Nathan Stoffregen, CFP®, CRPS®
Executive Director, Financial Advisor, Corporate Retirement Director, Financial Planning Specialist, Family Wealth Director, Portfolio Management Director
Phone:
(563) 344-4319(563) 344-4319
Our Mission Statement
We are committed to help you use your wealth to achieve your definition of investment success. In short, your goals become our focus, and working towards them becomes a commitment that we share.
Our Story and Services
As your Financial Advisor team, our role is to help you use your wealth to achieve your definition of investment success. That may mean providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early—the list is endless, and the decision is uniquely your own.
Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on our team’s 85 plus years of combined experience—and perspective informed by the insight and resources of one of the world’s largest financial firms—We will structure a portfolio for you, executing and refining that strategy to help bring you closer to achieving what is most important to you.
In short, your goals become our focus, and working towards them becomes a commitment that we share.
Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on our team’s 85 plus years of combined experience—and perspective informed by the insight and resources of one of the world’s largest financial firms—We will structure a portfolio for you, executing and refining that strategy to help bring you closer to achieving what is most important to you.
In short, your goals become our focus, and working towards them becomes a commitment that we share.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Professional Portfolio ManagementFootnote2
- Trust ServicesFootnote3
- Wealth ManagementFootnote4
- Alternative InvestmentsFootnote5
- Estate Planning StrategiesFootnote6
- Long Term Care InsuranceFootnote7
- Philanthropic ManagementFootnote8
- Qualified Retirement PlansFootnote9
- Life InsuranceFootnote10
- Business Succession PlanningFootnote11
- Cash Management and Lending ProductsFootnote12
- Corporate Pension Plans
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
At The Legacy Wealth Management Group, we understand the importance of creating a comprehensive financial plan that aligns with your unique goals and aspirations. Our team of experienced financial advisors can work with you to create a personalized financial plan that takes into account your current financial situation, future goals, and risk tolerance.
Using a suite of tools that includes a goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We believe that financial planning is an ongoing process, and we will work with you to review and adjust your financial plan as your life circumstances change.
Using a suite of tools that includes a goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We believe that financial planning is an ongoing process, and we will work with you to review and adjust your financial plan as your life circumstances change.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
2025 Federal Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, The Legacy Wealth Management Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Cybersecurity Resource Center
At The Legacy Wealth Management Group, we take cybersecurity very seriously. We know that our clients trust us to protect their sensitive financial information, and we work hard to maintain the highest standards of security.
Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do. We are committed to providing our clients with the highest level of security and peace of mind.
Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do. We are committed to providing our clients with the highest level of security and peace of mind.
Family Office Cybersecurity
Family Offices can be quite vulnerable to cyber threats and the dangers of ransomware are real. Consider these best practices to protect your information and assets in an increasingly complex digital world.
Learn More Here
Cloud Computing
As companies accelerate the move toward cloud computing, cybersecurity challenges have unequivocally intensified. Learn how two key software markets are poised to converge to mitigate new threats.
Learn More Here
Protecting Your Smart Device
Smart devices, we can’t live without them. They know our voices, our search history, and much more. This can present security risks. Here’s how to protect yourself!
Learn More Here
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn More Here
Cryptocurrency Scams
Cryptocurrency is attracting quite a bit of attention lately—including from cybercriminals. Learn more about this digital currency, as well as some popular scams that are being perpetrated by fraudsters.
Learn More Here
Cybersecurity For College Students
College students may not be too concerned about being a target for hackers. Find out why cybercriminals may prey on students and how they can protect themselves.
Learn More HereAwards, Licenses and Certifications
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of The Legacy Wealth Management Group have been awarded the following industry awards and recognitions:
Top Next-Gen Wealth Advisor Best-in-State
The Forbes/SHOOK Top Next-Gen Advisors Best-In-State list features 1,621 top professionals who cumulatively manage nearly $2.8 trillion in assets. This group have long careers ahead of them--all were born in 1985 or later and have a minimum of four years of experience as an advisor.
Mike Gesell is proud to have made the 2024 list for the state of Iowa.
[Source: Forbes (Awarded August 2024). Data compiled by SHOOK Research based on time period from Mar 2023-Mar 2024.] https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2024?ET_MID=noloc&ET_MID=nomsai
Mike Gesell is proud to have made the 2024 list for the state of Iowa.
[Source: Forbes (Awarded August 2024). Data compiled by SHOOK Research based on time period from Mar 2023-Mar 2024.] https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2024?ET_MID=noloc&ET_MID=nomsai
Best-in-State Wealth Management Team
The Forbes/SHOOK Best-In-State Wealth Management Teams list features more than 4,100 teams with cumulative assets of $5.1 trillion. Forbes’ list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
The Legacy Wealth Management Group is proud to have made the 2024 list for the state of Iowa.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
The Legacy Wealth Management Group is proud to have made the 2024 list for the state of Iowa.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Best-in-State Wealth Advisor
Each year, Forbes Magazine releases a list of hand-selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research.
Nate Stoffregen has made the list of Best-In-State Wealth Advisors for the State of Iowa for 2021, 2022 and 2023.
2021-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Nate Stoffregen has made the list of Best-In-State Wealth Advisors for the State of Iowa for 2021, 2022 and 2023.
2021-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Master's Club
An elite group composed of the Firm’s top Financial Advisors. The appointment recognizes an advisors consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.
Nate Stoffregen is apart of this exclusive group.
Nate Stoffregen is apart of this exclusive group.
Pacesetter's Club
A global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first class client service.
Mike Gesell and Kyle Dadisman are each apart of this program.
Mike Gesell and Kyle Dadisman are each apart of this program.
CFP® (Certified Financial Planner™)
Financial advisors achieve the CFP® certification mark after undergoing a rigorous accreditation process. It requires CFP® professionals to act in their clients' best interest, using in-depth knowledge of issues such as the financial planning process, tax planning, retirement planning, and estate planning.
Nate Stoffregen and Kyle Dadisman each hold this designation.
Nate Stoffregen and Kyle Dadisman each hold this designation.
CRPS® (Chartered Retirement Plans Specialist™)
The CRPS® designation is the nation's premier credential focusing on retirement plan administration. Financial advisors must pass a rigorous exam covering the process of designing, installing, and maintaining company retirement plans.
Nate Stoffregen holds this designation.
Nate Stoffregen holds this designation.
FWD® (Family Wealth Director)
Designated Family Wealth Directors must demonstrate professional knowledge and experience in a range of specialties including estate planning, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning.
The FWD designation entitles the holder to specialized access to a variety of family advisory services including, family governance and dynamics, philanthropy management and lifestyle advisory.
Nate Stoffregen holds this designation.
The FWD designation entitles the holder to specialized access to a variety of family advisory services including, family governance and dynamics, philanthropy management and lifestyle advisory.
Nate Stoffregen holds this designation.
NAPA's 2024 Top DC Advisor Team
Each year the National Association of Plan Advisors (NAPA) compiles a list of the Top Defined Contribution (DC) Advisor Teams. They acknowledge leading retirement plan advisor firms from around the country for their significant contributions to the retirement industry and for bringing excellence to the profession.
Once again, The Legacy Wealth Management Group is proud to be apart of this list!
Once again, The Legacy Wealth Management Group is proud to be apart of this list!
NAPA's 2021 Top DC Advisor Team
Each year the National Association of Plan Advisors (NAPA) compiles a list of the Top Defined Contribution (DC) Advisor Teams. They acknowledge leading retirement plan advisor firms from around the country for their significant contributions to the retirement industry and for bringing excellence to the profession.
The Legacy Wealth Management Group is proud to be apart of this list.
The Legacy Wealth Management Group is proud to be apart of this list.
Qualified Plan Financial Consultant (QPFC)
The Qualified Plan Financial Consultant (QPFC) credential, developed by some of the nation’s leading advisors and retirement plan experts, demonstrates a knowledge, expertise and commitment to working with retirement plans. Plan advisors who earn their QPFC demonstrate the expertise required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities.
Nate Stoffregen, Mike Gesell and Amy Phillips all hold this designation.
Nate Stoffregen, Mike Gesell and Amy Phillips all hold this designation.
Location
4300 East 53rd St
Ste 300
Davenport, IA 52807
US
Direct:
(563) 344-4300(563) 344-4300
Meet The Legacy Wealth Management Group
Mike Gesell, CFP®, QPFC
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(563) 344-4312(563) 344-4312
Kyle Dadisman, CFP®, QPFC
Vice President, Financial Advisor, Insurance Planning Director
Phone:
(563) 344-4329(563) 344-4329
Lois Frueh
Portfolio Associate
Phone:
(563) 344-4309(563) 344-4309
Amy Phillips
Client Service Associate
Phone:
(563) 344-4384(563) 344-4384
About Nathan Stoffregen
Nate began his career as a financial advisor with Edward Jones in 2000 and moved to Morgan Stanley in 2002. He collaborates with his clients to define, develop and execute a plan for their long term goals and objectives. As a certified financial planner, Nate's areas of focus include the following: retirement planning, business succession planning, college planning, as well as 401(k) design. In addition to his role as a Financial Advisor, Nate was the Branch Manager for the Davenport, Iowa office from 2009-2019
Born and raised in Mt. Pleasant, IA, Nate received his Bachelor of Science Degree in Chemical Engineering with a minor in Business from the University of Iowa. Nate and his wife, Tawny, live in Bettendorf with their 4 children; Isabella, Gabriella, Gavin, and Brady. Nate spends most of his free time with his kids, and enjoys boating, playing golf at Crow Valley Country Club, racquetball, and traveling. He is involved in the local community through the United Way, Chamber of Commerce and is a board member with the YMCA, Bettendorf Library, Bettendorf Family Museum and Project 15:12.
Born and raised in Mt. Pleasant, IA, Nate received his Bachelor of Science Degree in Chemical Engineering with a minor in Business from the University of Iowa. Nate and his wife, Tawny, live in Bettendorf with their 4 children; Isabella, Gabriella, Gavin, and Brady. Nate spends most of his free time with his kids, and enjoys boating, playing golf at Crow Valley Country Club, racquetball, and traveling. He is involved in the local community through the United Way, Chamber of Commerce and is a board member with the YMCA, Bettendorf Library, Bettendorf Family Museum and Project 15:12.
Securities Agent: MN, ID, OK, KS, WI, VA, SC, NM, NE, ME, GA, AL, WA, RI, NC, MS, MO, MA, FL, DE, CA, UT, NJ, HI, TX, OH, NY, IA, AZ, TN, OR, MI, IN, CO, AR, IL, NV, PA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1465499
NMLS#: 1465499
About Mike Gesell
Mike Gesell joined Morgan Stanley as a Financial Advisor in 2017 after
retiring from professional basketball. Mike’s primary focus is on building
lasting relationships with clients based on trust, integrity, and world class
advice. In 2019, he achieved the Financial Planning Specialist title and in
2022, he achieved the Qualified Plan Financial Consultant designation. He
is also experienced in portfolio construction and alternative investments.
He has a passion for learning and is always looking for ways he can better
serve his clients.
Mike was born and raised in South Sioux City, Nebraska. He attended the
University of Iowa where he earned his finance degree in three years
while graduating in the top 10% of his class. Mike was a four year starter
for the University of Iowa Men’s Basketball team. He became only the
third Hawkeye men’s basketball player of all time to earn multiple
Academic All-American honors. Mike retired from the game of basketball
after playing professionally for one season in Denmark and now resides in
Bettendorf, Iowa, with his wife, Kennedy, and sons, Maverick and Banks.
Mike enjoys volunteering for both One Eighty and Fellowship of Christian
Athletes. Mike and Kennedy love serving their church, traveling, playing
sports, spending time with family, and everything Hawkeyes.
retiring from professional basketball. Mike’s primary focus is on building
lasting relationships with clients based on trust, integrity, and world class
advice. In 2019, he achieved the Financial Planning Specialist title and in
2022, he achieved the Qualified Plan Financial Consultant designation. He
is also experienced in portfolio construction and alternative investments.
He has a passion for learning and is always looking for ways he can better
serve his clients.
Mike was born and raised in South Sioux City, Nebraska. He attended the
University of Iowa where he earned his finance degree in three years
while graduating in the top 10% of his class. Mike was a four year starter
for the University of Iowa Men’s Basketball team. He became only the
third Hawkeye men’s basketball player of all time to earn multiple
Academic All-American honors. Mike retired from the game of basketball
after playing professionally for one season in Denmark and now resides in
Bettendorf, Iowa, with his wife, Kennedy, and sons, Maverick and Banks.
Mike enjoys volunteering for both One Eighty and Fellowship of Christian
Athletes. Mike and Kennedy love serving their church, traveling, playing
sports, spending time with family, and everything Hawkeyes.
Securities Agent: MI, KS, CO, AZ, SC, OK, MN, IL, WA, OR, NC, IN, IA, FL, AR, UT, PA, MS, AL, VA, TX, TN, ME, DE, OH, NY, NJ, MA, HI, NM, CA, NV, GA, RI, MO, WI, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1722159
NMLS#: 1722159
About Kyle Dadisman
Kyle Dadisman started his career in financial services at Charles
Schwab in 2015 where worked on the high net worth trading desk as
well as their private client group. In 2018, he achieved the CERTIFIED
FINANCIAL PLANNER™ designation before moving to Morgan Stanley
later that year. Initially, he worked with financial advisors in
Iowa/Nebraska to develop comprehensive financial plans before
joining the Legacy Wealth Management Group as a financial advisor
in 2020. Kyle partners with clients on risk management, portfolio
construction, and execution of wealth strategies.
Kyle Was born and raised in Des Moines, IA and attended Indiana
Wesleyan University in Marion, IN. He completed a double Bachelors
of Science in Finance and Economics in 3 years receiving high honors.
Prior to his financial education he was an accomplished musician.
Kyle was lead tenor saxophonist in the Iowa All-State jazz band for 2
years and received a scholarship to the music performance program
at Azusa Pacific University in Los Angeles. Although he only
completed 1 year of the music program before pursuing finance, he
continued to play gigs throughout college. He enjoys traveling with
his wife, Mia, listening to live music, and doing DIY home projects.
Schwab in 2015 where worked on the high net worth trading desk as
well as their private client group. In 2018, he achieved the CERTIFIED
FINANCIAL PLANNER™ designation before moving to Morgan Stanley
later that year. Initially, he worked with financial advisors in
Iowa/Nebraska to develop comprehensive financial plans before
joining the Legacy Wealth Management Group as a financial advisor
in 2020. Kyle partners with clients on risk management, portfolio
construction, and execution of wealth strategies.
Kyle Was born and raised in Des Moines, IA and attended Indiana
Wesleyan University in Marion, IN. He completed a double Bachelors
of Science in Finance and Economics in 3 years receiving high honors.
Prior to his financial education he was an accomplished musician.
Kyle was lead tenor saxophonist in the Iowa All-State jazz band for 2
years and received a scholarship to the music performance program
at Azusa Pacific University in Los Angeles. Although he only
completed 1 year of the music program before pursuing finance, he
continued to play gigs throughout college. He enjoys traveling with
his wife, Mia, listening to live music, and doing DIY home projects.
Securities Agent: NV, MA, TX, TN, SD, OK, IL, UT, DE, VA, OR, OH, MO, GA, NM, NE, MN, ME, IN, NC, MS, HI, FL, SC, CA, RI, KS, IA, AZ, AR, AL, CO, WI, NJ, MI, WA, PA, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2051487
NMLS#: 2051487
About Lois Frueh
Lois has been in the financial services industry for over 25 years. She handles the administrative needs for the team. Lois is Series 7, 63, and 65 licensed. She worked at Merrill Lynch from 1995-2009 and has been here at Morgan Stanley ever since. Lois has been married to Mike for over 30 years and they have three children and one granddaughter. Lois is a member of St. Mark’s Lutheran Church and is a native of Davenport. She enjoys watching soccer, reading, and traveling.
About Amy Phillips
Amy Phillips joined the Legacy Wealth Management Group in October 2021 and is a graduate of the University of Iowa. She has been active in the securities industry for over 23 years! She specializes in business retirement plans-specifically qualified plans such as 401(k)s. Her skills in this area help plan sponsors select the appropriate plan for their business as well as making retirement plans easy to understand for participants.
In her spare time, Amy enjoys reading books, traveling, and spending time with her three kids.
In her spare time, Amy enjoys reading books, traveling, and spending time with her three kids.
Contact Nathan Stoffregen
Contact Mike Gesell
Contact Kyle Dadisman
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Legacy Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When 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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
1When 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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
