Mike Hanley
Senior Vice President, Wealth Management, Financial Advisor, Lending Specialist
Phone:
(952) 921-1981(952) 921-1981
The Hanley Wolff Group at Morgan Stanley
Direct:
(952) 921-1900(952) 921-1900
Direct:
(239) 449-7802(239) 449-7802
Toll-Free:
(800) 927-1990(800) 927-1990
Our Mission Statement
Innovative wealth management solutions and extraordinary service from an experienced financial planning team dedicated to putting their clients first.
Our Approach
The Hanley-Wolff Group provides personalized financial planning and investment management strategies that leverage the team’s 50+ years of experience and the vast resources of Morgan Stanley. Helping individuals, families, executives, and business owners navigate life’s financial decisions with confidence.
We take pride that many of our clients have worked with us for over two decades, including families whom we have served for multiple generations. Our consultative approach allows us to establish long-term, trusting relationships.
In an industry that is highly commoditized, we believe in an independent and prudent approach to portfolio management. The team delivers personalized investment strategies that incorporate your financial plan. We have long standing relationships with select asset managers, their respective industry experience is utilized in our allocation decisions.
Our Integrated Approach to Planning Includes:
• Cash Management & Budgeting
• Lending & Liquidity Solutions
• Wealth Transfer & Estate Strategies
• Asset Protection & Proactive Risk Management
• Account Consolidation
• Philanthropic Management
We take pride that many of our clients have worked with us for over two decades, including families whom we have served for multiple generations. Our consultative approach allows us to establish long-term, trusting relationships.
In an industry that is highly commoditized, we believe in an independent and prudent approach to portfolio management. The team delivers personalized investment strategies that incorporate your financial plan. We have long standing relationships with select asset managers, their respective industry experience is utilized in our allocation decisions.
Our Integrated Approach to Planning Includes:
• Cash Management & Budgeting
• Lending & Liquidity Solutions
• Wealth Transfer & Estate Strategies
• Asset Protection & Proactive Risk Management
• Account Consolidation
• Philanthropic Management
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Retirement PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Trust AccountsFootnote6
- Business Succession PlanningFootnote7
- Wealth ManagementFootnote8
- Planning for Education FundingFootnote9
- Philanthropic ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Referrals have helped build our practice. We believe our extraordinary level of service, thoughtful advice, and stability of the group instills confidence, leading some clients to refer the team to their business associates, friends, and families.
Planning for Life
The Hanley-Wolff Group supports high net worth individuals’ and families’ journey through life and into retirement. The team’s extensive experience combined with Morgan Stanley’s industry leading resources and product specialists enable us to assist with almost every facet of financial services - investment management, retirement planning, insurance and cash management, to legacy, philanthropy, and education planning.
Investment Management
We focus on delivering results for our clients with an emphasis on after-tax performance. We apply our experience and knowledge across public and private markets all within the context of your specific financial plan.
Philanthropy
We guide you in translating personal values and family legacies into results-oriented charitable giving programs to help you achieve your philanthropic goals. We help many of our clients utilize Donor Advised Funds and qualified charitable distributions from IRAs.
Education Planning:
As the costs of higher education trend higher each year, we help you to save and invest for the future education expenses of your children and grandchildren using 529 accounts and other strategies.
Sale of a Business
We can provide clients with access to opportunities across our investment banking platform to facilitate the sale of a business.
Real Estate Purchases
Whether for a first home purchase, vacation home or an investment property, we strive to proactively guide clients through their real estate purchases.
Family Offices
Even when a client’s situation is complex, we can help deliver value and provide fluid and localized access to the most valuable capabilities of our firm.
In the case of clients such as Family Offices, we provide access to Morgan Stanley’s Outsourced Chief Investment Office (OCIO), which facilitates the delegation of fiduciary responsibilities to a third-party investment manager, providing tailored portfolio solutions including investment expertise, portfolio construction and risk management, investment platform access and cost efficiencies. OCIO delivers tailored investment solutions, grounded on a disciplined process, leveraging the full resources of Morgan Stanley. OCIO helps our clients through all phases of the relationship, providing a streamlined client interface, portfolios that are tailored to client objectives, and rigorous risk management and fiduciary oversight.
Additionally, clients may also benefit from access to Morgan Stanley Family Office Resources. Morgan Stanley Family Office Resources develops expertise, tools and networking events that enhance the ability of your financial advisor to serve as your family wealth advisor. This includes access to Family Office Resources Generalists that provide resources for philanthropy management, insurance solutions, estate planning strategies, wealth education, and even travel and concierge services.
Disclaimers:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
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
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
In the case of clients such as Family Offices, we provide access to Morgan Stanley’s Outsourced Chief Investment Office (OCIO), which facilitates the delegation of fiduciary responsibilities to a third-party investment manager, providing tailored portfolio solutions including investment expertise, portfolio construction and risk management, investment platform access and cost efficiencies. OCIO delivers tailored investment solutions, grounded on a disciplined process, leveraging the full resources of Morgan Stanley. OCIO helps our clients through all phases of the relationship, providing a streamlined client interface, portfolios that are tailored to client objectives, and rigorous risk management and fiduciary oversight.
Additionally, clients may also benefit from access to Morgan Stanley Family Office Resources. Morgan Stanley Family Office Resources develops expertise, tools and networking events that enhance the ability of your financial advisor to serve as your family wealth advisor. This includes access to Family Office Resources Generalists that provide resources for philanthropy management, insurance solutions, estate planning strategies, wealth education, and even travel and concierge services.
Disclaimers:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
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
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Working with you
Our comprehensive process focuses on you and your future - where you are today and where you want to go tomorrow. Working with you, we'll develop the strategies to help you get there, navigating life's challenges and empowering you to make smart decisions about your wealth now, and as your needs change.
1. Introductory Call
We'll start with a brief 15-minute call to get to know one another and discuss what you would like to achieve by working with a financial advisor. This helps me get a sense of where you are currently, and where you would like to be in the future. I'll conclude by sharing a bit about me and my process and determine if we are a good fit.
2. First Discovery Meeting
Next, we'll meet in-person to take a deep dive into your financial picture and discuss your near and long-term goals. We'll discuss your money values and dig into the questions that brought you here in the first place. This is a completely pressure-free meeting, and if you decide to proceed, we will move forward to our next meeting.
3. Analysis
In between our meetings, we review your documents and your goals and put together a strategy to answer some key questions.
4. Plan Presentation
During this meeting we explain, in plain English, your options and opportunities and some strategies that you can implement right away. Then we'll decide on a clear roadmap forward.
5. Plan Implementation
Upon your approval, we begin the disciplined process of executing your plan. We often collaborate with specialized professionals in key areas, as well as your CPA and estate attorney, to help ensure transparency and lead to a cohesive implementation.
6. Ongoing Service & Care
We meet with you regularly to provide updates and keep your plan on track to achieve your goals. Committed to best-in-class service, we focus on developing a relationship that provides exceptional value to you, your business, and your family.
A well-rounded investment strategy may extend beyond traditional markets. Alternative investments can provide qualified investors with access to distinctive strategies and opportunities designed to complement traditional holdings, broaden diversification and support a more comprehensive approach to long-term wealth management.
Morgan Stanley Alternative Investments
Explore alternative investment strategies beyond the public markets. Morgan Stanley provides qualified investors access to a broad alternatives platform that includes third-party and proprietary strategies across multiple asset classes. These solutions may complement a traditional portfolio while supporting goals such as diversification, income generation and tax-aware investing.
Read More
Our Hedge Funds Platform
Hedge funds can provide qualified investors with access to investment strategies that differ from traditional stock and bond approaches. Morgan Stanley's platform offers access to established hedge fund managers across a variety of strategies, providing another way to explore diversification within a broader investment plan.
Read More
1031 Exchanges
For eligible real estate investors, a 1031 exchange may provide an opportunity to defer certain capital gains taxes when exchanging qualifying investment property. Learn more about how 1031 exchanges work and the considerations that may come with incorporating one into a broader wealth strategy.
Read More
Private Markets Transaction Desk
Private markets can create unique opportunities and considerations for eligible investors and shareholders. Morgan Stanley's Private Markets Transaction Desk provides a dedicated resource for eligible shareholders and investors seeking to buy or sell eligible private company shares in the secondary market.
Read More
Private Equity
Private equity can offer qualified investors exposure to companies and opportunities outside the public markets. As part of a diversified investment approach, private equity strategies may provide another avenue for investors looking to broaden their portfolios and pursue long-term objectives.
Read More
Private Real Estate
Explore the broad range of Private Real Estate Investments and capabilities available through Morgan Stanley's comprehensive platform.
Read More
Single Manager Hedge Funds
This piece provides an introduction to single manager hedge funds, and covers topics such as common characteristics, hedged strategies, and platform offerings.
Read More
Innovative Strategies for Your Portfolio
Morgan Stanley’s alternative investment platform provides access to institutional-caliber strategies and experienced investment managers across a broad spectrum of asset classes. Our approach helps clients identify and evaluate opportunities that complement overall portfolio construction, support diversification, and align with long-term financial objectives.
Read More
Private Credit
Private Credit
Investors may consider diversifying their portfolios by exploring opportunities in the expanding private credit market. This asset class offers potential for attractive risk-adjusted returns and can serve as a strategic complement to traditional fixed-income investments.
Read MoreInvestors may consider diversifying their portfolios by exploring opportunities in the expanding private credit market. This asset class offers potential for attractive risk-adjusted returns and can serve as a strategic complement to traditional fixed-income investments.
The Alts Report
Hear from industry innovators across Morgan Stanley Wealth Management leadership and fund manager partners as they discuss the trends and opportunities shaping the alternative investments landscape.
Learn MoreMODERN WEALTH MANAGEMENT TOOLS
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
CashPlus Accounts Brochure
We have developed tools and processes and onboarded the people and partners needed to deliver on that commitment. At Morgan Stanley, you have an ally and industry leader in cybersecurity. This brochure goes into detail about what exactly CashPlus is, why it is benefical to you, and how it can better protect your assets.
CashPlus Brochure
Cybersecurity Brochure
The Cybersecurity and Fraud Protection Brochure contains detailed information regarding the resources that we use at Morgan Stanley to help ensure that your financial assets are protected from online attacks. The information below is presented in slide format and can be saved to your device for future reference.
Cybersecurity Brochure
CashPlus - Experian Benefits & Enrollment
The link below will direct you to a video by Morgan Stanley executives that will explain, in detail, the benefits of a CashPlus account combined with Experian. For example, the Identity and Credit Protection that Experian provides to our clients. The video also contains step-by-step enrollment information.
Watch Here
Tax-Smart Investing
By implementing tax-efficient strategies as part of your investment process, you may increase potential portfolio returns and achieve your goals faster. Watch to learn more about how Morgan Stanley Total Tax 365 may help you save on taxes and keep more of what you earn.
Total Tax 365Location
8300 Norman Center Dr
Ste 1150
Bloomington, MN 55437
US
Direct:
(952) 921-1900(952) 921-1900
Toll-Free:
(800) 927-1990(800) 927-1990
8889 Pelican Bay Blvd N
Suite 300
Naples, FL 34108
US
Direct:
(239) 449-7802(239) 449-7802
Meet The Hanley Wolff Group
Dustin Wolff, CFP®
First Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Family Wealth Advisor, Portfolio Management Director
Phone:
(239) 449-7802(239) 449-7802
Sophia Skidmore, Financial Planning Specialist
Wealth Management Associate
Phone:
(952) 830-4372(952) 830-4372
Kimberly Crook
Registered Client Relationship Analyst
Phone:
(952) 830-4376(952) 830-4376
Charlie Juckniess
Registered Client Relationship Analyst
Phone:
(952) 830-4375(952) 830-4375
Nik Pugmire
Client Relationship Analyst
Phone:
(952) 830-4373(952) 830-4373
About Mike Hanley
Mike is a Financial Advisor and Senior Portfolio Manager at Morgan Stanley. He joined the firm in 1998 and brings decades of experience helping clients pursue their financial goals.
Mike creates and manages customized portfolio strategies tailored to each client’s unique investment objectives, circumstances, and risk tolerance. He focuses on building long-term relationships and takes a consultative approach to developing comprehensive investment strategies.
Originally from Rhode Island, Mike earned a Bachelor of Arts in Economics from Tulane University. He has a lifelong passion for sailing and is a competitive sailor. He also serves on the board of the Minnetonka Yacht Club and previously served on the board of the Lake Minnetonka Sailing School for 12 years.
Mike and his wife, Megan, have been active volunteers in their local schools and church. They live in Shorewood and are proud parents of their two adult daughters, Claire and Katie.
Mike creates and manages customized portfolio strategies tailored to each client’s unique investment objectives, circumstances, and risk tolerance. He focuses on building long-term relationships and takes a consultative approach to developing comprehensive investment strategies.
Originally from Rhode Island, Mike earned a Bachelor of Arts in Economics from Tulane University. He has a lifelong passion for sailing and is a competitive sailor. He also serves on the board of the Minnetonka Yacht Club and previously served on the board of the Lake Minnetonka Sailing School for 12 years.
Mike and his wife, Megan, have been active volunteers in their local schools and church. They live in Shorewood and are proud parents of their two adult daughters, Claire and Katie.
Securities Agent: TX, WY, PA, MT, DE, MO, WI, VT, NV, FL, AZ, RI, OH, MN, GA, CO, NJ, NH, NC, MA, NY, ME, IL, OR, LA, IA, DC, CT, MD, IN, HI, WA, SD, SC, MI, KS, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278636
NMLS#: 1278636
About Dustin Wolff
Dustin is a Financial Advisor and Portfolio Manager at Morgan Stanley with over 18 years of experience in the investment industry. He joined the firm in 2014.
Dustin is a Board CERTIFIED FINANCIAL PLANNER™ and has a Family Wealth Advisor designation. He focuses on comprehensive wealth planning to build meaningful, multi-generational relationships with clients and their entire families. He helps clients invest using both traditional and alternative strategies with careful attention to tax efficiency, charitable giving strategies and liquidity needs.
Prior to joining Morgan Stanley in January 2014, Dustin served as Portfolio Manager for a family office in New York City. He was responsible for the firm’s investment process, including idea generation, manager due diligence, cash management, and portfolio construction. Dustin graduated with a Bachelor of Science in Finance from the University of Colorado. Dustin and his wife, Lauren, live in Naples with their two sons.
Dustin is a Board CERTIFIED FINANCIAL PLANNER™ and has a Family Wealth Advisor designation. He focuses on comprehensive wealth planning to build meaningful, multi-generational relationships with clients and their entire families. He helps clients invest using both traditional and alternative strategies with careful attention to tax efficiency, charitable giving strategies and liquidity needs.
Prior to joining Morgan Stanley in January 2014, Dustin served as Portfolio Manager for a family office in New York City. He was responsible for the firm’s investment process, including idea generation, manager due diligence, cash management, and portfolio construction. Dustin graduated with a Bachelor of Science in Finance from the University of Colorado. Dustin and his wife, Lauren, live in Naples with their two sons.
Securities Agent: DE, NJ, RI, NH, FL, WI, SC, NY, NC, MD, MI, IN, CA, PA, OH, ME, MA, MN, DC, IL, CT, CO, WY, VT, VA, TX, NV, ND, MT, MO, AZ, KS, GA, HI, WA, SD, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1692174
CA Insurance License #: 0K58426
NMLS#: 1692174
CA Insurance License #: 0K58426
About Sophia Skidmore
Sophia grew up in Lakeville, MN and graduated from the University of Wisconsin Madison’s School of Business with a degree in Finance and Investment Banking. She started her career in Scottsdale, Arizona with Vanguard’s Client Service and Operations division.
In 2022, Sophia joined Morgan Stanley where she worked on the institutional side supporting high net worth Family Office clients.
Outside of work Sophia enjoys spending time with her family and pets, reading, hiking, and playing pickleball.
In 2022, Sophia joined Morgan Stanley where she worked on the institutional side supporting high net worth Family Office clients.
Outside of work Sophia enjoys spending time with her family and pets, reading, hiking, and playing pickleball.
About Kimberly Crook
Kimberly is a Navy Veteran with an extensive background in secure communications, program & contract management and international education. She holds a master’s degree in educational leadership from Framingham State University and a bachelor’s degree in business administration from Thomas Edison State University.
In 2021 Kimberly joined Morgan Stanley through E*Trade, working in the corporate stock plan department in Alpharetta, Ga. While in Minnesota she has supported wealth management and stock plan/10b5-1 clients.
She has been married for 22 years and has three children. Her family also includes two standard poodles (Dumpling & Harley), a shih-tzu (Benji), and a Donskoy cat (Cleo).
In 2021 Kimberly joined Morgan Stanley through E*Trade, working in the corporate stock plan department in Alpharetta, Ga. While in Minnesota she has supported wealth management and stock plan/10b5-1 clients.
She has been married for 22 years and has three children. Her family also includes two standard poodles (Dumpling & Harley), a shih-tzu (Benji), and a Donskoy cat (Cleo).
About Charlie Juckniess
Charlie graduated from Creighton University with a Bachelor’s Degree in Business Administration. Outside of work, he enjoys running, playing guitar, basketball, and pickleball. He also values spending quality time with family and friends.
About Nik Pugmire
Nik Pugmire is a Client Relationship Analyst at Morgan Stanley. Prior to joining Morgan Stanley, he spent 9 months at Chase Bank as an Associate Banker.
Before banking and finance, he spent nearly 20 years in the culinary and hospitality industry as a pastry chef, including leadership roles in Chicago, IL at the Marriott Chicago Downtown and Four Seasons Chicago, as well as executive leadership for a hospitality group and his own bakery in Des Moines, IA.
Outside of work, he enjoys spending time outdoors running or biking, writing, listening to music and attending live music performances (including those of my husband, Scott, who is a talented opera singer), and spending quality time with Scott, and their dog, Roland.
Before banking and finance, he spent nearly 20 years in the culinary and hospitality industry as a pastry chef, including leadership roles in Chicago, IL at the Marriott Chicago Downtown and Four Seasons Chicago, as well as executive leadership for a hospitality group and his own bakery in Des Moines, IA.
Outside of work, he enjoys spending time outdoors running or biking, writing, listening to music and attending live music performances (including those of my husband, Scott, who is a talented opera singer), and spending quality time with Scott, and their dog, Roland.
Contact Mike Hanley
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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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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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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
Ready to start a conversation? Contact The Hanley Wolff Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
