Daniel Iverson
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(630) 203-6171(630) 203-6171
The Iverson Brigham Group at Morgan Stanley
Direct:
(630) 203-6155(630) 203-6155
Our Mission Statement
Before we build portfolios, we build relationships.
Welcome
As your Financial Advisors, you can expect sound, personalized advice, a single point of contact for your financial life, and unparalleled service that results in your financial comfort.
Sound, personalized advice
We provide solutions that encompass every aspect of your financial life, target your unique situation, and emphasize your specific goals and objectives.
We ask, listen, and adapt to your changing needs.
A single point of contact for your financial life
We serve as your core advisors by helping to consolidate your finances and providing referrals to other specialists when appropriate.
We guide you along your personal road map, and take care of your family from one generation to the next.
Unparalleled service
We provide regular, consistent, and timely contact with a comprehensive follow-up process and continuing education for you and your family.
We will always be available to care for your needs.
Financial comfort
We are committed to helping your financial security by evolving with you throughout your lifetime.
We are your lead advisor and serve as the compass directing your financial journey.
We stand by you through good and bad times, with honesty, integrity, and a sense of shared values.
Sound, personalized advice
We provide solutions that encompass every aspect of your financial life, target your unique situation, and emphasize your specific goals and objectives.
We ask, listen, and adapt to your changing needs.
A single point of contact for your financial life
We serve as your core advisors by helping to consolidate your finances and providing referrals to other specialists when appropriate.
We guide you along your personal road map, and take care of your family from one generation to the next.
Unparalleled service
We provide regular, consistent, and timely contact with a comprehensive follow-up process and continuing education for you and your family.
We will always be available to care for your needs.
Financial comfort
We are committed to helping your financial security by evolving with you throughout your lifetime.
We are your lead advisor and serve as the compass directing your financial journey.
We stand by you through good and bad times, with honesty, integrity, and a sense of shared values.
Services Include
- UGMA/UTMAFootnote1
- Wealth Consulting
- 529 PlansFootnote2
- Asset Management
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Fixed IncomeFootnote5
- Lending Products
- Municipal BondsFootnote6
- Qualified Plans
- Retirement PlanningFootnote7
- Wealth ManagementFootnote8
- 401(k) Rollovers
- AnnuitiesFootnote9
- Divorce Financial AnalysisFootnote10
- Exchange Traded FundsFootnote11
- LGBT+ Planning ServicesFootnote12
- Life InsuranceFootnote13
- Long Term Care InsuranceFootnote14
- Philanthropic Services
- Trust ServicesFootnote15
- Structured ProductsFootnote16
- Sustainable InvestingFootnote17
- Cash Management and Lending ProductsFootnote18
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Financial Plan Tailored to You
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, we can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, we can help you take charge of your financial future and achieve your goals.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click Here to Learn More
Estate Planning
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to your future plans, preferences and goals.
Learn More Here
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool Today
Family Office Resources
Ultra-high net worth individuals and families often have unique and complex planning needs. Here at Morgan Stanley, we have a variety of Family Office Resources that can assist our family office clients in assessing and coming up with solutions to their goals; no matter how complex they may be.
Take the Client Engagement Assessment Here4 Step Process
Digital Tools Available For You
Morgan Stanley stands at the forefront of technology in its industry. We take pride in providing our clients with the most up-to-date financial tools and resources striving to better ensure their financial futures. Together, we can create a safe, easy to use, and time effective experience that can help meet your financial goals.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Click Here to Learn More About MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
The firm has launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Click Here to Learn More About TWVThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Click Here to Learn More About the Digital Vault
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Click Here For Tax BracketsLocation
2211 York Rd
Ste 100
Oak Brook, IL 60523
US
Direct:
(630) 203-6155(630) 203-6155
Meet The Iverson Brigham Group
Phone:
(630) 203-6179(630) 203-6179
Phone:
(630) 203-6189(630) 203-6189
Phone:
(630) 573-9763(630) 573-9763
Amy B Berg
Senior Registered Client Service Associate
Phone:
(630) 203-6155(630) 203-6155
About Daniel Iverson
Dan is dedicated to helping people achieve their lifetime goals and dreams and realizes there are many dynamics to financial planning. Knowing exactly what a client's goals are and helping to prioritize them is just as important as the strategy that is used. Dan has been a financial advisor for over 25 years. His greatest moments are when he gets to share in the excitement when a client reaches their financial goals such as: early retirement, watching their children of grandchildren graduate from college, or buying a second home. As Dan says, "It's great to know that I was able to help guide those clients over the years, by implementing customized financial plans that allowed them to accomplish their lifetime goals and dreams."
Dan and his wife Barbara have three children, Kirsten, Matthew and Samantha. When Dan is not spending time with family, he also enjoys mountain climbing and golfing. Volunteering is also important to Dan and Barbara. They have participated in mission work and have worked at their church's homeless program, PADS.
Dan and his wife Barbara have three children, Kirsten, Matthew and Samantha. When Dan is not spending time with family, he also enjoys mountain climbing and golfing. Volunteering is also important to Dan and Barbara. They have participated in mission work and have worked at their church's homeless program, PADS.
Securities Agent: SC, GA, WA, NC, WI, MO, KS, FL, CA, OR, IN, IA, CT, NV, NM, ME, LA, HI, DC, AR, UT, RI, AK, WY, PA, MT, ID, DE, TN, NH, KY, MD, AL, VT, OH, NY, IL, TX, NJ, MN, MI, MA, CO, VA, AZ, OK, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1272954
NMLS#: 1272954
About James Brigham
Jim is a dedicated professional who began his career in financial services in 1991 after earning his Masters of Business Administration from the University of South Florida. He met his wife, Gina, in 1992 while starting his career at LaSalle Financial Services in Chicago. Married in 1994, they are the proud parents of three boys, Charlie, Bill, and Leo.
In 2004, Jim transitioned his career to Smith Barney, which is now Morgan Stanley. Jim’s commitment to excellence and professional development led him to the achievement of earning the advanced designation of Certified Financial Planner in 2007 from the College of Financial Planning. He is passionate about helping clients achieve financial security by working with them to understand, develop and meet their personal goals.
For Jim, it is deeply rewarding to see his clients achieve their dreams and goals. He has successfully helped his clients navigate unexpected market events, unanticipated life transitions and complex family decisions. Jim is devoted to helping clients select the best choice for their personal situation while protecting and growing their money to make it last their lifetime.
Together with Jim’s experience and dedicated team, clients are assured consistency, continuity and a superior level of service. The team works diligently to develop long lasting relationships based on trust and collaborative communication with an average client tenure of over 20 years.
In 2004, Jim transitioned his career to Smith Barney, which is now Morgan Stanley. Jim’s commitment to excellence and professional development led him to the achievement of earning the advanced designation of Certified Financial Planner in 2007 from the College of Financial Planning. He is passionate about helping clients achieve financial security by working with them to understand, develop and meet their personal goals.
For Jim, it is deeply rewarding to see his clients achieve their dreams and goals. He has successfully helped his clients navigate unexpected market events, unanticipated life transitions and complex family decisions. Jim is devoted to helping clients select the best choice for their personal situation while protecting and growing their money to make it last their lifetime.
Together with Jim’s experience and dedicated team, clients are assured consistency, continuity and a superior level of service. The team works diligently to develop long lasting relationships based on trust and collaborative communication with an average client tenure of over 20 years.
Securities Agent: IA, GA, CO, IN, NE, OH, NJ, MI, WI, TX, OK, WA, IL, NY, MA, CA, AZ, MO, MN, CT, VT, OR, NC, KS, FL, VA, SC, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1278986
NMLS#: 1278986
About Harrison Wolff
Harrison is a Financial Advisor with the Iverson Brigham Group at Morgan Stanley. He is originally from Elmhurst, Illinois and holds a Bachelor of Science in Finance from American University in Washington, D.C. Before joining Morgan Stanley, Harrison worked as a risk analyst at Freddie Mac in the secondary mortgage market on the company’s retained portfolio. Additionally, Harrison is a CFA Charterholder and member of the CFA Society of Chicago.
Securities Agent: MN, MA, NC, MO, IL, GA, AZ, WA, NY, IA, CO, AL, IN, CT, WI, TX, OK, NJ, CA, SC, MI, FL, VT, PA, NV, KS, OH, NH, NE, VA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2401635
NMLS#: 2401635
About Leo Brigham
Leo Brigham is a dedicated Financial Advisor and Financial Planning Specialist for the Iverson Brigham Group at Morgan Stanley. With a passion for making a positive impact on people's lives, Leo is committed to helping clients feel confident about their financial situations and achieve their goals. Inspired by his father, who has been a financial advisor throughout Leo's life, he has been immersed in the industry from a young age.
Leo holds a Bachelor of Science in Business Analytics and Operations Management from the Kelley School of Business at Indiana University, graduating in 2024. During his college years, he gained valuable experience as a Quality Coordination Intern at Castle Metals in Oakbrook. After completing his education, Leo joined Morgan Stanley in March 2025, where he obtained his securities and insurance licenses and became a Financial Advisor in August 2025.
Outside of his professional life, Leo is an avid sports enthusiast, supporting teams like the Indiana Hoosiers, Chicago Bears, and Bulls. He also has a passion for rock music and enjoys playing the electric guitar. Leo loves exploring new restaurants and experimenting with new recipes.
Leo holds a Bachelor of Science in Business Analytics and Operations Management from the Kelley School of Business at Indiana University, graduating in 2024. During his college years, he gained valuable experience as a Quality Coordination Intern at Castle Metals in Oakbrook. After completing his education, Leo joined Morgan Stanley in March 2025, where he obtained his securities and insurance licenses and became a Financial Advisor in August 2025.
Outside of his professional life, Leo is an avid sports enthusiast, supporting teams like the Indiana Hoosiers, Chicago Bears, and Bulls. He also has a passion for rock music and enjoys playing the electric guitar. Leo loves exploring new restaurants and experimenting with new recipes.
Securities Agent: AZ, GA, MO, MI, IN, CT, VA, NM, KS, TX, WA, MA, WI, VT, MN, CA, SC, NC, CO, NY, NV, IL, OR, OK, OH, IA, FL, NE, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2735255
NMLS#: 2735255
About Amy B Berg
Amy joined The Iverson Brigham Group at Morgan Stanley in 2019. She has more than 25 years of experience in the financial services industry and client service experience, which helps her effectively execute the daily financial needs of our clients and contribute to an exceptional overall client experience. Her dedication to the financial services industry have fostered numerous lasting relationships with both clients and colleagues. Amy's history of working with individuals and families has provided her with a broad understanding of the needs our clients face today. Amy lives in DeKalb with her family and her Beagle, Darbie Lulubelle. She enjoys spending time with friends and family, gardening, home DIY projects and is an avid downhill skier. Amy holds her Series 7, 63 & 65.
Contact Daniel Iverson
Contact James Brigham
Contact Harrison Wolff
Contact Leo Brigham
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 Iverson Brigham 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Morgan 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.
4Morgan 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
18Morgan 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
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Morgan 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.
4Morgan 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
18Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
