Chris Blanchfield, CFP®
Senior Vice President, Financial Advisor
Phone:
(916) 797-7714(916) 797-7714
The Sierra View Group at Morgan Stanley
Chris Blanchfield, CFP®Brian D Neunzig, CFP®, CIMA®Rebecca Stewart, CFP®, ChFC®, CRPC®Kimberly Sodervick
Direct:
(916) 788-9419(916) 788-9419
Toll-Free:
(877) 229-5922(877) 229-5922
Our Mission Statement
Utilizing our wealth of experience, intellectual capital, and personalized service, we are dedicated to empowering you to achieve your life's financial aspirations.
The Sierra View Group - Welcome
Managing your wealth is a considerable responsibility— especially because the stakes are high for your family and your future. Sometimes the demands of this task can make it difficult to concentrate on what matters most to you: pursuing personal and family aspirations, exploring new opportunities, and living the life you have always envisioned. And when families reach a certain level of wealth and complexity, traditional advisory services may no longer be sufficient.
At The Sierra View Group, our focus is on helping families manage the full spectrum of their financial affairs through comprehensive multi-generational solutions and industry-leading resources from Morgan Stanley. Money management, retirement planning, estate planning, insurance, taxes, business planning succession strategies - we will bring together all of these elements into a cohesive and integrated financial plan that will help you enhance and preserve your wealth while enjoying the lifestyle it affords.
We are a relationship-based financial planning team offering advice, effective implementation and superior service. We have a focus on building long- term relationships founded on mutual trust and respect. We will work with you to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals and a full spectrum of investment choices.
At The Sierra View Group, our focus is on helping families manage the full spectrum of their financial affairs through comprehensive multi-generational solutions and industry-leading resources from Morgan Stanley. Money management, retirement planning, estate planning, insurance, taxes, business planning succession strategies - we will bring together all of these elements into a cohesive and integrated financial plan that will help you enhance and preserve your wealth while enjoying the lifestyle it affords.
We are a relationship-based financial planning team offering advice, effective implementation and superior service. We have a focus on building long- term relationships founded on mutual trust and respect. We will work with you to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals and a full spectrum of investment choices.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating Your Plan
To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressuring financial concerns and your long-term aspirations.
These four steps were developed to achieve that goal:
These four steps were developed to achieve that goal:
Setting your financial objectives
Through a process of discovery and discussion, we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between your goals, and develop sound strategies to help smooth the path.
Creating your strategy
Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio.
Implementing your strategy
After discussing and refining your strategy, we will work closely with you to bring the elements to life. Planning is a vital part of our process. Using tools to actively monitor your plans progress, making sure you are on track to meet your financial goals and objectives. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track
Reviewing objectives and performance
We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to stay aware of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
Certifications & Designations
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Brian, Chris, and Rebecca all maintain their CERTIFIED FINANCIAL PLANNER™ certification. CERTIFIED FINANCIAL PLANNER™ is a formal license that recognizes expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement. CFP® professionals are held to a strict ethical standard.
Certified Investment Management Analyst® (CIMA®)
Brian maintains his CIMA® certification, which is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification stands out among other financial certifications for its effective emphasis on the combination of theory and practical application
Chartered Financial Consultant (ChFC®)
Rebecca maintains her ChFC certification, The ChFC program prepares professionals to meet the advanced financial needs of individuals, families and small-business owners. ChFCs can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals.
Chartered Retirement Planning Counselor (CRPC®)
Rebecca maintains her CRPC® designation, which is a graduate-level designation program for experienced financial advisors who wish to offer more comprehensive retirement advice to individual clients. This program helps to define a “road map to retirement,” enabling financial advisors to focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning.
Personalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Retirement Planning Myth vs Fact
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Learn More on Portfolio Risk Management
Growing Older
Given extended life expectancy, how do I make certain I can afford the health services I may need?
Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Are you prepared?
Your Guide to Tax Efficient Planning
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
4 Key QuestionsModern Wealth Management Tools
Our industry is perpetually evolving. We strive to stay ahead of the curve. Below are some of the resources we utilize every day to offer you the best possible level of service.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. A few of them include...
1. Approve wire transfers online after you enroll in eAuthorization.
2. See your total net worth (including assets and liabilities) in one place when you add external accounts.
3. Send Money with Zelle®
4. Managing your everyday finances such as paying bills online, sending money or transferring funds.
Morgan Stanley Online (MSO)1. Approve wire transfers online after you enroll in eAuthorization.
2. See your total net worth (including assets and liabilities) in one place when you add external accounts.
3. Send Money with Zelle®
4. Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
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.
Aggregate Your AssetsThe 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.
E-Delivery
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send or receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More and Enroll in E-Delivery
Digital Vault
The Digital Vault is a document delivery, storage and collaboration space for Morgan Stanley clients and Financial Advisor teams.
Clients have integrated access to the Digital Vault through the Morgan Stanley Online portal and the Morgan Stanley mobile app. Financial Advisor teams can access and review their clients’ Digital Vault content seamlessly.
Benefits include easy document sharing between clients and FA teams, secure repository to store important client documents, fully integrated into existing client and FA platforms, more efficient exchange of information
encryption, virus scans and multi-factor authentication for security.
Check Out the Digital VaultClients have integrated access to the Digital Vault through the Morgan Stanley Online portal and the Morgan Stanley mobile app. Financial Advisor teams can access and review their clients’ Digital Vault content seamlessly.
Benefits include easy document sharing between clients and FA teams, secure repository to store important client documents, fully integrated into existing client and FA platforms, more efficient exchange of information
encryption, virus scans and multi-factor authentication for security.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn MoreLocation
1478 Stone Point Dr
Suite 500
Roseville, CA 95661
US
Direct:
(916) 788-9419(916) 788-9419
Toll-Free:
(877) 229-5922(877) 229-5922
Meet The Sierra View Group
Brian D Neunzig, CFP®, CIMA®
First Vice President, Financial Advisor, Family Wealth Advisor
Phone:
(916) 797-7754(916) 797-7754
Kimberly Sodervick
Portfolio Associate
Phone:
(916) 797-7725(916) 797-7725
About Chris Blanchfield
Chris started at Morgan Stanley in 1995. A year later he joined a team and he has worked with those clients continuously to this day. As a Certified Financial Planner™, Chris works with a select clientele of high net worth families to develop a plan that lays out a clear path to your goals - a plan developed in collaboration with you, and one that you can follow with confidence in the face of the markets' ups and downs.
Chris earned his Master of Science in Financial Services from The American University in 2014. He Graduated from California State University – Fresno in 1990 with a Bachelor of Science in Electrical Engineering.
Chris and his wife Dawn, an artist, have two children and a rescue dog. He enjoys spending family time camping on the coast and hiking in the Sierra’s. They also visit family in Santa Cruz where Chris surfs and stand-up paddle boards. When at home, Chris divides his time between chauffeuring his youngest to her various activities, walking the dog, and practicing Vinyasa yoga. Chris is a PADI certified Rescue scuba diver and also free dives for abalone with the Dolphin Divers of Sacramento Dive Club of which he is a member and a past Vice President.
Chris earned his Master of Science in Financial Services from The American University in 2014. He Graduated from California State University – Fresno in 1990 with a Bachelor of Science in Electrical Engineering.
Chris and his wife Dawn, an artist, have two children and a rescue dog. He enjoys spending family time camping on the coast and hiking in the Sierra’s. They also visit family in Santa Cruz where Chris surfs and stand-up paddle boards. When at home, Chris divides his time between chauffeuring his youngest to her various activities, walking the dog, and practicing Vinyasa yoga. Chris is a PADI certified Rescue scuba diver and also free dives for abalone with the Dolphin Divers of Sacramento Dive Club of which he is a member and a past Vice President.
Securities Agent: FL, CA, TX, DE, AL, OH, PA, ND, WA, OR, MO, MD, NY, NC, MS, IA, UT, MT, GA, MA, AZ, VA, SD, OK, ID, CO, WY, NV, IN, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1456516
CA Insurance License #: 0B61184
NMLS#: 1456516
CA Insurance License #: 0B61184
About Brian D Neunzig
Brian has been in the financial services industry for 30 years. He began his career with Merrill Lynch. When an opportunity in banking and investments came up, Brian took a position with Banc of America Investment Services (BAIS) a subsidiary of Bank of America to expand his industry knowledge. While with BAIS, Brian’s responsibilities included working with clients to coordinate banking and investments as well as financial planning. Brian also served as regional sales manager in Northern California while with BAIS. After 16 years at BAIS, Brian moved to Graystone Consulting, the institutional arm of Morgan Stanley. At Graystone, Brian worked with High Net Worth families and participated in the institutional investment process and management of assets. Following a relocation in 2018 from Santa Rosa, Ca to Roseville, Ca., Brian co-founded The Sierra View Group.
Brian is a graduate of UC Davis with a degree in Economics. In his career in financial services, he has attended Executive Education at Wharton School at the Univ. of PA, earned his CERTIFIED FINANICAL PLANNER™ (CFP®) designation from the Board of Standards, his Certified Investment Management Analyst™ (CIMA®) from the Investments and Wealth Institute, the Family Wealth Advisor from Morgan Stanley and completed the course work in the Certified Divorce Financial Advisor designation.
Following graduation from UC Davis, Brian accepted a commission in the United States Marine Corps. Brian completed officer training in leadership and ground infantry tactics before attending Naval Aviator Flight training. Brian earned his Naval Aviator designation and flew in support of his fellow Marines and the Fleet Marine Force domestically, throughout the Caribbean, the Mediterranean, and the Middle East. Brian is a proud combat veteran of Operation Desert Shield and Desert Storm.
Brian has been married for 37 years and has two adult children. Outside of work, Brian enjoys the outdoors and spending time with his family and friends.
Brian is a graduate of UC Davis with a degree in Economics. In his career in financial services, he has attended Executive Education at Wharton School at the Univ. of PA, earned his CERTIFIED FINANICAL PLANNER™ (CFP®) designation from the Board of Standards, his Certified Investment Management Analyst™ (CIMA®) from the Investments and Wealth Institute, the Family Wealth Advisor from Morgan Stanley and completed the course work in the Certified Divorce Financial Advisor designation.
Following graduation from UC Davis, Brian accepted a commission in the United States Marine Corps. Brian completed officer training in leadership and ground infantry tactics before attending Naval Aviator Flight training. Brian earned his Naval Aviator designation and flew in support of his fellow Marines and the Fleet Marine Force domestically, throughout the Caribbean, the Mediterranean, and the Middle East. Brian is a proud combat veteran of Operation Desert Shield and Desert Storm.
Brian has been married for 37 years and has two adult children. Outside of work, Brian enjoys the outdoors and spending time with his family and friends.
Securities Agent: CO, SD, PA, MS, FL, UT, OR, OK, OH, ID, IA, VA, TN, NV, MO, AZ, AL, WA, NC, WY, MT, IL, TX, NY, MA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 590685
NMLS#: 590685
About Me
Originally from the greater Sacramento area, Rebecca graduated with her bachelor’s degree in economics from the University of California, Santa Cruz. After receiving her degree, she began working as a financial advisor at Wells Fargo Advisors in Carmel, CA in 2017. With innate curiosity for continuous learning, she has received extensive education in financial planning through the CERTIFIED FINANICAL PLANNER™(CFP®), Chartered Financial Consultant®(ChFC®), and Chartered Retirement Planning Counselor™ (CRPC™) certifications. Currently, she serves as a board member as well as the Tax and Legislation Chair of the Sacramento Estate Planning Council.
In working together, Rebecca and her clients lay the foundation for success by crafting a comprehensive roadmap through a structured process tailored to her clients’ unique circumstances. She firmly believes that financial planning extends far beyond numbers and spreadsheets. It is about understanding her clients on a personal level, appreciating their dreams, and recognizing the significant life events that shape their financial landscape. Rebecca’s focus is to ensure that their financial plans adapt and evolve alongside all of life’s changes.
Having thoroughly evaluated all relevant factors, she then proceeds to develop personalized and innovative investment strategies to identify new opportunities for wealth preservation and growth with the ultimate goal to get her clients from where they are today, to where they would like to be.
In her free time, she enjoys cooking, traveling, hiking, yoga, paddle boarding, exercising, and spending time with friends and family. She has a large family with three brothers and one sister so, as you can imagine, there is rarely a dull moment at the family game night or afternoon barbeque.
Rebecca officially joined The Sierra View Group at Morgan Stanley in 2023. She is enthralled to be working alongside and collaborating with such a highly skilled and educated team, and to have the tools and resources available at Morgan Stanley to enable her to best serve her clients.
In working together, Rebecca and her clients lay the foundation for success by crafting a comprehensive roadmap through a structured process tailored to her clients’ unique circumstances. She firmly believes that financial planning extends far beyond numbers and spreadsheets. It is about understanding her clients on a personal level, appreciating their dreams, and recognizing the significant life events that shape their financial landscape. Rebecca’s focus is to ensure that their financial plans adapt and evolve alongside all of life’s changes.
Having thoroughly evaluated all relevant factors, she then proceeds to develop personalized and innovative investment strategies to identify new opportunities for wealth preservation and growth with the ultimate goal to get her clients from where they are today, to where they would like to be.
In her free time, she enjoys cooking, traveling, hiking, yoga, paddle boarding, exercising, and spending time with friends and family. She has a large family with three brothers and one sister so, as you can imagine, there is rarely a dull moment at the family game night or afternoon barbeque.
Rebecca officially joined The Sierra View Group at Morgan Stanley in 2023. She is enthralled to be working alongside and collaborating with such a highly skilled and educated team, and to have the tools and resources available at Morgan Stanley to enable her to best serve her clients.
Securities Agent: WY, IA, NY, NV, IL, MO, AZ, VA, UT, MT, CA, AL, WA, OH, MS, MA, CO, OR, FL, TX, MD, ID, SD, OK, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1517946
CA Insurance License #: 0L81747
NMLS#: 1517946
CA Insurance License #: 0L81747
About Kimberly Sodervick
Kim began her career in the financial services industry in San Francisco, CA where she thrived in the dynamic atmosphere and worked until 1998. Kim then dedicated her time to raising her sons before returning to the industry in 2008 and joined Morgan Stanley in 2011 as a Senior Registered Client Service associate.
In recognition of her 25 years of experience, Kim was promoted to the role of Portfolio Associate of The Sierra View Group in 2022. Holding registrations for Series 7 and Series 66, she focuses on delivering superior service and support tailored to each client’s unique needs. Additionally, Kim leads the team in operational support, cash management and trading assistance. Kim excels at working in tandem with the team to deliver a seamless client experience, building lasting relationships and making a positive impact in the financial lives of our clients and their families.
Outside of work, Kim finds fulfillment in her family life alongside her husband, Paul. She loved the opportunity to spend countless hours cheering from the bleachers as her sons participated in baseball and water polo. Her oldest son currently serves as a Black Hawk Pilot in the Army, while her youngest is set to begin flight school in the Idaho National Guard in 2024, aspiring to be a pilot. Completing their family are their golden retrievers, Posey and Gracie. During their leisure time, Kim indulges in cooking, reading, exploring outdoors, watching sports and cherishing moments with her loved ones.
In recognition of her 25 years of experience, Kim was promoted to the role of Portfolio Associate of The Sierra View Group in 2022. Holding registrations for Series 7 and Series 66, she focuses on delivering superior service and support tailored to each client’s unique needs. Additionally, Kim leads the team in operational support, cash management and trading assistance. Kim excels at working in tandem with the team to deliver a seamless client experience, building lasting relationships and making a positive impact in the financial lives of our clients and their families.
Outside of work, Kim finds fulfillment in her family life alongside her husband, Paul. She loved the opportunity to spend countless hours cheering from the bleachers as her sons participated in baseball and water polo. Her oldest son currently serves as a Black Hawk Pilot in the Army, while her youngest is set to begin flight school in the Idaho National Guard in 2024, aspiring to be a pilot. Completing their family are their golden retrievers, Posey and Gracie. During their leisure time, Kim indulges in cooking, reading, exploring outdoors, watching sports and cherishing moments with her loved ones.
Contact Chris Blanchfield
Contact Brian D Neunzig
Contact Rebecca Stewart
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
Sue Callantine
Private Banker
About Sue Callantine
Sue Callantine is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
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.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
NMLS#: 619891
Wealth Management
From Our Team
Tax-Smart Strategies for Your Retirement
Wealth Management
Global Investment Office
Portfolio Insights
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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 Sierra View Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative 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.
6Morgan 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative 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.
6Morgan 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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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.
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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
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Awards Disclosures
CRC 6491812 (04/2024)
