Kurt Neddenriep, CIMA®
Senior Vice President, Wealth Advisor, Senior Portfolio Manager
Phone:
(775) 748-4500(775) 748-4500
The Mountain West Group at Morgan Stanley
Kurt Neddenriep, CIMA®Jose Negrete, CRPC®, RICP®, QPFCJoel McConnell, CFP®, ChFC®Ryan William Gilbrech, CFP®
Direct:
(888) 434-3079(888) 434-3079
Toll-Free:
(888) 434-3079(888) 434-3079
Our Mission Statement
Principles, Process, Performance
Welcome
The Mountain West Group at Morgan Stanley has over 100 years of collective financial management experience. Our mission is to help you achieve your financial goals through teamwork, integrity, and a process driven approach utilizing our proprietary 10 Principles. Our clients are made up of a select number of successful families, business owners, and executives. We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- 401(k) Rollovers
- AnnuitiesFootnote4
- Business Succession PlanningFootnote5
- Qualified Retirement PlansFootnote6
- Estate Planning StrategiesFootnote7
- Lending Products
- Municipal BondsFootnote8
- Endowments and FoundationsFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Planning for Education FundingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
10 Principles
4 Step process
Client experience
Community Involvement
As a team, we find it very important to give back to our communities though various organizations.
The Boys and Girls Club of Elko
The City of Elko Planning Commission
The Elko Chamber of Commerce
The Elko Lion’s Club
Elko SnoBowl
Emeritus
The Great Basin College Foundation
The Great Basin Elk’s club
Northern Nevada Children’s Cancer Foundation
Rotary Club of Elko
Rotary club of Sparks
Relay For Life
United Way of the Great Basin
The Boys and Girls Club of Elko
The City of Elko Planning Commission
The Elko Chamber of Commerce
The Elko Lion’s Club
Elko SnoBowl
Emeritus
The Great Basin College Foundation
The Great Basin Elk’s club
Northern Nevada Children’s Cancer Foundation
Rotary Club of Elko
Rotary club of Sparks
Relay For Life
United Way of the Great Basin
Location
905 Railroad Street
Suite 102
Elko, NV 89801
US
Direct:
(888) 434-3079(888) 434-3079
Toll-Free:
(888) 434-3079(888) 434-3079
5390 Kietzke Lane
Suite 200
Reno, NV 89511
US
Direct:
(888) 434-3079(888) 434-3079
Meet The Mountain West Group
Phone:
(775) 748-4500(775) 748-4500
Phone:
(775) 748-4500(775) 748-4500
Ryan William Gilbrech, CFP®
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(775) 982-8619(775) 982-8619
Deborah Marcom
Assistant Vice President, Wealth Management Associate
Phone:
(775) 748-4500(775) 748-4500
Cassara Voiselle
Client Service Associate
Phone:
(775) 748-4500(775) 748-4500
About Kurt Neddenriep
Professional Details
- University of Nevada Reno, Bachelors of Science in Finance
- Certified Investment Management AnalystSM (CIMA®) Charterholder
- Senior Investment Consultants Program, Wharton School of Business
- Series 7, 31, 65 Licensed
- Nevada Insurance License 46306
- California Insurance License 0C24092
- NMLS # 1265009
I am a Senior Vice President and Wealth Advisor at Morgan Stanley located in Elko, Nevada with a second office in Reno. I joined Morgan Stanley in January of 1996 and have built a team that provides comprehensive financial services to affluent and high net worth families.
A lifelong Nevadan, I am a graduate of Bishop Manogue Catholic High School and earned a Bachelor’s of Science degree in Business Administration with a major in Finance and a minor in Economics from the University of Nevada, Reno in 1994. I completed the Morgan Stanley Senior Investment Consultants Program at the Wharton School of Business in 2006 and I am a Certified Investment Management Analyst ( CIMA®) charter holder with the Investment Management Consultants Association (IMCA).
I am an active participant in my local community, serving as both a member and Past President of the Rotary Club of Elko, a member of the Board Emeritus and Past President of the Boys and Girls Club of Elko, and I am a Paul Harris Fellow with Rotary International.
In addition to my wealth advisory practice, I am proud to have served for 23 years with the Nevada Army National Guard, retiring in 2013 as a Lieutenant Colonel after commanding the 1-221st Armored Reconnaissance Squadron. Previously I served as the Executive Officer of 1-221st Armored Reconnaissance Squadron during our mobilization to the Islamic Republic of Afghanistan in support of Operation Enduring Freedom in 2009-2010. My military decorations include the Bronze Star Medal, the Meritorious Service Medal, the Army Commendation Medal, and the Army Combat Action Badge.
- University of Nevada Reno, Bachelors of Science in Finance
- Certified Investment Management AnalystSM (CIMA®) Charterholder
- Senior Investment Consultants Program, Wharton School of Business
- Series 7, 31, 65 Licensed
- Nevada Insurance License 46306
- California Insurance License 0C24092
- NMLS # 1265009
I am a Senior Vice President and Wealth Advisor at Morgan Stanley located in Elko, Nevada with a second office in Reno. I joined Morgan Stanley in January of 1996 and have built a team that provides comprehensive financial services to affluent and high net worth families.
A lifelong Nevadan, I am a graduate of Bishop Manogue Catholic High School and earned a Bachelor’s of Science degree in Business Administration with a major in Finance and a minor in Economics from the University of Nevada, Reno in 1994. I completed the Morgan Stanley Senior Investment Consultants Program at the Wharton School of Business in 2006 and I am a Certified Investment Management Analyst ( CIMA®) charter holder with the Investment Management Consultants Association (IMCA).
I am an active participant in my local community, serving as both a member and Past President of the Rotary Club of Elko, a member of the Board Emeritus and Past President of the Boys and Girls Club of Elko, and I am a Paul Harris Fellow with Rotary International.
In addition to my wealth advisory practice, I am proud to have served for 23 years with the Nevada Army National Guard, retiring in 2013 as a Lieutenant Colonel after commanding the 1-221st Armored Reconnaissance Squadron. Previously I served as the Executive Officer of 1-221st Armored Reconnaissance Squadron during our mobilization to the Islamic Republic of Afghanistan in support of Operation Enduring Freedom in 2009-2010. My military decorations include the Bronze Star Medal, the Meritorious Service Medal, the Army Commendation Medal, and the Army Combat Action Badge.
Securities Agent: ND, NE, NH, NJ, NM, NV, DC, CT, CO, CA, AZ, AR, AL, AK, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265009
CA Insurance License #: 0C24092
NMLS#: 1265009
CA Insurance License #: 0C24092
About Jose Negrete
Professional Details
- Boise State University, Bachelor of Science
- University of Phoenix, Master of Arts
- Chartered Retirement Planning Counselor®
- Retirement Income Certified Professional®
- Past City of Elko Planning Commissioner
- Rotary Club of Elko
- Great Basin Elks Club
- Past Great Basin College Foundation Board Member
- Past Boys and Girls Club of Elko Board Member
- Series 7, 31, 66 Licensed
- Nevada Insurance License 575946
- California Insurance License 0G02751
- NMLS # 1255618
José Negrete is a Senior Vice President and Wealth Advisor with the Mountain West Group at Morgan Stanley with office locations in Reno and Elko, NV. The practice seeks to provide sound and prudent financial advice to its clients in a personalized and service based relationship. José’s areas of emphasis include discretionary portfolio management as a Senior Portfolio Manager in Morgan Stanley’s Portfolio Management Program, as well as small business retirement plans. The Mountain West Group is pleased to offer their clients a true team based approach wherein they can seamlessly bring their emphases together for each client’s benefit. José has been a member of the Morgan Stanley Pacesetter’s Club since 2008, which recognizes those who uphold the firm’s high professional and performance standards. He is a licensed Financial Advisor holding a Series 7, 66, and 31 and has earned the designations of Chartered Retirement Planning Counselor (CRPC®) and Retirement Income Certified Professional (RICP®).
José is a long-term Nevada resident and is an active member of the community. He is an active member of the Rotary Club of Elko and a charter member of the Great Basin Elk’s club. He is a past board member of the City of Elko Planning Commission, Boys and Girls Club of Elko, the Elko SnoBowl, and the Great Basin College Foundation. José is a graduate of Boise State University and is actively involved with the Alumni Association and the Bronco Athletic Association.
- Boise State University, Bachelor of Science
- University of Phoenix, Master of Arts
- Chartered Retirement Planning Counselor®
- Retirement Income Certified Professional®
- Past City of Elko Planning Commissioner
- Rotary Club of Elko
- Great Basin Elks Club
- Past Great Basin College Foundation Board Member
- Past Boys and Girls Club of Elko Board Member
- Series 7, 31, 66 Licensed
- Nevada Insurance License 575946
- California Insurance License 0G02751
- NMLS # 1255618
José Negrete is a Senior Vice President and Wealth Advisor with the Mountain West Group at Morgan Stanley with office locations in Reno and Elko, NV. The practice seeks to provide sound and prudent financial advice to its clients in a personalized and service based relationship. José’s areas of emphasis include discretionary portfolio management as a Senior Portfolio Manager in Morgan Stanley’s Portfolio Management Program, as well as small business retirement plans. The Mountain West Group is pleased to offer their clients a true team based approach wherein they can seamlessly bring their emphases together for each client’s benefit. José has been a member of the Morgan Stanley Pacesetter’s Club since 2008, which recognizes those who uphold the firm’s high professional and performance standards. He is a licensed Financial Advisor holding a Series 7, 66, and 31 and has earned the designations of Chartered Retirement Planning Counselor (CRPC®) and Retirement Income Certified Professional (RICP®).
José is a long-term Nevada resident and is an active member of the community. He is an active member of the Rotary Club of Elko and a charter member of the Great Basin Elk’s club. He is a past board member of the City of Elko Planning Commission, Boys and Girls Club of Elko, the Elko SnoBowl, and the Great Basin College Foundation. José is a graduate of Boise State University and is actively involved with the Alumni Association and the Bronco Athletic Association.
Securities Agent: NE, MT, MD, AK, SC, NY, IL, CA, AR, WA, DC, WY, SD, OR, OK, OH, AZ, MN, MI, GA, FL, CO, RI, NC, TN, NM, UT, PA, ID, HI, VA, TX, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255618
CA Insurance License #: 0G02751
NMLS#: 1255618
CA Insurance License #: 0G02751
About Joel McConnell
Professional Details
- Bachelor of Science in Business Administration
- University of Nevada, Reno
- CERTIFIED FINANCIAL PLANNER™
- Chartered Financial Consultant®
- 2006 - 2007: Raymond James Financial Services, Financial Advisor
- Series 7, 6, 31, 63, 65, 9, 10 Licensed
- Nevada Insurance License 197830
- California Insurance License 0F67690
- NMLS # 1253020
Joel is a Financial Advisor with the Mountain West Group at Morgan Stanley, and based out of Elko, Nevada. Prior to joining Morgan Stanley in 2007, Joel worked for Raymond James Financial Services and State Farm Insurance. Joel’s practice focuses on financial planning, estate planning strategies and retirement planning for individuals and small businesses.
A native Nevadan, Joel was raised in Elko and attended the University of Nevada, Reno, where he earned a Bachelor of Science in Business Administration in 2004. Joel holds series 7, 6, 63, 65, 31, 9 and 10 licenses and earned the designations of CERTIFIED FINANCIAL PLANNER (CFP ®) and Chartered Financial Consultant (ChFC ®).
Joel has dedicated his time to various organizations in the local community including the United Way of the Great Basin, the Elko Lion’s Club and the Boys and Girls Clubs of Elko. Joel is an avid outdoorsman. He spends his spare time hunting and coaching his children’s club soccer teams. Joel lives in Elko with his wife, Katie, and their two children, MJ and Annie.
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.
- Bachelor of Science in Business Administration
- University of Nevada, Reno
- CERTIFIED FINANCIAL PLANNER™
- Chartered Financial Consultant®
- 2006 - 2007: Raymond James Financial Services, Financial Advisor
- Series 7, 6, 31, 63, 65, 9, 10 Licensed
- Nevada Insurance License 197830
- California Insurance License 0F67690
- NMLS # 1253020
Joel is a Financial Advisor with the Mountain West Group at Morgan Stanley, and based out of Elko, Nevada. Prior to joining Morgan Stanley in 2007, Joel worked for Raymond James Financial Services and State Farm Insurance. Joel’s practice focuses on financial planning, estate planning strategies and retirement planning for individuals and small businesses.
A native Nevadan, Joel was raised in Elko and attended the University of Nevada, Reno, where he earned a Bachelor of Science in Business Administration in 2004. Joel holds series 7, 6, 63, 65, 31, 9 and 10 licenses and earned the designations of CERTIFIED FINANCIAL PLANNER (CFP ®) and Chartered Financial Consultant (ChFC ®).
Joel has dedicated his time to various organizations in the local community including the United Way of the Great Basin, the Elko Lion’s Club and the Boys and Girls Clubs of Elko. Joel is an avid outdoorsman. He spends his spare time hunting and coaching his children’s club soccer teams. Joel lives in Elko with his wife, Katie, and their two children, MJ and Annie.
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.
Securities Agent: AK, HI, NM, NY, WI, MT, GA, ND, DE, OH, NH, PA, NV, WY, NE, UT, AZ, WV, WA, FL, DC, TX, TN, IL, SC, RI, IA, OK, CA, ID, MO, MI, ME, KS, NC, MA, OR, LA, MD, PR, SD, VA, VI, VT, NJ, AR, IN, MN, MS, CT, CO, KY, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253020
CA Insurance License #: 0F67690
NMLS#: 1253020
CA Insurance License #: 0F67690
About Ryan William Gilbrech
Professional Details
- BS – Economics & Business Administration, Saint Mary’s College of California
- CERTIFIED FINANCIAL PLANNER
- Northern Nevada Children’s Cancer foundation Board President 2018
- 2005-2008: The CFO Group – Staff Consultant
- Series 7, 66 Licensed
- Nevada Insurance License 612980
- California Insurance License 0G46604
- NMLS #: 1296121
I am a Certified Financial Planner at Morgan Stanley located in Reno, Nevada.
While attending St. Mary’s college of California my interest in financial services was born. I fed this interest by interning, while still in college, for a financial advisor in the area. I knew after learning the business that my career would be in finance.
After graduating I moved to Truckee California. I soon found a job with a local accounting firm in Reno, NV.
During my time as an accountant, I worked with individuals and businesses in preparing tax returns, reviewed financials, monthly financial statements etc. After three years at the accounting firm I made the conscience decision to transition from reporting on what had happened to helping clients plan for the future as a Financial Advisor. In 2008 I joined Morgan Stanley* and its predecessors firms and now work with roughly 150 households, helping them navigate their financial life.
In 2013 I decided to become a member of the Mountain West Group at Morgan Stanley. Joining this team has allowed me to add more depth to the services we provide clients through all platforms available through Morgan Stanley. I am honored to be a part of such a professional and well respected group of individuals.
In addition to my professional endeavors, I am a board member of the Northern Nevada Children’s Cancer Foundation serving as President in 2018. I am also an active member of the Rotary club of Sparks where we engage the local community with numerous service projects.
When I’m not working or volunteering, I enjoy fly fishing, hunting, exercising and most other things outdoors.
- BS – Economics & Business Administration, Saint Mary’s College of California
- CERTIFIED FINANCIAL PLANNER
- Northern Nevada Children’s Cancer foundation Board President 2018
- 2005-2008: The CFO Group – Staff Consultant
- Series 7, 66 Licensed
- Nevada Insurance License 612980
- California Insurance License 0G46604
- NMLS #: 1296121
I am a Certified Financial Planner at Morgan Stanley located in Reno, Nevada.
While attending St. Mary’s college of California my interest in financial services was born. I fed this interest by interning, while still in college, for a financial advisor in the area. I knew after learning the business that my career would be in finance.
After graduating I moved to Truckee California. I soon found a job with a local accounting firm in Reno, NV.
During my time as an accountant, I worked with individuals and businesses in preparing tax returns, reviewed financials, monthly financial statements etc. After three years at the accounting firm I made the conscience decision to transition from reporting on what had happened to helping clients plan for the future as a Financial Advisor. In 2008 I joined Morgan Stanley* and its predecessors firms and now work with roughly 150 households, helping them navigate their financial life.
In 2013 I decided to become a member of the Mountain West Group at Morgan Stanley. Joining this team has allowed me to add more depth to the services we provide clients through all platforms available through Morgan Stanley. I am honored to be a part of such a professional and well respected group of individuals.
In addition to my professional endeavors, I am a board member of the Northern Nevada Children’s Cancer Foundation serving as President in 2018. I am also an active member of the Rotary club of Sparks where we engage the local community with numerous service projects.
When I’m not working or volunteering, I enjoy fly fishing, hunting, exercising and most other things outdoors.
Securities Agent: AK, VA, CA, NM, NC, MI, MD, DC, UT, OK, IL, ID, CO, SC, HI, FL, AR, TN, WY, RI, MT, MN, SD, PA, NY, NV, NE, AZ, WA, OR, OH, GA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1296121
CA Insurance License #: 0G46604
NMLS#: 1296121
CA Insurance License #: 0G46604
About Deborah Marcom
Deborah Marcom
Assistant Vice President
Wealth Management Associate
California Insurance License OG37971
Deb is responsible for overseeing all of the team's administrative and operational activities. She independently helps to develop, communicate and implement procedures to best meet the logistical and administrative needs of clients and team members. Deb serves as a liaison between advisors, support staff and branch management, keeping all apprised of the status of projects and proactively communicating any follow up issues and next steps. Deb also coordinates and manages the support staff functions of the group. She currently has her Series 7, 6, 63, 66, 3, and 31 securities licenses as well as her life and health insurance license.
Deb has worked in the financial industry over 25 years. She joined Morgan Stanley in 2005 and became part of the Mountain West Group when it was incepted. Deb and her husband Chris have lived in Elko since 1998.
2017 CRC 1670781
Assistant Vice President
Wealth Management Associate
California Insurance License OG37971
Deb is responsible for overseeing all of the team's administrative and operational activities. She independently helps to develop, communicate and implement procedures to best meet the logistical and administrative needs of clients and team members. Deb serves as a liaison between advisors, support staff and branch management, keeping all apprised of the status of projects and proactively communicating any follow up issues and next steps. Deb also coordinates and manages the support staff functions of the group. She currently has her Series 7, 6, 63, 66, 3, and 31 securities licenses as well as her life and health insurance license.
Deb has worked in the financial industry over 25 years. She joined Morgan Stanley in 2005 and became part of the Mountain West Group when it was incepted. Deb and her husband Chris have lived in Elko since 1998.
2017 CRC 1670781
CA Insurance License #: 0G37971
About Cassara Voiselle
Cassara is responsible for overseeing all of the team’s administrative and operational activities. She assists in developing, communicating, and implementing procedures to best meet the logistical and administrative needs of clients and team members. She is responsible for the management of day to day operations and enhancing client experience. Cassara serves as a liaison between advisors, support staff and branch management, keeping all apprised of the status of projects and proactively communicating any follow up issues and next steps.
Cassara has over 10 years of experience in the banking industry and is nearing the completion of a Finance Degree. Cassara enjoys playing sports, anything outdoors with her two kids, and cooking.
Cassara has over 10 years of experience in the banking industry and is nearing the completion of a Finance Degree. Cassara enjoys playing sports, anything outdoors with her two kids, and cooking.
Contact Kurt Neddenriep
Contact Jose Negrete
Contact Joel McConnell
Contact Ryan William Gilbrech
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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 Mountain West 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6When 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.
7Morgan 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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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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.
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*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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6When 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.
7Morgan 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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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)
