Greg P. Olson, CFP®, QPFC
Senior Vice President, Financial Advisor
Phone:
(651) 350-2345(651) 350-2345
Greg P. Olson CFP®, QPFC
Executive Director, Wealth Management,
Financial Advisor,
Senior Portfolio Manager,
Alternative Investments Director
Direct:
(952) 475-4113(952) 475-4113
My Mission Statement
Experience, intellectual capital, and dedicated personal service to help you meet your life goals.
My Story and Services
"As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices."
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Philanthropic ManagementFootnote3
- Corporate Retirement PlansFootnote4
- Cash Management and Lending ProductsFootnote5
- Alternative InvestmentsFootnote6
- Estate Planning StrategiesFootnote7
- 529 PlansFootnote8
- AnnuitiesFootnote9
- 401(k) Rollovers
- Long Term Care InsuranceFootnote10
Securities Agent: AZ, NV, ME, WA, TN, SD, PA, MN, IL, WI, VA, NJ, GA, FL, SC, OR, NY, NM, CO, CA, KS, IA, CT, OH, WY, TX, NC, ID, DC, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301118
NMLS#: 1301118
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
ENTREPRENEURS & EXECUTIVES
Business Financing & Planning
You have meaningful goals that I can help you reach. For years, I have worked with individuals, families, businesses and institutions—to deliver services and solutions that help build, preserve and manage wealth
Equity Solutions
Equity is more than shares. It’s a commitment to your employees.
That’s why I design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, I help you effectively administer equity while managing risk and compliance on a global scale
That’s why I design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, I help you effectively administer equity while managing risk and compliance on a global scale
Pre-Liquidity Planning
Liquidity events such as an initial public offering or a
merger or acquisition may provide income and estate
planning opportunities. Liquidity events also magnify the
need to put in place or update certain essential estate
planning documents
merger or acquisition may provide income and estate
planning opportunities. Liquidity events also magnify the
need to put in place or update certain essential estate
planning documents
Retirement Solutions
For your employees, retirement is more than a date in the future – it’s a milestone that takes time, hard work and the right tools to achieve. Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals
Choosing a Business Structure
I can help you make well-informed personal wealth management decisions at every stage of your company's development.
Corporate Executives
As a senior executive, you have significant responsibilities to your customers, colleague, board of directors, shareholders and members of the communities in which you do business. I offer a unique combination of experience, expertise and insight to address your financial needs and family goals.
Business Succession
I will help you make well-informed personal wealth management decisions at every stage of your company's development. My goal is to provide you with the information, insight and resources needed to help you reach your personal and professional goals.
Employee Stock & Stock Options
Executives today are increasingly compensated with stock or stock options. However, exercising stock options presents a number of difficult—and sometimes divergent—choices. Accordingly, it is critical that an executive understand the risk of investing financial assets and the potential reward of preferential income tax treatment.
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few minutes.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love in the event of a catastrophe or serious illness, disability, or death. Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. The Digital Vault can be accessed both via Morgan Stanley Online and the Morgan Stanley Mobile App, allowing you to construct a central, shared documents library where all documents can be stored using encryption.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
eSign
Our clients can take advantages of an efficient and streamlined document management process, which expedites the receipt, review, and execution of essential documents without the delays often associated with traditional mailing methods. The seamless utilization of our eSign feature only requires a valid email address and phone number to commence, making it a hassle-free process for our valued users.
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view seeking to enable risk to be effectively monitored and managed.
Greg P. Olson
Greg has acquired these following designations throughout his tenure as a financial advisor.
CFP® - CERTIFIED FINANCIAL PLANNER™
The CFP certification is the standard for financial planning. CFP® professionals have received this formal designation from the Certified Financial Planner Board of Standards. They meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
QPFC - Qualified Plan Financial Consultant
QPFC is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The designation means you have an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals.
Lending Specialist
Internal Morgan Stanley Designation
Alternative Investment Director
Internal Morgan Stanley Designation
Forbes Top Next-Gen Wealth Advisors Best-in-State 2023, 2024
Ranked third in 2024.
Awards Disclosures:
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023 & 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Awards Disclosures:
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023 & 2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Forbes Best-In-State Wealth Advisors 2024
Awards Disclosures
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Five-Star Wealth Manager Winner- 2014-2024
Awards Disclosures
Source: fivestarprofessional.com (Awarded 2014-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2014 Award – 4/17/2013 – 10/14/2013
2015 Award – 4/17/2014 – 10/14/2014
2016 Award – 4/17/2015 – 10/14/2015
2017 Award – 2/25/2016 – 10/14/2016
2018 Award – 2/23/2017 – 10/13/2017
2019 Award – 3/23/2018 – 10/23/2018
2020 Award – 3/01/2019 – 10/25/2019
2021 Award – 3/30/2020 – 10/23/2020
2022 Award – 3/29/2021 – 10/08/2021
2023 Award – 3/14/2022 – 10/18/2022
2024 Award - 3/13/2023 – 09/29/2023
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: fivestarprofessional.com (Awarded 2014-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2014 Award – 4/17/2013 – 10/14/2013
2015 Award – 4/17/2014 – 10/14/2014
2016 Award – 4/17/2015 – 10/14/2015
2017 Award – 2/25/2016 – 10/14/2016
2018 Award – 2/23/2017 – 10/13/2017
2019 Award – 3/23/2018 – 10/23/2018
2020 Award – 3/01/2019 – 10/25/2019
2021 Award – 3/30/2020 – 10/23/2020
2022 Award – 3/29/2021 – 10/08/2021
2023 Award – 3/14/2022 – 10/18/2022
2024 Award - 3/13/2023 – 09/29/2023
https://www.morganstanley.com/disclosures/awards-disclosure.html
Morgan Stanley Master’s Club 2022
Morgan Stanley Master’s Club 2023
Global Investment Committee on the Markets
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 this month's edition here.
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Morgan Stanley's Promotional Preferred Savings Program
Make the most of your cash at a competitive rate here at Morgan Stanley.
Estate Planning Strategies
Explore the basics of estate planning strategies and understand your options to help preserve your legacy.*
*Disclaimer: 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.
Location
445 East Lake Street
Suite 320
Wayzata, MN 55391
US
Direct:
(952) 475-4113(952) 475-4113
Meet My Team
Cooper Lukenda
Financial Advisor, Financial Planning Specialist
Phone:
(952) 475-4348(952) 475-4348
Amy Erck
Senior Registered Client Service Associate
Phone:
(952) 475-4361(952) 475-4361
About Greg P. Olson
Greg has been working in the financial services industry for over 15 years and is the team’s CERTIFIED FINANCIAL PLANNER™. Greg assists clients with all aspects of financial planning, including wealth accumulation strategies, retirement income planning, risk management, education planning, and estate and tax related strategies.
Greg holds a B.A. in Economics from St. Olaf College in Northfield, Minnesota. He remains active in the USA Bandy community as a captain of the USA Men’s Bandy Team. Greg and his wife, Dalay, currently live in Minnetonka, Minnesota, where they enjoy spending time with their two children.
Greg holds a B.A. in Economics from St. Olaf College in Northfield, Minnesota. He remains active in the USA Bandy community as a captain of the USA Men’s Bandy Team. Greg and his wife, Dalay, currently live in Minnetonka, Minnesota, where they enjoy spending time with their two children.
Securities Agent: AZ, NV, ME, WA, TN, SD, PA, MN, IL, WI, VA, NJ, GA, FL, SC, OR, NY, NM, CO, CA, KS, IA, CT, OH, WY, TX, NC, ID, DC, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
About Cooper Lukenda
Cooper is a Financial Advisor on the team who joined Morgan Stanley and Greg Olson in 2022. He was a Registered Client Service Associate prior to joining the Financial Advisor Associate program in 2024. Cooper graduated Summa Cum Laude while receiving his B.A. with Distinction in Economics from St. Olaf College in Northfield, Minnesota.
Cooper grew up in Sault Ste. Marie, Ontario, but has called Minnesota home for nearly 10 years. He currently lives in Minneapolis and has since been converted to a Minnesota Vikings fan. He also is the assistant Men’s Golf Coach at St. Olaf, where he formerly played.
NMLS #: 2687337
Cooper grew up in Sault Ste. Marie, Ontario, but has called Minnesota home for nearly 10 years. He currently lives in Minneapolis and has since been converted to a Minnesota Vikings fan. He also is the assistant Men’s Golf Coach at St. Olaf, where he formerly played.
NMLS #: 2687337
Securities Agent: WY, WA, ID, CO, AZ, TX, NC, MN, GA, DC, CT, PA, NM, MI, KS, IL, SC, NY, NV, FL, CA, OR, VA, TN, SD, OH, IA, WI; General Securities Representative; Investment Advisor Representative
About Amy Erck
Amy is a Senior Registered Client Service Associate and has been with Morgan Stanley since 2018. Prior to that she was a Family Law and Estate Planning Attorney, having graduated from William Mitchell College of Law in St. Paul, Minnesota. Before graduating from William Mitchell, Amy attended college at Concordia University St. Paul, where she received her B.A. in Sociology and English.
Amy grew up in the Twin Cities area and currently resides in Maple Grove with her husband Kyle, and their two children, Brynn and Benjamin.
Amy grew up in the Twin Cities area and currently resides in Maple Grove with her husband Kyle, and their two children, Brynn and Benjamin.
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
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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 Greg P. Olson CFP® today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Morgan 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
6Alternative 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Investors 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Morgan 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
6Alternative 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Investors 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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)
