Melinda D Brewer
Executive Director, Financial Advisor, Portfolio Manager, Family Wealth Director, Financial Planning Specialist
Phone:
(405) 879-7111(405) 879-7111
The MB Group at Morgan Stanley
Direct:
(405) 879-7111(405) 879-7111
Toll-Free:
(800) 447-0349(800) 447-0349
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story
The MB Group has served clients and families for over 50 years, beginning in 1969. With succession planning that allows for uninterrupted service, our team consists of Melinda Brewer, Cole Osborne, Danielle J. Burrus, and Jill Perry. We’re here to help you meet your life goals.
The MB Group focuses on holistic financial planning. Melinda Brewer has earned national recognition for her personal financial planning. Since 2018, Forbes magazine has recognized Melinda Brewer as a Best In State Wealth Advisor. She belongs to the Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State lists. Besides Forbes, Working Mother magazine included Melinda Brewer to its Top Wealth Advisor Mom’s list, starting in 2017.
Committed to offering the highest quality financial services, The MB Group puts clients first. Melinda Brewer and Cole Osborne continue to earn top designations and accomplishments at Morgan Stanley. Both Melinda and Cole received their Financial Planning Specialist designations and Portfolio Manager titles from Morgan Stanley, demonstrating their dedication to providing customized advice. Also, Melinda met the requirements of Senior Vice President for her process and loyalty. Professional wealth managers, The MB Group team always looks for ways to help make a difference in the lives of others.
If you’re interested in discussing your goals and dreams, or if you’d just like to schedule a meeting, please reach out to us on our website or by scheduling a meeting. Also, find us on social media, and learn about how we’re involved in the community.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2024). Forbes Best-In- State Wealth Advisors ranking awarded in 2018-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Named to 2018-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com 2018-2023. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2021-2024). Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2021-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the year the award was issued having commenced in March of the previous year. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ratings. These rankings are based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and these rankings may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2017-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2021-2023). Forbes Best-In- State Wealth Advisors ranking awarded in 2021-2023. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
The MB Group focuses on holistic financial planning. Melinda Brewer has earned national recognition for her personal financial planning. Since 2018, Forbes magazine has recognized Melinda Brewer as a Best In State Wealth Advisor. She belongs to the Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State lists. Besides Forbes, Working Mother magazine included Melinda Brewer to its Top Wealth Advisor Mom’s list, starting in 2017.
Committed to offering the highest quality financial services, The MB Group puts clients first. Melinda Brewer and Cole Osborne continue to earn top designations and accomplishments at Morgan Stanley. Both Melinda and Cole received their Financial Planning Specialist designations and Portfolio Manager titles from Morgan Stanley, demonstrating their dedication to providing customized advice. Also, Melinda met the requirements of Senior Vice President for her process and loyalty. Professional wealth managers, The MB Group team always looks for ways to help make a difference in the lives of others.
If you’re interested in discussing your goals and dreams, or if you’d just like to schedule a meeting, please reach out to us on our website or by scheduling a meeting. Also, find us on social media, and learn about how we’re involved in the community.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2024). Forbes Best-In- State Wealth Advisors ranking awarded in 2018-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Named to 2018-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com 2018-2023. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2021-2024). Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2021-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the year the award was issued having commenced in March of the previous year. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ratings. These rankings are based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and these rankings may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2017-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2021-2023). Forbes Best-In- State Wealth Advisors ranking awarded in 2021-2023. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Services Include
- Alternative InvestmentsFootnote1
- Business Succession PlanningFootnote2
- Corporate Investment SolutionsFootnote3
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Executive Financial ServicesFootnote6
- Financial PlanningFootnote7
- Institutional ServicesFootnote8
- Cash Management and Lending ProductsFootnote9
- Professional Portfolio ManagementFootnote10
- Retirement PlanningFootnote11
- Trust ServicesFootnote12
- Wealth ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
As your life changes, not only does your financial strategy become more complex, but your options for implementing it increase as well. At The MB Group, we use a goal-based process that measures success by how you're progressing toward meeting the goals most important to you. This thoughtful approach enables us to design and implement solutions to help guide you in achieving and maintaining financial success.
Step 1: Understanding You
We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve. Next, we review your current and future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
Step 2: Tailoring a Solution for Your Specific Goals
Here, we'll prepare a comprehensive wealth management plan that addresses your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Step 3: Implementing Your Plan
With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer your wealth, while remaining aligned with your personal goals and aspirations.
Step 4: Monitoring Results Against Your Goals
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, The MB Group can help you achieve your financial goals.
Financial Planning
The MB Group takes care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances. We take a holistic approach to bring all the aspects of your financial life together. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving, and living.
Retirement Planning
The MB Group helps you identify the most appropriate ways to get the income you need and makes sure you are on track for your financial goals. Planning is paramount to a successful retirement. We bring an intense focus to this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamt of.
401(k) Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can make sure that there is no risk of overlap or concentration insecurities. We can make taking required minimum distributions easier. You also have the full suite of an open platform from which to choose investments from.
Alternative Investments
We leverage our unique position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business. Our team employs rigorous due diligence to identify, evaluate, and select, each alternative investment product on our platform. We want to identify the managers that we believe are highly qualified to help our clients meet their objectives.
Cash Management with Morgan Stanley
Smart cash management of your cash is critical to the success of your overall wealth management plan. With a CashPIus brokerage account, you can get more value, more protection, and a seamless digital experience. Contact us to find out more about Morgan Stanley's full suite of cash management solutions.
Trust & Estate Planning
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. Our team at The MB Group regularly reviews your finances with you. Moreover, we coordinate with your estate attorney to help make sure that we meet your wishes in the most efficient and cost-effective way possible.
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax-smart strategies for your financial plan. These strategies include: preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.
529 College Savings Plans
A 529 Plan can help you pave the way for a loved one on the path to success. The 529 Plan reduces both the income taxes on your investments and the taxable value of your estate for federal estate tax purposes. The combination of income tax-free growth, estate tax benefits, attractive continuous-control features, and versatility, make 529 plans the education investment vehicle of choice.
UTMA/UGMA (Uniform Trust/Gift to Minors Act Account)
The Uniform Transfers to Minors Act (UTMA) or the Uniform Gift to Minors Act (UGMA) governs accounts established by custodians for the benefit of a minor child. Every state has adopted one form of these uniform accounts. Both UTMA and UGMA allow a person to fund an account owned by a child. The age of majority is set by the UTMA or UGMA statute and typically ranges from 18 to 21.
Life Insurance
Some of the most common uses of life insurance are protection, wealth accumulation, and wealth transfer. Life insurance can provide for dependents and pay for final expenses upon death. Also, life insurance can also play an important role in your portfolio during your lifetime. Many life insurance policies have features that can help individuals meet their financial goals.
DIGITAL RESOURCES
Digital technology helps people communicate, consume, transact, and travel. Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online (MSO)
Morgan Stanley Online provides clients with access to their account information, enriched reporting tools, several cash management solutions, and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Learn More About MSO
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To download the app, click here and scroll down
Total Wealth View
Our Total Wealth View technology gives clients the ability to view all of their assets and liabilities together. Whether at Morgan Stanley or elsewhere, Total Wealth View enables us to advise with your entire financial picture in mind.
To learn more about Total Wealth View, click here
Goals Planning System (GPS)
Our Goals Planning System (GPS) approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life. We focus on things such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy provides continuous feedback to make sure clients are on track.
To learn more about GPS, watch this video
LifeView Financial Plan
Regardless of what stage your life is at, we can help you achieve your financial goals. Life View uses a suite of tools that includes goal-specific analysis. We can create a holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
Complete LifeView client profile here
Online Security Center
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.
To learn more about online security center, click hereMONTHLY OUTLOOKS & UPDATES
We strive to simplify complex financial ideas so that our clients can plan for their financial future. We believe in giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Thoughts on the Market
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes.
Listen Here
Global Investment Committee on the Markets
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read: "GIC on the Markets"
Morgan Stanley: 2023 Global Macroeconomic Midyear Outlook
In the latest report, “2023 Global Macroeconomic Midyear Outlook: Slower Global Growth with Bright Spots in Asia,” our research team shared their latest forecasts for markets based on the current business cycle. Learn about the risks to global growth and our consensus expectations for stocks, bonds, and currency valuations.
Click Here to Read More
Investing and Giving in Alignment with Christian Values: Blessed to be a Blessing
We take a customized approach to helping our clients align their portfolio to their unique financial and impact goals. Review our faith-based investing resources to learn how we can guide your construction of a values-aligned portfolio.
Read More2023 Maximum Benefit and Contribution Limits
The IRS updated its maximum benefits and contribution limits for 2023. Please review the 2023 Maximum Benefit and Contribution Limits through the link below.
Click Here to Review
2023 Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. Please refer to the attachment below to locate the 2023 Federal Tax Tables.
Click Here to ReviewLocation
6305 Waterford Blvd
Suite 240
Oklahoma City, OK 73118
US
Direct:
(405) 879-7111(405) 879-7111
Toll-Free:
(800) 447-0349(800) 447-0349
Meet The MB Group
W. Cole Osborne
Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(405) 879-7123(405) 879-7123
Danielle J. Burrus
Business Development Associate
Phone:
(405) 841-3926(405) 841-3926
Jill Perry
Senior Registered Associate
Phone:
(405) 879-7128(405) 879-7128
About Melinda D Brewer
Melinda began her career as a Financial Advisor in 1995. She holds several designations that include Portfolio Manager, Financial Planning Specialist, Certified Kingdom Advisor, and Accredited Asset Management Specialist. Melinda graduated from Southwestern Oklahoma State University with a Bachelor of Science degree in Finance. She was also part of the SALLT leadership class 18.
Melinda is a leader in her community and the financial industry. She is currently a member of Make-a-Wish Oklahoma, Advisory Council Member to the Oklahoma Commission on the Status of Women, and on the FINRA Board of Arbitrators. Melinda previously served on the Kingfisher Chamber of Commerce, Payne Education Foundation Board, Red Bud Board, and was an Allied Arts Catalyst Board Member.
In her work, Melinda has received several national recognitions. Since 2018, Forbes magazine has recognized Melinda Brewer as a Best In State Wealth Advisor. She belongs to the Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State lists as well. Besides Forbes, Working Mother magazine included Melinda Brewer to its Top Wealth Advisor Moms list, starting in 2017 and ending in 2021.
Along with Melinda's passion for work, she enjoys church, traveling, and spending time with her family. She is married to Gordon Brewer and has two daughters, Sienna and Samantha.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2024). Forbes Best-In- State Wealth Advisors ranking awarded in 2018-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Named to 2018-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com 2018-2023. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2021-2024). Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2021-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the year the award was issued having commenced in March of the previous year. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ratings. These rankings are based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and these rankings may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2017-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2021-2023). Forbes Best-In- State Wealth Advisors ranking awarded in 2021-2023. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Melinda is a leader in her community and the financial industry. She is currently a member of Make-a-Wish Oklahoma, Advisory Council Member to the Oklahoma Commission on the Status of Women, and on the FINRA Board of Arbitrators. Melinda previously served on the Kingfisher Chamber of Commerce, Payne Education Foundation Board, Red Bud Board, and was an Allied Arts Catalyst Board Member.
In her work, Melinda has received several national recognitions. Since 2018, Forbes magazine has recognized Melinda Brewer as a Best In State Wealth Advisor. She belongs to the Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State lists as well. Besides Forbes, Working Mother magazine included Melinda Brewer to its Top Wealth Advisor Moms list, starting in 2017 and ending in 2021.
Along with Melinda's passion for work, she enjoys church, traveling, and spending time with her family. She is married to Gordon Brewer and has two daughters, Sienna and Samantha.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2024). Forbes Best-In- State Wealth Advisors ranking awarded in 2018-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Named to 2018-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com 2018-2023. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2021-2024). Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2021-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the year the award was issued having commenced in March of the previous year. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ratings. These rankings are based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and these rankings may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2017-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2021-2023). Forbes Best-In- State Wealth Advisors ranking awarded in 2021-2023. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: SC, OR, NV, AK, PA, MI, CO, TX, KS, FL, DE, TN, NE, DC, AZ, AR, OK, IA, CA, NC, IN, WA, UT, MO, KY, GA, PR, NY, WI, NM, MD, VT, VA, OH, MN, IL, NJ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278732
NMLS#: 1278732
About W. Cole Osborne
Cole manages client accounts with a goal-centered mindset. Cole works to understand the purpose of his clients’ funds and develops strategies to attain his clients’ goals using crafted investment and saving techniques. In developing these strategies, Cole looks to understand the time-horizon and the level of risk that each client is comfortable taking to attain those goals.
Working with families and businesses, Cole has provided value to people’s lives and their financial future. Cole is a partner at The MB Group and Financial Planning Specialist (FPS) at Morgan Stanley. The MB Group focuses in serving multigenerational wealth. In doing so, Cole gets to work with couples, parents, grandparents, and kids to develop everyone’s financial goals and teach future generations as they grow. Cole’s main area of focus is risk management. By analyzing investments by all of their risk measurements, Cole looks to find the best opportunities for clients from a risk-adjusted metric. Cole helps clients learn about the risks they are taking both in the investment portfolio and in their financial plans.
An investment professional since 2015, Cole is a native of Oklahoma City, OK. Cole attended Classen School of Advanced Studies and holds a Bachelor’s degree in Business Administration with a focus on Finance and Legal Studies from the University of Central Oklahoma. Cole has his Accredited Asset Management Specialist (AAMS) designation. Also, Cole has trained and mentored many new advisors and enjoys getting to share his experience with other advisors. Cole has served as a field trainer and, in other roles, assisting newer advisors.
Cole and his wife Christina live in southeast Guthrie, OK, with their three children, Will, Audrey, and Elizabeth. Outside of work, Cole enjoys serving and attending his church called Bridgeway. He is a member of the Safety Team and sits as a leader of the Foster and Adoption Ministry (FAM). The Osbornes have been foster parents for many years and have enjoyed the impact they can make on the little ones that come through their home. The children and families continue to be an active part of their lives once returned to their home. In addition, Cole sits on the Finance Committee as a board member for a local non-profit named Katheryne B. Payne Education Center, Inc.
Cole’s spare time activities include hunting, fishing, hiking, golf, clay pigeon shooting, and competitive rifle shooting.
Working with families and businesses, Cole has provided value to people’s lives and their financial future. Cole is a partner at The MB Group and Financial Planning Specialist (FPS) at Morgan Stanley. The MB Group focuses in serving multigenerational wealth. In doing so, Cole gets to work with couples, parents, grandparents, and kids to develop everyone’s financial goals and teach future generations as they grow. Cole’s main area of focus is risk management. By analyzing investments by all of their risk measurements, Cole looks to find the best opportunities for clients from a risk-adjusted metric. Cole helps clients learn about the risks they are taking both in the investment portfolio and in their financial plans.
An investment professional since 2015, Cole is a native of Oklahoma City, OK. Cole attended Classen School of Advanced Studies and holds a Bachelor’s degree in Business Administration with a focus on Finance and Legal Studies from the University of Central Oklahoma. Cole has his Accredited Asset Management Specialist (AAMS) designation. Also, Cole has trained and mentored many new advisors and enjoys getting to share his experience with other advisors. Cole has served as a field trainer and, in other roles, assisting newer advisors.
Cole and his wife Christina live in southeast Guthrie, OK, with their three children, Will, Audrey, and Elizabeth. Outside of work, Cole enjoys serving and attending his church called Bridgeway. He is a member of the Safety Team and sits as a leader of the Foster and Adoption Ministry (FAM). The Osbornes have been foster parents for many years and have enjoyed the impact they can make on the little ones that come through their home. The children and families continue to be an active part of their lives once returned to their home. In addition, Cole sits on the Finance Committee as a board member for a local non-profit named Katheryne B. Payne Education Center, Inc.
Cole’s spare time activities include hunting, fishing, hiking, golf, clay pigeon shooting, and competitive rifle shooting.
Securities Agent: OK, DE, CA, AR, TN, IA, WI, TX, OR, NV, NC, KY, GA, AK, NY, NM, NE, MO, MD, IN, NJ, AZ, MN, VT, UT, KS, IL, WA, VA, PA, OH, FL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1930339
NMLS#: 1930339
Contact Melinda D Brewer
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1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
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 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
10Morgan 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.
11When 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.
12Morgan 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
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 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
10Morgan 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.
11When 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.
12Morgan 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
