Mark J. Banholzer
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(435) 645-2775(435) 645-2775
The Prospector Group at Morgan Stanley
Direct:
(435) 645-2776(435) 645-2776
Toll-Free:
(800) 841-7664(800) 841-7664
Our Mission Statement
Our focus is to help you manage your wealth by providing sound advice you can trust
Welcome
For more than 23 years, the Prospector Group at Morgan Stanley has helped empower our clients to achieve their financial goals in today's dynamic global marketplace. We focus on building lasting relationships, understanding your financial life goals, and serving as dedicated professionals in critical decisions. Through our global wealth management group and select partnerships, we deliver customized wealth management strategies to families, corporations, entrepreneurs, and senior executives.
We take great pride in helping multiple generations of families living across the country that have been with us for several decades.
Getting from where you are today to where you want to be down the road requires many interconnected financial decisions — from investments to employer stock options, taxes to estate planning strategies. Complex financial situations require a more comprehensive planning approach – helping to maintain your momentum toward your goals.
Our team's exclusive focus has been helping clients make the transition from their primary career to a fulfilling and comfortable retirement. As your guide through this process, we will share more than three decades of knowledge and experience to help you maintain the income you need to support your retirement objectives, prepare for unexpected events, and give you confidence in your potential to reach your goals.
As you begin your retirement journey, we would be honored to be your guide through this rewarding and challenging period.
Named to the 2024 & 2025 Forbes Best-In-State Wealth Management Teams
- The Prospector Group was named to the 2024 & 2025 Forbes Best-In-State Wealth Management Teams. The list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams. Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24.
Services Include
- 401(k) Rollovers
- Asset Management
- Business Succession PlanningFootnote1
- Corporate Cash Management
- Corporate Retirement PlansFootnote2
- Executive Financial ServicesFootnote3
- Financial PlanningFootnote4
- Life InsuranceFootnote5
- Retirement PlanningFootnote6
- Sustainable InvestingFootnote7
- Wealth ManagementFootnote8
- Divorce Financial AnalysisFootnote9
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Our team is committed to:
- Providing exceptional service with objectivity, understanding, and concern.
- Creating generational relationships built on a foundation of trust and integrity.
- Helping our clients achieve their long term financial goals through holistic wealth planning.
Step 1: Introductory Meeting
Our journey together begins with an initial conversation focused on understanding you, your lifestyle, and your future aspirations.
Step 2: Discovery
We start each relationship with a comprehensive discovery process. This includes assessing your current financial position, reviewing risk management parameters, and identifying both your short and long-term needs.
Step 3: Financial Planning
Together, we will craft a comprehensive financial plan uniquely designed for you. By integrating your current assets, liabilities, and savings, we will build towards funding your future goals. Our commitment doesn't end there, we will regularly monitor and update your plan to keep you on track.
Step 4: Recommendations
Following our introductory, discovery, and financial planning meetings, we will be ready to present our recommendations in detail. This follow up may include adjustments to your current savings, future goals, investment allocation, employer benefits, insurance, trust/estate, and more.
Step 5: Implementation
A plan is only as good as its follow through. After collaboratively discussing the recommendations, we will work with you to take action and execute on our plan.
Step 6: Continuous Monitoring
Finally, we understand that plans, much like life, are constantly changing. That is why we will continuously monitor your progress towards the goals we've created together. You will receive a high level of personal attention and service throughout our relationship.
Financial Planning Questionnaire
The Morgan Stanley wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life — your investments and your cash management needs — making sure they align with your goals and wealth management plan.
We have access to a sophisticated suite of tools to help you implement the Morgan Stanley wealth management process designed to help you achieve your goals.
To begin your complementary Financial Planning Analysis, please click the link below to complete our Financial Planning Questionnaire.
We have access to a sophisticated suite of tools to help you implement the Morgan Stanley wealth management process designed to help you achieve your goals.
To begin your complementary Financial Planning Analysis, please click the link below to complete our Financial Planning Questionnaire.
2024 & 2025 Forbes Best-In-State Wealth Management Team
The Prospector Group was named to the 2024 & 2025 Forbes Best-In-State Wealth Management Teams. The list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Investor Resources
Our suite of cutting-edge tools is designed to enhance every step of your financial journey. Below, you will find a selection of the advanced technologies we offer our clients. These resources can assist you in simplifying complex financial analysis and research into clear, actionable insights.
GIC Weekly
Weekly commentary from Lisa Shalett highlighting the Global Investment Committee's latest thinking on the markets.
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Total Tax 365
Taxes act as a drag on your investment performance. They might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
2025 Federal Income Tax Tables
Our team has published the 2025 tax tables to assist you in filing your taxes this year.
The 5 Biggest Market Surprises of 2024
Discover how markets defied forecasts and shaped investor strategies.
Uncover 6 Ways to Reduce Your Tax Bill
Take a look at your Form 1040 to find potential opportunities to save money hidden between its lines.
The Platinum Card from American Express Exclusively for Morgan Stanley
The Platinum Card® from American Express Exclusively for Morgan Stanley Members who have a Platinum CashPlus account can receive a $695 Annual Engagement Bonus into their Platinum CashPlus account. Terms Apply.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Location
1441 W. Ute Blvd
Suite 180
Park City, UT 84098
US
Direct:
(435) 645-2776(435) 645-2776
Toll-Free:
(800) 841-7664(800) 841-7664
Meet The Prospector Group
Brian Kahn, CRPS®, QPFC
First Vice President, Wealth Management, Financial Advisor
Phone:
(435) 645-2776(435) 645-2776
Kevin Shields
Vice President, Wealth Management, Financial Advisor
Phone:
(435) 645-2774(435) 645-2774
Jeffrey Hansen
Financial Advisor
Phone:
(435) 645-2777(435) 645-2777
Patrick Hallady
Registered Client Service Associate
Phone:
(435) 645-2772(435) 645-2772
About Mark J. Banholzer
Experience
2002 – Present: Morgan Stanley*
Senior Vice President
Financial Advisor
Park City, UT
1998-2002: Town Bank
Assistant Vice President
Delafield, WI
Education
University of Wisconsin-Milwaukee, 2001, Master's in Business Administration
Santa Clara University - Leavey School of Business, 1993, Bachelor in Finance
Distinctions
2005 & 2006 Blue Chip Award - Smith Barney
2002 – Present: Morgan Stanley*
Senior Vice President
Financial Advisor
Park City, UT
1998-2002: Town Bank
Assistant Vice President
Delafield, WI
Education
University of Wisconsin-Milwaukee, 2001, Master's in Business Administration
Santa Clara University - Leavey School of Business, 1993, Bachelor in Finance
Distinctions
2005 & 2006 Blue Chip Award - Smith Barney
Securities Agent: SD, OK, NC, MA, IL, MD, GA, CT, WI, NY, NM, ID, TX, PA, OR, HI, DE, NV, AZ, VA, CO, UT, NH, CA, SC, MS, MN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1326711
CA Insurance License #: 0D97388
NMLS#: 1326711
CA Insurance License #: 0D97388
About Brian Kahn
Experience
2013 – Present: Morgan Stanley*
Vice President, Financial Advisor
Park City, UT
2009 – Present: Deer Valley Resort
Mountain Host and Hiking Guide
Park City, UT
2009 – 2013: Jupiter Peak Financial
Owner
Park City, UT
Education
University of Colorado-Boulder, 1998, Bachelor in Marketing and Tourism Management
2013 – Present: Morgan Stanley*
Vice President, Financial Advisor
Park City, UT
2009 – Present: Deer Valley Resort
Mountain Host and Hiking Guide
Park City, UT
2009 – 2013: Jupiter Peak Financial
Owner
Park City, UT
Education
University of Colorado-Boulder, 1998, Bachelor in Marketing and Tourism Management
Securities Agent: VA, CT, CO, IL, DE, CA, PA, OK, ID, AZ, NH, HI, WI, UT, TX, SD, SC, NY, MS, MN, GA, NM, MA, MD, FL, OR, MO, NV, NC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253089
CA Insurance License #: OJO5957
NMLS#: 1253089
CA Insurance License #: OJO5957
About Kevin Shields
Experience
2018 – Present: Morgan Stanley*
Financial Advisor
Park City, UT
2016 – 2018: Goldman Sachs
Analyst
Salt Lake City, UT
Education
University of Utah – David Eccles School of Business, 2015, Bachelor’s Degree, Finance, Magna Cum Laude
Distinctions
2022, 2023, 2024, and 2025 Pacesetter's Club
2018 – Present: Morgan Stanley*
Financial Advisor
Park City, UT
2016 – 2018: Goldman Sachs
Analyst
Salt Lake City, UT
Education
University of Utah – David Eccles School of Business, 2015, Bachelor’s Degree, Finance, Magna Cum Laude
Distinctions
2022, 2023, 2024, and 2025 Pacesetter's Club
Securities Agent: VA, SD, GA, ID, DC, AZ, OK, NH, NV, DE, CT, TX, MA, WY, MS, MD, OR, MN, IL, FL, CO, UT, SC, PA, NY, NC, WI, HI, CA, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1758113
NMLS#: 1758113
About Jeffrey Hansen
Experience
2022 – Present: Morgan Stanley
Financial Advisor
Park City, UT
2021 – 2022: Morgan Stanley
Estates and Inheritor Services
South Jordan, UT
2018 – 2021: Morgan Stanley
Asset Movement Team
South Jordan, UT
Education
Brigham Young University, 2023, Bachelor’s Degree, Business Management
Distinctions
2025 Pacesetter's Club
2022 – Present: Morgan Stanley
Financial Advisor
Park City, UT
2021 – 2022: Morgan Stanley
Estates and Inheritor Services
South Jordan, UT
2018 – 2021: Morgan Stanley
Asset Movement Team
South Jordan, UT
Education
Brigham Young University, 2023, Bachelor’s Degree, Business Management
Distinctions
2025 Pacesetter's Club
Securities Agent: IL, MA, DE, RI, OK, UT, TX, ID, FL, CO, SC, PA, NM, NC, LA, HI, CT, NY, DC, AZ, SD, OR, NV, KY, GA, MN, CA, WI, NH, MD, KS, VA, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2533772
NMLS#: 2533772
About Patrick Hallady
Experience
2024 – Present: Morgan Stanley
Registered Client Service Associate
Park City, UT
2022 – 2024: Morgan Stanley
Estates and Inheritor Services
South Jordan, UT
2022: Wells Fargo Advisors
Trade Service Representative
Salt Lake City, UT
Education
Auburn University
2009-2013
2024 – Present: Morgan Stanley
Registered Client Service Associate
Park City, UT
2022 – 2024: Morgan Stanley
Estates and Inheritor Services
South Jordan, UT
2022: Wells Fargo Advisors
Trade Service Representative
Salt Lake City, UT
Education
Auburn University
2009-2013
Contact Mark J. Banholzer
Contact Brian Kahn
Contact Kevin Shields
Contact Jeffrey Hansen
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
Scott Knudsen
Senior Private Banker
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Managing Director, Wealth Management, Financial Advisor, Corporate Cash Investment Director, Senior Portfolio Management Director, International Client Advisor
About Scott Knudsen
Scott Knudsen is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Colorado, Utah, and Wyoming.
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.
Scott began his career in financial services in 2001, and joined Morgan Stanley in 2006 as a High Net Worth Lending Advisor. Prior to joining the firm, he was a Credit Analyst at Merrill Lynch.
Scott is a graduate of the University of Utah, where he received a Bachelor of Science in Finance. He lives in Park City, Utah with his family. Outside of the office, enjoys hiking, mountain biking, skiing and camping.
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.
Scott began his career in financial services in 2001, and joined Morgan Stanley in 2006 as a High Net Worth Lending Advisor. Prior to joining the firm, he was a Credit Analyst at Merrill Lynch.
Scott is a graduate of the University of Utah, where he received a Bachelor of Science in Finance. He lives in Park City, Utah with his family. Outside of the office, enjoys hiking, mountain biking, skiing and camping.
NMLS#: 1006961
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Prospector Group today.
1Morgan 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
