Johan Eriksson, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(651) 215-8424(651) 215-8424
The Myers Eriksson Group at Morgan Stanley
Direct:
(651) 215-8400(651) 215-8400
Toll-Free:
(800) 326-9121(800) 326-9121
Our Mission Statement
To help our clients achieve financial independence through professional advice, sound risk management, disciplined investment strategies, and personal service.
Proud To Serve You
The Myers Eriksson Group is a Minnesota-based wealth management practice serving a select number of individuals, families, businesses in the upper Mid-West and around the country. Our team is committed to providing the highest level of service and strategies for individuals who have high net-worth.
Initially, we support our clients as they explore their potential futures, and we serve as a sounding board to help discover new opportunities and avoid potential pitfalls when facing seemingly endless options. We bring experience, intellectual capital and dedicated personal service to help our clients meet their financial goals. Wealth Management can be more rewarding and less challenging with the support of the Myers Eriksson team.
We understand that goals differ based on each individual life situation which is why our clients are at the center of every decision that guides us. We have a long history of working with multi-generational families, business owners, entrepreneurs and corporate executives. We use a comprehensive approach that incorporates education, knowledge and transparency to help bolster their financial security.
Our knowledgeable and caring team of advisors offers insight and strategic advice that supports you as you make decisions and help anticipate how you can be prepared financially. We can help you define your goals and strive towards them by delivering resources suited to what you want to achieve. Essentially giving you the ability to confidently manage your wealth.
Initially, we support our clients as they explore their potential futures, and we serve as a sounding board to help discover new opportunities and avoid potential pitfalls when facing seemingly endless options. We bring experience, intellectual capital and dedicated personal service to help our clients meet their financial goals. Wealth Management can be more rewarding and less challenging with the support of the Myers Eriksson team.
We understand that goals differ based on each individual life situation which is why our clients are at the center of every decision that guides us. We have a long history of working with multi-generational families, business owners, entrepreneurs and corporate executives. We use a comprehensive approach that incorporates education, knowledge and transparency to help bolster their financial security.
Our knowledgeable and caring team of advisors offers insight and strategic advice that supports you as you make decisions and help anticipate how you can be prepared financially. We can help you define your goals and strive towards them by delivering resources suited to what you want to achieve. Essentially giving you the ability to confidently manage your wealth.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Myers Eriksson Process
We will work with you using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations. This process encompasses six steps:
1 Discovering
Our team identifies your concerns, circumstances and priorities. We begin learning about your needs, values and vision.
2 Developing
We analyze your goals and review your current investments. We develop financial strategies that make sense for you.
3 Proposing
We will meet to discuss our recommendations with you and confirm the details of your custom service model.
4 Implementing
Executing your strategies can involve transferring existing assets, collaborating with your advisors.
5 Follow Up
We will review your first statement and set up tools to provide immediate access to accounts and information.
6 Reviewing
Together we respond to new objectives, and revise your strategies as needed. We meet as scheduled to track your goals’ progress.
Working With You
Your goals, hopes and dreams are at the center of our work. That’s why we’ll plan to meet with you at length when you first begin working with us. We’ll ask smart questions and listen to what you say matters. Once we fully understand your situation, we’ll suggest ways to put your money to work.
Working with us, you can expect us to:
Develop a detailed financial strategy based on your goals
Set up a long-term wealth plan
Help to take the emotion out of money moves, so you can make smart decisions
Be flexible. When changes come to your life, or in the market, we’ll tweak your financial strategy.
Set up a long-term wealth plan
Help to take the emotion out of money moves, so you can make smart decisions
Be flexible. When changes come to your life, or in the market, we’ll tweak your financial strategy.
Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:
Tax specialist
Trust attorney
Insurance professional
Family office
Trust attorney
Insurance professional
Family office
Entrepreneurs & Executives
Business Financing & Planning
You have meaningful goals. Our Financial Advisors can help you reach them. For years, we have worked with individuals, families, businesses and institutions—to deliver services and solutions that help build, preserve and manage wealth.
Equity Solutions
Equity is more than shares. It’s a commitment to your employees.
That’s why we design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, we help you effectively administer equity while managing risk and compliance on a global scale.
That’s why we design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, we help you effectively administer equity while managing risk and compliance on a global scale.
Pre-Liquidity Planning
Liquidity events such as an initial public offering or a
merger or acquisition may provide income and estate
planning opportunities. Liquidity events also magnify the
need to put in place or update certain essential estate
planning documents.
merger or acquisition may provide income and estate
planning opportunities. Liquidity events also magnify the
need to put in place or update certain essential estate
planning documents.
Retirement Solutions
For your employees, retirement is more than a date in the future – it’s a milestone that takes time, hard work and the right tools to achieve. Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals.
Choosing a Business Structure
The Myers Eriksson Group can help you make well-informed personal wealth management decisions at every stage of your company's development.
Corporate Executives
As a senior executive, you have significant responsibilities to your customers, colleague, board of directors, shareholders and members of the communities in which you do business. Our group offers a unique combination of experience, expertise and insight to address your financial needs and family goals.
Business Succession
We will help you make well-informed personal wealth management decisions at every stage of your company's development. Our goal is to provide you with the information, insight and resources needed to help you reach your personal and professional goals.
Employee Stock & Stock Options
Executives today are increasingly compensated with stock or stock options. However, exercising stock options presents a number of difficult—and sometimes divergent—choices. Accordingly, it is critical that an executive understand the risk of investing financial assets and the potential reward of preferential income tax treatment.
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, we can help you achieve your financial goals.
We can create your personal roadmap to help achieve and protect your goals- a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future decisions
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investment and cash management needs. . The Myers Eriksson Group uses a four step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.
1. Discover: Understand your values, objectives and quantify your goals
2. Advise: Create a tailored wealth plan to help keep you on track
3. Implementation: Add value with tax-aware and cost sensitive capabilities
4. Monitor: Continually track progress so you know where you stand in relation to your goals.
We can create your personal roadmap to help achieve and protect your goals- a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future decisions
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investment and cash management needs. . The Myers Eriksson Group uses a four step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.
1. Discover: Understand your values, objectives and quantify your goals
2. Advise: Create a tailored wealth plan to help keep you on track
3. Implementation: Add value with tax-aware and cost sensitive capabilities
4. Monitor: Continually track progress so you know where you stand in relation to your goals.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, its best to be as informed as possible.
2024 Tax Tables
Manage debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have In order to help determine where you can save on interest and create a time line for your debt payments by prioritizing which should be paid off first.
Retirement
Leading up to and through retirement, The Myers and Eriksson group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Lifeview
Lifeview is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual and capital capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is on track to achieving their financial goals.
Location
380 Saint Peter St
Ste 1000
St. Paul, MN 55102
US
Direct:
(651) 215-8400(651) 215-8400
Toll-Free:
(800) 326-9121(800) 326-9121
Meet The Myers Eriksson Group
Phone:
(651) 215-8455(651) 215-8455
Donna M B Herem
Portfolio Associate
Phone:
(651) 215-8419(651) 215-8419
Krista Wenner
Portfolio Associate
Phone:
(651) 215-8440(651) 215-8440
About Johan Eriksson
A native of Sweden, Johan has been in the U. S. since 2001, and has been working in finance for over two decades. He began with US Bank in the lending area, then worked in Stockholm, Sweden for a financial advisory firm. Johan joined Morgan Stanley in 2007.
At Morgan Stanley, Johan focuses on bringing the company’s array of wealth management services to our clients. Johan is passionate about the capital markets and follows both domestic and international markets on a daily basis.
Johan holds a B.A. in Economics from Gustavus Adolphus College and is also a Certified Financial Planner. Johan lives in Saint Paul and enjoys art, traveling, and is enthusiastic about automotive racing.
Johan is very active in the Swedish community, and serves on the board of several non-profit organizations in the Twin Cities.
At Morgan Stanley, Johan focuses on bringing the company’s array of wealth management services to our clients. Johan is passionate about the capital markets and follows both domestic and international markets on a daily basis.
Johan holds a B.A. in Economics from Gustavus Adolphus College and is also a Certified Financial Planner. Johan lives in Saint Paul and enjoys art, traveling, and is enthusiastic about automotive racing.
Johan is very active in the Swedish community, and serves on the board of several non-profit organizations in the Twin Cities.
Securities Agent: SD, VT, WI, OK, KS, NM, ND, AK, MI, AL, WV, IL, ID, CA, NJ, NC, MA, KY, UT, PA, HI, GA, TN, NY, NH, NE, MD, LA, IA, DE, DC, MN, AZ, WA, VA, OH, NV, ME, CO, TX, SC, RI, OR, MT, IN, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1682636
NMLS#: 1682636
About Karen Myers
Karen Myers is a Senior Vice President in Morgan Stanley’s St. Paul, Minnesota office since 1997. She holds the CERTIFIED FINANCIAL PLANNER™ designation as well as Family Wealth Advisor and Senior Portfolio Manager titles at Morgan Stanley. She is a passionate student of the investment world and is committed to the success of her clients.
She is currently a member of the Woman’s Club of Minneapolis and is a former Board member as well as Treasurer of the organization. She is a former governor of the Twin City Bond Club.
She resides in Minnetonka with her husband, Richard. In her spare time, she enjoys reading, following the WNBA Lynx and exploring the various walking/biking trails in her neighborhood.
She is currently a member of the Woman’s Club of Minneapolis and is a former Board member as well as Treasurer of the organization. She is a former governor of the Twin City Bond Club.
She resides in Minnetonka with her husband, Richard. In her spare time, she enjoys reading, following the WNBA Lynx and exploring the various walking/biking trails in her neighborhood.
Securities Agent: DE, NE, NY, NV, AK, NJ, IN, IA, WV, TX, IL, VA, UT, OH, MD, AZ, WI, WA, MI, MA, KY, CO, NC, CA, MN, GA, FL, PA, OR, ME, KS, NH, ND, MT, HI, AL, SC, LA, SD, ID, TN, RI, OK, NM, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1285371
NMLS#: 1285371
About Donna M B Herem
A native of St Paul, Donna has been with Morgan Stanley since 1988. Donna has extensive administrative experience, pays great attention to detail and enjoys engaging with clients.
She resides in Beldenville, Wisconsin with her husband, Scott, and two children. She also has a step-son who lives in Minneapolis. In her spare time she enjoys being involved in her children's many activities. Both Scott and Donna have a long-term interest in automotive racing.
She resides in Beldenville, Wisconsin with her husband, Scott, and two children. She also has a step-son who lives in Minneapolis. In her spare time she enjoys being involved in her children's many activities. Both Scott and Donna have a long-term interest in automotive racing.
About Krista Wenner
Krista Wenner is a Portfolio Associate at Morgan Stanley. Drawing on more than 20 years of industry experience,.
Krista has worked in the financial services industry since 1998 and has had the opportunity to work at such large institutions as Citigroup and Wachovia Securities. She joined the Morgan Stanley / Citigroup in 2008 and has been a vital colleague ever since. Krista is a graduate of South Dakota State University and Minot State University, where she received her B.S. degree in Education.
Originally from South Dakota, Krista and her husband, Brian, currently live in Stillwater with their two children. She enjoys attending her children's multiple sporting events and also spending time in the outdoors.
Krista has worked in the financial services industry since 1998 and has had the opportunity to work at such large institutions as Citigroup and Wachovia Securities. She joined the Morgan Stanley / Citigroup in 2008 and has been a vital colleague ever since. Krista is a graduate of South Dakota State University and Minot State University, where she received her B.S. degree in Education.
Originally from South Dakota, Krista and her husband, Brian, currently live in Stillwater with their two children. She enjoys attending her children's multiple sporting events and also spending time in the outdoors.
Contact Johan Eriksson
Contact Karen Myers
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Heaven Robinson
Planning Associate
About Heaven Robinson
Heaven Robinson is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Heaven provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from California State University, Los Angles and received the Financial Planning Specialist® designation from the College for Financial Planning. Heaven is originally from the San Francisco Bay Area and currently resides in Alpharetta, GA.
She earned her undergraduate degree from California State University, Los Angles and received the Financial Planning Specialist® designation from the College for Financial Planning. Heaven is originally from the San Francisco Bay Area and currently resides in Alpharetta, GA.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Myers Eriksson 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
