Guy Roe, CPM®
First Vice President, Wealth Advisor, Senior Portfolio Manager
Phone:
(715) 358-7123(715) 358-7123
The Lakeland Group at Morgan Stanley
Direct:
(715) 356-9473(715) 356-9473
Toll-Free:
(800) 473-9473(800) 473-9473
Industry Award WinnerOur Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
At The Lakeland Group, our team's extensive experience and comprehensive knowledge has enabled us to successfully advise a wide range of clients with a focus on pre-retirees and retirees. We've guided many individuals through the challenges associated with retirement helping them live those years in the manner they envisioned.
Financial planning has always been a focus of our group; we believe every client should have a financial plan. As part of this commitment, we have a CERTIFIED FINANCIAL PLANNER® on our team who is especially adept at putting a client's entire financial life into a clear picture, and balancing their short-term goals with their long-term objective of retirement security.
Family is also important to each of us whether we're at home or in the office. With the composition of our team, we have the capability of advising your family for both now and the future. Many times, we've been privileged to work with third or even fourth generations of families, which is especially rewarding.
Our seasoned advisors have been through every type of market, and understand how to respond accordingly. Our clients appreciate our measured guidance especially during turbulent or difficult periods when many factors could be impacting their investments. Long-term investing is a marathon, not a sprint.
We're a true team with each advisor having their own responsibilities and areas of focus. We collaborate to provide the highest standard of care for each client. This team approach is particularly valuable when dealing with complex financial situations, such as buying a vacation home, succeeding a business or transitioning a legacy. We strive to make all of our clients' financial lives simpler so they can focus instead on those things that bring them the most fulfillment.
Meanwhile, our support professionals enhance the overall client experience with their exemplary service. They're especially gifted at navigating clients through matters involving technology—such as opening or managing their accounts, executing day-to-day financial transactions or leveraging the digital tools offered by Morgan Stanley—all with a warm touch.
For our efforts, we've been recognized as a Forbes Best-In-State Wealth Management Team from 2023 -2026. We encourage you to learn more about our group, and welcome the opportunity to have a conversation with you.
Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Asset Management
- Trust AccountsFootnote3
- 401(k) Rollovers
- Cash ManagementFootnote4
- Lending Products
- Long Term Care InsuranceFootnote5
- Life InsuranceFootnote6
- Qualified Retirement PlansFootnote7
- Business Succession PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Endowments and FoundationsFootnote10
- Fixed IncomeFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating Your Plan
To be truly effective, your financial plan must reflect the totality of your personal and financial life. Our role is to help ensure your investment objectives are consistent with your financial concerns and long-term goals.
Our four-step process was developed to help you achieve that objective.
Our four-step process was developed to help you achieve that objective.
Setting Your Financial Objectives
Through a process of discovery and discussion, we’ll work with you to articulate your wealth goals.
Together, we’ll examine your current and future needs and resources. We’ll then consider factors that might influence your overall strategy, including your risk tolerance, tax concerns, liquidity needs and time horizon.
Through careful analysis, our team will also search for potential gaps that may exist between your goals and develop strategies to help address these matters.
Together, we’ll examine your current and future needs and resources. We’ll then consider factors that might influence your overall strategy, including your risk tolerance, tax concerns, liquidity needs and time horizon.
Through careful analysis, our team will also search for potential gaps that may exist between your goals and develop strategies to help address these matters.
Creating Your Strategy
After we have an understanding of your objectives, we’ll propose a financial plan with specific strategies designed to help achieve them. Our advice may encompass issues such as retirement planning, business continuation, potential tax minimization and wealth transfer. We’ll also develop an asset allocation strategy to match your goals and risk tolerance.
Implementing Your Strategy
After discussing and refining your strategy, we’ll work to bring those elements to life. Planning is a vital part of our process. Using tools to actively monitor your plan’s progress, we’ll help to keep your plan on track.
Reviewing Objectives and Performance
We view ongoing communications as the foundation of our successful collaboration. We ask you to inform us about any changes in your life, and we’ll regularly connect with you to keep your plan in sync with your needs. No matter where life takes you, we can serve as your Financial Advisor. Many clients live out of state either part-time or permanently.
Designations typically signify that a Financial Advisor has additional experience, education or training within specific areas of wealth management which may be beneficial to their clients. The following represents the external and internal designations currently held by members of our team.
CERTIFIED FINANCIAL PLANNER® (CFP®)
CFP® professionals meet rigorous education and ethical standards. They’re trained in 72 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to serving their clients’ best interests at all times.
Certified Investment Management Analyst® (CIMA®)
The CIMA® designation provides financial professionals with the tools to go beyond investment fundamentals. The program integrates practical knowledge with investment theory with deep dives into advanced portfolio construction, accounting and risk management. It also offers a systematic process to put this knowledge into action. Designees must pass comprehensive examinations to obtain their certification, and complete ongoing education requirements every two years to maintain it.
Certified Portfolio Manager (CPM®)
The CPM® designation signifies a deeper understanding of fundamental security analysis, asset allocation and portfolio management concepts for those managing discretionary portfolios. A CPM® professional has successfully completed a course involving eight core concepts: financial statement analysis, corporate finance, fixed-income analysis, equity analysis, fiduciary responsibility, derivatives and portfolio management.
Senior Portfolio Manager
This designation indicates a Financial Advisor has been qualified by Morgan Stanley to manage clients’ assets based on their training, experience and a commitment to service.
Media, Research, and other Resources
Morgan Stanley seeks to make complex financial ideas more digestible so that our 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 worlds 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
On The Markets Research Report
Detailed market commentary from Morgan Stanley's top thought leaders on topics such as fixed income, global equities, monetary policy, and much more.
On The Markets Research Report
Rational Investing in an Age of Uncertainty
When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?
Rational Investing in an Age of Uncertainty
Global Investment Committee Weekly Research Report
The Global Investment Committee is dedicated to providing a weekly look at markets, asset class performance, and fixed income.
GIC Weekly Research Report
Forbes Awards
Forbes Best-In-State Wealth Management Teams: 2026
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2026) Data Compiled By Shook Research LLC Based On Time Period From 3/31/24-3/31/25.
Forbes Best-In-State Wealth Management Teams: 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes Best-In-State Wealth Management Teams: 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes Best-In-State Wealth Management Teams: 2023
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Location
9796 Highway 70 West
Minocqua, WI 54548
US
Direct:
(715) 356-9473(715) 356-9473
Toll-Free:
(800) 473-9473(800) 473-9473
Meet The Lakeland Group
Matthew Kluetz
First Vice President, Financial Advisor
Phone:
(715) 358-7126(715) 358-7126
Andy Roe, CIMA®
Vice President, Financial Advisor, Portfolio Manager, Certified Investment Management Analyst
Phone:
(608) 829-3246(608) 829-3246
Clara Metz, CFP®
Associate Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Resident Manager
Phone:
(715) 358-7121(715) 358-7121
Laura Borski
Portfolio Associate
Phone:
(715) 356-9473(715) 356-9473
Carmen Strasburg
Client Service Associate
Phone:
(715) 358-7136(715) 358-7136
About Guy Roe
Guy Roe is a First Vice President and Financial Advisor in Morgan Stanley’s Minocqua office.
With more than 40 years of industry experience, Guy helps individuals and families pursue their financial objectives through thoughtful wealth and portfolio management. He draws on disciplined equity research, purposeful asset allocation and select risk-management techniques, and frequently coordinates with clients’ tax and legal professionals on estate considerations. Guy’s goal is to provide clear guidance, steady perspective and responsive service at every stage of a client’s financial life.
A graduate of DePauw University with a B.A. in Economics, Guy closely follows economic forecasts and business trends to help inform portfolio construction and long-term planning. Raised in St. Louis and an Eagle Scout, he credits early leadership experiences—and many summers on Scout camp staff—for shaping his values of integrity, preparedness and community service.
Now residing in Wisconsin’s Northwoods, Guy and his wife, Katie, appreciate the ability to live, work and play amid the area’s natural beauty. Deeply engaged in the community, he has served as Treasurer of the Lakeland Hawks Ice Association, Chair of the Camp Manito-wish YMCA Board, and Director of WXPR public radio. He currently lends his time and insight to the Board of the Wisconsin State Golf Association.
Guy values enduring relationships and strives to help clients feel confident about their financial future.
With more than 40 years of industry experience, Guy helps individuals and families pursue their financial objectives through thoughtful wealth and portfolio management. He draws on disciplined equity research, purposeful asset allocation and select risk-management techniques, and frequently coordinates with clients’ tax and legal professionals on estate considerations. Guy’s goal is to provide clear guidance, steady perspective and responsive service at every stage of a client’s financial life.
A graduate of DePauw University with a B.A. in Economics, Guy closely follows economic forecasts and business trends to help inform portfolio construction and long-term planning. Raised in St. Louis and an Eagle Scout, he credits early leadership experiences—and many summers on Scout camp staff—for shaping his values of integrity, preparedness and community service.
Now residing in Wisconsin’s Northwoods, Guy and his wife, Katie, appreciate the ability to live, work and play amid the area’s natural beauty. Deeply engaged in the community, he has served as Treasurer of the Lakeland Hawks Ice Association, Chair of the Camp Manito-wish YMCA Board, and Director of WXPR public radio. He currently lends his time and insight to the Board of the Wisconsin State Golf Association.
Guy values enduring relationships and strives to help clients feel confident about their financial future.
Securities Agent: OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265159
NMLS#: 1265159
About Matthew Kluetz
Matt has been working with clients to help formulate and implement comprehensive financial plans since 2004. Before joining the Lakeland Group at Morgan Stanley, he spent 10 years as an Aerospace Engineer test flying business jets. Matt earned a B.S. in Aerospace Engineering from Wichita State University. He is a problem solver with a highly analytical background who understands that wealth planning is as much an art as it is a science.
Matt is dedicated to serving families and business owners with complex financial needs and devising a clear plan and systematic way of measuring the progress each year. Matt believes this approach keeps clients focused on reaching their goals and helps them avoid emotional pitfalls, as opposed to an index based approach which often results in investors becoming distracted by market noise and letting their emotions dictate their actions. Matt believes "it's not what you gain in the up years, but what you retain in the down years" that allow clients to be successful.
Striving to be more than a trusted advisor to their clients, Matt and the team at the Lakeland Group invest the time to truly understand their clients, listening to what matters most to them and what they want to accomplish during their lifetime. His analytical experience enables him to convey complex ideas to clients in a manner they can easily understand.
Matt is actively involved in the Eagle River Lions Club and the Eagle River Lions Club Foundation where he has served as a Board Member and Secretary of the Club. He was awarded a Melvin Jones Fellowship for his dedication and exemplary service to his Club. He is proud of his past involvement in the YMCA of the Northwoods, having served as a Board Member and President of the Eagle River Branch. Matt also serves as a board member of the Northwoods Children's Museum in Eagle River.
An engaging person with a great sense of humor, Matt enjoys meeting new people and finding common interests. He has a variety of hobbies, including traveling the world with his wife Laura for exploration and relaxation and cooking a range of ethnic foods to experiment with tastes and methods of preparation. Matt's family has a lake house, which has been in his family for over 100 years, that fills much of their summertime with boat rides and quality time with family and friends.
Matt is dedicated to serving families and business owners with complex financial needs and devising a clear plan and systematic way of measuring the progress each year. Matt believes this approach keeps clients focused on reaching their goals and helps them avoid emotional pitfalls, as opposed to an index based approach which often results in investors becoming distracted by market noise and letting their emotions dictate their actions. Matt believes "it's not what you gain in the up years, but what you retain in the down years" that allow clients to be successful.
Striving to be more than a trusted advisor to their clients, Matt and the team at the Lakeland Group invest the time to truly understand their clients, listening to what matters most to them and what they want to accomplish during their lifetime. His analytical experience enables him to convey complex ideas to clients in a manner they can easily understand.
Matt is actively involved in the Eagle River Lions Club and the Eagle River Lions Club Foundation where he has served as a Board Member and Secretary of the Club. He was awarded a Melvin Jones Fellowship for his dedication and exemplary service to his Club. He is proud of his past involvement in the YMCA of the Northwoods, having served as a Board Member and President of the Eagle River Branch. Matt also serves as a board member of the Northwoods Children's Museum in Eagle River.
An engaging person with a great sense of humor, Matt enjoys meeting new people and finding common interests. He has a variety of hobbies, including traveling the world with his wife Laura for exploration and relaxation and cooking a range of ethnic foods to experiment with tastes and methods of preparation. Matt's family has a lake house, which has been in his family for over 100 years, that fills much of their summertime with boat rides and quality time with family and friends.
Securities Agent: GA, KY, MD, CO, MS, FL, DE, AL, WI, VA, TX, NY, IL, MN, OR, MI, CA, MO, AZ, UT, SD, NC, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1264988
NMLS#: 1264988
About Andy Roe
Andy Roe creates strategies that can help clients develop, understand, and achieve their financial goals.
Andy has been working with Morgan Stanley for seven years. Prior to this, Andy led progressive wilderness expeditions for teenagers that focused on building character and leadership qualities by tackling outdoor challenges. Through this experience, he has gained a great appreciation for the complete planning process: developing, executing, and reviewing. Andy earned his B.A. in economics from Colorado College, and in June 2025, earned his CIMA® (Certified Investment Management Analyst) designation.
Working with a diverse client base, Andy helps complex families organize their affairs, document their goals, and implement strategies that can help them reach those goals more effectively. The planning process begins by listening to the client's most pressing financial concerns and prioritizing their goals. Andy believes in working collaboratively with his clients and their other professional advisors to bring clarity to their financial picture. Whether the goals are estate and tax planning strategies, retirement planning, risk management, charitable giving, business succession planning, or liability management, he strives to achieve the right balance of risk and return.
Wealth planning means more than providing clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve. It means striving to ensure they have the means to pursue what's most important to them. And it means understanding them as people with unique goals, values, and circumstances that determine the strategies developed on their behalf.
Andy, his wife, Mary, and their kids, Mackenzie and Ryan, love spending time outside and can often be found canoeing, hiking, biking, camping, golfing, and boating. Andy is particularly proud of his involvement in Camp Manito-wish YMCA and believes his experiences there have shaped nearly every aspect of his life.
Andy has been working with Morgan Stanley for seven years. Prior to this, Andy led progressive wilderness expeditions for teenagers that focused on building character and leadership qualities by tackling outdoor challenges. Through this experience, he has gained a great appreciation for the complete planning process: developing, executing, and reviewing. Andy earned his B.A. in economics from Colorado College, and in June 2025, earned his CIMA® (Certified Investment Management Analyst) designation.
Working with a diverse client base, Andy helps complex families organize their affairs, document their goals, and implement strategies that can help them reach those goals more effectively. The planning process begins by listening to the client's most pressing financial concerns and prioritizing their goals. Andy believes in working collaboratively with his clients and their other professional advisors to bring clarity to their financial picture. Whether the goals are estate and tax planning strategies, retirement planning, risk management, charitable giving, business succession planning, or liability management, he strives to achieve the right balance of risk and return.
Wealth planning means more than providing clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve. It means striving to ensure they have the means to pursue what's most important to them. And it means understanding them as people with unique goals, values, and circumstances that determine the strategies developed on their behalf.
Andy, his wife, Mary, and their kids, Mackenzie and Ryan, love spending time outside and can often be found canoeing, hiking, biking, camping, golfing, and boating. Andy is particularly proud of his involvement in Camp Manito-wish YMCA and believes his experiences there have shaped nearly every aspect of his life.
Securities Agent: GA, MN, PA, MO, MI, WI, OH, LA, KY, IN, OR, AZ, SD, IL, FL, NC, CO, VA, AL, MS, UT, NY, CA, MD, DE, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1261907
NMLS#: 1261907
About Clara Metz
Clara Metz joined the Lakeland Group in January 2020 and earned her Certified Financial Planner™ (CFP®) designation in October of 2021. This designation demonstrates that a professional has met rigorous education, experience, and ethical standards required to help guide individuals and families in achieving their financial goals. Clara brings significant value to clients by understanding their current financial position and developing personalized, tax aware financial plans to help them achieve their goals. She focuses on guiding clients through major life transitions, including retirement, divorce, and small business growth.
Before joining the Lakeland Group, Clara gained experience through internships as a tax preparer, insurance sales representative, and financial assistant. She graduated from the University of Wisconsin – La Crosse with a B.A. in Finance and a concentration in Risk, Insurance and Financial Planning.
Outside of work, Clara enjoys spending time outdoors with her husband, Ethan, and daughter, Madelyn, engaging in activities like hunting and fishing. She also plays recreational soccer, cross country skis, and is an active member of the Lakeland Rotary Club, where she has served as a board member and treasurer.
Before joining the Lakeland Group, Clara gained experience through internships as a tax preparer, insurance sales representative, and financial assistant. She graduated from the University of Wisconsin – La Crosse with a B.A. in Finance and a concentration in Risk, Insurance and Financial Planning.
Outside of work, Clara enjoys spending time outdoors with her husband, Ethan, and daughter, Madelyn, engaging in activities like hunting and fishing. She also plays recreational soccer, cross country skis, and is an active member of the Lakeland Rotary Club, where she has served as a board member and treasurer.
Securities Agent: NM, NC, KY, AR, VT, PR, OR, OK, MN, MD, MA, CA, PA, WA, SC, LA, SD, RI, MT, ME, IA, GA, FL, WV, DE, VI, UT, NH, MS, MO, KS, CO, AK, WI, NV, NJ, ND, MI, ID, TN, OH, NE, IN, IL, DC, CT, WY, TX, HI, AZ, AL, VA, NY; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1968233
NMLS#: 1968233
Contact Guy Roe
Contact Matthew Kluetz
Contact Andy Roe
Contact Clara Metz
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). 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 Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Elizabeth Menteur
Private Banker
About Elizabeth Menteur
Elizabeth Menteur is a Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Elizabeth began her career in financial services in 2013 and joined Morgan Stanley in 2017 as a Registered Support Professional. She was promoted to a Regional Client Engagement Associate in 2019. Before being promoted to Private Banker in 2023, Elizabeth joined the Private Banking Group as an Associate Private Banker in 2021.
Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration with a concentration in Finance. She lives in Milwaukee, Wisconsin. Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys traveling, painting and gluten free baking.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Elizabeth began her career in financial services in 2013 and joined Morgan Stanley in 2017 as a Registered Support Professional. She was promoted to a Regional Client Engagement Associate in 2019. Before being promoted to Private Banker in 2023, Elizabeth joined the Private Banking Group as an Associate Private Banker in 2021.
Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration with a concentration in Finance. She lives in Milwaukee, Wisconsin. Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys traveling, painting and gluten free baking.
NMLS#: 2329114
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From Our Team
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Wealth Management
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Portfolio Insights
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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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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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 Lakeland 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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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
CRC 4665150 (8/2025), 4763067 (9/2025)
