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
Comprehensive Wealth Management. Built on Service.
At the Northern Rocky Mountain Group, we believe wealth management is about more than just numbers—it's about the life those numbers allow you to lead. Founded with a singular mission to provide a higher standard of service, our team aims to serve as the dedicated resource for entrepreneurs, executives, and high-net-worth families. We have supported clients through diverse market cycles with a long-term perspective.
Our Approach: A Disciplined Strategy
We don't believe in one-size-fits-all strategies. Our process is systematic and tailored to each client's circumstances:
- Deep Discovery: We start by understanding your unique financial position, your appetite for risk, and—most importantly—your "why."
- Customized Strategy: Leveraging Morgan Stanley's robust analytics and risk management tools, we work with you to help develop actionable plans tailored to your specific goals.
- Ongoing Oversight: Markets move, and lives change. We help monitor your portfolio and meet regularly to help keep your strategy aligned with your vision.
Meet Your Team
Our team combines academic rigor with real-world experience to help address your financial needs:
- Patrick, CRPC®: A Financial Planning Specialist and Montana State alumnus, Patrick focuses on complex retirement strategies and helping clients seek to preserve wealth.
- Megan Goodman: A Financial Planning Specialist with a Finance degree from CSU Global, Megan is experienced in modern wealth analytics and strategic planning.
- Nicole Kunzer: The backbone of our client experience, Nicole works to support administrative details with precision and care.
The Power of the Morgan Stanley Network
While we offer the personal touch of a boutique team, we provide access to the global reach of Morgan Stanley. From estate planning stategies and legacy planning to philanthropy, lending solutions, and education funding, we coordinate with a vast network of resources to help keep your financial ecosystem coordinated. Whether you are building a business, planning for the next generation, or preparing for a purposeful retirement, we are here to help provide clarity and support informed decision-making.
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.*
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 pursue your financial goals.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule to assist with your investment decisions and planning. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Tax Tables
Financing Capabilities
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help evaluate potential interest savings opportunities and help you consider an approach for prioritizing which debts may be appropriate to address first.
Build the Best Budget for You
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and evaluate if your current insurance policies are appropriate for you and your goals.
How Insurance Can Help with Retirement Planning
Comprehensive Planning
Leading up to and through retirement, we help you identify the most appropriate ways to obtain income that may help support your needs and help evaluate whether you are on track to pursue your financial goals.
Plan Your Goals
Estate Planning Strategies & Trust Services
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help align planning strategies and support your planning objectives in a thoughtful and cost-conscious manner.
Income and Estate Tax Planning Toolkit
Account Management
We work with you to help manage your retirement accounts and other investments based on your risk tolerance and other relevant circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Tax-Smart Investing. All Year Long.Working with You
Step 1: Discovery Process
Investing the time to learn about you and your family, your assets and liabilities, as well as the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Step 2: Analyze
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.
Step 3: Planning & Strategy
Your customized asset allocation reflects risk, opportunities, and taxation across multiple entities, while integrating your investing and estate plans.
Step 4: Implementation
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Step 5: Ongoing Monitoring
We conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
Disclosures:
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
OUR SUITE OF DIGITAL TOOLS...
Our comprehensive suite of digital tools are designed to help enhance many aspects of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources intended to help simplify complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allows you to manage your everyday finances from paying bills and sending money, to transferring funds and authorizing transactions with one click using eAuthorizations.
MSO
Total Wealth View
You and your Financial Advisor can now make more informed decisions with respect to your Morgan Stanley accounts by identifying potential opportunities and risks across your full financial picture. Add your external 401(k), checking/savings, brokerage accounts and more to Morgan Stanley Online to see all your finances in one place.
Aggregate Your Wealth
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Digital Vault Client Guide
LifeView
Morgan Stanley’s LifeView® Financial Planning tool provides your Financial Advisor with more robust financial planning capabilities, while giving you an easier and more intuitive user experience.
Disclosures:
LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
Plan for Your FutureDisclosures:
LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online (MSO) may enroll in eDelivery.
eDelivery
eSign via Docusign
To use eSign, all you need is a valid email address and phone number. The personal identification number (PIN) can be delivered via phone call or via text message. Here are the steps to complete the signing process.
eSign Client Guide
eAuthorizations
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
eAuthorizations Client Guide Video
MFA Verification
Multi-Factor Authentication (MFA) allows you to add additional verification —beyond your username and password — to confirm your identity and protect access to your accounts. MFA can help safeguard your accounts in the event that your username and password are compromised.
MFA Verification Client GuideOutlooks & Updates
We strive to simplify complex financial ideas so that my clients understand the strategies being implemented and how they relate to their long-term goals. We are firm believers of giving my 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
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 for which you love and care.
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 HereLocation
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: OH, TN, WY, DE, SC, NH, ND, ME, IL, FL, AZ, KY, ID, CA, UT, MT, MD, IN, OK, MI, WV, AR, GA, TX, SD, NC, WA, PA, NM, NJ, MO, CO, OR, NY, HI, NV, DC, VA, MN, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1293883
NMLS#: 1293883
About Megan Goodman
I am a true Montanan, growing up in a small yet charming Ennis, home to the beautiful views of the Madison Mountain Range and world-class fly fishing. I married my high school sweetheart in 2013, and we are now raising our two children, Kal and Ellie, in this beautiful state we call home.
My approach to financial planning is rooted in the same values I learned growing up in Ennis: integrity, hard work, and dedication to stewardship. Since joining Morgan Stanley in 2019, I have transitioned from a Client Service Associate to a Financial Advisor, giving me a 360-degree view of the client experience. I focus on helping businesses and families navigate complex financial landscapes with comprehensive strategies and service. Whether you are planning for retirement or looking to preserve your family’s legacy, I am passionate about supporting you on your journey toward your goals with clarity and insight.
When I’m not at my desk, I’m likely spending time with my family outdoors, gardening, baking, or making candles.
My approach to financial planning is rooted in the same values I learned growing up in Ennis: integrity, hard work, and dedication to stewardship. Since joining Morgan Stanley in 2019, I have transitioned from a Client Service Associate to a Financial Advisor, giving me a 360-degree view of the client experience. I focus on helping businesses and families navigate complex financial landscapes with comprehensive strategies and service. Whether you are planning for retirement or looking to preserve your family’s legacy, I am passionate about supporting you on your journey toward your goals with clarity and insight.
When I’m not at my desk, I’m likely spending time with my family outdoors, gardening, baking, or making candles.
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
A Simple Six-Step Retirement Checkup
Article Image
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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
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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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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
