Mike Hanley
Senior Vice President, Wealth Management, Financial Advisor
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 solutions that leverage the team’s collective 43 years of experience and the vast resources of Morgan Stanley.
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 expertise is utilized in our allocation decisions.
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 expertise is utilized in our allocation decisions.
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.
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of The Hanley-Wolff Group have been awarded the following awards and recognitions:
2025 Forbes Best-In-State Wealth Management Teams
Each year, Forbes Magazine releases a list of hand-selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research.
The Hanley-Wolff Group has made the list of Best-In-State Wealth Management Teams for 2025.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
The Hanley-Wolff Group has made the list of Best-In-State Wealth Management Teams for 2025.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
2024 Forbes Best-In-State Wealth Management Teams
Each year, Forbes Magazine releases a list of hand-selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research.
The Hanley-Wolff Group has made the list of Best-In-State Wealth Management Teams for 2024.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
View press releaseThe Hanley-Wolff Group has made the list of Best-In-State Wealth Management Teams for 2024.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
2023 Forbes Best-In-State Wealth Management Teams
Each year, Forbes Magazine releases a list of hand-selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research.
The Hanley-Wolff Group has made the list of Best-In-State Wealth Management Teams for 2023.
Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
View press releaseThe Hanley-Wolff Group has made the list of Best-In-State Wealth Management Teams for 2023.
Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Forbes Top 1,000 Next Gen Wealth Advisors (2018)
Forbes Magazine spotlights young Financial Advisors across the United States who excel in their field. Dustin Wolff was named a Forbes Top 1,000 Next Generation Wealth Advisor in 2018.
Forbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18.
View press releaseForbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18.
Pacesetter's Club at Morgan Stanley Wealth Management
In 2019 and 2020, Dustin Wolff was named to the Pacesetter's Club at Morgan Stanley, a global recognition program for Financial Advisors who,
early in their career, have demonstrated the highest professional standards and first class client
service.
early in their career, have demonstrated the highest professional standards and first class client
service.
MODERN 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.
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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 award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk PlatformVALUABLE RESOURCES
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
What Should I Do With My Money?
A podcast matching real people, asking real questions about their money, with experienced Financial Advisors. Hosted by Morgan Stanley Wealth Management’s Jamie Roô.
Listen to the latest episodeThoughts on the Market Podcast
Listen to our daily financial podcast, featuring perspectives from leaders within Morgan Stanley and their takes on the forces shaping markets today.
Listen to the latest episode
Six-Step Retirement Checkup
When market volatility arises, checking in on your retirement plan may make a lot of sense. Use this article to see if you are on track.
View here
How Trusts Can Help You Protect and Transfer Your Wealth
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Read moreLocation
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
Brianna Riofski
Wealth Management Associate
Phone:
(952) 921-1957(952) 921-1957
Matthew K Johnson
Associate Vice President, Business Development Associate, Financial Planning Specialist
Phone:
(952) 830-4371(952) 830-4371
Sophia Demou
Wealth Management Associate
Phone:
(952) 830-4372(952) 830-4372
Amanda Cribbs
Registered Client Service Associate, Financial Planning Specialist
Phone:
(952) 830-4373(952) 830-4373
About Mike Hanley
Mike is a Financial Advisor and Senior Portfolio Manager at Morgan Stanley with over 23 years of experience in the investment industry. He joined the firm in 1998.
Mike creates and manages custom portfolio strategies for his clients, identifying unique opportunities to match their individual investment requirements. He focuses on long-term relationship building and takes a consultative approach to building comprehensive investment strategies.
Mike grew up in Rhode Island and graduated from Tulane University with a Bachelor of Arts degree in Economics. Mike has a long-standing love of sailing. A competitive sailor, he's now a board member of the Minnetonka Yacht Club and Lake Minnetonka Sailing School. Though their girls are nearly adults, Mike and wife, Megan, enjoyed a robust slate of volunteering in their family’s schools and church. They live in Shorewood with their two daughters, Claire and Katie.
Mike creates and manages custom portfolio strategies for his clients, identifying unique opportunities to match their individual investment requirements. He focuses on long-term relationship building and takes a consultative approach to building comprehensive investment strategies.
Mike grew up in Rhode Island and graduated from Tulane University with a Bachelor of Arts degree in Economics. Mike has a long-standing love of sailing. A competitive sailor, he's now a board member of the Minnetonka Yacht Club and Lake Minnetonka Sailing School. Though their girls are nearly adults, Mike and wife, Megan, enjoyed a robust slate of volunteering in their family’s schools and church. They live in Shorewood with their two daughters, Claire and Katie.
Securities Agent: CT, CO, DC, DE, FL, GA, IA, IL, IN, KS, MA, MD, ME, MI, MN, CA, MT, NC, NH, NJ, NV, NY, OH, OR, PA, RI, SC, SD, VT, WA, WI, AZ, MO, LA; 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 Wayzata 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 Wayzata with their two sons.
Securities Agent: SC, NY, OH, MD, WI, TX, NJ, WA, VT, MO, VA, NC, SD, ME, MN, MA, MI, NH, IL, NV, PA, RI, ND, FL, MT, GA, KS, IN, AZ, DC, CO, CA, CT, DE, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1692174
CA Insurance License #: 0K58426
NMLS#: 1692174
CA Insurance License #: 0K58426
About Brianna Riofski
Brianna Riofski started with Morgan Stanley in 2017 as a Service Associate working in operations. Since then she has completed her Masters of Business Administration Degree with a specialization in Finance from Saint Mary’s University of Minnesota.
Brianna enjoys the satisfaction of assisting clients no matter how large or small the task. In her free time she enjoys spending time outdoors, singing in a local women’s choir, and cooking.
Brianna enjoys the satisfaction of assisting clients no matter how large or small the task. In her free time she enjoys spending time outdoors, singing in a local women’s choir, and cooking.
About Matthew K Johnson
Matt grew up in Superior, WI and graduated from The College of St. Scholastica with a Bachelor of Arts degree in Humanities in Duluth, MN. He started with Morgan Stanley in 2017 and brings over a decade of experience delivering exceptional client service.
Prior to joining the team, he worked on the institutional side, where he managed a team that provided operational support to Family Office clients.
Matt is excited to be back in the Twin Cities and when not spending time with his family, he enjoys camping, golf, and watching sports.
Prior to joining the team, he worked on the institutional side, where he managed a team that provided operational support to Family Office clients.
Matt is excited to be back in the Twin Cities and when not spending time with his family, he enjoys camping, golf, and watching sports.
About Sophia Demou
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 Amanda Cribbs
Amanda is a Registered Client Service Associate and has been with Morgan Stanley since 2018. As a dedicated client service professional, Amanda assists clients in day-to-day functions and is responsible for providing operational and administrative support.
Amanda is from Eden Prairie, MN and graduated from North Dakota State University with a degree in Zoology. After business hours, she enjoys playing golf and pickleball. She is also an avid traveler and scuba diver.
Amanda is from Eden Prairie, MN and graduated from North Dakota State University with a degree in Zoology. After business hours, she enjoys playing golf and pickleball. She is also an avid traveler and scuba diver.
Contact Mike Hanley
Contact Dustin Wolff
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Hanley Wolff 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Products 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.
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.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Products 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.
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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
