Phone:
(402) 399-6309(402) 399-6309
The Omaha Group at Morgan Stanley
Direct:
(402) 397-0900(402) 397-0900
Toll-Free:
(800) 228-3309(800) 228-3309
Our Mission Statement
Working with you to preserve and grow wealth for your long-term goals
Value investing, hometown roots
Hard work, trust, diligence and education--these are principles core to your values and core to our wealth management strategy. Sound wealth management comes from working with a team which constructs a financial strategy grounded in these values and which is tailored to your wants and needs.
Proper planning requires more than just selecting products off a shelf. You want a team which puts your interests first, is direct about options, and offers clarity and confidence regarding your investments. Wherever your path takes you--whether you're looking to finance a daughter's new home or rebuild a family after an unexpected loss--a personal and thorough financial plan tests and solidifies the outcome. By overseeing our clients' portfolios personally, we stay true to our hometown roots, keeping your interests as close as our own.
As your Financial Advisory team, The Omaha Group listens to your passions and future plans and helps pave the road for your individual journey. Our senior advisors have worked with our clients since the early 1980s, we've walked our clients through every step of their financial voyage--not just as their Financial Advisors, but as friends. Create the future you envision for yourself--and for your family.
Proper planning requires more than just selecting products off a shelf. You want a team which puts your interests first, is direct about options, and offers clarity and confidence regarding your investments. Wherever your path takes you--whether you're looking to finance a daughter's new home or rebuild a family after an unexpected loss--a personal and thorough financial plan tests and solidifies the outcome. By overseeing our clients' portfolios personally, we stay true to our hometown roots, keeping your interests as close as our own.
As your Financial Advisory team, The Omaha Group listens to your passions and future plans and helps pave the road for your individual journey. Our senior advisors have worked with our clients since the early 1980s, we've walked our clients through every step of their financial voyage--not just as their Financial Advisors, but as friends. Create the future you envision for yourself--and for your family.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Professional Portfolio ManagementFootnote2
- Wealth PlanningFootnote3
- Financial PlanningFootnote4
- Executive Financial ServicesFootnote5
- Trust AccountsFootnote6
- Estate Planning StrategiesFootnote7
- Divorce Financial AnalysisFootnote8
- Corporate Retirement PlansFootnote9
- Retirement PlanningFootnote10
- Business Succession PlanningFootnote11
- Long-term Care InsuranceFootnote12
- Life InsuranceFootnote13
- Cash Management and Lending ProductsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We start by listening to you-- your dreams, your concerns and, more importantly, the legacy you hope to leave for you and your family. That first step together leads us along a path where we construct a portfolio that dovetails to your personal objectives. As a boutique firm, we have the ability to guide you along every turn, helping you construct a wealth strategy plan that is uniquely yours.
Step 1. Introductory Meeting
Our relationship begins with an initial discussion aimed toward getting to know you, your family, your lifestyle and your future goals.
Step 4. Implementation
The implementation phase focuses on putting your goals into practice. You can expect this phase to include gathering of statements and documents and signing your account opening documents via DocuSign. Once we have opened all of the relevant accounts, we will put into practice the strategies outlined in your financial plan presentation.
Step. 2 Discovery Meeting
During the discovery meeting, we will put together all of your financial information, including your current investments, employer sponsored retirement plans (past and present), your assets and liabilities, and your goals for the future into a comprehensive financial plan. For this meeting, we normally set aside 30-60 minutes.
Step. 5 Monitoring
Once your strategy is in place, we will be monitoring your progress toward your goals. Your financial plan will be regularly discussed, and you will receive regular statements that show your progress toward your goals. During the Implementation phase, we will set you up on a regular meeting schedule. Meetings may be held either in-person, via phone or via Zoom video conference.
Step. 3 Financial Plan Presentation
Financial plans are normally presented either in person or via Zoom video conferencing. Our plan for you can be as simple or as complex as your situation requires. During this meeting, you’ll be given opportunity to make corrections and update your goals and we will offer our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Digital Toolbox
Our comprehensive suite of digital tools are designed to enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Allows you to manage your account online conveniently and securely or on your mobile device.
Learn More About MSO
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. The Mobile App also offers features to help simplify your everyday finances including mobile check deposit and Send Money with Zelle, the new and convenient way to send and receive money.
Learn More About MS Mobile App
Morgan Stanley Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as financial statements, authorizations, tax filings, and other relevant files. All Digital Vault documents are virus scanned and encrypted for additional security.
Learn More About Digital Vault
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Learn More About E-Authorization
Safe & Secure Data Access
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Learn More About Safe & Secure Data Access
E-Sign
eSign is a paperless alternative to the traditional means of obtaining signatures. The most frequently used New Account Opening (NAO) forms, as well as several Money Movement forms, are available through eSign.
Learn More About E-Sign
Your Assets Are Safeguarded at Morgan Stanley
As a Morgan Stanley client, you rely on us to help you reach your financial goals. As a result, you entrust us with not only your aspirations for the future, but also with your confidential information and assets. We want you to know how seriously we take our responsibilities.
Learn More About Your Safeguarded Asets
Mobile Deposit Instructions
With the Morgan Stanley Mobile App, you can use the mobile check deposit feature to deposit checks drawn on a U.S. bank, anytime, anywhere. Follow these simple steps to deposit your check:
Learn More About Mobile DepositValuable Resources
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
2025 Tax Tables
Cash Management Solutions
Morgan Stanley has a full suite of cash management solutions for your cash needs. Our Active Assets Account allows you to manage your investments and cash in one place. For a dedicated cash account, as an alternative to your traditional bank, explore our Morgan Stanley CashPlus Account.
Cash Management Solutions
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Market Podcast
LAL
Bank lending product fully integrating with the Wealth Management platform, LAL is a securities-based loan that offers a range of borrowing options while pledging eligible securities from the client’s brokerage account at Morgan Stanley Smith Barney LLC as collateral.
LAL Video
The Morgan Stanley Platinum Card®
With benefits reimagined across travel, entertainment and dining, The Morgan Stanley Platinum Card® makes every day an adventure.
Click Here to Learn More
Reserved Living & Giving
We’re pleased to offer a complimentary program designed to help eligible clients enhance their lifestyles. Reserved Living & Giving is a loyalty program that goes beyond traditional wealth management services and provides access to one-of-a-kind experiences, discounts on premium brands, insights from thought leaders and philanthropic guidance.
Reserved Living & Giving
Preferred Savings Program
Once you open a Morgan Stanley brokerage account, you can take advantage of our great Preferred Savings for Qualifying Cash offer at 5.00% APY.
Click Here to Learn More
Certificate of Deposit Rates
Once you open an eligible Morgan Stanley brokerage account, you can take advantage of competitive rates from our new Certificate of Deposit (CD) Promotion, issued by either Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A.
Click Here to Learn More
Preparing for Your Meeting with an Estate Planning Attorney
You have worked long and hard to achieve success and build wealth for you and your family. There have been numerous challenges along the way. You may be at a point now where your greatest challenge is preserving your wealth and building a plan for its transition to those you choose in a way you choose.
Click Here to Learn More
The One Conversation You Should Be Having
Take these steps to ensure you have trusted decision-makers in place should you—or your parents—become incapacitated.
Click Here to Learn More
Donor Advised Funds
Charitable giving is among the highest of human aspirations, woven into the fabric of organizations, countries and societies around the world. While many individuals and families have a deep commitment to philanthropy, charitable giving is not limited to those with significant wealth. Donor advised funds are among the easiest and most tax-advantaged ways to give to charity for donors.
Click Here to Learn More
Qualified Charitable Distributions
If you like to give to charity while also trimming your tax bill, thanks to the Qualified Charitable Distribution (QCD) provision in the US tax code, you have the opportunity to strengthen your legacy while potentially reducing your taxable income and your taxable estate when you transfer funds directly from your IRA to an eligible charity. IRA owners who are 70½ or older may be eligible to transfer up to $100,0001 per year to eligible charities they support. Plus, the QCD can count toward annual IRA required minimum distributions.
Click Here to Learn More
Understanding IRA RMD's
If you like to give to charity while also trimming your tax bill, thanks to the Qualified Charitable Distribution (QCD) provision in the US tax code, you have the opportunity to strengthen your legacy while potentially reducing your taxable income and your taxable estate when you transfer funds directly from your IRA to an eligible charity. IRA owners who are 70½ or older may be eligible to transfer up to $100,0001 per year to eligible charities they support. Plus, the QCD can count toward annual IRA required minimum distributions.
Click Here to Learn MoreThe Basics of Estate Planning
Location
13625 California St
Ste 400
Omaha, NE 68154
US
Direct:
(402) 397-0900(402) 397-0900
Toll-Free:
(800) 228-3309(800) 228-3309
Meet The Omaha Group
Financial Advisor, Vice President, Insurance Planning Director, Senior Portfolio Manager
Phone:
(402) 399-6167(402) 399-6167
Amy Fritch
Client Service Associate
Phone:
(402) 399-6357(402) 399-6357
Alex Otte
Client Service Associate
Phone:
(402) 399-6162(402) 399-6162
About John A Dahir
John began his career with Charles Heider Co. on September 15th, 1980, a regional investment firm that would eventually become Morgan Stanley, where he would meet the future partners of The Omaha Group. With 44 years in financial and investment services, John serves as the team’s lead manager handling the construction of core equity portfolios within the Portfolio Management Program. His dedication to the firm earned John the 35 Year Dedicated & Loyal Service Award from Morgan Stanley, and a position on its President’s Council in 2019.
Graduating from Omaha’s Creighton Preparatory School in 1973, John later obtained a Bachelor of Science in Business Administration from the University of Nebraska-Lincoln, where he swam as a four-year letterman. Still an avid swimmer today, John also enjoys reading, traveling, staying fit and spending time with his two daughters Jaime and Isabella.
Graduating from Omaha’s Creighton Preparatory School in 1973, John later obtained a Bachelor of Science in Business Administration from the University of Nebraska-Lincoln, where he swam as a four-year letterman. Still an avid swimmer today, John also enjoys reading, traveling, staying fit and spending time with his two daughters Jaime and Isabella.
Securities Agent: IA, MS, TX, AZ, WA, UT, NY, NJ, MI, MD, ID, WI, NC, MN, NM, MO, ME, MA, FL, SD, PA, LA, KS, IL, GA, CO, PR, VA, OH, NV, NE, CA, AK, SC, OK, ND, HI, AL, IN, OR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1290638
NMLS#: 1290638
About Nicci Clark
Nicci Clark is a Financial Advisor, Vice President and Senior Portfolio Manager. She joined Morgan Stanley Wealth Management as a Financial Advisor in 2013, and in April 2019 she joined The Omaha Group at Morgan Stanley.
After graduating with a finance degree from the University of Nebraska, Nicci began her career as a captive life insurance agent. She quickly grew frustrated with the pressure to sell insurance solutions when she realized that life insurance was a solution to a narrow set of problems and wanted to have a more comprehensive set of solutions for her clients. That’s when Nicci attended Creighton Law where she studied business law. This validated her concerns that too many people in the industry were solving problems with complex products that were unnecessary in many cases. After graduating from law school, she started a business planning practice, which evolved into an estate planning practice. Working with clients on their individual estate plans gave Nicci an understanding about family dynamics and legacy planning, as well as gave her an opportunity to educate clients about what they should be doing to maximize their earnings and preserve their legacy.
Nicci typically starts her client onboarding process by putting together a comprehensive financial plan. Through this process, she will discover the most about each client, and will overall determine if she is a good fit for them. This gives both parties a roadmap for the future advisor-client relationship and helps her see the clients’ goals through their perspective on the world. Once the relationship is established, she will then schedule regular calls to check in on changes that might impact their financial plans.
In addition to her busy professional career, Nicci has served on numerous non-profit boards. Nicci currently sits on the Nebraska DECA Advisory Board (a high school marketing club). She also chairs the Elkhorn Public Schools Foundation Alumni Scholarship committee, which gave out its first scholarships to Elkhorn students beginning in 2023. Nicci currently holds a CFP (Certified Financial Planner) designation, a CDFA (Certified Divorce Financial Analyst) designation, and a QPFC (Qualified Plan Financial Consultant) designation.
Nicci currently lives in Papillion, NE with her husband, Chris, who is a retired USAF Colonel, who is currently a contract instructor pilot at Offutt AFB. son, Joel, recently graduated from the Ross School of Business at the University of Michigan and works in Chicago. Their daughter, Courtney, is a music education major at the University of Nebraska-Lincoln and plays tuba in the Cornhusker Marching Band. In Nicci’s free time she enjoys playing piano, going to Husker events, and traveling.
After graduating with a finance degree from the University of Nebraska, Nicci began her career as a captive life insurance agent. She quickly grew frustrated with the pressure to sell insurance solutions when she realized that life insurance was a solution to a narrow set of problems and wanted to have a more comprehensive set of solutions for her clients. That’s when Nicci attended Creighton Law where she studied business law. This validated her concerns that too many people in the industry were solving problems with complex products that were unnecessary in many cases. After graduating from law school, she started a business planning practice, which evolved into an estate planning practice. Working with clients on their individual estate plans gave Nicci an understanding about family dynamics and legacy planning, as well as gave her an opportunity to educate clients about what they should be doing to maximize their earnings and preserve their legacy.
Nicci typically starts her client onboarding process by putting together a comprehensive financial plan. Through this process, she will discover the most about each client, and will overall determine if she is a good fit for them. This gives both parties a roadmap for the future advisor-client relationship and helps her see the clients’ goals through their perspective on the world. Once the relationship is established, she will then schedule regular calls to check in on changes that might impact their financial plans.
In addition to her busy professional career, Nicci has served on numerous non-profit boards. Nicci currently sits on the Nebraska DECA Advisory Board (a high school marketing club). She also chairs the Elkhorn Public Schools Foundation Alumni Scholarship committee, which gave out its first scholarships to Elkhorn students beginning in 2023. Nicci currently holds a CFP (Certified Financial Planner) designation, a CDFA (Certified Divorce Financial Analyst) designation, and a QPFC (Qualified Plan Financial Consultant) designation.
Nicci currently lives in Papillion, NE with her husband, Chris, who is a retired USAF Colonel, who is currently a contract instructor pilot at Offutt AFB. son, Joel, recently graduated from the Ross School of Business at the University of Michigan and works in Chicago. Their daughter, Courtney, is a music education major at the University of Nebraska-Lincoln and plays tuba in the Cornhusker Marching Band. In Nicci’s free time she enjoys playing piano, going to Husker events, and traveling.
Securities Agent: NJ, TX, NE, MA, AZ, AK, NM, MI, IA, HI, WI, SC, OK, ND, AL, OR, MO, GA, FL, CO, CA, UT, SD, NC, IL, VA, PR, OH, NV, ME, MS, PA, NY, KS, ID, IN, WA, MN, MD, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282648
CA Insurance License #: 0M95778
NMLS#: 1282648
CA Insurance License #: 0M95778
About Amy Fritch
Amy began her career in financial services in 2015 and comes to us as a Client Service Associate. While she enjoys working with both clients and advisors, Amy’s favorite role is that of a mother to her four grown children. In her free time, Amy enjoys gardening, crafting, traveling and home renovations.
About Alex Otte
Alex is joining our team as a Senior Registered Client Service Associate. Alex is a graduate of Doane College with a degree in Business Management. With over a decade of experience, his roles in the financial industry have included financial advising, securities trading, managing professional brokers, and (most importantly) working to make an impact on client lives.
Alex and his wife Brandi have two rambunctious girls, Annabelle and Madelyn. When not at work he can be found camping and fishing with his family, traveling to a new destination, working on an endless supply of home improvement projects, or cheering on the Green Bay Packers.
Alex and his wife Brandi have two rambunctious girls, Annabelle and Madelyn. When not at work he can be found camping and fishing with his family, traveling to a new destination, working on an endless supply of home improvement projects, or cheering on the Green Bay Packers.
Contact John A Dahir
Contact Nicci Clark
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
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
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
Are You Prepared for Tax Day?
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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
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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 The Omaha Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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.
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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
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, charitable giving, philanthropic planning and other legal matters.
9When 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.
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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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.
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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
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, charitable giving, philanthropic planning and other legal matters.
9When 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.
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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
