Phone:
(406) 522-2041(406) 522-2041
The Northern Rocky Mountain Group at Morgan Stanley
Direct:
(406) 522-2040(406) 522-2040
Our Mission Statement
To earn the trust of our clients and their families through sound advice and honest conversations.
Our Story and Services
The Northern Rocky Mountain Group provides comprehensive wealth management solutions to entrepreneurs, executives, professionals, corporations and high net worth families. The main goal we had when forming the team was to provide a higher level of service to our clients. They do this by offering portfolio management, planning, back office services and technology expertise to each and every client. The team has helped clients build and preserve their wealth through numerous market cycles while developing long term relationships built on trust.
With over 40 combined years in the industry, the team has created successful strategic plans and investment portfolios. All members of the team are highly trained in their disciplines; and between them hold several advanced degrees and certifications. Patrick is a Financial Planning Specialist who holds the Chartered Retirement Planning Certification (CRPC). He graduated with a degree in Business Management from Montana State University. Megan Goodman is a Financial Planning Specialist and graduated from Colorado State University Global with a degree in Finance. Nicole Kunzer provides all aspects of administrative support for the team.
The team employs a systematic wealth management process to develop actionable plans tailored to individual situations. They are dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. They use this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. The team’s broad experience combined with Morgan Stanley’s vast resources enable it to assist with almost every facet of financial services including investment management, retirement planning, cash management, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice the team offers. The group takes pride in having worked with clients for decades. They have helped guide families though through their life cycle; from planning for their children’s education, retirement, to succession to the next generation.
The Northern Rocky Mountain Group strives to provide an extraordinary high level of service. Clients’ portfolios are vigilantly monitored, and meetings are scheduled regularly to appraise goals and evaluate financial conditions. The team is always accessible and its service is accurate and timely. The team also assists clients with the adaption of Morgan Stanley’s digital tools in order to utilize technology for the convenience and benefit of their clients.
Today, our team has over $680 million in assets under management.* We are proud of the services and solutions we offer our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
*As of November 21, 2024.
With over 40 combined years in the industry, the team has created successful strategic plans and investment portfolios. All members of the team are highly trained in their disciplines; and between them hold several advanced degrees and certifications. Patrick is a Financial Planning Specialist who holds the Chartered Retirement Planning Certification (CRPC). He graduated with a degree in Business Management from Montana State University. Megan Goodman is a Financial Planning Specialist and graduated from Colorado State University Global with a degree in Finance. Nicole Kunzer provides all aspects of administrative support for the team.
The team employs a systematic wealth management process to develop actionable plans tailored to individual situations. They are dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. They use this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. The team’s broad experience combined with Morgan Stanley’s vast resources enable it to assist with almost every facet of financial services including investment management, retirement planning, cash management, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice the team offers. The group takes pride in having worked with clients for decades. They have helped guide families though through their life cycle; from planning for their children’s education, retirement, to succession to the next generation.
The Northern Rocky Mountain Group strives to provide an extraordinary high level of service. Clients’ portfolios are vigilantly monitored, and meetings are scheduled regularly to appraise goals and evaluate financial conditions. The team is always accessible and its service is accurate and timely. The team also assists clients with the adaption of Morgan Stanley’s digital tools in order to utilize technology for the convenience and benefit of their clients.
Today, our team has over $680 million in assets under management.* We are proud of the services and solutions we offer our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
*As of November 21, 2024.
Services Include
- Retirement PlanningFootnote1
- Asset Management
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- Life InsuranceFootnote5
- Planning for Education FundingFootnote6
- Qualified Retirement PlansFootnote7
- UGMA/UTMAFootnote8
- Wealth ManagementFootnote9
- Professional Portfolio ManagementFootnote10
- 401(k) Rollovers
- 529 PlansFootnote11
- Municipal BondsFootnote12
- Trust ServicesFootnote13
- AnnuitiesFootnote14
- Exchange Traded FundsFootnote15
- Fixed IncomeFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Outlooks & Updates
Here at the Northern Rocky Mountain Group, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of 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.
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
GIC WeeklyGlobal Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below:
GIC on the MarketsThinking About Your Legacy? You May Need a Trust
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Read HereThoughts on the Markets
Each week, Mike Wilson, Chief U.S. Equity Strategist & Chief Investment Officer, offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen to the Latest Episode HereWhat Should I Do with My Money?
On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors. You’ll hear answers to important questions like: Is now the right time to buy a house? How should I be saving to cover the cost of college? How much do I really need to retire and am I on track?
Listen to the Latest Episode HereOur Client-Focused Practice
Years ago, when we made the decision to become financial advisors, we gave a lot of thought to the types of individuals and families we wanted to help. We asked ourselves what our strengths and skills were, and who would best be served by our experience, perspectives and values.
Over the years, we built a dynamic practice that consists of a broad range of clients:
- Highly successful individuals
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Business owners and corporate executives with concentrated wealth
- Widows and Widowers seeking guidance for themselves and their families
- Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, they collectively have one thing in common: They want to secure their financial future and pursue their personal ambitions. We help them understand their current situation and provide the clarity needed to navigate life-changing events with confidence. These events include:
- A new job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a loved one
- Caring for an ill parent/family member
- A large inheritance
We also help:
- Save effectively so children can attend the colleges of their choice
- Plan for retirement
- Finance a major acquisition or strengthen a business
- Diversify highly concentrated positions
- Tax efficient investment strategies
- Transfer wealth across generations
- Create a legacy plan to help preserve family harmony as well as assets
- Achieve philanthropic goals
As you work with us, we are confident you will find the solutions we recommend are carefully coordinated to provide the knowledge and insights needed to succeed in today’s fast-paced world. We are skilled at working closely with your other wealth professionals – such as your CPA, estate and/or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
- Highly successful individuals
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Business owners and corporate executives with concentrated wealth
- Widows and Widowers seeking guidance for themselves and their families
- Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, they collectively have one thing in common: They want to secure their financial future and pursue their personal ambitions. We help them understand their current situation and provide the clarity needed to navigate life-changing events with confidence. These events include:
- A new job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a loved one
- Caring for an ill parent/family member
- A large inheritance
We also help:
- Save effectively so children can attend the colleges of their choice
- Plan for retirement
- Finance a major acquisition or strengthen a business
- Diversify highly concentrated positions
- Tax efficient investment strategies
- Transfer wealth across generations
- Create a legacy plan to help preserve family harmony as well as assets
- Achieve philanthropic goals
As you work with us, we are confident you will find the solutions we recommend are carefully coordinated to provide the knowledge and insights needed to succeed in today’s fast-paced world. We are skilled at working closely with your other wealth professionals – such as your CPA, estate and/or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Our Clients
As your portfolio has grown, so too has its complexity and the resources needed to manage it. As Financial Advisors, we have the knowledge, experience and commitment necessary to manage your investments on an ongoing, fully discretionary basis, providing you with objective advice on critical financial matters. When you look at wealth management from a long-term perspective, one thing becomes clear: it’s your future, not just your money. Over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what’s most important — your progress toward your goals.
Shaping your retirement
Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement.
- IRAs: Traditional and Roth
- IRA rollovers
- Roth conversions
- IRAs: Traditional and Roth
- IRA rollovers
- Roth conversions
Building a unique legacy
Estate planning strategies typically bring together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately.
Educating new generations
Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles — 529 plans and custodial accounts.
Giving back through philanthropy
Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about.
- Charitable lead and remainder trusts
- Family foundations
- Donor advised funds
- Charitable lead and remainder trusts
- Family foundations
- Donor advised funds
Helping strengthen your business
The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking and lending services of Morgan Stanley.
- Credit facilities
- Cash management
- Retirement plans
- Strategic consulting and transactions
- Succession planning
- Credit facilities
- Cash management
- Retirement plans
- Strategic consulting and transactions
- Succession planning
Helping protect your wealth
- Life and disability income insurance
- Key-person insurance
- Key-person insurance
Location
2200 West Main St
Bozeman, MT 59718
US
Direct:
(406) 522-2040(406) 522-2040
Fax:
(406) 206-6818(406) 206-6818
Meet The Northern Rocky Mountain Group
Phone:
(406) 522-2066(406) 522-2066
Nicole Kunzer
Client Service Associate
Phone:
(406) 522-2063(406) 522-2063
About Patrick G Lewis
I began my career in the financial services industry in 1993, joining Merrill Lynch in 1996. After the 2008 collapse, I identified Morgan Stanley as the best place to serve my clients, and joined the firm in 2009. As a Financial Advisor with Morgan Stanley, I create and actively maintain customized financial and retirement plans for affluent individuals, families and businesses that address their specific needs, wants and goals for future years and generations.
The cornerstone of my business is the personal level of service I offer, coupled with disciplined investment and risk management. I work for each client as if they were my own family, and strive to build lasting, multi-generational relationships built on trust and superior client service.
I am a graduate of Montana State University, and very active in many local nonprofit organizations. My wife Jaclyn and I have been blessed by 4 wonderful daughters, spending time coaching and cheering them on in all of their many activities, while enjoying the great outdoor activities of Montana.
The cornerstone of my business is the personal level of service I offer, coupled with disciplined investment and risk management. I work for each client as if they were my own family, and strive to build lasting, multi-generational relationships built on trust and superior client service.
I am a graduate of Montana State University, and very active in many local nonprofit organizations. My wife Jaclyn and I have been blessed by 4 wonderful daughters, spending time coaching and cheering them on in all of their many activities, while enjoying the great outdoor activities of Montana.
Securities Agent: DC, VA, MN, MA, GA, MI, WY, TN, OH, HI, DE, WV, AR, TX, SD, NC, WA, PA, NM, NJ, MO, CO, SC, NH, ND, ME, IL, FL, AZ, KY, ID, CA, UT, MT, MD, OK, OR, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1293883
NMLS#: 1293883
About Megan Goodman
I am a true Montanan, growing up in small yet charming Ennis—home to beautiful views of the Madison Mountain Range and world-class fly fishing. I married my high school sweetheart in 2013. We have a son, Kal, and daughter, Ellie. My favorite pastimes outside of the office include spending time with my family, hiking, and community events. Currently, I volunteer with the Ennis Chamber of Commerce for events throughout the year.
I began working at Morgan Stanley in 2019 as a Client Service Associate, and with the support of my team, I have moved into the Financial Advisor role. I am very passionate about servicing my clients, and I enjoy working with businesses, families, and first responders to guide them toward achieving their financial objectives. I graduated with my bachelor’s degree in Business Finance from Colorado State University Global in May 2023. As a Financial Advisor, I provide unparalleled customer service and insightful financial solutions built to meet the specific needs of each client.
I began working at Morgan Stanley in 2019 as a Client Service Associate, and with the support of my team, I have moved into the Financial Advisor role. I am very passionate about servicing my clients, and I enjoy working with businesses, families, and first responders to guide them toward achieving their financial objectives. I graduated with my bachelor’s degree in Business Finance from Colorado State University Global in May 2023. As a Financial Advisor, I provide unparalleled customer service and insightful financial solutions built to meet the specific needs of each client.
Securities Agent: MT, AR, MI, TN, NV, NJ, NC, MN, DC, SC, KY, KS, IL, WY, OH, GA, VA, CO, UT, TX, PA, DE, MD, MA, AZ, NY, NM, MO, ID, SD, WV, NH, ME, IN, CA, WA, OR, OK, ND, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2460331
NMLS#: 2460331
About Nicole Kunzer
Nicole is a Montana native! She grew up in Plains Montana and moved to Bozeman in 2014.
Nicole has worked in the customer service industry for many years and has a passion for making sure clients are informed and well taken care of. She has worked in a variety of roles within the branch gaining valuable experience which she applies daily in her role as a Client Service Associate. Nicole is an expert in handling client requests and all administrative and service-related matters.
In her free time Nicole enjoys being outside and exploring her beautiful state. She also has a love for powerlifting which she competes in locally.
Nicole has worked in the customer service industry for many years and has a passion for making sure clients are informed and well taken care of. She has worked in a variety of roles within the branch gaining valuable experience which she applies daily in her role as a Client Service Associate. Nicole is an expert in handling client requests and all administrative and service-related matters.
In her free time Nicole enjoys being outside and exploring her beautiful state. She also has a love for powerlifting which she competes in locally.
Contact Patrick G Lewis
Contact Megan Goodman
Wealth Management
Global Investment Office
Portfolio Insights
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
Ready to start a conversation? Contact The Northern Rocky Mountain Group today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
3Morgan 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.
4Morgan 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Municipal 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.
13Morgan 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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
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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 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.
3Morgan 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.
4Morgan 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Municipal 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.
13Morgan 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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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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)
