Senior Vice President, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(515) 224-5510(515) 224-5510
The O'Connor Group at Morgan Stanley
Direct:
(515) 224-9195(515) 224-9195
Our Mission Statement
Delivering high quality service with a wide array of investment
solutions
solutions
WELCOME
Jim and Patrick are more than colleagues. This Father-Son advisory duo works together to offer a balanced approach to financial guidance and planning. They work to leverage Morgan Stanley’s resources and decades worth of financial markets knowledge. Their ultimate goal is to help you feel confident in your financial future and legacy by offering unique investment solutions with thorough, yet simplified explanations.
They are a multigenerational team servicing multigenerational families, retirees, and financial professionals. Their service model includes prompt response times and a proactive approach to planning. Through transparency and careful attention to detail, The O’Connor Group can help provide guidance in your retirement and in your employees’ retirements.
They are a multigenerational team servicing multigenerational families, retirees, and financial professionals. Their service model includes prompt response times and a proactive approach to planning. Through transparency and careful attention to detail, The O’Connor Group can help provide guidance in your retirement and in your employees’ retirements.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Alternative InvestmentsFootnote4
- 401(k) Rollovers
- Trust ServicesFootnote5
- Cash Management and Lending ProductsFootnote6
- Wealth ManagementFootnote7
- Municipal BondsFootnote8
- Corporate BondsFootnote9
- Qualified Retirement PlansFootnote10
- Life InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
At The O'Connor Group, we believe that securing your financial future starts with an understanding of your complex situation and priorities. Our disciplined process allows us to manage your wealth through a highly customized approach geared toward achieving your unique goals.
Step 1: Discovery
During our initial discussion, we will discuss you, your lifestyle, and your financial concerns to ascertain your values, risk tolerance, and future goals. We also want to understand your service preferences so we can best add value to your situation. This information will aid us in customizing your plan and service model.
Step 2: Analysis
Here, we utilize proprietary tools and insights from Morgan Stanley to conduct a comprehensive assessment of your financial situation. We will offer an asset allocation analysis for your accounts based on your holistic financial plan which will be aligned with your objectives.
Step 3: Implementation
The next step is transferring your assets to Morgan Stanley and getting you set up on the firm's convenient tools for managing your accounts. Once completed, we can explore the details of your plan's implementation like logistics, tax impact, and employer benefits.
Step 4: Ongoing Monitoring
Once your plan is in place, we will constantly monitor your account performance and provide quarterly updates. We will keep up with you in your situation through regular meetings and open communication. We welcome any discussion about a shift in your financial situation, and we will adjust your plan accordingly.
Modern Wealth Management Tools
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Direct Indexing
Learn more about the potential advantages of a direct indexing strategy and how it can help you meet your financial goals.
Learn More About Direct Indexing
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Portfolio Risk Platform
BlackRock's cutting-edge risk engine, Aladdin, allows Morgan Stanley to offer you a sophisticated view of the risks and potential returns of different asset allocations in your portfolio.
To Learn More, Watch This Video
Goals-Based Planning
We pair our industry knowledge with the best tools to build a financial plan customized to your goals and objectives. Our tools modernize the planning process to offer highly tailored advice.
Learn More About Our Planning Solutions
CashPlus
Manage your cash with Morgan Stanley's CashPlus brokerage account. Enjoy a seamless digital experience, zero cash management fees, and more value and protection.
Liquidity Access Line
Our Liquidity Access Line allows you to use your eligible securities as collateral for a line of credit. This can fund things like real estate purchases, tax obligations, business expenses, and more.
To Learn More, Watch This Video
Thoughts on The Market Podcast
With regular episodes under 10 minutes, Morgan Stanley's Thoughts on the Market podcast allows you to stay in the loop with some of our top executives' understandings market trends and related events.
Check Out The Latest EpisodeComprehensive Financial Planning
Our planning process begins with you, your investment preferences, and your financial goals. Our approach is holistic in that it encompasses your variety of needs and circumstances and utilizes a suite of analytic tools to create a comprehensive financial plan.
Your plan will be customized to meet your investment and cash management needs. It will serve and evolve as a personal roadmap towards achieving your financial objectives. We have assembled some tools related to our financial planning process for your reference below.
Your plan will be customized to meet your investment and cash management needs. It will serve and evolve as a personal roadmap towards achieving your financial objectives. We have assembled some tools related to our financial planning process for your reference below.
Tax Tables
When it comes to planning, it is important to get a head start on things like tax season. The document below outlines information like the 2025 tax rate schedule and account limits. Don’t let this season sneak up on you.
Click here for the 2025 Federal Tax Tables
Retirement
Leading up to and through retirement, we will work together to identify the most suitable investments for securing your financial future and legacy. At The O’Connor Group, we strive to keep you on track to accomplish your financial goals and retire free of stressors.
Alternative Investments
During volatile moments in the markets, it is important to get creative with your investments. Utilizing tools and research from Morgan Stanley, we are able to explore alternative investments like real estate and structured investments to generate income. Your portfolio will remain customized to you, but we will always be searching for innovative ways to meet your needs.
LifeView
Lifeview is a suite of intelligent planning tools that supports goal-specific analysis. It provides progress-to-goals reporting and can illustrate complex strategies. All of these resources incorporate the various relevant elements of your financial life.
Click here to view a sample LifeView plan
Protecting Your Retirement From Market Volatility
The unpredictability of financial markets can disrupt even the best-laid retirement plans. These five strategies may help investors stay on track.
Learn More
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.
Learn More
Planning to Fund Long-Term Care Expenses
Health care costs are rising—especially for retirees, and some may need long-term care. Prepare with these moves.
Learn More
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Learn MoreLocation
1080 Jordan Creek Pkwy
Ste 400N
West Des Moines, IA 50266
US
Direct:
(515) 224-9195(515) 224-9195
Meet The O'Connor Group
Associate Vice President, Financial Advisor, Alternative Investments Director, Portfolio Management Director
Phone:
(515) 224-5558(515) 224-5558
Gail O'Connor
Senior Registered Client Service Associate
Phone:
(515) 224-5512(515) 224-5512
About James O'Connor
An experienced financial advisor, Jim has stuck with his career in wealth management because of his passion for helping people. He was licensed in 1985 and has worked in financial services ever since. Working closely with his son since 2011, Jim understands the value of guidance and the importance of balance in both personal and professional spaces. He implements this knowledge throughout his client interactions. Jim is glad to spend time with his wife and son both on and off the clock.
Prior to joining the financial services field, Jim studied at Drake University and competed in the NFL. Outside of servicing his clients, Jim spends time with his family which has grown to include grandchildren. He and Gail have two labs and one lab-mix they recently rescued.
Prior to joining the financial services field, Jim studied at Drake University and competed in the NFL. Outside of servicing his clients, Jim spends time with his family which has grown to include grandchildren. He and Gail have two labs and one lab-mix they recently rescued.
Securities Agent: MN, IL, IA, FL, AZ, KS, WI, TX, SC, SD, OK, NV, NE, MO; General Securities Representative; Investment Advisor Representative
About Patrick O'Connor
Patrick joined his father in practice in 2011 and has been servicing clients with care ever since. Prior to joining The O’Connor Group, Patrick received his Bachelor’s in Biopsychology from Morningside University and worked in the retail industry. His experiences outside the financial services industry allow Patrick to understand the importance of preserving and growing the assets his clients worked their entire lives to attain.
He helps clients create a plan for retirement through proactive and innovative investment strategies. When it comes to ongoing service, he strives to ensure prompt responses to any inquiry they may have. He practices transparency by utilizing firm tools to simplify and demonstrate his investment decision making process to clients.
Patrick finds genuine fulfillment in problem solving and building client confidence. In his free time, he spends time with his young son and daughter. He also enjoys golf and sports in general, but especially when playing competitively or with his son.
He helps clients create a plan for retirement through proactive and innovative investment strategies. When it comes to ongoing service, he strives to ensure prompt responses to any inquiry they may have. He practices transparency by utilizing firm tools to simplify and demonstrate his investment decision making process to clients.
Patrick finds genuine fulfillment in problem solving and building client confidence. In his free time, he spends time with his young son and daughter. He also enjoys golf and sports in general, but especially when playing competitively or with his son.
Securities Agent: MO, MN, MA, KS, IL, IA, FL, CO, AZ, AL, NE, WI, TX, SD, SC, OK, OH, NV, ND, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1667630
NMLS#: 1667630
About Gail O'Connor
Long-time CSA to this family practice, Gail has been in the financial service industry for nearly 30 years. She is committed to servicing clients with the highest level of support through administrative and operational functions.
Prior to joining Morgan Stanley, Gail earned her Bachelor of Arts from Iowa State University. Her three daughters attended the University of Iowa, pursuing fields in business and healthcare. She and Jim married in 2010 and are now the proud owners of three beloved dogs: Lily, Trice, and Chance. They love traveling and spending time with the dogs and family, especially by the lake.
Prior to joining Morgan Stanley, Gail earned her Bachelor of Arts from Iowa State University. Her three daughters attended the University of Iowa, pursuing fields in business and healthcare. She and Jim married in 2010 and are now the proud owners of three beloved dogs: Lily, Trice, and Chance. They love traveling and spending time with the dogs and family, especially by the lake.
Contact James O'Connor
Contact Patrick O'Connor
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
Eric Townsend
Private Banker
Sarah Ott, CFP®
Financial Planning Director, Vice President
About Eric Townsend
Eric Townsend is a Private Banker serving Morgan Stanley Wealth Management offices in Iowa, Nebraska, and Missouri.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Eric began his career in financial services in 1992, and joined Morgan Stanley in 2017. His professional experience includes more than 25 years as both a Financial Advisor and Private Banker.
Eric is a graduate of the University of Texas at Dallas, where he received a Bachelor of Science in Economics and Finance. He and his family live in Urbandale, Iowa. When not in the office, Eric donates his time to Habitat for Humanity, St Jude Children’s Research Hospital and ChildServe, an organization dedicated to improving the health and well-being of children through clinical, home, and community-based programs and services.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Eric began his career in financial services in 1992, and joined Morgan Stanley in 2017. His professional experience includes more than 25 years as both a Financial Advisor and Private Banker.
Eric is a graduate of the University of Texas at Dallas, where he received a Bachelor of Science in Economics and Finance. He and his family live in Urbandale, Iowa. When not in the office, Eric donates his time to Habitat for Humanity, St Jude Children’s Research Hospital and ChildServe, an organization dedicated to improving the health and well-being of children through clinical, home, and community-based programs and services.
NMLS#: 1112130
About Sarah Ott
Sarah Ott, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact The O'Connor Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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.
6Morgan 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
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10When 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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.
6Morgan 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
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10When 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
