Jason Jensen, CIMA®, CPM®, CFP®, ChFC®
Senior Vice President, Financial Advisor
Phone:
(618) 659-5757(618) 659-5757
The Gateway Group at Morgan Stanley
Direct:
(618) 659-5775(618) 659-5775
Toll-Free:
(800) 556-3606(800) 556-3606
Our Mission Statement
Empowering clients by providing comprehensive wealth planning strategies for your life and legacy with confidence and clarity
Strong Relationships. Strong Advice.
The Gateway Group at Morgan Stanley, based in the greater St. Louis area, is a full-service provider of wealth management services to affluent investors, business owners, and physicians.
Successful wealth management is about more than numbers — it’s about building deep, enduring relationships. That’s why our first priority is to identify your most essential objectives before we make any recommendations to help you, your family or your business achieve them.
Once we understand your aspirations, challenges and optimal level of risk, we then develop a personalized plan designed to help you reach your financial goals, manage risk and achieve success on your own terms.
Successful wealth management is about more than numbers — it’s about building deep, enduring relationships. That’s why our first priority is to identify your most essential objectives before we make any recommendations to help you, your family or your business achieve them.
Once we understand your aspirations, challenges and optimal level of risk, we then develop a personalized plan designed to help you reach your financial goals, manage risk and achieve success on your own terms.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What to Expect
Our wealth management approach focuses on you, your family and your career- where you are today and where you want to go. Together, we will work to build strategies to help you achieve your goals, navigating life's challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with a conversation to understand your concerns and determine how we can add value. Since not every advisor is a good match for every client, we introduce you to our approach and share our fee structure. If we all agree to move forward, we schedule our next meeting and request important financial information.
2. Discovery Meeting
We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. We review the documents you prepared and begin to define your priorities and timelines.
3. Plan Development
Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4. Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlined in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resources now available to you.
5. Ongoing Service and Care
Committed to a first-class experience, we focus on developing longstanding relationships that provide special value to you and your family. We speak with you regularly to provide updates on your accounts. We also monitor progress towards each of your goals, adjusting your financial plan accordingly as changes in your life occur.
Modern Wealth Management Tools
Morgan Stanley Online (MSO)
Allows you to conveniently and securely manage your account online or on your mobile device.
To learn more, and to log in click here
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To learn about the mobile capabilities and how to get the app, click here
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
To learn more, click here
Goals Planning System (GPS)
GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
To learn more, watch this video
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
To learn more, watch this video
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
To sign up for E-Authorization log into MSO
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Click here to learn how to sign up
E-Delivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
To learn more, click hereComprehensive Financial Planning
Regardless of what stage your life is in-moving ahead in your career, enjoying retirement, or somewhere in between- as your Financial Advisor, I can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals- a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals- a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
How to Avoid Outliving Your Retirement Savings
If your retirement lasts longer than you expect, will you be ready? Here’s how to make your money last.
Learn More Here
2025 Tax Tables
This helpful resource outlines the 2025 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.
Access the 2025 federal tax tables
Manage Debt
We thoroughly review your mortgage, car loans. credit cards, and any other debts that you may have in order to help determine where you can save one interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to, and through retirement, we will help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Upcoming Events
Stay up to date on upcoming firm events and webinars.
Wealth Education for the Next Generation: Home Buying - Navigating the Borrowing Landscape
Are you looking to deepen your understanding of the financial markets and enhance your strategic approach to investing? Join Morgan Stanley's Wealth Education for the Next Generation first session of 2025, tailored to help you explore market motivations, and comprehend investment indices and market cycles.
Home Buying: Navigating the Borrowing Landscape
Monday, March 3rd, 2025 at 3 PM CT
Register HereHome Buying: Navigating the Borrowing Landscape
Monday, March 3rd, 2025 at 3 PM CT
Location
6181 Bennett Dr
Ste 200
Edwardsville, IL 62025
US
Direct:
(618) 659-5775(618) 659-5775
Toll-Free:
(800) 556-3606(800) 556-3606
Meet The Gateway Group
Paul Baeske, CFP®, ChFC®
First Vice President, Wealth Advisor
Phone:
(618) 659-5758(618) 659-5758
David Elbe
Vice President, Wealth Management, Financial Advisor
Phone:
(618) 659-5759(618) 659-5759
Maxwell Elbe, QPFC
Financial Advisor
Phone:
(618) 659-5764(618) 659-5764
Nicole Nonn
Portfolio Associate
Phone:
(618) 659-5775(618) 659-5775
About Jason Jensen
Jason Jensen, CFP®, ChFC®,CIMA®, CPM®
First Vice President, Financial Advisor, Senior Portfolio Manager
NMLS 1482020
Jason joined Morgan Stanley in 2001 as a Financial Advisor. Currently, he focuses on creating and implementing investment strategies for both individual and business portfolios. Previously, Jason worked as a Technical Analyst
at Forsyth Securities.
Jason holds a BS degree in both finance and economics from Southern Illinois University Edwardsville, as well as an MBA degree with an emphasis in finance. He also earned his Certified Investment Management Analyst designation from the University of Pennsylvania’s Wharton School of Business and the Certified Portfolio Manager designation from Columbia University.
Jason is a CERTIFIED FINANCIAL PLANNER™, a Chartered Financial Consultant™
Jason, his wife Michelle, daughter Makenna, and son Austin reside in Collinsville, Illinois. In his spare time, Jason enjoys attending his daughter's golf and soccer matches and reading books about history.
First Vice President, Financial Advisor, Senior Portfolio Manager
NMLS 1482020
Jason joined Morgan Stanley in 2001 as a Financial Advisor. Currently, he focuses on creating and implementing investment strategies for both individual and business portfolios. Previously, Jason worked as a Technical Analyst
at Forsyth Securities.
Jason holds a BS degree in both finance and economics from Southern Illinois University Edwardsville, as well as an MBA degree with an emphasis in finance. He also earned his Certified Investment Management Analyst designation from the University of Pennsylvania’s Wharton School of Business and the Certified Portfolio Manager designation from Columbia University.
Jason is a CERTIFIED FINANCIAL PLANNER™, a Chartered Financial Consultant™
Jason, his wife Michelle, daughter Makenna, and son Austin reside in Collinsville, Illinois. In his spare time, Jason enjoys attending his daughter's golf and soccer matches and reading books about history.
Securities Agent: NJ, MN, MD, CA, TX, NC, VA, UT, OH, FL, CO, WA, AR, MI, MT, MA, IN, GA, WI, IL, NY, NH, MS, WV, NE, KY, NV, MO, KS, IA, AZ, AL, TN, OK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1482020
NMLS#: 1482020
About Paul Baeske
Paul Baeske, CFP®, ChFC®
First Vice President, Wealth Advisor, Senior Portfolio Manager
NMLS 1482024
Paul joined Morgan Stanley in 2002 as a Financial Advisor. Previously, he worked as a Technical/Investment Management Analyst at Smith Barney (a Morgan Stanley predecessor) in St. Louis, starting in 1998. At The Gateway
Group, he assists in developing investment policies and conducting asset allocation analysis, investment manager evaluation, and performance reporting. Paul also implements estate planning strategies for both individual and
business portfolios.
Prior to joining the firm, Paul served 11 years in the U.S. Air Force. He earned a BS degree in statistics from Southern Illinois University Edwardsville, as well as an MBA degree with a specialization in finance. Paul has earned the designations of Estate Planning Consultant, Chartered Financial Consultant™, and CERTIFIED FINANCIAL PLANNER™ practitioner.
Paul, his wife, Christy, son Doug, and daughter Madelynn, reside in Collinsville, Illinois.
First Vice President, Wealth Advisor, Senior Portfolio Manager
NMLS 1482024
Paul joined Morgan Stanley in 2002 as a Financial Advisor. Previously, he worked as a Technical/Investment Management Analyst at Smith Barney (a Morgan Stanley predecessor) in St. Louis, starting in 1998. At The Gateway
Group, he assists in developing investment policies and conducting asset allocation analysis, investment manager evaluation, and performance reporting. Paul also implements estate planning strategies for both individual and
business portfolios.
Prior to joining the firm, Paul served 11 years in the U.S. Air Force. He earned a BS degree in statistics from Southern Illinois University Edwardsville, as well as an MBA degree with a specialization in finance. Paul has earned the designations of Estate Planning Consultant, Chartered Financial Consultant™, and CERTIFIED FINANCIAL PLANNER™ practitioner.
Paul, his wife, Christy, son Doug, and daughter Madelynn, reside in Collinsville, Illinois.
Securities Agent: IL, UT, OK, MO, MD, IN, MA, KS, TN, MS, FL, AL, TX, OH, NE, NC, AZ, WV, MT, GA, CA, VA, NY, NV, NJ, KY, CO, AR, IA, NH, WI, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1482024
NMLS#: 1482024
About David Elbe
David Elbe
Financial Advisor
NMLS 1465504
David joined Morgan Stanley in 2008 as a Financial Advisor after working as Director of Sales for Live Nation.
Previously, David helped manage his family’s grocery business for 20 years. David attended Mississippi State University and Ranken Technical College, where he received an associate’s degree in architectural technology. As
a Financial Advisor, David focuses on small business and corporate Retirement Plans.
David, his wife, Tammy, and their children, Alexandria, Summer and Maxwell, reside in Swansea, Illinois. David’s outside interest include boating, sports, motocross racing with his son and spending time with his family.
Financial Advisor
NMLS 1465504
David joined Morgan Stanley in 2008 as a Financial Advisor after working as Director of Sales for Live Nation.
Previously, David helped manage his family’s grocery business for 20 years. David attended Mississippi State University and Ranken Technical College, where he received an associate’s degree in architectural technology. As
a Financial Advisor, David focuses on small business and corporate Retirement Plans.
David, his wife, Tammy, and their children, Alexandria, Summer and Maxwell, reside in Swansea, Illinois. David’s outside interest include boating, sports, motocross racing with his son and spending time with his family.
Securities Agent: OK, IL, WI, TX, KY, FL, AZ, WV, NY, MA, GA, NE, CA, NV, CO, OH, MT, MN, IN, NH, NC, MD, NJ, MI, VA, TN, MO, IA, AR, AL, MS, KS, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1465504
NMLS#: 1465504
About Maxwell Elbe
Maxx Elbe
Financial Advisor
Maxx joined Morgan Stanley in 2023 as a Financial Advisor, after working as an Account Executive at Goosehead Insurance. Through insurance sales, Maxx discovered his passion for people and helping them protect their most important assets. As a Financial Advisor, he hopes to continue to strengthen his relationships while helping clients plan for their future.
Maxx graduated from the University of Mississippi (Ole Miss) with a degree in Managerial Finance. Outside of work, you can find Maxx either golfing, fishing, or staying active to keep fit. He also enjoys spending time with his friends, family, and six nieces and nephews.
Financial Advisor
Maxx joined Morgan Stanley in 2023 as a Financial Advisor, after working as an Account Executive at Goosehead Insurance. Through insurance sales, Maxx discovered his passion for people and helping them protect their most important assets. As a Financial Advisor, he hopes to continue to strengthen his relationships while helping clients plan for their future.
Maxx graduated from the University of Mississippi (Ole Miss) with a degree in Managerial Finance. Outside of work, you can find Maxx either golfing, fishing, or staying active to keep fit. He also enjoys spending time with his friends, family, and six nieces and nephews.
Securities Agent: IL, NY, MI, FL, WI, VA, NH, MO, UT, GA, TN, OK, NV, NC, AZ, NJ, MN, IA, KY, TX, MT, WV, NE, MD, MA, MS, IN, CO, CA, AR, AL, OH, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 2487628
NMLS#: 2487628
About Nicole Nonn
Nicole Nonn
Portfolio Associate
Nicole coordinates the group's overall day-to-day operations and provides our clients with excellent service.
She graduated from Southern Illinois University at Carbondale with a degree in Finance and joined our team in
2011. Nicole brings over ten years experience and an invaluable work ethic.
In her spare time, she enjoys boating, swimming and spending time with her husband and two children.
Portfolio Associate
Nicole coordinates the group's overall day-to-day operations and provides our clients with excellent service.
She graduated from Southern Illinois University at Carbondale with a degree in Finance and joined our team in
2011. Nicole brings over ten years experience and an invaluable work ethic.
In her spare time, she enjoys boating, swimming and spending time with her husband and two children.
Contact Jason Jensen
Contact Paul Baeske
Contact David Elbe
Contact Maxwell Elbe
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
Greg Cole
Private Banker
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in Missouri.
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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
NMLS#: 801927
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?
Article Image
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 Gateway 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5Morgan 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.
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 and other legal matters.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5Morgan 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.
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 and other legal matters.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
