's been a part of the Lakeville community for over 25 years.
Outside of the office Katie can be found cheering on her two sons 20 and 16 as they pursue their own hockey careers and providing her time towards volunteer efforts with her church and local hockey club within the local community.
Katie along with The Fossey Group transitioned their talents to Morgan Stanley in May of 2024.
Katie grew up in Rochester, MN and moved to Lakeville, MN with her husband in 1999, she's been a part of the Lakeville community for over 25 years.
Outside of the office Katie can be found cheering on her two sons 20 and 16 as they pursue their own hockey careers and providing her time towards volunteer efforts with her church and local hockey club within the local community.
About Spencer Fossey
Spencer graduated from the University of Minnesota in 2023, after graduating Spencer started his career in wealth management with the Fossey group at Merrill in 2023 and brought his talents with the team during its transition to Morgan Stanley in 2024.
Outside of the office he makes his home in Bloomington MN spending his free time playing Golf, Basketball and cheering for the Packers and Wolves, attending games in person when he gets the chance.
Outside of the office he makes his home in Bloomington MN spending his free time playing Golf, Basketball and cheering for the Packers and Wolves, attending games in person when he gets the chance.
Contact Rick Fossey
Hear from Our Clients
We're second generation clients of the Fossey Group and could not be happier with the relationship. Their team is proactive, professional and always available. From creating and tracking our financial plan to helping with estate planning, they have the knowledge and resources to pull it all together. We meet regularly to review progress and initiate necessary changes. They consistently provide ideas and information pertinent to our situation and they're fun to work with!
Lincoln and Cherie
Verified ClientJanuary 27, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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
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 Fossey 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 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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
4Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
4Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
