Mark A Bisbach, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(262) 523-8301(262) 523-8301
The Riverwood Wealth Management Group at Morgan Stanley
Mark A Bisbach, CFP®Sara PitcelJeffrey J Krause, CFP®, CPWA®Denison Kummrow, CPM®, CRPS®Kurt Maltby, CFP®, ChSNC®Daniel Krause
Direct:
(262) 523-8300(262) 523-8300
Toll-Free:
(800) 965-4967(800) 965-4967
Our Mission Statement
Helping our clients and their families define and achieve their unique goals, so they can focus on what matters to them most
Our Story
What kind of financial advice are you looking for? Certainly you want investment management strategies tailored to your unique situation and designed to help you protect and grow your wealth. But wouldn't it also be helpful to have access to the wide variety of services you may need over time - from college funding to retirement planning to business succession to estate matters, or anything else life brings your way? At The Riverwood Wealth Management Group, this is just what you can expect. Our disciplined investment management process is paired with comprehensive financial planning services, allowing us to customize a financial plan for you and your family. Whatever your question, challenge or requirement may be, we can provide the solutions you and your loved ones need for your future.
Our advisors have roots in wealth management that date back to 1978 and have over 155 years of combined financial markets knowledge and experience*. Given this history, its likely that our financial advisors have successfully managed a situation like yours before. We prefer the team structure because it allows us to concentrate in the areas we are most passionate about. When our team works together, our combined skill sets and areas of interest give you access to our broad range of knowledge, enhancing our ability to help prepare you for your financial future.
Our advisors have roots in wealth management that date back to 1978 and have over 155 years of combined financial markets knowledge and experience*. Given this history, its likely that our financial advisors have successfully managed a situation like yours before. We prefer the team structure because it allows us to concentrate in the areas we are most passionate about. When our team works together, our combined skill sets and areas of interest give you access to our broad range of knowledge, enhancing our ability to help prepare you for your financial future.
*Our Experience
- Mark Bisbach – 29 years
- Sara Pitcel - 25 years
- Jeff Krause – 17 years
- Kurt Maltby – 19 years
- Denison Kummrow – 20 years
- Daniel Krause - 46 years
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Digital Tools
Our goal is simple: “To be the firm where the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Data Security
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
-Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Data Security>-Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online Login>
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth View>
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital Vault>
eSign
Protecting personal information is a top priority at Morgan Stanley. Using eSign is safer for our clients than sending physical paperwork, and has anti-fraud and cybersecurity features to help protect our clients. eSign can help confirm our client’s identity with multifactor authentication and client data is afforded additional protection through encryption. eSign also has a temper-proof seal that allows documents to be protected against tempering once signed.
eSign>
eAuthorizations
eAuthorizations allow clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App. eAuthorization is convenient, secure, and easy to use. Clients can authorize any transaction with one click and manage their authorizations from anywhere using Morgan Stanley Online or Morgan Stanley Mobile. By using a secure logon, eAuthorizations are safely made through online and the mobile application. Once the branch receives the client’s request, inputs the transaction, the client approves the request, and the transaction is executed.
eAuthorizations
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDeliveryCurrently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
CashPlus
CashPlus is a program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. This program provides clients with select benefits, savings, and enhanced services.
CashPlus>The Riverwood Wealth Management Group
Mark Bisbach & Sara Pitcel recognized in Forbes Magazine as one of Wisconsin’s Best-In-State Wealth Advisors in 2024
2018 and 2020-2025
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Sara Pitcel recognized in Forbes Magazine list of Top Women Wealth Advisors Best-In-State 2024
2020-2025 Forbes America's Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded 2024 and 2020-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Source: Forbes.com (Awarded 2024 and 2020-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Jeff Krause recognized in Forbes Magazine's list of Top Next-Gen Wealth Advisors 2023
2023, 2022, 2018 & 2017
2023, 2022, 2019, 2018, 2017 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2023, 2022, 2019, 2018, 2017). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
2023, 2022, 2019, 2018, 2017 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2023, 2022, 2019, 2018, 2017). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Sara Pitcel named to WorkingMother.com's list of Top Wealth Advisor Mom 2021
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was given.
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was given.
Sara Pitcel inducted into the 2018 MAKERS Class at Morgan Stanley
MAKERS is a program designed to recognize the achievements of outstanding women professionals at the Firm.
Forbes Best-In-State Wealth Management Teams
2023, 2024 and 2025
2023, 2024 and 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023- 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2023, 2024 and 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023- 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Location
20975 Swenson Drive
Suite 300
Waukesha, WI 53186
US
Direct:
(262) 523-8300(262) 523-8300
Toll-Free:
(800) 965-4967(800) 965-4967
Meet The Riverwood Wealth Management Group
Sara Pitcel
Executive Director, Financial Advisor, Family Wealth Director, Insurance Planning Director
Phone:
(262) 523-8302(262) 523-8302
Jeffrey J Krause, CFP®, CPWA®
Senior Vice President, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(262) 523-8326(262) 523-8326
Phone:
(262) 523-8324(262) 523-8324
Phone:
(262) 523-8303(262) 523-8303
Daniel Krause
Executive Director, Financial Advisor
Phone:
(262) 523-8347(262) 523-8347
Deborah Lammers
First Vice President, Group Director
Phone:
(262) 523-8340(262) 523-8340
Lisa Di Piazza
Assistant Vice President, Wealth Management Associate
Phone:
(262) 523-8308(262) 523-8308
Maria Gans
Senior Client Service Associate
Phone:
(262) 523-8317(262) 523-8317
About Mark A Bisbach
Mark, a 2024 member of Morgan Stanley's Masters Club, began his career as a Financial Advisor in 1995. In addition to being an Advisor to his clients, he was involved in Branch Management for 12 years, and spent his entire career in the industry at the same Firm. Within The Riverwood Wealth Management Group at Morgan Stanley's team structure, Mark is responsible for asset allocation, individual security selection and comprehensive portfolio management for his clients. He also develops the economic and capital market views for the team. He was promoted to Senior Portfolio Management Director in 2015, the highest internal designation given to Portfolio Managers at Morgan Stanley.
Mark was a client of the Firm before he became an Advisor. Over time he gradually became more and more interested in the markets, how they work, and looking for discrepancies between price and value. Finally, his advisor helped him get into the business.
Born in Texas, Mark's father was in the Army, so they moved several times before settling in Wisconsin. He earned a Bachelor of Science in Industrial Technology from the University of Wisconsin Platteville with minors in Business and Sales Training.
Mark and his wife, Gail, live in Jefferson, WI. They have a son, Ben, and two daughters, Emily and Celia and one grandchild, Wylie. In his free time, he enjoys woodworking, golf, spending time with his family, and looking for value in the markets.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Mark was a client of the Firm before he became an Advisor. Over time he gradually became more and more interested in the markets, how they work, and looking for discrepancies between price and value. Finally, his advisor helped him get into the business.
Born in Texas, Mark's father was in the Army, so they moved several times before settling in Wisconsin. He earned a Bachelor of Science in Industrial Technology from the University of Wisconsin Platteville with minors in Business and Sales Training.
Mark and his wife, Gail, live in Jefferson, WI. They have a son, Ben, and two daughters, Emily and Celia and one grandchild, Wylie. In his free time, he enjoys woodworking, golf, spending time with his family, and looking for value in the markets.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: OK, CA, TX, IN, WI, SC, NH, NE, DE, WA, IA, WY, OH, GA, FL, MD, KS, DC, AL, OR, NJ, NC, MT, IL, CO, AZ, VT, VA, UT, TN, PA, NV, NM, MS, ME, KY, HI, CT, ID, RI, MN, MA, SD, NY, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262355
NMLS#: 1262355
About Sara Pitcel
Sara began her career at Morgan Stanley in 1999. In 2010 she joined The Riverwood Wealth Management Group and focuses most of her time on working directly with clients on areas of their lives outside of the capital markets. In 2015 Sara acquired Morgan Stanley’s Family Wealth Director Designation, recognizing her experience in advanced financial planning areas such as business succession planning, estate and legacy strategies, tax minimization, family governance and dynamics and creditor protection. This designation is currently held by less than 3% of the over 16,000 Financial Advisors at the Firm.
In 2018, Sara was a part of the 5th annual MAKERS @ Morgan Stanley award, an honor given to the most influential female leaders at the Firm. The women who are deemed MAKERS have made a positive impact on the lives of their families, colleagues and clients. Sara has also been named to Working Mother’s Top Wealth Advisor Moms, Forbes’ Top Women Wealth Advisors and Forbes’ Best in State Wealth Advisors and her team is included in Forbes’ Top Wealth Management Teams.
Sara lives in the Village of Vernon with her husband Jon, and their three children, Tyler, Zachary and Gabriella.
When not in the office, Sara enjoys watching her children in their many sports activities, spending time outdoors and visiting our great national parks.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020-2022 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2020-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was given.
2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
In 2018, Sara was a part of the 5th annual MAKERS @ Morgan Stanley award, an honor given to the most influential female leaders at the Firm. The women who are deemed MAKERS have made a positive impact on the lives of their families, colleagues and clients. Sara has also been named to Working Mother’s Top Wealth Advisor Moms, Forbes’ Top Women Wealth Advisors and Forbes’ Best in State Wealth Advisors and her team is included in Forbes’ Top Wealth Management Teams.
Sara lives in the Village of Vernon with her husband Jon, and their three children, Tyler, Zachary and Gabriella.
When not in the office, Sara enjoys watching her children in their many sports activities, spending time outdoors and visiting our great national parks.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020-2022 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2020-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was given.
2023 and 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: NC, DC, AZ, MT, KY, IA, TX, NE, ME, HI, WI, VT, UT, NV, FL, DE, MD, AL, TN, SD, NM, MI, IN, WY, WA, OR, CA, SC, NY, NH, MS, MA, VA, PA, MN, KS, GA, CT, ID, RI, OK, NJ, IL, CO, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290442
NMLS#: 1290442
About Jeffrey J Krause
Jeff, and the rest of the advisors at The Riverwood Wealth Management Group at Morgan Stanley, strive to help our clients, who are family offices, business owners, executives and affluent investors, define their objectives, develop comprehensive plans in the areas of investment management, advanced legacy planning, tax management, strategic giving and liability protection to help achieve those goals. Jeff delivers the intellectual capital of our local team of advisors and the global resources of the premier business in wealth management, Morgan Stanley, to execute those strategies. We do our best work helping a family through a complex situation with significant tax implications such as the sale of a business, the sale of a commercial real estate investment or implementing a multifaceted trust, tax and philanthropic plan to work towards achieving legacy goals with the help of the family’s accountants, attorneys and other financial professionals. For the past 19 years, Jeff has worked in wealth management at Morgan Stanley and its predecessor Firms. He earned his Bachelor of Science in Business Administration with a Major in Finance from the University of Dayton in 2007. In 2013, he achieved the CERTIFIED FINANCIAL PLANNER™ (CFP®) Designation by completing education, examination, experience and ethics requirements set forth by the CFP BOARD. In 2017, he achieved the Certified Private Wealth Advisor Designation after completing virtual coursework, in class sessions at the UCLA Anderson School of Management and passing a final examination. In 2022 he was promoted to Senior Vice President, Alternative Investment Director and Family Wealth Director. Married for 11 years, Jeff and his wife Carissa have three beautiful children, Addison, Sawyer and Everett and reside in Brookfield, WI. He believes it is important to give back to the community and organizations that have been instrumental to him and his family in the past. Jeff currently sits on the board of directors at Catholic Memorial High School. He and Carissa volunteer their time and effort in many different ways for Children's - Wisconsin. They organize an annual bowling event called Bowl for the Kids, volunteer on the committee that organizes Tee Up Fore the Kids the annual Children's Wisconsin Golf Outing and participate in the Miracle Marathon. Jeff also volunteers his time with Folds of Honor, an organization that provides life-changing scholarships to the families of America’s fallen or disabled military and first responders.
Securities Agent: HI, WI, TN, SD, MN, DC, AZ, RI, OK, NC, MS, IL, TX, OR, NJ, IN, CT, NE, ME, KY, IA, AL, SC, KS, VT, OH, NM, NH, MD, GA, UT, NV, DE, CO, VA, PA, NY, MT, FL, CA, ID, WY, MI, MA, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288168
NMLS#: 1288168
About Denison Kummrow
Denison began his wealth management career in 2001 at A.G. Edwards & Sons, he moved to Morgan Stanley in 2007 with the focus of enhancing his practice for his clients. He joined The Riverwood Wealth Management Group in 2017. His responsibilities are to support all aspects of the portfolio management piece of the team. By doing thorough research he can provide in-depth analysis and reporting to the team from which we formulate our investment decisions.
In November of 2018, Denison attained the Certified Portfolio Manager (CPM®) designation. The CPM® Program advanced his knowledge in three vital areas: Valuation Analysis, Portfolio Construction, and Risk Management. His commitment is to help our clients stay calm through the turbulent times by helping them understand the short-term causes while maintaining focus on their long-term goals.
Denison is a graduate of the University of Wisconsin with a Bachelor of Science degree in Economics and Political Science. He is a lifelong resident of Wisconsin and currently lives in the Oconomowoc area with his wife Kim and two sons, Noah, and Brady. When away from the office he enjoys fishing, reading, traveling. hiking, and watching his sons' numerous athletic events.
In November of 2018, Denison attained the Certified Portfolio Manager (CPM®) designation. The CPM® Program advanced his knowledge in three vital areas: Valuation Analysis, Portfolio Construction, and Risk Management. His commitment is to help our clients stay calm through the turbulent times by helping them understand the short-term causes while maintaining focus on their long-term goals.
Denison is a graduate of the University of Wisconsin with a Bachelor of Science degree in Economics and Political Science. He is a lifelong resident of Wisconsin and currently lives in the Oconomowoc area with his wife Kim and two sons, Noah, and Brady. When away from the office he enjoys fishing, reading, traveling. hiking, and watching his sons' numerous athletic events.
Securities Agent: WA, HI, TX, MI, ME, IL, CT, PA, OR, OH, WY, UT, TN, NV, KY, DC, AL, VT, NJ, NC, MT, MS, MD, MA, IN, SD, NE, GA, DE, VA, IA, SC, AZ, ID, WI, RI, NY, KS, FL, CO, CA, OK, NM, NH, MN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1295559
NMLS#: 1295559
About Kurt Maltby
Kurt's professional career started in Arizona as an Actuarial Analyst. A desire to have more personal interactions with families led him to change professions and become a CERTIFIED FINANCIAL PLANNING PROFESSIONAL®. He later took his professional designations a step further and earned the Chartered Special Needs Consultant. This goal was driven by a personal desire to make a real difference in the lives of people with disabilities or special needs. Kurt joined Morgan Stanley in 2016 and soon thereafter joined The Riverwood Wealth Management Group. His role on the team is creating retirement plans, distribution strategy analysis, impact investing and special needs planning.
Kurt is very involved in the community coaching baseball, basketball, and girl’s high school volleyball, advocate for people with disabilities, leading Bible studies, mentoring youth and serves on several ministries offered through his local parish, St. Charles, in Harland, WI. He currently sits on the Life Navigators Board of Directors.
Currently residing in the small Lake Country town of Merton, Kurt and his wife Jennifer have six children, Caden, Claire, Isaac, Lucas, Maximilian, and Lucy. His duties outside the office include downhill and water skiing, coaching baseball, fishing, golfing, cheering on the Packers, and gardening. On top of that, his time is mostly spent trying to be a good husband and father.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Kurt is very involved in the community coaching baseball, basketball, and girl’s high school volleyball, advocate for people with disabilities, leading Bible studies, mentoring youth and serves on several ministries offered through his local parish, St. Charles, in Harland, WI. He currently sits on the Life Navigators Board of Directors.
Currently residing in the small Lake Country town of Merton, Kurt and his wife Jennifer have six children, Caden, Claire, Isaac, Lucas, Maximilian, and Lucy. His duties outside the office include downhill and water skiing, coaching baseball, fishing, golfing, cheering on the Packers, and gardening. On top of that, his time is mostly spent trying to be a good husband and father.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Securities Agent: NM, AL, WY, VT, HI, ME, OR, OK, KS, IA, CT, CO, VA, NY, NE, MA, GA, DC, UT, SC, RI, PA, NJ, NH, IL, FL, CA, MS, DE, TX, SD, KY, WI, TN, OH, NV, MT, MD, ID, WA, NC, MN, MI, AZ, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1504808
NMLS#: 1504808
About Daniel Krause
Daniel Krause is a financial advisor with Morgan Stanley Wealth Management with 46 years of experience in the industry. Dan brings his years of experience to the Riverwood Wealth Management Group as an Executive Director.
At home Dan and his wife Joann enjoy time outdoors, fishing and spending time with their kids and three grandchildren.
At home Dan and his wife Joann enjoy time outdoors, fishing and spending time with their kids and three grandchildren.
Securities Agent: WA, AZ, TX, TN, SC, NH, MT, KS, KY, ID, HI, OR, NY, IN, IL, AL, NE, MS, FL, DC, CT, RI, PA, OK, OH, DE, NJ, MN, MI, MA, NV, UT, SD, NM, ME, WY, WI, VT, MD, IA, CO, CA, VA, NC, GA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2593226
NMLS#: 2593226
About Deborah Lammers
As the Group Director for The Riverwood Wealth Management Group, Deb is responsible for overseeing our administrative, operational and client service activities.
Clients will find her as a valuable resource in helping them in many ways including coordination with their accountants, navigating complex administrative issues and ensuring annual requirements are satisfied.
Deb joined the team in 2012 and looks forward to servicing our clients every day.
She graduated from UW-Stout and holds securities licenses (FINRA Series 7 and 66) as well as her insurance licenses in life, health and annuities.
She grew up in Minnesota but has resided in Waukesha for over 25 years with her husband, Garett. They have three girls, Abigail, Josie and Molly.
Clients will find her as a valuable resource in helping them in many ways including coordination with their accountants, navigating complex administrative issues and ensuring annual requirements are satisfied.
Deb joined the team in 2012 and looks forward to servicing our clients every day.
She graduated from UW-Stout and holds securities licenses (FINRA Series 7 and 66) as well as her insurance licenses in life, health and annuities.
She grew up in Minnesota but has resided in Waukesha for over 25 years with her husband, Garett. They have three girls, Abigail, Josie and Molly.
About Lisa Di Piazza
Lisa has 27 years’ experience in Financial Services, with the last 10 years in Wealth Management. As a Wealth Management Associate for the Riverwood Wealth Management Group, she holds her security licenses (FINRA Series 7 and 66) and also Insurance licenses (Life, Health & Annuity).
Her primary responsibility is helping our new families officially become clients of Morgan Stanley. Lisa organizes the administration of account opening, wire transfers, account transfers and linking external accounts for electronic funds transfers. She also helps with beneficiary updates and coordination, insurance analysis and college savings accounts.
Lisa resides in Waukesha and has two adult children, Tressa and Tony.
Her primary responsibility is helping our new families officially become clients of Morgan Stanley. Lisa organizes the administration of account opening, wire transfers, account transfers and linking external accounts for electronic funds transfers. She also helps with beneficiary updates and coordination, insurance analysis and college savings accounts.
Lisa resides in Waukesha and has two adult children, Tressa and Tony.
About Maria Gans
With over 11 years of experience here at Morgan Stanley I have assisted in my different areas of the firm before joining The Riverwood Wealth Management Group. As a Senior Client Service Associate on the team, I’m always happy to assist you with any money movement, password/online issues, bill pay questions or anything else you may need. Our goal is to always make the process as smooth as possible.
I currently reside in West Bend with my husband Eric and our two sons Geno and Vinny.
I currently reside in West Bend with my husband Eric and our two sons Geno and Vinny.
Contact Mark A Bisbach
Contact Sara Pitcel
Contact Jeffrey J Krause
Contact Denison Kummrow
Contact Kurt Maltby
Contact Daniel Krause
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
Elizabeth Menteur
Private Banker
Casey Friedman
Planning Associate
About Elizabeth Menteur
Elizabeth Menteur is a Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin.
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.
Elizabeth began her career in financial services in 2013 and joined Morgan Stanley in 2017 as a Registered Support Professional. She was promoted to a Regional Client Engagement Associate in 2019. Before being promoted to Private Banker in 2023, Elizabeth joined the Private Banking Group as an Associate Private Banker in 2021.
Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration with a concentration in Finance. She lives in Milwaukee, Wisconsin. Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys traveling, painting and gluten free baking.
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.
Elizabeth began her career in financial services in 2013 and joined Morgan Stanley in 2017 as a Registered Support Professional. She was promoted to a Regional Client Engagement Associate in 2019. Before being promoted to Private Banker in 2023, Elizabeth joined the Private Banking Group as an Associate Private Banker in 2021.
Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration with a concentration in Finance. She lives in Milwaukee, Wisconsin. Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys traveling, painting and gluten free baking.
NMLS#: 2329114
About Casey Friedman
Casey Friedman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Casey provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from University of Wisconsin-Madison and received the Financial Planning Specialist® designation from the College for Financial Planning. Casey is originally from Wayne, N.J. and currently resides in New York, N.Y.
She earned her undergraduate degree from University of Wisconsin-Madison and received the Financial Planning Specialist® designation from the College for Financial Planning. Casey is originally from Wayne, N.J. and currently resides in New York, N.Y.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
Wealth Management
From Our Team
News and Views - January 2026
This is a video content
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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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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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
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
Rational Investing in an Age of Uncertainty
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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 Riverwood Wealth Management Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley’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.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley’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.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
