Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Portfolio Management Director, Financial Planning Specialist
Phone:
(417) 885-1618(417) 885-1618
The Ozark Highlands Group at Morgan Stanley
Direct:
(417) 882-7150(417) 882-7150
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
Our Story
Excellence in Helping Executives Develop Personalized Investment and Financial Strategies.
With the demands of career, family and other responsibilities, the one commodity highly successful executives are increasingly short of is time. They realize that by working with trusted advisors to help them oversee the various moving parts of their finances, they are empowered to focus on the things they do best, and the people and causes they care about most.
For more than a combined 75 years, we have been working with executives and their families, providing thorough and unbiased guidance on a wide range of financial topics, including equity compensation and executive benefits. Our emphasis on financial education and my commitment to outstanding service enable us to take the mystery out of the markets and bring a disciplined, comprehensive approach to goals-based planning, tax-efficient strategies and smart money management.
As we begin to work together, you will see we focus on what is most important to you, delivering the required skills, integrated strategies and world-class resources needed to help you make informed decisions about your life, your family and your finances. Our priority is to help you bring clarity and focus on what matters most to you, so you can manage your assets more effectively and have more time to enjoy the wealth you are working so hard to create.
With the demands of career, family and other responsibilities, the one commodity highly successful executives are increasingly short of is time. They realize that by working with trusted advisors to help them oversee the various moving parts of their finances, they are empowered to focus on the things they do best, and the people and causes they care about most.
For more than a combined 75 years, we have been working with executives and their families, providing thorough and unbiased guidance on a wide range of financial topics, including equity compensation and executive benefits. Our emphasis on financial education and my commitment to outstanding service enable us to take the mystery out of the markets and bring a disciplined, comprehensive approach to goals-based planning, tax-efficient strategies and smart money management.
As we begin to work together, you will see we focus on what is most important to you, delivering the required skills, integrated strategies and world-class resources needed to help you make informed decisions about your life, your family and your finances. Our priority is to help you bring clarity and focus on what matters most to you, so you can manage your assets more effectively and have more time to enjoy the wealth you are working so hard to create.
Services Include
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Business Succession PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- Certificates of DepositFootnote5
- Corporate Retirement PlansFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Fixed IncomeFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Municipal BondsFootnote12
- Planning for Education FundingFootnote13
- Professional Portfolio ManagementFootnote14
- Retirement PlanningFootnote15
- Structured ProductsFootnote16
- Trust AccountsFootnote17
- Wealth ManagementFootnote18
- Wealth PlanningFootnote19
- UGMA/UTMAFootnote20
- 401(k) Rollovers
- 529 PlansFootnote21
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Journey Together
As your dedicated wealth management advisor, we will formulate and implement a personalized financial strategy that encompasses all facets of your financial wealth and health. Deploying a step-by-step process that keeps you informed, involved, and on-track is a priority.
Step 1: Discovery
We will get to know what you and your family value most when building the relationship. Regardless of your goals, we consider your entire financial and personal situation to carefully craft a financial strategy that best suits you and your loved ones.
Step 2: Forming Your Strategy
Using your life goals and personal circumstances as a blueprint, we will create a risk-balanced strategy that maps out a clear path to achieve your goals.
Step 3: Strategy Implementation
Coupled with Morgan Stanley's global suite of services, we will conduct careful research and analysis to ensure that you make calculated and versatile action in all market situations.
Step 4: Ongoing Review
Once your plan is implemented, the work has just begun. We consult with you regularly to monitor the performance of your strategy to ensure that you remain on-track towards your goals despite any changes in life or in the market.
SERVICES WE EXTEND TO OUR CLIENTS
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, The Ozark Highlands Group can help you achieve your financial goals.
Financial Planning
The Ozark Highlands Group takes care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances. We take a holistic approach to bring all the aspects of your financial life together. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving, and living.
Retirement Planning
The Ozark Highlands Group helps you identify the most appropriate ways to get the income you need and makes sure you are on track for your financial goals. Planning is paramount to a successful retirement. We bring an intense focus to this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamt of.
Trust & Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. Our team at The Ozark Highlands Group regularly reviews your finances with you. Moreover, we can coordinate with your estate attorney to help make sure that we meet your wishes in the most efficient and cost-effective way possible.
Tax Management Strategies
The tax decisions you make today can help you save for years to come. There are many tax-smart strategies for your financial plan. These strategies include: preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.
PARTNERING WITH MORGAN STANLEY
Partnering with the a premier wealth management firm has its potential perks. Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe and efficient. 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.
Morgan Stanley Online Perks
- View your account balance, activity, holdings and projected income
- Download account and tax documents, statements, and more
- Get a 360 view of your financial picture, assets, liabilities and net worth, all from your institutions
- Transfer funds and assets between accounts at Morgan Stanley and other institutions
- Scan and deposit checks from your mobile device and get some of the industry's highest deposit limits
- Send money with Zelle quickly and easily to friends and family
Media and Research
Morgan Stanley seeks to make complex financial ideas more digestible. We want our clients to understand our process and methodologies on their behalf, to plan for their financial future, and why. The links below provide in-depth analysis on current on the worlds of business and finance not only now, but in the future.
Thoughts On The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he discusses the latest trends in the financial marketplace.
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Morgan Stanley Market Trends
From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets.
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Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
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Morgan Stanley Personal Finance
Learn from our industry leaders about how to manage your wealth and help meet your personal financial goals.
Learn More HereLocation
1535 East Primrose St
Springfield, MO 65804
US
Direct:
(417) 882-7150(417) 882-7150
Meet The Ozark Highlands Group
Phone:
(417) 885-1635(417) 885-1635
Phone:
(417) 885-1602(417) 885-1602
Rebecca Yasinski
Senior Registered Associate, Portfolio Associate
Phone:
(417) 885-1603(417) 885-1603
Diana DeFord
Registered Associate
Phone:
(417) 885-1633(417) 885-1633
Virginia Kiss
Senior Registered Client Service Associate
Phone:
(417) 885-1638(417) 885-1638
About Douglas W Dugal
For more than 22 years in the financial services industry, Doug has worked with sophisticated and diverse investors. He is dedicated to building long lasting relationships based on trust and integrity.
His experience allows him to provide financial advice, research insights and integrated solutions to help meet a broad spectrum of his clients’ financial needs. Doug oversees client portfolios and investments, diving deeply into research and due diligence to analyze options for clients. He focuses on helping to maximize gains, minimize losses and producing risk-adjusted performance.
As a former small business owner himself, Doug focuses on maintaining and preserving the wealth his clients have grown throughout their years. Doug is particularly attuned to how constructing a plan for his clients’ financial journey can impact their overall goals, and pursued and received a Financial Planning Specialist Designation, to enhance his work with clients. Doug’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients earned him Morgan Stanley’s prestigious Century Club recognition for the 8th consecutive year. (2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022) And most recently has been awarded Masters Club (2023), an elite group composed of the Firm's top Financial. Advisors.
Forbes Best In State (2022 & 2023)
A graduate of Missouri State University, Doug completed his Bachelor of Science in Business Administration from Missouri State.
*Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
His experience allows him to provide financial advice, research insights and integrated solutions to help meet a broad spectrum of his clients’ financial needs. Doug oversees client portfolios and investments, diving deeply into research and due diligence to analyze options for clients. He focuses on helping to maximize gains, minimize losses and producing risk-adjusted performance.
As a former small business owner himself, Doug focuses on maintaining and preserving the wealth his clients have grown throughout their years. Doug is particularly attuned to how constructing a plan for his clients’ financial journey can impact their overall goals, and pursued and received a Financial Planning Specialist Designation, to enhance his work with clients. Doug’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients earned him Morgan Stanley’s prestigious Century Club recognition for the 8th consecutive year. (2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022) And most recently has been awarded Masters Club (2023), an elite group composed of the Firm's top Financial. Advisors.
Forbes Best In State (2022 & 2023)
A graduate of Missouri State University, Doug completed his Bachelor of Science in Business Administration from Missouri State.
*Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: MI, AR, NV, NE, MS, MO, ID, NJ, NY, AZ, MN, GA, FL, TN, SC, OK, VA, LA, IL, IA, AL, MA, IN, OH, NM, WA, TX, PA, NC, CO, CA, AK, UT, OR, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1401586
CA Insurance License #: 4241228
NMLS#: 1401586
CA Insurance License #: 4241228
About Michael Koechner
Mike is a native of Elkland, Missouri. He holds a Bachelor of Science in Agriculture Economics from Missouri State University. He has worked for over 35 years in the industry where he earned the Senior Vice President designation. Mike was one of four advisors that opened the first Morgan Stanley Springfield branch in 2001. He, his wife and 3 dogs live in the Springfield area. Mike recently earned a place in Morgan Stanley's Century Club for the second year in a row (2022,2023), an accolade that acknowledges the firms successful advisors
Securities Agent: MS, NY, HI, MD, ID, NV, PA, OK, OH, NE, MA, GA, WA, VA, NC, LA, AZ, AL, CO, IA, AR, NJ, UT, OR, FL, TX, SC, MN, IN, CA, TN, MO, MI, KS, NM, IL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1582736
CA Insurance License #: 4241237
NMLS#: 1582736
CA Insurance License #: 4241237
About Nathan Roetto
Nathan Roetto, CFP®,Financial Advisor, Portfolio Manageris a native of Springfield, Missouri. Nathan holds a Bachelor's of Science Degree in Financial Planning from Missouri State University with a focus on tax efficiency and estate planning strategies. Nathan began his career as a financial advisor with Edward Jones, where he spent 12 years helping families reach their financial goals. As a portfolio manager, Nathan continues to work directly with clients to develop personalized strategies centered solely on each of their individual needs. As a co-founder of the Ozarks Highlands Group, he places most of his focus on helping individuals and families prepare for retirement. He and his family live in the Republic, Missouri, area.
Securities Agent: ID, FL, OK, NM, LA, IA, CO, AL, HI, PA, NV, MD, AK, UT, TN, NC, KS, AZ, IL, AR, WA, OH, GA, CA, MN, VA, MI, IN, TX, OR, MS, MA, SC, NY, NJ, NE, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2081794
CA Insurance License #: 4241236
NMLS#: 2081794
CA Insurance License #: 4241236
About Rebecca Yasinski
Rebecca is a Portfolio Associate for the team and is responsible for many of the daily needs of our clients. She enjoys getting to know new clients during the onboarding process as well as deepening relationships with existing clients.
Rebecca began her career at Shearson Lehman Hutton, a Morgan Stanley predecessor firm, in St. Louis in 1988 and has been with our Springfield office since 1993. She holds Series 7, 63, 3, and 8 licenses. She was recognized for her leadership and experience by serving as a complex training coach and mentor for newly hired service professionals for several years.
In her free time, Rebecca enjoys serving on the women’s ministry leadership team at her church and spending time with her family, especially her granddaughter.
Rebecca began her career at Shearson Lehman Hutton, a Morgan Stanley predecessor firm, in St. Louis in 1988 and has been with our Springfield office since 1993. She holds Series 7, 63, 3, and 8 licenses. She was recognized for her leadership and experience by serving as a complex training coach and mentor for newly hired service professionals for several years.
In her free time, Rebecca enjoys serving on the women’s ministry leadership team at her church and spending time with her family, especially her granddaughter.
About Diana DeFord
Diana joined Morgan Stanley in 2019 and is a Registered Associate for the team. Her prior experience includes over 20 years as an office manager, personnel assistant and executive event coordinator at Assemblies of God World Missions. Diana is committed to serving clients through developing relationships and clear communication. Since joining the Springfield office, she has completed exam requirements and holds the Series 7 and 66 licenses.
Diana and her husband, Stephen, enjoy traveling to a beach and making frequent trips to Texas, where their two adult children, Samuel and Tessa, their spouses and grandchildren reside.
Diana and her husband, Stephen, enjoy traveling to a beach and making frequent trips to Texas, where their two adult children, Samuel and Tessa, their spouses and grandchildren reside.
About Virginia Kiss
Virginia joins The Ozark Highlands Group with over 20 years of experience in the financial services industry. Virginia obtained her Series 7 and Series 66 in 2016 while working at Wells Fargo Advisors. Most recently, Virginia held the position of Senior Licensed Client Service Associate at Raymond James in Holland, Michigan, and she is a notary in Michigan. Virginia is relocating here to be closer to her 2 kids and grandkids who live in Springfield, MO.
Furthermore, Virginia and her husband, Charlie, have a blended family of 7 children. Charlie retired from the military. In Virginia's spare time, she enjoys outdoor activities with her family, such as hiking, camping, fishing, and traveling. She also enjoys reading, baking and spending time with her grandchildren!
Furthermore, Virginia and her husband, Charlie, have a blended family of 7 children. Charlie retired from the military. In Virginia's spare time, she enjoys outdoor activities with her family, such as hiking, camping, fishing, and traveling. She also enjoys reading, baking and spending time with her grandchildren!
Contact Douglas W Dugal
Contact Michael Koechner
Contact Nathan Roetto
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
Greg Cole
Private Banker
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in 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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
NMLS#: 801927
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
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Ozark Highlands 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.
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Investors 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
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 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Morgan 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.
15When 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Morgan 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.
18Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
19Morgan 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.
20Morgan 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.
21Investors 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.
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:
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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
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Investors 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
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 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Morgan 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.
15When 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Morgan 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.
18Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
19Morgan 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.
20Morgan 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.
21Investors 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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
