Aaron J. Sotak
Senior Vice President, Senior Portfolio Manager, Family Wealth Advisor, Financial Advisor
Phone:
(512) 469-3414(512) 469-3414
The Green Orchard Group at Morgan Stanley
Direct:
(218) 720-0156(218) 720-0156
Toll-Free:
(800) 238-5884(800) 238-5884
Industry Award WinnerOur Mission Statement
Experienced wealth planning services for your life and legacy goals
Our Story
The Green Orchard Group was formed out of shared beliefs and practices in wealth management. Picture a small, family apple orchard. Its fruit represents your wealth, investments, and nest egg. Next to harvesting this wealth, it’s important to plan its growth and tend to it over time. This image of an orchard motivates our team to help you discover meaningful goals, learn about the tools that will help you achieve them, and execute those goals with care. Every story has a beginning, middle, and end -- a harvest. You can trust that each step is a priority for The Green Orchard Group. How do we do this? Our team helps you formulate meaningful goals by listening to your story and achieve your life and legacy goals for generations to come. Explore our site further to learn about how we put clients first, lead with exceptional ideas, and give back to our communities.
The Green Orchard Group made the list of the 2025 Forbes Best-In-State Wealth Management Teams, a recognition that reflects their hard work and dedication.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
The Green Orchard Group made the list of the 2025 Forbes Best-In-State Wealth Management Teams, a recognition that reflects their hard work and dedication.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Adapting to Our Evolving World
It is no secret that our economy and our world are evolving at a rapid pace, and with that, we must be cognizant of the changes taking place in how we invest. Take a look at these resources to help you navigate the evolving world of AI and technology, and stay ahead of the curve in the digital age.
Tech and Innovation: 2030 Outlook
Discover how technology and innovation are transforming industries and shaping the future, driven by necessity and new possibilities for a smarter, more connected world
Learn More
How Generative AI Could Reshape Work
Generative AI is set to impact a wide poised to reshape the future of work, unlocking new opportunities, enhancing creativity and transforming industries across the globe.
Because of their narrow focus, sector investments tend to be more volatile than investments that diversify across many sectors and companies.
This material contains forward looking statements and there can be no guarantees they will come to pass. The information and statistical data contained herein have been obtained from sources believed to be reliable but in no way are guaranteed by Morgan Stanley as to accuracy or completeness. There is no guarantee that any investments mentioned will be in each client's portfolio.
Learn MoreBecause of their narrow focus, sector investments tend to be more volatile than investments that diversify across many sectors and companies.
This material contains forward looking statements and there can be no guarantees they will come to pass. The information and statistical data contained herein have been obtained from sources believed to be reliable but in no way are guaranteed by Morgan Stanley as to accuracy or completeness. There is no guarantee that any investments mentioned will be in each client's portfolio.
Retail Technology Trends
From AI-driven customer experiences to advanced supply chain solutions, retailers are looking for opportunities to drive growth and meet changing customer expectations.
Learn More
Sustainable Investing
ESG factors and technology are driving innovation and creating new opportunities in pursuit of a more sustainable and resilient global economy.
Environmental, Social and Governance (“ESG”) investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments may not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. ESG designations are as of the date of this material, and no assurance is provided that the underlying assets have maintained or will maintain and such designation or any stated ESG compliance. As a result, it is difficult to compare ESG investment products or to evaluate an ESG investment product in comparison to one that does not focus on ESG. Investors should also independently consider whether the ESG investment product meets their own ESG objectives or criteria.
There is no assurance that an ESG investing strategy or techniques employed will be successful. Past performance is not a guarantee or a dependable measure of future results.
Learn MoreEnvironmental, Social and Governance (“ESG”) investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments may not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. ESG designations are as of the date of this material, and no assurance is provided that the underlying assets have maintained or will maintain and such designation or any stated ESG compliance. As a result, it is difficult to compare ESG investment products or to evaluate an ESG investment product in comparison to one that does not focus on ESG. Investors should also independently consider whether the ESG investment product meets their own ESG objectives or criteria.
There is no assurance that an ESG investing strategy or techniques employed will be successful. Past performance is not a guarantee or a dependable measure of future results.
How AI and Tech Are Redefining Global Defense
Rising global defense spending could spur broader economic growth and productivity gains. Can your portfolio benefit?
Learn MoreARE YOU PREPARED FOR RETIREMENT?
We have been helping clients to not only achieve the retirement of their dreams but also maintain their desired lifestyle and purpose, throughout their entire retirement. There is no better feeling than watching clients maintain or even improve their lifestyle after retiring. Many people have the notion that all their work is done once they reach the destination of retirement. Our goal is to help plan, prepare, and execute your financial plan for retirement and all of the wonderful years that follow. Below are important questions and concerns that everyone should be aware of when planning for retirement. Please reach out with any questions.
You're Ready for Retirement. Is Your Portfolio?
The market can influence your decision of when to retire. Learn how to help protect your nest egg, including the potential role of annuities in retirement.
Retirement and Your Portfolio
Five Mistakes to Avoid in Retirement
How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.
Retirement Mistakes to Avoid
A Six-Step Retirement Checkup
Given recent market volatility, checking in on your retirement plan may make a lot of sense.
Retirement Checkup
Why Your Home Can Be a Retirement Asset
If you’re willing to consider drawing down home equity—either by selling your home or borrowing against its value—it can dramatically change your retirement outlook.
Post-Retirement Success
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Tax Efficient Retirement
Planning to Fund Long-Term Care Expenses
Health care costs are rising—especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
Preparing For Higher Costs
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025.
Check back soon for details on upcoming events.
Location
11 East Superior St
Suite 580
Duluth, MN 55802
US
Direct:
(218) 720-0156(218) 720-0156
Toll-Free:
(800) 238-5884(800) 238-5884
Meet The Green Orchard Group
Karis A. Boerner, CFP®
Senior Vice President, Financial Advisor, Senior Vice President, Senior Portfolio Manager
Phone:
(218) 720-0156(218) 720-0156
Christopher Hellie
Vice President, Financial Advisor, Qualified Plan Financial Consultant
Phone:
(612) 340-6784(612) 340-6784
Jennifer Williams
Registered Client Relationship Analyst
Phone:
(218) 720-0133(218) 720-0133
Sean Carolan
Portfolio Associate
Phone:
(612) 349-4819(612) 349-4819
Kimberly Alexander
Registered Client Relationship Analyst
Phone:
(218) 720-0136(218) 720-0136
About Aaron J. Sotak
Aaron believes that planning is an important step in any successful journey: “People plan for vacations and house remodels -- they should also plan for a successful retirement. Let’s discover what your retirement dreams are and get you on the right path for achieving those goals.”
Aaron pursued his career goal of working in finance after attending the University of Wisconsin Eau Claire, after working at a small regional firm in St. Paul, Minnesota eventually being recruited at Morgan Stanley in 2010.
Originally from northern Wisconsin, Aaron now lives in Austin, Texas with his wife and two daughters. He has numerous hobbies including travel, scuba diving, escape/puzzle rooms, geocaching, and cheering for the Green Bay Packers.
Aaron holds a Family Wealth Advisor title at Morgan Stanley as well as a BS in Finance and Economics, Series 7, Series 66, and Insurance Licenses.
Aaron pursued his career goal of working in finance after attending the University of Wisconsin Eau Claire, after working at a small regional firm in St. Paul, Minnesota eventually being recruited at Morgan Stanley in 2010.
Originally from northern Wisconsin, Aaron now lives in Austin, Texas with his wife and two daughters. He has numerous hobbies including travel, scuba diving, escape/puzzle rooms, geocaching, and cheering for the Green Bay Packers.
Aaron holds a Family Wealth Advisor title at Morgan Stanley as well as a BS in Finance and Economics, Series 7, Series 66, and Insurance Licenses.
Securities Agent: NY, AK, GA, CO, AZ, WY, SC, MD, PA, NV, ME, KS, TX, NH, NE, MI, FL, CT, AR, WA, OK, MO, KY, AL, VA, OR, NJ, NC, IL, DE, DC, ND, MA, ID, HI, WI, UT, SD, OH, MT, MN, IA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1456520
NMLS#: 1456520
About Karis A. Boerner
Karis believes that everyone deserves a personalized approach to wealth management: “It’s especially important during major life transitions such as retirement, loss of a family member, inheritance, divorce or sale of a business.” Karis takes care to tend to both the human and technical side of money.
Before beginning her financial planning career, Karis served 8 years in the US Navy and went on to hold roles in analytics, budget, finance, and operations management in both the private and government sectors. These experiences shaped Karis’ approach to her financial practice and fueled her passion to set up others for financial success: “Everyone should have financial advocate in their corner.”
Karis is a Minnesota native; US Navy Veteran; Junior League of Duluth Sustaining Member; always practicing golfer, yogi, bread baker, gardener, and skier. She’s involved locally in the Junior League of Duluth, Duluth-Superior Maritime Club, the Kitchi Gammi Club, and is a 2019 Graduate of Leadership Duluth.
She is Certified Financial Planner™ and holds a Master’s of Business Administration in Finance, Series 7, Series 66, and Insurance Licenses.
Before beginning her financial planning career, Karis served 8 years in the US Navy and went on to hold roles in analytics, budget, finance, and operations management in both the private and government sectors. These experiences shaped Karis’ approach to her financial practice and fueled her passion to set up others for financial success: “Everyone should have financial advocate in their corner.”
Karis is a Minnesota native; US Navy Veteran; Junior League of Duluth Sustaining Member; always practicing golfer, yogi, bread baker, gardener, and skier. She’s involved locally in the Junior League of Duluth, Duluth-Superior Maritime Club, the Kitchi Gammi Club, and is a 2019 Graduate of Leadership Duluth.
She is Certified Financial Planner™ and holds a Master’s of Business Administration in Finance, Series 7, Series 66, and Insurance Licenses.
Securities Agent: AL, VA, OK, NV, KS, FL, CO, MN, AR, NE, NC, MO, IA, UT, OH, MA, CT, NY, IL, HI, WA, SD, SC, MI, MD, GA, DE, AK, ME, WY, PA, NJ, NH, TX, DC, MT, AZ, WI, OR, ND, ID, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1479422
NMLS#: 1479422
About Christopher Hellie
Chris Hellie is a Financial Advisor focusing on retirement planning, impact investing, and comprehensive wealth management at Morgan Stanley. Chris' passion is assisting small business owners and not-for-profits, families, and veterans realize their long and short-term financial objectives through a goals-based planning system incorporating all aspects of a client's life. He is an advocate for his clients and leverages technology and the global resources of Morgan Stanley to help deliver first-rate service and results.
Prior to joining Morgan Stanley, Chris worked as a Management Consultant and Engagement Team Leader in Abu Dhabi, UAE, where he spearheaded efforts to modernize the UAE government's structural and organizational strategic environment.
Chris is a member of Morgan Stanley's Mid-America Diversity and Inclusion Council.
Chris is a former Army Captain, having served in the U.S. Armor Corp. He was deployed with the 25th Infantry Division to Baghdad, Iraq, from 2007-2009. Chris holds a Bachelor of Arts in International Relations and Russian from the University of St Thomas and a Masters of Arts in International Policy and Commerce from the Schar School of Public Policy at George Mason University.
Chris holds the Series 7 and Series 66 FINRA certifications.
Prior to joining Morgan Stanley, Chris worked as a Management Consultant and Engagement Team Leader in Abu Dhabi, UAE, where he spearheaded efforts to modernize the UAE government's structural and organizational strategic environment.
Chris is a member of Morgan Stanley's Mid-America Diversity and Inclusion Council.
Chris is a former Army Captain, having served in the U.S. Armor Corp. He was deployed with the 25th Infantry Division to Baghdad, Iraq, from 2007-2009. Chris holds a Bachelor of Arts in International Relations and Russian from the University of St Thomas and a Masters of Arts in International Policy and Commerce from the Schar School of Public Policy at George Mason University.
Chris holds the Series 7 and Series 66 FINRA certifications.
Securities Agent: CO, AK, VA, TN, NV, AL, SD, SC, NH, MO, MN, DC, AR, ME, WI, UT, TX, KS, IN, IL, WY, GA, FL, OH, HI, CT, AZ, PA, NC, MT, MI, MD, MA, ID, IA, DE, WA, OR, OK, NJ, VT, NY, NM, NE, ND, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1803164
NMLS#: 1803164
About Jennifer Williams
Jennifer is the first friendly face you will meet within the Green Orchard Group. She’s been with Morgan Stanley since 2009 and is a Registered Client Relationship Analyst, holding both Series 7 and 66 licenses. Jennifer embodies the value of "Clients First" and provides clients with knowledgeable, friendly service, whether online, on the phone, or in person.
Jennifer has previously worked as a veterinary associate and holds an Associate Degree from Wisconsin Indianhead Technical College. These professional experiences influence Jennifer's commitment to excellent client service.
A native of Superior, Wisconsin, Jennifer and her husband, Todd, together have five children and are animal parents to three dogs and two cats. She spends much of her time supporting them in their athletic pursuits. Most weekends, you will find her attending a volleyball, hockey, or baseball game.
Jennifer has previously worked as a veterinary associate and holds an Associate Degree from Wisconsin Indianhead Technical College. These professional experiences influence Jennifer's commitment to excellent client service.
A native of Superior, Wisconsin, Jennifer and her husband, Todd, together have five children and are animal parents to three dogs and two cats. She spends much of her time supporting them in their athletic pursuits. Most weekends, you will find her attending a volleyball, hockey, or baseball game.
About Sean Carolan
Drawing on more than 23 years of industry experience, Sean V. Carolan is responsible for the coordination of all client service activities and overlooks the team's administrative and operational issues. His genius lies in his attention to detail, yet he is equally adept at handling client concerns with both empathy and efficiency. Working with Morgan Stanley clients since 1997, Sean not only knows how to meet their specific needs, he strives to anticipate them as well.
Born and raised in San Francisco, Sean's financial career began at Charles Schwab in 1992. Three years later, his department was relocated to Jersey City, NJ, giving him the opportunity to live in New York City. He returned to San Francisco in 1997 to work as a Sales Assistant at Morgan Stanley, before moving to the firm's Minneapolis location in 2003. Sean is Series 7 & 63 licensed.
A graduate of San Francisco State University with a B.A. degree in History, Sean currently lives in the city of Minneapolis with his partner, Dennis, and their black miniature schnauzer, Oscar. He volunteers with Open Arms of Minnesota. In his leisure time, he enjoys travelling, going to the theatre and concerts, outdoor activities and visiting the family cabin in Siren, WI.
Born and raised in San Francisco, Sean's financial career began at Charles Schwab in 1992. Three years later, his department was relocated to Jersey City, NJ, giving him the opportunity to live in New York City. He returned to San Francisco in 1997 to work as a Sales Assistant at Morgan Stanley, before moving to the firm's Minneapolis location in 2003. Sean is Series 7 & 63 licensed.
A graduate of San Francisco State University with a B.A. degree in History, Sean currently lives in the city of Minneapolis with his partner, Dennis, and their black miniature schnauzer, Oscar. He volunteers with Open Arms of Minnesota. In his leisure time, he enjoys travelling, going to the theatre and concerts, outdoor activities and visiting the family cabin in Siren, WI.
About Kimberly Alexander
Kimberly joined Morgan Stanley in 2025 and will be a key player in operations support.
She brings a wealth of experience from her previous roles at Whole Foods Market, IKEA, and the new home construction industry, along with her own business ventures. Her experience in training and team management will be invaluable to us.
Kimberly graduated from the University of Minnesota with a degree in Speech and Communication and holds her Series 7 and Series 66 licenses. Outside of work, she enjoys hiking, trail running, live music and theater, cooking, and traveling with her partner. Kimberly is also an avid reader, and enjoys competing in jigsaw puzzle competitions with her sister.
She brings a wealth of experience from her previous roles at Whole Foods Market, IKEA, and the new home construction industry, along with her own business ventures. Her experience in training and team management will be invaluable to us.
Kimberly graduated from the University of Minnesota with a degree in Speech and Communication and holds her Series 7 and Series 66 licenses. Outside of work, she enjoys hiking, trail running, live music and theater, cooking, and traveling with her partner. Kimberly is also an avid reader, and enjoys competing in jigsaw puzzle competitions with her sister.
Contact Aaron J. Sotak
Contact Karis A. Boerner
Contact Christopher Hellie
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
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
Taylor Streiff
Associate Private Banker
Will Curran
Private Banker
About Taylor Streiff
Taylor Streiff is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Minnesota, North Dakota, and South Dakota.
Associate Private Bankers partner with Private Bankers and 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.
Taylor began his career in financial services in 2020 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Commercial Lender at Pan American Bank and Trust in Chicago, Illinois.
Taylor is a graduate of the University of Minnesota - Duluth, where he received a Bachelor of Business Administration in Finance. He lives in Minneapolis, Minnesota with his family. Outside of the office, Taylor enjoys all things outdoors. He enjoys spending time with his friends and family.
Associate Private Bankers partner with Private Bankers and 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.
Taylor began his career in financial services in 2020 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Commercial Lender at Pan American Bank and Trust in Chicago, Illinois.
Taylor is a graduate of the University of Minnesota - Duluth, where he received a Bachelor of Business Administration in Finance. He lives in Minneapolis, Minnesota with his family. Outside of the office, Taylor enjoys all things outdoors. He enjoys spending time with his friends and family.
NMLS#: 2539965
About Will Curran
Will Curran is a Private Banker serving Morgan Stanley Wealth Management offices in Texas.
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.
Will began his career in financial services in 1987 and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Market Manager at Presidio Bank. He also served as a Commercial Banking Director at Citibank.
Will is a graduate of the University of California, where he received a Bachelor of Arts in Psychology. He lives in New Braunfels, Texas with his family. Outside of the office, Will enjoys playing and making guitars, as well as cycling.
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.
Will began his career in financial services in 1987 and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Market Manager at Presidio Bank. He also served as a Commercial Banking Director at Citibank.
Will is a graduate of the University of California, where he received a Bachelor of Arts in Psychology. He lives in New Braunfels, Texas with his family. Outside of the office, Will enjoys playing and making guitars, as well as cycling.
NMLS#: 797351
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Green Orchard Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
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.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
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5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
