Phone:
(952) 921-1932(952) 921-1932
The Lutz/Rohs Group at Morgan Stanley
Direct:
(952) 921-1900(952) 921-1900
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
The primary objective of the Lutz/Rohs Group is working together with our clients to help you achieve your personal financial goals. With you as our client, we monitor your portfolio, keeping you informed of changes and developments and making any adjustments necessary to help accomplish growing and preserving your wealth.
We are able to create a comprehensive view of your financial situation with our Goals Planning System - https://www.morganstanley.com/what-we-do/wealth-management/gps. This, along with our over 50 years of combined management skills experience, will help prepare you for life transitions and financial commitments that may come your way.
We are able to create a comprehensive view of your financial situation with our Goals Planning System - https://www.morganstanley.com/what-we-do/wealth-management/gps. This, along with our over 50 years of combined management skills experience, will help prepare you for life transitions and financial commitments that may come your way.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Helping you achieve financial security no matter what age.
At The Lutz/Rohs Group, we are here to answer critical financial questions and adapt your strategy to help meet your needs as they change over time. Here are some of the meaningful tips our clients can use.
Planning in Your 20s
In the beginning most people will not have a large amount to put away, so it is all about asset accumulation.
Read the tips herePlanning in Your 30s
As your income starts to go up so will your goals, this is the time to focus on goal planning.
Read the tips herePlanning in Your 40s
This is usually the age where goals may shift or become different, this is the time to review goals.
Read the tips herePlanning in Your 50s
These will most likely be your prime earning years and retirement is on the horizon, now is the time to accumulate assets.
Read the tips herePlanning in Your 60s
This is your retirement decade, it is not time to start to transition from the work force and your budget with it.
Read the tips herePlanning in Your 70s
At this point you will start to collecting from IRAs, it is important to keep your budget in check by reviewing it consistently.
Read the tips hereA Wealth Management Strategy as Individual as You Are
As your Financial Advisor the wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
Chances are, that the goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, I can help you take charge of your financial future and achieve your goals.
We have assembled a couple financial tools that speak to our wealth management philosophy and investment strategy. We have provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
Chances are, that the goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, I can help you take charge of your financial future and achieve your goals.
We have assembled a couple financial tools that speak to our wealth management philosophy and investment strategy. We have provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results
We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereWe are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Assessing our clients’ full investment needs and risks is an essential component of providing comprehensive financial advice in portfolio construction. Key features of the Portfolio Risk Tool, Aladdin, include broadly managing risk, identifying risk based concerns and constructing risk mitigated portfolios.
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Assessing our clients’ full investment needs and risks is an essential component of providing comprehensive financial advice in portfolio construction. Key features of the Portfolio Risk Tool, Aladdin, include broadly managing risk, identifying risk based concerns and constructing risk mitigated portfolios.
Estate Planning Brochure
You have worked long and hard to achieve success and build wealth for you and your family. There have been numerous challenges along the way. You may be at a point now where your greatest challenge is preserving your wealth and building a plan for its transition to those you choose in a way you choose.
Wealth and Estate Planning Video Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Watch VideosOur Tools to Support and Protect Your Financial Plan
Our comprehensive suites of digital tools are designed to help enhance every aspect of your financial life. This will allow you to view your financial plan, while also safeguarding your personal information.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Cybersecurity
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
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.
Digital VaultUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
Online
Location
8300 Norman Center Dr
Ste 1150
Bloomington, MN 55437
US
Direct:
(952) 921-1900(952) 921-1900
Meet The Lutz/Rohs Group
Phone:
(952) 921-1995(952) 921-1995
Hannah Spasojevic
Senior Registered Client Service Associate
Phone:
(952) 921-1920(952) 921-1920
About Sean Lutz
Sean develops customized investment strategies designed to help his clients preserve their wealth for their lifetime. With more than 25 years of experience, he has earned a reputation for helping individuals and families work toward their most important financial goals while preparing them for their future. He uses the industry-leading global resources and intellectual capital of Morgan Stanley, in combination with his depth of knowledge, to create financial plans and make knowledgeable recommendations that allow his clients to focus on enjoying their lives.
Sean is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a prestigious designation demonstrating his ability to develop strategies that have the potential to minimize taxes, preserve assets, maximize growth and transfer wealth. He has also earned a Certified Investment Management Analyst (CIMA®) designation, signifying a high level of consulting experience with asset allocation, ethics, due diligence, investment policies, and risk and performance measurement.
Prior to joining Morgan Stanley in 1999, Sean had a 10-year career as an air traffic controller. He earned an undergraduate degree in finance from the University of Wisconsin–Eau Claire. Outside of work, Sean’s top priority is his family, all of whom share his love of sports. He serves as a coach to his sons’ lacrosse team and is an active supporter of their hockey program. He also enjoys golfing, snowmobiling and travel.
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. 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.
Sean is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a prestigious designation demonstrating his ability to develop strategies that have the potential to minimize taxes, preserve assets, maximize growth and transfer wealth. He has also earned a Certified Investment Management Analyst (CIMA®) designation, signifying a high level of consulting experience with asset allocation, ethics, due diligence, investment policies, and risk and performance measurement.
Prior to joining Morgan Stanley in 1999, Sean had a 10-year career as an air traffic controller. He earned an undergraduate degree in finance from the University of Wisconsin–Eau Claire. Outside of work, Sean’s top priority is his family, all of whom share his love of sports. He serves as a coach to his sons’ lacrosse team and is an active supporter of their hockey program. He also enjoys golfing, snowmobiling and travel.
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. 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.
Securities Agent: ND, GA, SC, MS, CA, AZ, SD, IA, OH, CO, AR, AK, MO, MN, MA, FL, NY, TN, WI, KS, IL, WA, TX, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288391
CA Insurance License #: 1842515
NMLS#: 1288391
CA Insurance License #: 1842515
About Bryan Hadley Rohs
Bryan provides highly personalized financial services to individuals and families interested in collaborating with a professional who can help build their wealth, secure their retirement income or create estate planning strategies to provide for future generations. Clients can expect him to take the time to gain a strong understanding of their objectives and provide sound financial strategies based upon their needs. Bryan’s disciplined, structured process helps bring his clients confidence that he puts their interests first and can help them reach their goals through each stage of life.
Bryan creates customized comprehensive strategies for individuals, families and business owners to help secure their financial situations and has done this for nearly 31 years. He has experienced both challenging and rewarding market cycles and offers clients a seasoned perspective that helps enable them to achieve their financial goals. He is a Chartered Retirement Planning Counselor℠ (CRPC®), a designation which denotes his experience in pre-and post-retirement planning needs, including meeting multiple financial objectives, sources of retirement income, personal savings, employer-sponsored retirement plans, tax planning strategies, retirement cash flow, asset management, estate planning strategies and more. From 2013 to 2022, Bryan has been recognized as a Five Star Wealth Manager by Minneapolis/St. Paul Magazine.
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. 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.
2013-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 4/17/12 - 10/14/12
2014 Award - 4/17/13 - 10/14/13
2015 Award - 4/17/14 - 10/14/14
2016 Award - 4/17/15 - 10/14/15
2017 Award - 2/25/16 - 10/14/16
2018 Award - 2/23/17 - 10/13/17
2019 Award - 3/23/18 - 10/23/18
2020 Award - 3/01/19 - 10/25/19
2021 Award - 3/30/20 - 10/23/20
2022 Award - 3/29/21 - 10/8/21
Bryan creates customized comprehensive strategies for individuals, families and business owners to help secure their financial situations and has done this for nearly 31 years. He has experienced both challenging and rewarding market cycles and offers clients a seasoned perspective that helps enable them to achieve their financial goals. He is a Chartered Retirement Planning Counselor℠ (CRPC®), a designation which denotes his experience in pre-and post-retirement planning needs, including meeting multiple financial objectives, sources of retirement income, personal savings, employer-sponsored retirement plans, tax planning strategies, retirement cash flow, asset management, estate planning strategies and more. From 2013 to 2022, Bryan has been recognized as a Five Star Wealth Manager by Minneapolis/St. Paul Magazine.
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. 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.
2013-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 4/17/12 - 10/14/12
2014 Award - 4/17/13 - 10/14/13
2015 Award - 4/17/14 - 10/14/14
2016 Award - 4/17/15 - 10/14/15
2017 Award - 2/25/16 - 10/14/16
2018 Award - 2/23/17 - 10/13/17
2019 Award - 3/23/18 - 10/23/18
2020 Award - 3/01/19 - 10/25/19
2021 Award - 3/30/20 - 10/23/20
2022 Award - 3/29/21 - 10/8/21
Securities Agent: WA, GA, SD, NC, AZ, PA, MO, DE, NJ, KS, IA, WY, UT, NY, ND, TN, SC, IL, FL, CO, AK, MD, WI, RI, NM, MA, AR, MS, CT, CA, VA, OH, MN, IN, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 401289
CA Insurance License #: 0G53927
NMLS#: 401289
CA Insurance License #: 0G53927
About Hannah Spasojevic
Hannah has extensive experience working in financial and customer service roles since 2010. She holds a Business Management degree, Series 7 General Securities license and Series 66 license.
Hannah lives in Excelsior and in her free time, she enjoys spending time with family, reading, and enjoying the great outdoors
Hannah lives in Excelsior and in her free time, she enjoys spending time with family, reading, and enjoying the great outdoors
Contact Sean Lutz
Contact Bryan Hadley Rohs
Wealth Management
From Our Team
4.25% ANNUAL PERCENTAGE YIELD (APY) PREFERRED SAVINGS PROGRAM
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact The Lutz/Rohs Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3When 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3When 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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)
