Phone:
(937) 431-7812(937) 431-7812
The Keystone - Miami Valley Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
The Keystone – Miami Valley Group at Morgan Stanley
Comprehensive wealth management takes an extensive set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to help tackle your family’s personal financial challenges.
The Keystone – Miami Valley Group at Morgan Stanley is a seasoned advisory team with over 240 years of collective experience who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, the team focuses on what is most important to you. They provide the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
This team of advisors uses their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. They believe the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be. The team combines the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique.
The Keystone – Miami Valley Group was named #33 in 2024 and #38 in 2023 on Forbes' list of "Best-In-State Wealth Management Teams". The team is proud of the services and solutions they offer their clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Disclaimer:
2023-2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The Keystone – Miami Valley Group at Morgan Stanley is a seasoned advisory team with over 240 years of collective experience who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, the team focuses on what is most important to you. They provide the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
This team of advisors uses their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. They believe the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be. The team combines the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique.
The Keystone – Miami Valley Group was named #33 in 2024 and #38 in 2023 on Forbes' list of "Best-In-State Wealth Management Teams". The team is proud of the services and solutions they offer their clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Disclaimer:
2023-2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Addressing Your Specific Goals & Objectives
Years ago, when the team started growing in size, they gave a lot of thought to the types of individuals and families they wanted to help. They asked themselves what are our strengths and skills, and who would best be served by our experience, perspectives and values.
Over the years, The Keystone – Miami Valley Group have built a dynamic practice that consists of a broad range of clients:
- Highly successful individuals
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Business owners and corporate executives with concentrated wealth
- Widows and Widowers seeking guidance for themselves and their families
- Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, they collectively have one thing in common: they want to secure their financial future and pursue their personal ambitions. The team helps their clients understand their current situation and provide the clarity needed to navigate life-changing events with confidence.
These events include:
- A new job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a loved one
- Caring for an ill parent/family member
- A large inheritance
They also help clients:
- Save effectively so children can attend the colleges of their choice
- Plan for retirement
- Finance a major acquisition or strengthen a business
- Diversify highly concentrated positions
- Formulate tax efficient investment strategies
- Transfer wealth across generations
- Create a legacy plan to help preserve family harmony as well as assets
- Achieve philanthropic goals
As you work with The Keystone – Miami Valley Group at Morgan Stanley, they are confident you will find the solutions they recommend are carefully coordinated to provide the knowledge and insights needed to help succeed in today’s fast-paced world. The team is skilled at working closely with your various wealth professionals – such as your CPA, estate and/or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
Over the years, The Keystone – Miami Valley Group have built a dynamic practice that consists of a broad range of clients:
- Highly successful individuals
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Business owners and corporate executives with concentrated wealth
- Widows and Widowers seeking guidance for themselves and their families
- Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, they collectively have one thing in common: they want to secure their financial future and pursue their personal ambitions. The team helps their clients understand their current situation and provide the clarity needed to navigate life-changing events with confidence.
These events include:
- A new job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a loved one
- Caring for an ill parent/family member
- A large inheritance
They also help clients:
- Save effectively so children can attend the colleges of their choice
- Plan for retirement
- Finance a major acquisition or strengthen a business
- Diversify highly concentrated positions
- Formulate tax efficient investment strategies
- Transfer wealth across generations
- Create a legacy plan to help preserve family harmony as well as assets
- Achieve philanthropic goals
As you work with The Keystone – Miami Valley Group at Morgan Stanley, they are confident you will find the solutions they recommend are carefully coordinated to provide the knowledge and insights needed to help succeed in today’s fast-paced world. The team is skilled at working closely with your various wealth professionals – such as your CPA, estate and/or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
Media and Research
Morgan Stanley seeks to make complex financial ideas more digestible so that clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the world of business and finance not only now, but in the future.
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.
Thoughts On The Market Podcast
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Report
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research ReportModern Wealth Tools
Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you’ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley’s renowned global resources and investment opportunities, The Keystone – Miami Valley Group can help you develop and maintain an optimal investment strategy. The comprehensive wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for helping build and preserve your wealth.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
Goals Planning System
A holistic Goals Planning System (GPS) approach to wealth management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track. As circumstances and goals change, your advisor can help adjust priorities and introduce additional solutions.
GPS Video
Asset Aggregation
The ability to view all of your assets together provides the opportunity to provide advice on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth View
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
*Not all documents can be accepted into Digital Vault
*Not all documents can be accepted into Digital Vault
Location
4380 Buckeye Lane
Suite 200
Beavercreek, OH 45440
US
Direct:
(937) 431-7815(937) 431-7815
Toll-Free:
(888) 251-2124(888) 251-2124
Meet The Keystone - Miami Valley Group
R. Randall Bolin, CRPS®, QPFC
First Vice President, Financial Advisor, Portfolio Management Director
Phone:
(937) 431-7871(937) 431-7871
Brendan Cunningham
First Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(937) 431-7853(937) 431-7853
Phone:
(937) 431-7872(937) 431-7872
Phone:
(937) 431-7810(937) 431-7810
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(937) 431-7832(937) 431-7832
Leslie Sandhu
Financial Advisor
Phone:
(937) 431-7845(937) 431-7845
Phone:
(937) 431-7850(937) 431-7850
Phone:
(513) 762-5392(513) 762-5392
Dan Winkler
Portfolio Management Associate
Phone:
(937) 431-7873(937) 431-7873
Jennifer Crall
Client Service Associate
Phone:
(937) 431-7870(937) 431-7870
Jenna Hall
Group Director
Phone:
(937) 431-7815(937) 431-7815
Wendy Arnold
Registered Associate
Phone:
(937) 431-7836(937) 431-7836
Julie Taylor
Client Service Associate
Phone:
(937) 312-2232(937) 312-2232
About Terry Bissonett
Terry Bissonett
Terry Bissonett is a Senior Vice President, Senior Portfolio Management Director and Financial Advisor with The Keystone – Miami Valley Group at Morgan Stanley based in Beavercreek, OH. He has over 20 years of experience in the Wealth Management industry, all of which have been at Morgan Stanley.
Terry specifically focuses on helping his clients develop integrated Wealth Management strategies by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning strategies. The Keystone – Miami Valley Group focuses on retirement planning.
Terry’s approach revolves around listening to his clients needs. Each client gets a custom portfolio based upon their specific goals and objectives. Terry incorporates investment strategies that are clear and easy to understand. He prides himself in taking a sincere personal interest in his clients which is the foundation of his advisory practice. Terry educates his clients on everything he is doing for them and why. He is constantly looking to add value to his clients, whether for their current financial situation or for better preparedness for later in life.
As your Financial Advisor, Terry can help you define and strive to meet your goals by delivering a vast array of resources and knowledge. Working together, he can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Terry has been a Beavercreek resident for over 25 years. He has an adult daughter, who also works at Morgan Stanley, a son and four grandkids. When he’s not spending time entertaining family and friends, one of Terry’s favorite hobbies is woodworking.
Terry Bissonett is a Senior Vice President, Senior Portfolio Management Director and Financial Advisor with The Keystone – Miami Valley Group at Morgan Stanley based in Beavercreek, OH. He has over 20 years of experience in the Wealth Management industry, all of which have been at Morgan Stanley.
Terry specifically focuses on helping his clients develop integrated Wealth Management strategies by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning strategies. The Keystone – Miami Valley Group focuses on retirement planning.
Terry’s approach revolves around listening to his clients needs. Each client gets a custom portfolio based upon their specific goals and objectives. Terry incorporates investment strategies that are clear and easy to understand. He prides himself in taking a sincere personal interest in his clients which is the foundation of his advisory practice. Terry educates his clients on everything he is doing for them and why. He is constantly looking to add value to his clients, whether for their current financial situation or for better preparedness for later in life.
As your Financial Advisor, Terry can help you define and strive to meet your goals by delivering a vast array of resources and knowledge. Working together, he can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Terry has been a Beavercreek resident for over 25 years. He has an adult daughter, who also works at Morgan Stanley, a son and four grandkids. When he’s not spending time entertaining family and friends, one of Terry’s favorite hobbies is woodworking.
Securities Agent: KS, AL, PA, NC, KY, IL, AK, WV, WI, NV, NE, HI, MT, MS, ME, DC, CO, CA, NH, VA, UT, MN, MI, AZ, MD, FL, TX, PR, OR, OK, NJ, TN, MO, ID, GA, SD, NM, MA, LA, DE, WA, OH, NY, IN, CT, AR, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
CA Insurance License #: OD99308
CA Insurance License #: OD99308
About R. Randall Bolin
As a Senior Portfolio Manager and Financial Planning Specialist at Morgan Stanley, Randy Bolin’s training and experience help him to not only provide objective investment guidance to the individuals and families he works with, but also to ensure that their investments fit into their full financial picture as well. This enables Randy to not only help those he works with to navigate volatile markets, but also to plan for their future while building a lasting legacy for the ones they love and the things they care about.
In addition to completing the rigorous coursework required to earn the prestigious designations of Senior Portfolio Manager and Financial Planning Specialist, Randy has also attained the Chartered Retirement Plans Specialist® and Qualified Plan Financial Consultant designations. Randy has also earned his Series 7, 31, 63 and 65 securities licenses as well as Ohio life and health insurance licenses. Randy began his career with Morgan Stanley in 2005, and is also an alumnus of The Ohio State University and a proud Veteran of the United States Air Force.
Randy and his wife Angie reside in Beavercreek, Ohio where they enjoy spending time with their 4 children: Ryan, Jack, Paige and Ben. Randy spends additional time with his children while coaching their baseball, basketball and golf teams. Randy is also very involved at his church, St. Luke Parish in Beavercreek, Ohio. He has served on several committees at St. Luke and volunteers his time to many of their causes, for which he has been awarded the St. Luke Volunteer of the Year award.
In addition to completing the rigorous coursework required to earn the prestigious designations of Senior Portfolio Manager and Financial Planning Specialist, Randy has also attained the Chartered Retirement Plans Specialist® and Qualified Plan Financial Consultant designations. Randy has also earned his Series 7, 31, 63 and 65 securities licenses as well as Ohio life and health insurance licenses. Randy began his career with Morgan Stanley in 2005, and is also an alumnus of The Ohio State University and a proud Veteran of the United States Air Force.
Randy and his wife Angie reside in Beavercreek, Ohio where they enjoy spending time with their 4 children: Ryan, Jack, Paige and Ben. Randy spends additional time with his children while coaching their baseball, basketball and golf teams. Randy is also very involved at his church, St. Luke Parish in Beavercreek, Ohio. He has served on several committees at St. Luke and volunteers his time to many of their causes, for which he has been awarded the St. Luke Volunteer of the Year award.
Securities Agent: NC, AL, SD, VA, MO, IL, FL, NV, MS, AR, WA, TN, OK, ME, CO, PR, PA, NE, HI, DC, SC, NJ, MD, KY, UT, IN, ID, WI, TX, OR, MN, MI, LA, CT, MT, KS, OH, NM, MA, DE, CA, AK, WV, NY, GA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1398765
NMLS#: 1398765
About Brendan Cunningham
Brendan Cunningham is a First Vice President, Financial Advisor and Senior Portfolio Manager with The Keystone – Miami Valley Group at Morgan Stanley based in Beavercreek, OH. Brendan received his bachelor’s degree majoring in Financial Services from Wright State University, and subsequently has earned his FINRA Supervisory Series 9 and 10 licenses, FINRA Representative Series 7, 31, 63, and 65 licenses as well as Ohio life and health insurance licenses. He is a former Branch Manager with supervisory responsibilities overseeing in excess of $5 Billion in client assets. Brendan is a 2015 graduate of the Dayton Chamber of Commerce’s Leadership Dayton program.
With over 28 years’ experience advising clients, Brendan specifically focuses on helping multi-generational families, individuals, businesses and non-profits meet their financial planning goals, affording them the ability to live and retire as planned. He takes pride in having worked with clients for decades. Brendan has helped guide families through their life cycle, from planning for their children’s education, retirement, to succession to the next generation.
Utilizing skills and knowledge derived from decades in the industry, Brendan helps guide his clients through turbulent markets as well as providing solutions for their needs. He employs a comprehensive wealth management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. Brendan often collaborates with his clients attorneys and accountants while producing financial plans. He and his team check in regularly with their clients to monitor their success and help them stay the course to attain their unique objectives.
He has an active presence in the community through various memberships as well as volunteering with local and national non-profit groups with a special focus on the younger generation. He serves as President at The Centerville-Washington Foundation and a Trustee at the Indian Lake Chamber of Commerce. He is a past President of T.J.’s Place of Hope, President of the Greene Optimists Club and Executive Board Member with the Centerville United Soccer Association.
Together, he and his wife Aimee, both multi-generational Daytonians, reside in Washington Township and are the proud parents of Dylan, Connor and Caitlyn.
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With over 28 years’ experience advising clients, Brendan specifically focuses on helping multi-generational families, individuals, businesses and non-profits meet their financial planning goals, affording them the ability to live and retire as planned. He takes pride in having worked with clients for decades. Brendan has helped guide families through their life cycle, from planning for their children’s education, retirement, to succession to the next generation.
Utilizing skills and knowledge derived from decades in the industry, Brendan helps guide his clients through turbulent markets as well as providing solutions for their needs. He employs a comprehensive wealth management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. Brendan often collaborates with his clients attorneys and accountants while producing financial plans. He and his team check in regularly with their clients to monitor their success and help them stay the course to attain their unique objectives.
He has an active presence in the community through various memberships as well as volunteering with local and national non-profit groups with a special focus on the younger generation. He serves as President at The Centerville-Washington Foundation and a Trustee at the Indian Lake Chamber of Commerce. He is a past President of T.J.’s Place of Hope, President of the Greene Optimists Club and Executive Board Member with the Centerville United Soccer Association.
Together, he and his wife Aimee, both multi-generational Daytonians, reside in Washington Township and are the proud parents of Dylan, Connor and Caitlyn.
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Securities Agent: AL, CA, UT, TX, PR, OR, NC, MO, IN, DC, NE, MT, FL, DE, LA, ID, CO, NH, PA, OH, MN, GA, CT, AZ, WI, SC, NY, MS, MI, WV, NM, NJ, ME, MD, MA, AK, WA, VA, TN, NV, KS, HI, AR, SD, OK, KY, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1024515
NMLS#: 1024515
About Brian Dannemiller
Brian G. Dannemiller
Brian Dannemiller is a Senior Vice President, Senior Portfolio Management Director and Financial Advisor with The Keystone – Miami Valley Group at Morgan Stanley based in Beavercreek, OH. He has over 34 years of experience in the Financial Services industry, and has been with the firm since 2010. Brian holds the following Licenses: Series 3, 7, 8, 31, 63, 66 as well as the CPA License (non-practicing). He also has his Ohio Life and Health Insurance License. He is a graduate of the University of Dayton with a Bachelor’s degree in Accounting and Finance.
Brian’s distinctive background formulates a well-rounded Financial Advisor that can be hard to find. He started off his career in public accounting for a handful of years. This career path helped him better understand finances, taxes and the need to develop and maintain a financial plan. Brian takes his knowledge and experience in accounting when building financial plans by incorporating tax minimization strategies for investments into his clients financial pictures.
Brian values the relationships he has with his clients and is grateful for their confidence and trust. He focuses on multi-generational planning and investment management for families, helping them articulate and define their goals and objectives. He collaborates with his clients to develop strategies designed for their unique situations, utilizing financial planning as the basis for the strategy. He helps guide his clients through turbulent markets and provides solutions for their needs, drawing upon the skills and knowledge derived from his years of experience. He is readily accessible to his clients, explains market conditions and presents comprehensive strategies in a straightforward manner.
In his spare time, Brian enjoys spending time with his wife and family. Travel and being outdoors are also on his list of enjoyable activities. Brian along with his wife Julie and children reside in Centerville, Ohio. He also served as past President of The Dayton Boat Club, Carillion Park Bell Board and Holy Angels Parish Council.
NMLS# 1027762
Brian Dannemiller is a Senior Vice President, Senior Portfolio Management Director and Financial Advisor with The Keystone – Miami Valley Group at Morgan Stanley based in Beavercreek, OH. He has over 34 years of experience in the Financial Services industry, and has been with the firm since 2010. Brian holds the following Licenses: Series 3, 7, 8, 31, 63, 66 as well as the CPA License (non-practicing). He also has his Ohio Life and Health Insurance License. He is a graduate of the University of Dayton with a Bachelor’s degree in Accounting and Finance.
Brian’s distinctive background formulates a well-rounded Financial Advisor that can be hard to find. He started off his career in public accounting for a handful of years. This career path helped him better understand finances, taxes and the need to develop and maintain a financial plan. Brian takes his knowledge and experience in accounting when building financial plans by incorporating tax minimization strategies for investments into his clients financial pictures.
Brian values the relationships he has with his clients and is grateful for their confidence and trust. He focuses on multi-generational planning and investment management for families, helping them articulate and define their goals and objectives. He collaborates with his clients to develop strategies designed for their unique situations, utilizing financial planning as the basis for the strategy. He helps guide his clients through turbulent markets and provides solutions for their needs, drawing upon the skills and knowledge derived from his years of experience. He is readily accessible to his clients, explains market conditions and presents comprehensive strategies in a straightforward manner.
In his spare time, Brian enjoys spending time with his wife and family. Travel and being outdoors are also on his list of enjoyable activities. Brian along with his wife Julie and children reside in Centerville, Ohio. He also served as past President of The Dayton Boat Club, Carillion Park Bell Board and Holy Angels Parish Council.
NMLS# 1027762
Securities Agent: DE, CO, AZ, NV, HI, AR, PA, NM, LA, WV, VA, UT, PR, MN, KY, NY, MT, MO, ID, GA, AL, AK, NH, SD, WI, WA, SC, OR, OH, NJ, NE, NC, CT, TX, IN, FL, DC, TN, IL, CA, MD, OK, MS, MI, MA, ME, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1027762
NMLS#: 1027762
About David Garber
David P. Garber
Dave Garber is a Senior Vice President, Wealth Advisor, and Senior Portfolio Management Director with The Keystone – Miami Valley Group at Morgan Stanley, based in Beavercreek, Ohio. Dave began his career in Wealth Management at Morgan Stanley in 1993, where he has been advising clients for over 31 years. He earned his Bachelor’s degree in Accounting from Wright State University and his M.B.A in Finance from the University of Dayton.
Dave started his career at General Motors/Delphi upon earning his Bachelor’s degree. He worked in various Finance, Marketing, Business Planning, and Managerial positions over the course of his 15 years at GM. Working in these various roles provided Dave with a diversified background across all facets of business, which is unparalleled in the advisory business. He incorporates his knowledge and expertise from his actual business work experience.
Dave is part of a team of professionals who are able to match your specific objectives with solutions due to their diverse resources. The team consists of a Certified Financial Planner, a Chartered Retirement Plans Specialist, two Portfolio Management Directors, two Portfolio Managers, a Senior Portfolio Manager, and a Financial Planning Specialist. In addition, you will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices by investing at Morgan Stanley.
Dave is a lifelong local area resident in Beavercreek, Ohio, where he resides with his wife, Glenda of over 45 years. Together, they have two grown sons, Ryan and Ross, who are both married and have five grandchildren Dylan, Addison, Grant, Madelyn, and Callie. In his spare time, Dave enjoys traveling, visiting historical sites, exercising, and high performance classic American muscle cars.
Dave Garber is a Senior Vice President, Wealth Advisor, and Senior Portfolio Management Director with The Keystone – Miami Valley Group at Morgan Stanley, based in Beavercreek, Ohio. Dave began his career in Wealth Management at Morgan Stanley in 1993, where he has been advising clients for over 31 years. He earned his Bachelor’s degree in Accounting from Wright State University and his M.B.A in Finance from the University of Dayton.
Dave started his career at General Motors/Delphi upon earning his Bachelor’s degree. He worked in various Finance, Marketing, Business Planning, and Managerial positions over the course of his 15 years at GM. Working in these various roles provided Dave with a diversified background across all facets of business, which is unparalleled in the advisory business. He incorporates his knowledge and expertise from his actual business work experience.
Dave is part of a team of professionals who are able to match your specific objectives with solutions due to their diverse resources. The team consists of a Certified Financial Planner, a Chartered Retirement Plans Specialist, two Portfolio Management Directors, two Portfolio Managers, a Senior Portfolio Manager, and a Financial Planning Specialist. In addition, you will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices by investing at Morgan Stanley.
Dave is a lifelong local area resident in Beavercreek, Ohio, where he resides with his wife, Glenda of over 45 years. Together, they have two grown sons, Ryan and Ross, who are both married and have five grandchildren Dylan, Addison, Grant, Madelyn, and Callie. In his spare time, Dave enjoys traveling, visiting historical sites, exercising, and high performance classic American muscle cars.
Securities Agent: NJ, AZ, OR, NY, KS, DE, CA, TN, OK, KY, WV, PR, NC, ME, AL, NH, WI, OH, NV, NE, LA, ID, VA, CO, MO, MN, DC, CT, AK, SD, MT, MS, MD, IL, FL, AR, WA, UT, TX, PA, MI, IN, HI, GA, SC, NM, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Kyle Poland
Kyle W. Poland
Kyle Poland is a Senior Vice President, Financial Advisor, Portfolio Management Director, and Financial Planning Specialist with The Keystone – Miami Valley Group at Morgan Stanley, based in Beavercreek, Ohio. Kyle has over 16 years of experience in Financial Services, specifically in Wealth Management. In 2009, Kyle and his team were recruited from UBS to join Morgan Stanley. He holds his Series 7 and 66, Ohio Life and Health Insurance Licenses, as well as the Certified Financial Planner™ designation. Kyle earned his degree in Psychology from Centre College, where he was on the track, cross country and swim teams.
Kyle’s passion in the Financial Advisory business is derived from his father, who serviced the local investment needs in Kyle’s hometown of Danville, Kentucky. Kyle learned early in life the power of compounding interest and goal setting from his father. These lessons would prove to be crucial as they play a major role when Kyle is developing his Goals-Based Planning approach with his multi-generation families and individual clients.
Kyle’s approach revolves around listening to his clients needs. Each client gets an actively managed portfolio based upon their specific goals and objectives. Kyle incorporates investment strategies that are clear and easy to understand. He prides himself in taking a sincere personal interest in his clients, which is the foundation of his advisory practice. He is constantly looking to help add value to his clients, whether for their current financial situation or for better preparedness for later in life.
Kyle was a professional triathlete and certified triathlon coach. He was the President of the Mason-Deerfield Rotary Club, where he has been an active member since 2009. In his spare time, Kyle is an active sports enthusiast as a member of the US Masters Swimming Association, and an assistant swim coach at the Coffman Family YMCA. In August 2013, Kyle carried out a long time dream when he successfully swam across the English Channel in support of the Miles that Matter Foundation. Together, he and his wife reside in Springboro, Ohio with their two children.
Kyle Poland is a Senior Vice President, Financial Advisor, Portfolio Management Director, and Financial Planning Specialist with The Keystone – Miami Valley Group at Morgan Stanley, based in Beavercreek, Ohio. Kyle has over 16 years of experience in Financial Services, specifically in Wealth Management. In 2009, Kyle and his team were recruited from UBS to join Morgan Stanley. He holds his Series 7 and 66, Ohio Life and Health Insurance Licenses, as well as the Certified Financial Planner™ designation. Kyle earned his degree in Psychology from Centre College, where he was on the track, cross country and swim teams.
Kyle’s passion in the Financial Advisory business is derived from his father, who serviced the local investment needs in Kyle’s hometown of Danville, Kentucky. Kyle learned early in life the power of compounding interest and goal setting from his father. These lessons would prove to be crucial as they play a major role when Kyle is developing his Goals-Based Planning approach with his multi-generation families and individual clients.
Kyle’s approach revolves around listening to his clients needs. Each client gets an actively managed portfolio based upon their specific goals and objectives. Kyle incorporates investment strategies that are clear and easy to understand. He prides himself in taking a sincere personal interest in his clients, which is the foundation of his advisory practice. He is constantly looking to help add value to his clients, whether for their current financial situation or for better preparedness for later in life.
Kyle was a professional triathlete and certified triathlon coach. He was the President of the Mason-Deerfield Rotary Club, where he has been an active member since 2009. In his spare time, Kyle is an active sports enthusiast as a member of the US Masters Swimming Association, and an assistant swim coach at the Coffman Family YMCA. In August 2013, Kyle carried out a long time dream when he successfully swam across the English Channel in support of the Miles that Matter Foundation. Together, he and his wife reside in Springboro, Ohio with their two children.
Securities Agent: PA, CO, WA, UT, NC, LA, HI, AZ, OH, NM, NE, TN, MO, KS, IL, CT, AR, NH, SC, MT, VA, MA, AL, TX, NY, MS, KY, ID, FL, SD, OR, OK, NV, DE, DC, AK, MN, MI, ME, MD, CA, WV, WI, PR, NJ, IN, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Leslie Sandhu
Leslie Sandhu
Leslie Sandhu is a Financial Advisor with The Keystone – Miami Valley Group at Morgan Stanley, based in Beavercreek, Ohio. She has twenty years of experience in the financial services industry, and joined the firm in 2008.
As your Financial Advisor, Leslie can help you define and strive to meet your goals. She draws on her broad experience and Morgan Stanley’s vast resources to assist with almost every facet of financial services including investment management, retirement, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice Leslie offers.
Leslie received her Bachelor’s degree from Wright State University with a major in Economics. She holds Series 7, Series 63 and Series 65 as well as Ohio Life and Health Insurance Licenses.
She resides in Centerville, Ohio where she spends time coaching her daughter’s sports teams and staying involved with their school and local community. Outside of work, Leslie loves traveling and playing tennis.
Leslie Sandhu is a Financial Advisor with The Keystone – Miami Valley Group at Morgan Stanley, based in Beavercreek, Ohio. She has twenty years of experience in the financial services industry, and joined the firm in 2008.
As your Financial Advisor, Leslie can help you define and strive to meet your goals. She draws on her broad experience and Morgan Stanley’s vast resources to assist with almost every facet of financial services including investment management, retirement, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice Leslie offers.
Leslie received her Bachelor’s degree from Wright State University with a major in Economics. She holds Series 7, Series 63 and Series 65 as well as Ohio Life and Health Insurance Licenses.
She resides in Centerville, Ohio where she spends time coaching her daughter’s sports teams and staying involved with their school and local community. Outside of work, Leslie loves traveling and playing tennis.
Securities Agent: NM, AZ, VT, UT, TX, NY, MO, AL, NC, MN, ME, MA, LA, IN, GA, WI, PA, NV, MI, DE, NH, WV, MT, MD, FL, OR, NE, MS, ID, AK, WA, VA, KY, CT, CO, CA, SD, SC, OH, DC, TN, HI, PR, AR, OK, NJ, KS, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2086448
NMLS#: 2086448
About Rick Taylor
I have provided comprehensive financial strategies for individuals, corporations and family foundations for over 28 years. A member of Morgan Stanley’s elite President’s Club, Master’s Club and most recently in 2019, Century Club, I focus on Wealth Management for my client base. Implementing customized strategies to help meet and exceed each client’s unique goals, I specifically concentrate on portfolio management. As the son of recently retired financial consultant Dick Taylor, I grew up in the industry. As a Dayton native, I have a strong connection with the community. A member of Moraine Country Club, my sons Sam and Chance and I enjoy golfing with family and friends. I am proud to supportive of a host of community philanthropic organizations and my wife and I are active in Catholic Social Services and Moms 4 Miracles, a charity founded by my sister Sallie. An alumnus of The Ohio State University, I double majored in Computer Information Science and Production Operations Management. I feel fortunate to work with many creative, talented and successful individuals, and feel blessed to help them simplify the complex financial issues and challenges that often face them. I understand the demands and responsibilities of significant wealth, and I work with clients at all stages of their lives. As a financial planning specialist, it is a joy to help empower my clients and their families to fully embrace their preferred lifestyle.
Morgan Stanley Wealth Management President’s, Master’s and Century Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President’s, Master’s and Century Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management President’s, Master’s and Century Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President’s, Master’s and Century Club membership is no guarantee of future performance.
Securities Agent: OK, KY, NJ, ME, MD, ID, FL, NY, NE, NC, MN, IL, CT, AZ, WV, WI, NM, HI, CO, CA, NH, PA, MS, MO, AK, AR, WA, SD, OR, IN, GA, KS, VA, TN, SC, NV, DE, DC, TX, PR, OH, LA, AL, UT, MT, MI, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262087
NMLS#: 1262087
About Sam Taylor
Sam Taylor is a third-generation Financial Advisor with Morgan Stanley. As a 2022 Pacesetter's Club Award Winner, Sam is passionate about sharing his knowledge, as well as Morgan Stanley's robust suite of services, with his clients and their loved ones. Sam's focus lies in multigenerational wealth management and financial planning. He takes pleasure in communicating across generations and serving his client's needs as they journey towards financial success.
Sam graduated magna cum laude from the University of Kentucky with degrees in both Finance and Management. He is a fourth-generation member of the Moraine Country Club and is proud of his strong connections throughout Ohio. Sam shares in his family's competitive spirit and competes in golf tournaments throughout the year. Sam also supports his alma mater through the Dance Blue benefit for Lexington's Children Hospital.
Sam graduated magna cum laude from the University of Kentucky with degrees in both Finance and Management. He is a fourth-generation member of the Moraine Country Club and is proud of his strong connections throughout Ohio. Sam shares in his family's competitive spirit and competes in golf tournaments throughout the year. Sam also supports his alma mater through the Dance Blue benefit for Lexington's Children Hospital.
Securities Agent: IN, TX, TN, SD, NJ, ME, KY, CO, OR, NV, AR, AK, FL, PR, NM, MI, DC, WI, WA, OH, NE, MA, ID, CA, NH, WV, NY, NC, AL, MN, LA, IL, DE, AZ, VA, PA, HI, SC, OK, MO, UT, MT, MS, MD, KS, GA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1792008
NMLS#: 1792008
About Chance Taylor
The second grandson of retired financial advisor Dick Taylor, Chance grew up in the world of finance and studied at the Fisher School of Business at The Ohio State University. As Financial Advisor, Chance’s responsibilities include client relationships, investment strategies and managing portfolios for the team’s multigenerational client base. Chance worked as a summer intern for two years at Morgan Stanley, where he was able to learn his grandfather’s techniques which he combines with the latest technological advances to create solutions for clients and for their families. Chance joins his father Rick and his brother Sam who, with their grandfather’s experience, have 70 years of industry knowledge.
Chance is a graduate of Alter High School, where played Varsity golf as a freshman and was team captain as a senior. He won the school’s awards for Business and for Health and Fitness. Chance carries these passions into his adult life, where he is a member of Moraine Country Club and of the Columbus Young Professionals. He is also the owner of a mini Aussie Doodle puppy named Tito. A believer in giving back to his community from his lifetime of attending Catholic school, Chance has been a long time supporter of JDRF and has supported Moms 4 Miracles, Food for the Journey Project and CHA CHA for Dayton Children’s Hospital. Chance loves to travel, learn about wine and cook gourmet meals. He feels fortunate to be the third generation in this industry and knows that he is blessed to still have two of his grandparents, with whom he spends as much time as possible.
Chance is a graduate of Alter High School, where played Varsity golf as a freshman and was team captain as a senior. He won the school’s awards for Business and for Health and Fitness. Chance carries these passions into his adult life, where he is a member of Moraine Country Club and of the Columbus Young Professionals. He is also the owner of a mini Aussie Doodle puppy named Tito. A believer in giving back to his community from his lifetime of attending Catholic school, Chance has been a long time supporter of JDRF and has supported Moms 4 Miracles, Food for the Journey Project and CHA CHA for Dayton Children’s Hospital. Chance loves to travel, learn about wine and cook gourmet meals. He feels fortunate to be the third generation in this industry and knows that he is blessed to still have two of his grandparents, with whom he spends as much time as possible.
Securities Agent: MN, CO, WV, WA, UT, TX, OH, MA, TN, MS, MT, IN, HI, DE, OK, KS, AR, AL, NH, MO, GA, CA, VA, PA, NY, NC, MD, KY, AZ, OR, NV, NJ, MI, ID, SD, PR, NE, FL, DC, CT, AK, WI, SC, NM, ME, LA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2039099
NMLS#: 2039099
About Dan Winkler
In addition to his responsibility as a Portfolio Management Associate, Dan serves as the portfolio analyst for The Keystone – Miami Valley Group, performing due diligence including fundamental, qualitative and technical research for each investment our Portfolio Managers consider to ensure outstanding value to the client. As a 2019 graduate from the University of Dayton, Dan brings his unique undergraduate experience in investments from the Davis Center for Portfolio Management as well as the Flyer Angels Venture Capital fund, two of the largest funds with full student discretion in the United States.
Dan learned the value of investing at an early age from his father, a successful small business owner in St. Louis, Missouri. This passion for investments is what brought him to the University of Dayton to study finance, then to Morgan Stanley as a Portfolio Management Intern, and now as a Portfolio Management Associate for The Keystone - Miami Valley Group at Morgan Stanley.
When he isn’t conducting research for our portfolios, Dan enjoys cheering on the St. Louis Cardinals and St. Louis Blues, composing music, cooking gourmet dishes and weight training. Since becoming a resident of downtown Dayton, Dan has also developed an affinity for going to Dayton Dragons games and enjoying local restaurants.
Dan learned the value of investing at an early age from his father, a successful small business owner in St. Louis, Missouri. This passion for investments is what brought him to the University of Dayton to study finance, then to Morgan Stanley as a Portfolio Management Intern, and now as a Portfolio Management Associate for The Keystone - Miami Valley Group at Morgan Stanley.
When he isn’t conducting research for our portfolios, Dan enjoys cheering on the St. Louis Cardinals and St. Louis Blues, composing music, cooking gourmet dishes and weight training. Since becoming a resident of downtown Dayton, Dan has also developed an affinity for going to Dayton Dragons games and enjoying local restaurants.
About Wendy Arnold
Wendy Arnold began her Morgan Stanley journey as a college intern, and returned to join the Taylor Group in 2018 after a successful career in sales and customer service. As Client Service Associate for the Taylor Group, her primary responsibilities include building client relationships, technological engagement including assisting clients with Morgan Stanley Online, and overseeing the new client onboarding process. Wendy holds the Registered Service Associate designation, as well as a Bachelor’s degree in Business Administration from Lee University.
Prior to joining Morgan Stanley, Wendy worked in a variety of industries, including real estate, mortgage lending, software sales and support, and interior design.
Wendy is the mother to twin daughters who keep her very busy with cheerleading, baking projects, and summer travels to Western Michigan.
Prior to joining Morgan Stanley, Wendy worked in a variety of industries, including real estate, mortgage lending, software sales and support, and interior design.
Wendy is the mother to twin daughters who keep her very busy with cheerleading, baking projects, and summer travels to Western Michigan.
About Julie Taylor
Julie brings her marketing and development background to the Taylor Group at Morgan Stanley. The 2012 Elsie T. Mead Award Winner for Dayton Children's Women's Board, Julie is a past co-chair of CHA CHA, co-founder of the Catholic Schools Unity Mass, former member of the Board of Trustees at Alter High School and serves in numerous philanthropic capacities in our community.
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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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
6Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
6Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
