Senior Vice President, Financial Advisor, Wealth Advisor, Senior Portfolio Manager
Phone:
(612) 340-6784(612) 340-6784
The Green Orchard Group at Morgan Stanley
Direct:
(218) 720-0156(218) 720-0156
Toll-Free:
(800) 238-5884(800) 238-5884
Our 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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your financial advisors, The Green Orchard Group undertakes an individualized process -- understanding your situation, defining your goals, and tailoring plans to suit your needs. Wealth management is a process, not a one-time event. We won’t neglect the time and attention your orchard will need to achieve your family’s legacy.
Whatever your background, profession, or level of knowledge, The Green Orchard Group meets you where you are. Our team takes the time to educate and inform our clients of all available and appropriate options. Whether tracking your progress over a number of years or planting your first seeds, we put clients first.
Whatever your background, profession, or level of knowledge, The Green Orchard Group meets you where you are. Our team takes the time to educate and inform our clients of all available and appropriate options. Whether tracking your progress over a number of years or planting your first seeds, we put clients first.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App. MSO gives our clients the ability to access their tax documents, IRA contributions, required minimum distributions and more with an easy click of the button.
Learn more and login:ARE 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 CostsGiving Back
The Green Orchard Group is proud to serve our community in volunteer activities and by contributing our professional skills to non-profit organizations.
Karis
Karis currently serves on three local non-profit boards and is a past-president of an educational and charitable women’s organization. She believes in giving back to her community and notes: “Morgan Stanley encourages their staff to get out in the community. That’s invaluable to me.”
Aaron
Aaron serves on the Board of Directors for a local non-profit Children’s Center in his neighborhood. Despite his own children aging out of the program he has stayed on the Board to continue the mission of the Center.
Mary
Mary volunteers at the Guthrie Theater in Minneapolis and at St. Catherine University in St. Paul. She loves to support the arts and education.
Chris
Chris serves as a MN state representative for the United States Global Leadership Council and is a spokesperson for Iraq and Afghanistan Veterans of America organization. He is also a youth football and basketball coach in Edina, MN.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
Online
Location
8300 Norman Center Dr
Ste 1150
Bloomington, MN 55437
US
Direct:
(218) 720-0156(218) 720-0156
Toll-Free:
(800) 238-5884(800) 238-5884
Meet The Green Orchard Group
Senior Vice President, Senior Portfolio Manager, Family Wealth Advisor, Financial Advisor
Phone:
(512) 469-3414(512) 469-3414
Karis A. Boerner, CFP®
Senior Vice President, Financial Advisor, Vice President, Senior Portfolio Manager
Phone:
(218) 720-0156(218) 720-0156
Phone:
(952) 921-1910(952) 921-1910
Jennifer Williams
Senior Registered Client Service Associate
Phone:
(218) 720-0133(218) 720-0133
Sean Carolan
Portfolio Associate
Phone:
(612) 349-4819(612) 349-4819
Dorian Hanson
Client Service Associate
Phone:
(218) 720-0141(218) 720-0141
About Mary B. Bennett
Mary Bennett is a Senior Vice President and Wealth Advisor at Morgan Stanley Wealth Management.
For nearly three decades, Mary has been providing highly customized advice, investment solutions and financial planning services to individuals and families in Minneapolis and the surrounding areas. She has significant experience working with health care professionals, corporate executives and business owners and understands the challenges they have in managing their assets. Throughout her career, she has earned the reputation of truly understanding her clients – their lives, their plans their interests – so they may achieve their financial goals and leave the legacies they desire.
An alumna of St. Catherine University, Mary earned her M.B.A. from the University of St. Thomas in 1986. She began her career in the healthcare industry as a nurse. Mary was hired by Piper Jaffrey (now UBS) in 1994 and later joined the Morgan Stanley family in 2012. She earned her CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2007.
Mary’s unique experiences as a nurse and healthcare administrator have served her well as a Financial Advisor. She is keenly aware of the financial management challenges faced by families and business owners today, and as a result, can better prepare them as they build their financial futures. Today, Mary is privileged to work with a select group of clients. She takes great pride in helping them oversee and manage their financial obligations, so they can take care of the people they love, spend more time pursuing activities they enjoy and support the causes that are most important to them.
A native of Brooklyn Center, MN, Mary has been calling the city of Minneapolis her home for over a decade. She has been married to her high school sweetheart, Bryan, since 1979. Together, they have three grown children and two grandchildren. A lover of the arts, she volunteers at the Guthrie Theatre. When she’s not working directly with clients or volunteering, you can find Mary spending quality time with friends and family. Her favorite activities include cheering on local sports teams and travelling regularly domestically and abroad.
For nearly three decades, Mary has been providing highly customized advice, investment solutions and financial planning services to individuals and families in Minneapolis and the surrounding areas. She has significant experience working with health care professionals, corporate executives and business owners and understands the challenges they have in managing their assets. Throughout her career, she has earned the reputation of truly understanding her clients – their lives, their plans their interests – so they may achieve their financial goals and leave the legacies they desire.
An alumna of St. Catherine University, Mary earned her M.B.A. from the University of St. Thomas in 1986. She began her career in the healthcare industry as a nurse. Mary was hired by Piper Jaffrey (now UBS) in 1994 and later joined the Morgan Stanley family in 2012. She earned her CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2007.
Mary’s unique experiences as a nurse and healthcare administrator have served her well as a Financial Advisor. She is keenly aware of the financial management challenges faced by families and business owners today, and as a result, can better prepare them as they build their financial futures. Today, Mary is privileged to work with a select group of clients. She takes great pride in helping them oversee and manage their financial obligations, so they can take care of the people they love, spend more time pursuing activities they enjoy and support the causes that are most important to them.
A native of Brooklyn Center, MN, Mary has been calling the city of Minneapolis her home for over a decade. She has been married to her high school sweetheart, Bryan, since 1979. Together, they have three grown children and two grandchildren. A lover of the arts, she volunteers at the Guthrie Theatre. When she’s not working directly with clients or volunteering, you can find Mary spending quality time with friends and family. Her favorite activities include cheering on local sports teams and travelling regularly domestically and abroad.
Securities Agent: NC, MD, DC, TX, SC, NY, MT, MI, IL, HI, AZ, VA, KS, DE, AR, AK, SD, NE, WI, PA, CA, WA, UT, ND, MN, FL, CO, NH, ID, OK, OH, IA, NV, MA, CT, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253212
NMLS#: 1253212
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 Register Client Service Associate 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 Dorian Hanson
Dorian is a Senior Registered Client Service Associate with The Green Orchard Group at Morgan Stanley. She has over 35 years of experience in financial industry and is always looking for ways to expand her knowledge base to help clients with their financial needs. Throughout her time in the financial industry, she has helped thousands of clients with all things administrative including account opening, maintenance and serving as a responsible liaison between clients and wealth management teams.
Dorian graduated from Lake Superior College and has active FINRA Series 7 and 63 licenses.
She loves to read books and play with her kitten ‘Mia’. She is married with two daughters, a son, and three grandchildren who love playing baseball.
Dorian graduated from Lake Superior College and has active FINRA Series 7 and 63 licenses.
She loves to read books and play with her kitten ‘Mia’. She is married with two daughters, a son, and three grandchildren who love playing baseball.
Contact Mary B. Bennett
Contact Aaron J. Sotak
Contact Karis A. Boerner
Contact Christopher Hellie
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
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Green Orchard 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 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
