Robert Hannah, CFP®
Senior Vice President, Financial Advisor
Phone:
(952) 841-6458(952) 841-6458
The Hannah-Olson Group at Morgan Stanley
Direct:
(952) 841-6458(952) 841-6458
Direct:
(952) 841-6459(952) 841-6459
Our Mission Statement
Wealth Management personalized for you.
We are committed to establishing meaningful relationships with our clients and delivering a first class client experience.
We are committed to establishing meaningful relationships with our clients and delivering a first class client experience.
Welcome
We believe that wealth management goes beyond traditional investment strategies. We see it as encompassing your entire investment and financial life – with your team of Financial Advisors involved every step of the way.
At Morgan Stanley, we strive to help pursue goals in light of each investor’s needs and circumstances.
To this end, we concentrate on developing long-term relationships through a commitment to quality client service and an ongoing dialogue, including periodic portfolio reviews and performance analyses.
At Morgan Stanley, we strive to help pursue goals in light of each investor’s needs and circumstances.
To this end, we concentrate on developing long-term relationships through a commitment to quality client service and an ongoing dialogue, including periodic portfolio reviews and performance analyses.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- 401(k) Rollovers
- Alternative InvestmentsFootnote4
- Planning for Education FundingFootnote5
- Sustainable InvestingFootnote6
- Cash Management and Lending ProductsFootnote7
- Executive Financial ServicesFootnote8
- Stock Option PlansFootnote9
- Trust ServicesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
HOW WE MANAGE YOUR MONEY
There comes a point when managing one's assets turns into a full time job. As your life evolves and grows more complex, your financial strategy-and the options for implementing that strategy- tends to grow in complexity as well.
Frequently, evaluating those options and choosing wisely among them may require more experience and attention than you have to give. In such circumstances, it makes sense to partner with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
That's where we come in! Our Financial Advisors will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
Frequently, evaluating those options and choosing wisely among them may require more experience and attention than you have to give. In such circumstances, it makes sense to partner with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
That's where we come in! Our Financial Advisors will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
Portfolio Management Process Highlights
1. Client Focus: Each account can be individually customized to help meet your requirements for growth, income or preservation of capital within your risk constraints.
2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
A Financial Plan Tailor-Made For You
Our wealth management process begins with you and your family. Holistic in our approach, we encompass all the elements of your financial life, your investments, your cash management needs and then align them with your goals for life.
We understand that the goals you set today will evolve over time. Your customized plan will evolve with it and the ever changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources provided at Morgan Stanley, we can help you take charge of your financial future and achieve your goals. Below you will find more information on the tools we use and various resources when it comes to financial planning.
We understand that the goals you set today will evolve over time. Your customized plan will evolve with it and the ever changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources provided at Morgan Stanley, we can help you take charge of your financial future and achieve your goals. Below you will find more information on the tools we use and various resources when it comes to financial planning.
Goals Planning System (GPS)
The Goals Planning System (GPS) is Morgan Stanley's proprietary integrated planning tool. Built on the firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to assess whether a client is "On Track" to achieving their financial goals.
Learn More
Financial Planning
We offer a suite of planning tools that includes goal-specific analytics that I use with my clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs.
Learn More
What's the Difference Between Saving and Investing?
Many people use the terms “saving” and “investing” interchangeably. While these two concepts are related, they aren’t exactly equal.
Learn More
How to Simplify Your Life Through Financial Consolidation
Suffering from “account sprawl” because your various accounts are housed at many different financial institutions? New account options can help.
Learn MoreWorking With You
Personal Relationships Start With a Conversation
We believe any positive relationship begins with a conversation. When you become our client, our first priority is getting to know you and your family. The cornerstone of our relationship will always be open and honest dialogue so we can understand your vision for the future.
Our clients feel good about working with us, in part, because we take the time to get to know them. Working together over the years, we have developed rapport, mutual respect, and often friendships with our clients. Our clients place a significant amount of trust in us when they seek our advice. This is not a responsibility we take lightly.
Our approach is a simple one; we align our experienced team members with the powerful resources at Morgan Stanley Smith to help you plan for life’s most important milestones. We begin by asking questions and listening carefully to your answers. The result is a positive working relationship with a financial advisor you can trust.
Our clients feel good about working with us, in part, because we take the time to get to know them. Working together over the years, we have developed rapport, mutual respect, and often friendships with our clients. Our clients place a significant amount of trust in us when they seek our advice. This is not a responsibility we take lightly.
Our approach is a simple one; we align our experienced team members with the powerful resources at Morgan Stanley Smith to help you plan for life’s most important milestones. We begin by asking questions and listening carefully to your answers. The result is a positive working relationship with a financial advisor you can trust.
A Disciplined Approach to Comprehensive Planning
In-depth planning is at the core of the work we do. Our team is dedicated to helping you organize and simplify your financial life, so you can gain the confidence that comes with having a clear understanding of all the components of your wealth.
Our approach is comprehensive and disciplined. We apply a well-ordered process of planning, establishing an asset allocation, implementing an investment strategy, and performing timely reviews.
Our goal is to keep you informed and focused so you never lose sight of your priorities, even in difficult markets.
Wealth management with the Bordonaro – Hannah Group looks beyond just the assets in your portfolio. We look at your life, and aim to address all aspects of your financial life, including banking, lending, insurance, philanthropy, estate planning, and taxes.
Our approach is comprehensive and disciplined. We apply a well-ordered process of planning, establishing an asset allocation, implementing an investment strategy, and performing timely reviews.
Our goal is to keep you informed and focused so you never lose sight of your priorities, even in difficult markets.
Wealth management with the Bordonaro – Hannah Group looks beyond just the assets in your portfolio. We look at your life, and aim to address all aspects of your financial life, including banking, lending, insurance, philanthropy, estate planning, and taxes.
Global Resources Focused on You
Morgan Stanley is powerfully positioned to provide the global capabilities and extensive resources needed to help manage your wealth.
We believe clients stay with us through the years because they feel confident that we have the skills to deal with any challenge they might encounter in their financial lives. As the financial industry evolves, so do we.
Our entire team understands frequent communication and a high level of customer service are central to providing an exceptional client experience. We work hard every day to serve our clients and sustain their trust.
Our team is committed to establishing meaningful relationships with our clients and delivering a first class client experience. We work hard to establish an open and honest dialog with clients to understand their financial goals and aspirations. Our clients place a significant amount of trust in us when they seek our advice. This is not a responsibility we take lightly. We are committed to providing thorough analysis of each individual's needs, then establishing a disciplined investment strategy that is clearly communicated to our clients on a regular basis. We place a high value on living a balanced life and having a positive impact on our community.
We believe clients stay with us through the years because they feel confident that we have the skills to deal with any challenge they might encounter in their financial lives. As the financial industry evolves, so do we.
Our entire team understands frequent communication and a high level of customer service are central to providing an exceptional client experience. We work hard every day to serve our clients and sustain their trust.
Our team is committed to establishing meaningful relationships with our clients and delivering a first class client experience. We work hard to establish an open and honest dialog with clients to understand their financial goals and aspirations. Our clients place a significant amount of trust in us when they seek our advice. This is not a responsibility we take lightly. We are committed to providing thorough analysis of each individual's needs, then establishing a disciplined investment strategy that is clearly communicated to our clients on a regular basis. We place a high value on living a balanced life and having a positive impact on our community.
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Learn More About Total Wealth View
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Goals Based Planning
Working with us, paired with our technology, is a great was to access advice and build a wealth plan. Read more about the advantage of working with our planning technology to reach your goals.
Learn More About Goals Based Planning
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest EpisodeLocation
8300 Norman Center Dr
Ste 1150
Bloomington, MN 55437
US
Direct:
(952) 841-6458(952) 841-6458
Meet The Hannah-Olson Group
Benton Olson, RICP®, QPFC
Financial Advisor, Financial Planning Specialist
Phone:
(952) 841-6459(952) 841-6459
Scott Munro
Registered Client Service Associate
Phone:
(952) 921-1905(952) 921-1905
About Robert Hannah
Bob has more than 21 years of experience as a Financial Advisor. He began his career with Piper Jaffray. Bob earned a B.A. in Business Administration from the University of St. Thomas in St. Paul, MN. As a Certified Financial Planner™ (CFP®) certificant, Bob uses this background and knowledge when developing cash flow analyses, retirement and education planning strategies for clients. He enjoys the relationships he has developed with clients over the years, along with the more analytical components of his career. Bob, his wife and their twin boys stay active with biking, running and traveling.
Securities Agent: UT, NH, IA, DC, TX, OK, NY, NE, NC, CT, WA, NJ, KS, MD, CA, VA, OR, NM, MS, MO, MA, ID, SD, OH, MI, WI, ND, IN, DE, MT, FL, NV, MN, HI, AZ, SC, IL, CO, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1316508
NMLS#: 1316508
About Benton Olson
Benton has been in the financial industry for over 9 years. He began his career with the Principal Financial Group where he focused on 401(k) plan design and implementation for small business owners as well as holistic financial planning for individuals and families. Benton earned the RICP® (Retirement Income Certified Professional) designation from the American College. He uses his passion and knowledge to serve clients and build trusting relationships. Benton graduated from the University of Minnesota with a B.A in Economics and minor in Business Management. He currently lives in Chanhassen, MN with his wife and son. Outside of the office, he enjoys traveling, golfing, hockey and being outdoors.
Securities Agent: ID, HI, DE, AL, OK, VA, SC, NV, LA, CT, CA, OR, OH, NY, ND, MO, MN, IL, GA, WI, SD, NH, NE, MI, KS, DC, AZ, TX, NC, UT, MA, IA, FL, NJ, MS, MD, WA, NM, CO, MT, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2050587
NMLS#: 2050587
About Scott Munro
Scott has excelled in his first two years in in the financial services industry while serving clients and assisting Financial Advisors. A University of Wisconsin-Eau Claire School of Business alum with a BBA in Management and Minor in Marketing, Scott also passed the Series 7 & 66 securities exams. Scott uses his background and experience to help service clients with the tools at our deposal such as Morgan Stanley Online, Digital Engagement, the mobile App, cash transfer services, E-authorization, and the Morgan Stanley budgeting tool. As the teams Client Service Associate, Scott is eager to cultivate and enhance new and existing client relationships through active communication and client processing requests. He currently lives in Minneapolis and enjoys hockey, golf, running, and watching his brother play hockey at Brown.
Contact Robert Hannah
Contact Benton Olson
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
Ready to start a conversation? Contact The Hannah-Olson 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.
2When 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.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5When 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.
6The 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.
7Morgan 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
8Morgan 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.
9Morgan 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.
10Morgan 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.
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 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 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.
2When 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.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5When 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.
6The 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.
7Morgan 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
8Morgan 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.
9Morgan 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.
10Morgan 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.
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 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 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)