Thomas Shelly
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(248) 258-2706(248) 258-2706
The Shelly Rivard Group at Morgan Stanley
Industry Award WinnerOur Mission Statement
We are passionate about our clients and helping them achieve and maintain financial success
Our Story and Services
You have worked hard, spent wisely and saved well to accumulate your wealth. You may still be balancing the demands of work and the needs of your family. Or your family may have grown and you are preparing to retire, concerned about preserving your wealth, creating retirement income and structuring your finances to leave a legacy. Regardless of your stage in life, as your wealth has grown, the complexity and resources needed to manage it have also grown.
At the Shelly Rivard Group at Morgan Stanley, we help clients realize their financial goals. Using a highly personalized approach, together with our clients, we create financial plans and investment strategies tailored to each client’s short and long-term objectives. We look at the planning process holistically, reviewing all financial assets and obligations, because we know that successful wealth management includes more than just investments. As seasoned Financial Advisors, we are as focused on managing risk in clients’ portfolios as we are on growing their assets. With access to Morgan Stanley's renowned global resources and investment opportunities, we help clients develop and maintain an optimal investment strategy.
Our passion is helping people realize their dreams and developing lasting relationships. Our team approach provides you with concierge level service. And we are committed to working with you to help protect and build your wealth and realize your vision for your future.
At the Shelly Rivard Group at Morgan Stanley, we help clients realize their financial goals. Using a highly personalized approach, together with our clients, we create financial plans and investment strategies tailored to each client’s short and long-term objectives. We look at the planning process holistically, reviewing all financial assets and obligations, because we know that successful wealth management includes more than just investments. As seasoned Financial Advisors, we are as focused on managing risk in clients’ portfolios as we are on growing their assets. With access to Morgan Stanley's renowned global resources and investment opportunities, we help clients develop and maintain an optimal investment strategy.
Our passion is helping people realize their dreams and developing lasting relationships. Our team approach provides you with concierge level service. And we are committed to working with you to help protect and build your wealth and realize your vision for your future.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We are dedicated to building deep and lasting client relationships, based on trust and integrity. We do this by working with a select group of clients, which enable us to deliver concierge level service. We are able to dedicate the time, attention and focused service each client deserves. Our approach is proactive, transparent and consultative. We want to make sure you understand the why and how of every decision: why we have suggested the strategy and how we recommend to implement it.
Our 4-Step Process:
Our 4-Step Process:
Step 1
At our first meeting we discuss your goals, values, concerns, assets, liabilities and how you accumulated your wealth. We also discuss your risk tolerance, tax concerns and your short and long-term goals. Prior to the meeting we will send you some documents for you to complete to help guide the discussion. This meeting is also an opportunity for you to learn as much as you would like about our team.
Step 2
Based on what we learn, we develop and deliver your financial plan. It highlights the progress toward your goals, your current asset allocation and what we believe your allocation should be, based on your goals, objectives, and tolerance for risk. At this time, we feel you will have enough information to decide if you would like to engage our team to work with you.
Step 3
Upon transferring your assets to Morgan Stanley, we create your individualized investment proposal using the wealth of resources and extensive investment options available at Morgan Stanley.
Step 4
After implementation, we continually assess your plan and its performance, and meet with you regularly. Your plan is implemented with discipline, yet it is flexible to adapt to changes in your life and in the economic and tax environment.
Core Values
Our core values are the foundation of our practice. They are our personal beliefs and the team’s standards of conduct. We believe these core values are important to develop lasting relationships:
Passion for Helping People
At the heart of what we do, is our desire to help clients. We have chosen to be Financial Advisors because we are passionate about helping people; striving to make a profound impact on their lives now and in the years to come.
Transparency
We are fully transparent in our work with clients. We believe it is important that clients understand the recommended investments and how the investments are aligned with their long-term goals. We also clearly describe how we are compensated and what we are compensated for.
Live up to Commitments
We take our commitments seriously and place the utmost importance in delivering the concierge level service we pledge to our clients. Our goal is for every client feel like they are our only client.
Continuous Learning
We seek out additional educational opportunities to attain and maintain high levels of institutional knowledge in financial planning, retirement planning, estate planning and tax strategies to provide timely, informed guidance to clients.
Our Clients
We work with clients that want our help and who we feel we can have a good relationship with.
Our clients include individuals, families, and business owners. A large percentage of our clients are professionals who have saved well and recognize the importance of experienced wealth management. They are busy and look to us to help simplify their lives. Many clients are embarking on a new stage in their lives, such as retirement, and seek guidance on how to create lasting income throughout their retirement years while leaving a legacy for their children.
We are proud that we have a number of our clients' adult children as individual clients of The Shelly Rivard Group at Morgan Stanley.
Join us for an exciting journey into the world of finance and wealth education. At Morgan Stanley, we believe that knowledge is the key to unlocking future success, and we’re excited to share our thought leadership and experience with you! Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement and Charline Burgess, Senior Wealth Education Specialist, you will learn about financial concepts, investing, and money management in a fun and interactive way.
Introduction to Money & Saving: Building a Strong Financial Foundation:
Our first session was an introduction to personal finance with a focus on beginning to build a strong financial foundation. We discussed goal setting, cash flow, budgeting and saving strategies and the power of compounding interest. We have included the presentation that was used during this session and two videos related to this topic:
Watch the ReplayCredit and Debt Management
Our second session was aimed at empowering you with essential knowledge on credit and debt management so you can understand how to establish credit, understand credit history, demystify credit scores and navigate the world of lending in order to make informed decisions about your financial future.
Watch the ReplayCybersecurity
Our third session of this series will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. This session will cover practical strategies to stay safe in today’s digital landscape.
Watch the ReplayExploring Investments: Stocks, Bonds, and Beyond
Our fourth session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Watch the ReplayLocation
34901 Woodward Ave
Ste 300
Birmingham, MI 48009
US
Meet The Shelly Rivard Group
James (Jim) C. Rivard, CRPS®
Senior Vice President, Wealth Management, Financial Advisor, Corporate Retirement Director, Family Wealth Advisor
Phone:
(248) 988-2382(248) 988-2382
Patrick J. Rivard, CFP®, CRPC®, QPFC
Senior Vice President, Wealth Management, Financial Advisor, Corporate Retirement Director, Family Wealth Advisor, Senior Investment Management Consultant
Phone:
(248) 988-2383(248) 988-2383
Nancy Ingles
Financial Advisor, Financial Planning Specialist
Phone:
(248) 258-0520(248) 258-0520
Angie Ames
Portfolio Associate
Phone:
(248) 988-2391(248) 988-2391
Teresa Watson
Portfolio Associate
Phone:
(248) 258-0257(248) 258-0257
About Thomas Shelly
Having worked in the financial industry since 1984, I have experienced a whole host of varying market conditions. This experience has fueled my passion to guide my clients and their families in all aspects of their financial life towards future success. I enjoy staying current in all facets of an everchanging market and using that information to influence my conservative approach to financial planning.
On a more personal level, I pride myself on creating transparent relationships built on trust. It is my goal to help you manage the stress that comes with the financial planning process. Together we will work towards your future success so you can stay focused on what really matters to you. My team and I strive to work in your best interest at all times using empathy and care as a driving force.
In my personal time I enjoy playing tennis, traveling with my wife and daughters, and cracking open a couple of cold beers on a Friday after 5pm.. Cheers to you and your future success!
On a more personal level, I pride myself on creating transparent relationships built on trust. It is my goal to help you manage the stress that comes with the financial planning process. Together we will work towards your future success so you can stay focused on what really matters to you. My team and I strive to work in your best interest at all times using empathy and care as a driving force.
In my personal time I enjoy playing tennis, traveling with my wife and daughters, and cracking open a couple of cold beers on a Friday after 5pm.. Cheers to you and your future success!
Securities Agent: FL, IN, VA, CA, IA, PA, NY, TN, OH, NJ, MI, DC, AZ, NV, MN, IL, CO, TX, NM, MS, KY, CT, WA, MT, MD, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1463094
NMLS#: 1463094
About James (Jim) C. Rivard
Jim Rivard is a distinguished financial professional with extensive experience in accounting and finance. He graduated with a degree in Accounting from Michigan State University in 1995. Jim holds several esteemed financial credentials, including CPA, CRPS, and Corporate Retirement Director, highlighting his experience in the industry.
Originally from Birmingham, MI, Jim now resides in Bloomfield Hills, where he maintains strong community connections. He began his career in public accounting before joining Smith Barney in 1999. In 2007, Jim and the Rivard Group transitioned to Morgan Stanley, where he has continued to advance in his role.
Jim has been married to his high school sweetheart, Janet, since 1997, and they have three children: James, Lilly, and Henry. He is actively involved in his community, serving as the Head of the Investment Committee and a member of the Finance Committee for Angels’ Place, where he was previously a Board Member. Additionally, he serves as Treasurer on the Board of Pine Lake Country Club.
In his free time, Jim enjoys golfing, playing tennis, traveling, and spending time with their newly adopted puppy, Monty.
He is also a retired coach of various youth sports, including football, baseball, soccer, lacrosse, and basketball, demonstrating his commitment to youth development.
Originally from Birmingham, MI, Jim now resides in Bloomfield Hills, where he maintains strong community connections. He began his career in public accounting before joining Smith Barney in 1999. In 2007, Jim and the Rivard Group transitioned to Morgan Stanley, where he has continued to advance in his role.
Jim has been married to his high school sweetheart, Janet, since 1997, and they have three children: James, Lilly, and Henry. He is actively involved in his community, serving as the Head of the Investment Committee and a member of the Finance Committee for Angels’ Place, where he was previously a Board Member. Additionally, he serves as Treasurer on the Board of Pine Lake Country Club.
In his free time, Jim enjoys golfing, playing tennis, traveling, and spending time with their newly adopted puppy, Monty.
He is also a retired coach of various youth sports, including football, baseball, soccer, lacrosse, and basketball, demonstrating his commitment to youth development.
Securities Agent: MA, MN, TX, NY, CT, OK, NV, IA, DC, WI, ME, VA, OH, HI, AZ, MS, MI, KS, IL, NJ, KY, GA, TN, SC, PA, MD, CO, WA, NC, IN, FL, CA, NM, MT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1468424
CA Insurance License #: 0I04690
NMLS#: 1468424
CA Insurance License #: 0I04690
About Patrick J. Rivard
Patrick Rivard is a seasoned financial professional with a robust background in economics and business. He earned his Bachelor of Arts degree, majoring in Economics and Business, from Kalamazoo College in 2002. Patrick holds several prestigious financial distinctions, including his designations as a Certified Financial Planner® (CFP®), a Chartered Retirement Planning Counselor (CRPS®), and a Qualified Plan Financial Consultant.
Originally from Birmingham, Michigan, Patrick now resides in Bloomfield, Michigan. His career in the financial industry began immediately after college, where he gained valuable experience interning for Jim and another Smith Barney Financial Advisor during 2001 and 2002. In 2007, Patrick joined Morgan Stanley as a Financial Advisor, a role he has dedicatedly maintained since his start.
Patrick has been married to his wife, Meghan, for 21 years. Together, they have three children: Finn, aged 18, Shae, aged 16, and Declan, aged 13. The family also includes two beloved dogs, Buster and Lucky.
In addition to his professional commitments, Patrick is actively involved in his community. He previously served on the St. Regis Catholic Parish Finance Council from 2018 to 2025 and currently serves on the Birmingham Country Club Board of Directors since 2023. In his leisure time, Patrick enjoys spending quality moments with family and friends, playing golf, and has recently taken up pickleball.
Patrick finds the greatest joy in his work through the relationships he builds with colleagues and clients, emphasizing that the best part of his job is the people he works with.
Originally from Birmingham, Michigan, Patrick now resides in Bloomfield, Michigan. His career in the financial industry began immediately after college, where he gained valuable experience interning for Jim and another Smith Barney Financial Advisor during 2001 and 2002. In 2007, Patrick joined Morgan Stanley as a Financial Advisor, a role he has dedicatedly maintained since his start.
Patrick has been married to his wife, Meghan, for 21 years. Together, they have three children: Finn, aged 18, Shae, aged 16, and Declan, aged 13. The family also includes two beloved dogs, Buster and Lucky.
In addition to his professional commitments, Patrick is actively involved in his community. He previously served on the St. Regis Catholic Parish Finance Council from 2018 to 2025 and currently serves on the Birmingham Country Club Board of Directors since 2023. In his leisure time, Patrick enjoys spending quality moments with family and friends, playing golf, and has recently taken up pickleball.
Patrick finds the greatest joy in his work through the relationships he builds with colleagues and clients, emphasizing that the best part of his job is the people he works with.
Securities Agent: KS, DC, TN, NV, HI, FL, AZ, MI, MA, VA, NY, ME, MD, OK, NJ, NC, MT, CT, OH, IN, CA, SC, PA, IL, IA, GA, TX, KY, CO, NM, WI, WA, MS, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1454859
CA Insurance License #: 0I03883
NMLS#: 1454859
CA Insurance License #: 0I03883
About Nancy Ingles
Nancy, a dedicated Financial Advisor and Financial Planning Specialist at Morgan Stanley, brings a wealth of experience and a unique blend of talents to the team. A valedictorian graduate of Stevenson High School, Nancy pursued higher education at Mercy College in New York City, earning a Bachelor’s Degree in Organizational Management. She holds several key licenses, including Series 7, Series 66, and MI Variable and Life, Accident, & Health Producer, and is recognized as a Financial Planning Specialist.
Originally from Michigan, Nancy spent over a decade in New York City before returning to Michigan in 2012, now residing in the vibrant community of Grosse Pointe Park. Before joining Morgan Stanley, Nancy had a diverse career, including performing as Miss USO 2008, entertaining military personnel and their families, and participating in Broadway tours such as "Jesus Christ Superstar." She also served as the Regional Associate Director of Admissions at Mercy College, focusing on client service relations and data management.
Since joining Morgan Stanley, Nancy has progressed from a Registered Associate to a Financial Planning Analyst, and now excels as a Financial Advisor. She is passionate about building strong client relationships and is committed to helping clients achieve their financial goals through comprehensive financial planning.
Outside of work, Nancy is a devoted parent to her 9-year-old son, Archer, and a beloved cat, Fifi. She actively participates in local music venues and community theatre, sharing her love for singing and performing. As a vocal coach for children, Nancy continues to inspire the next generation of performers.
In her free time, Nancy enjoys skiing, traveling with family, and engaging with the vibrant community life. She also continues to record for Broadway projects and has performed in notable events such as the Channel 4 Ford Fireworks Event in 2022 and the Times Square Ball Drop from 2008 to 2010.
Nancy's sunny disposition, attention to detail, and commitment to exceptional client service make her an invaluable asset to the team. Her experiences in NYC, particularly performing for the military, have instilled a deep sense of gratitude and dedication to serving others.
Originally from Michigan, Nancy spent over a decade in New York City before returning to Michigan in 2012, now residing in the vibrant community of Grosse Pointe Park. Before joining Morgan Stanley, Nancy had a diverse career, including performing as Miss USO 2008, entertaining military personnel and their families, and participating in Broadway tours such as "Jesus Christ Superstar." She also served as the Regional Associate Director of Admissions at Mercy College, focusing on client service relations and data management.
Since joining Morgan Stanley, Nancy has progressed from a Registered Associate to a Financial Planning Analyst, and now excels as a Financial Advisor. She is passionate about building strong client relationships and is committed to helping clients achieve their financial goals through comprehensive financial planning.
Outside of work, Nancy is a devoted parent to her 9-year-old son, Archer, and a beloved cat, Fifi. She actively participates in local music venues and community theatre, sharing her love for singing and performing. As a vocal coach for children, Nancy continues to inspire the next generation of performers.
In her free time, Nancy enjoys skiing, traveling with family, and engaging with the vibrant community life. She also continues to record for Broadway projects and has performed in notable events such as the Channel 4 Ford Fireworks Event in 2022 and the Times Square Ball Drop from 2008 to 2010.
Nancy's sunny disposition, attention to detail, and commitment to exceptional client service make her an invaluable asset to the team. Her experiences in NYC, particularly performing for the military, have instilled a deep sense of gratitude and dedication to serving others.
Securities Agent: MN, MD, IA, AZ, OH, IN, IL, DC, WA, NJ, MS, KY, CO, CA, VA, PA, NM, KS, NY, MT, FL, TN, NV, NC, MI, WY, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2739384
NMLS#: 2739384
About Angie Ames
Angie Ames has over 25 years of experience in the financial services industry. She has worked alongside Jim and Patrick Rivard since 2004. As a portfolio, Angie takes pride in being the first point of contact for the team and providing exceptional service. She is responsible for client administration and support including client onboarding, client requests and transactions, scheduling meetings and educating clients on all of the digital tools that Morgan Stanley offers.
Angie graduated from the University of Windsor in Ontario, Canada with a Bachelor of Commerce degree in Business Administration and is Series 7, 66 and 31 licensed.
Angie and her husband Matt have two children and as a family enjoy traveling, attending their kids sporting events as well as a variety of professional sporting events around the area.
Angie graduated from the University of Windsor in Ontario, Canada with a Bachelor of Commerce degree in Business Administration and is Series 7, 66 and 31 licensed.
Angie and her husband Matt have two children and as a family enjoy traveling, attending their kids sporting events as well as a variety of professional sporting events around the area.
About Teresa Watson
Terri has over 25 years of experience in the financial services industry. She started in retail banking in 1997, transitioned to the brokerage side of the industry in 2013 and landed at Morgan Stanley in 2017.
As a Portfolio Associate, Terri is responsible for managing the day-to-day operational needs of our clients. She processes account opening and maintenance, facilitates transfers, and provides guidance on Morgan Stanley’s menu of digital tools. Her favorite job perk is building relationships with clients and colleagues.
Terri earned an Associate’s Degree from Michigan Christian College in Rochester Michigan (now known as Rochester Christian University) and is Series 7, 63 and 65 licensed.
In her spare time, she enjoys spending time with friends and her dachshund Gidget.
As a Portfolio Associate, Terri is responsible for managing the day-to-day operational needs of our clients. She processes account opening and maintenance, facilitates transfers, and provides guidance on Morgan Stanley’s menu of digital tools. Her favorite job perk is building relationships with clients and colleagues.
Terri earned an Associate’s Degree from Michigan Christian College in Rochester Michigan (now known as Rochester Christian University) and is Series 7, 63 and 65 licensed.
In her spare time, she enjoys spending time with friends and her dachshund Gidget.
Contact Thomas Shelly
Contact James (Jim) C. Rivard
Contact Patrick J. Rivard
Contact Nancy Ingles
Awards and Recognition
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Forbes Best-In-State Wealth Management Teams
2023-2025 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.
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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
Kristopher Johnson
Private Banker
Sally A. Cholewka, CFP®
Financial Planning Director, Vice President
About Kristopher Johnson
Kristopher Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan and Ohio.
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.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
NMLS#: 630462
About Sally A. Cholewka
Sally A. Cholewka, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Michigan. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
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.
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.
Wealth Management
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Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
- Alternative Investments
- Impact Investing
To Manage Risks, You Have to See Them First
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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
How to Break the Ice Around Family Finances
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
SECURE 2.0: Retirement Plans
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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.
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Boosting Participation in Your Company's 401(k) Plan
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Ready to start a conversation? Contact The Shelly Rivard 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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)
