Sheila A Volrath
Executive Director, Financial Advisor, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(563) 344-4311(563) 344-4311
The Volrath Castle Group at Morgan Stanley
Direct:
(563) 344-4300(563) 344-4300
Toll-Free:
(800) 553-1871(800) 553-1871
Our Mission Statement
People, Planning and Portfolios: Our Approach to the Wealth Management Process
Welcome
Our entire team shares a common goal: to help you pursue your personal goals.
Whether that’s helping you retire at the age you want, with the ability to live the retirement lifestyle you’ve dreamt of; Funding your children and grandchildren’s' educations; Helping to ensure that your money lasts in retirement; planning for your potential health care costs; or managing transfer of wealth to the next generation.
Our mission is to understand you and your priorities. To take the time, to ask hard, thought-provoking questions and to listen carefully in order to understand, exactly where your wealth stands today and where you'd like it to be tomorrow. We have been entrusted by clients with something more valuable than their investable assets, we have been entrusted with their futures.
Understanding the client allows us to create a custom financial plan and investment strategy; this holistic approach allows us to help clients face the issues of today and stay on track for tomorrow.
Whether that’s helping you retire at the age you want, with the ability to live the retirement lifestyle you’ve dreamt of; Funding your children and grandchildren’s' educations; Helping to ensure that your money lasts in retirement; planning for your potential health care costs; or managing transfer of wealth to the next generation.
Our mission is to understand you and your priorities. To take the time, to ask hard, thought-provoking questions and to listen carefully in order to understand, exactly where your wealth stands today and where you'd like it to be tomorrow. We have been entrusted by clients with something more valuable than their investable assets, we have been entrusted with their futures.
Understanding the client allows us to create a custom financial plan and investment strategy; this holistic approach allows us to help clients face the issues of today and stay on track for tomorrow.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning for Every Stage of Life
The Volrath Castle Group believes financial wellbeing begins with having a Financial Plan. Your stage in life will determine the type of planning need and questions you have. Do you have a plan in place?
Wealth Building
Typically, our clients under 55, these are your prime working years. In this life stage, you'll make a majority of your lifetime consumer purchases, while also making crucial financial decisions that will impact the rest of your life. Questions to ask yourself regarding wealth building are:
1. Am I saving enough to retire
when I want?
2. Should I be saving for my
children's education? How?
3. Am I taking full advantage of
my employer benefits?
1. Am I saving enough to retire
when I want?
2. Should I be saving for my
children's education? How?
3. Am I taking full advantage of
my employer benefits?
Retirement Planning
Most often our clients between 55 and 75, this includes a few years leading up to retirement and the first several years of retirement. While the heavy lifting is done during your Wealth Building years, a customized financial strategy is crucial in this stage for a
successful retirement.
1. What's my retirement income
plan?
2. When should I start taking
Social Security?
3. What happens if I need long
term care down the road?
successful retirement.
1. What's my retirement income
plan?
2. When should I start taking
Social Security?
3. What happens if I need long
term care down the road?
Legacy Planning
After enjoying retirement for several years, our clients, typically those over 75, begin contemplating different goals. Instead of focusing on wealth building and distribution, the focus shifts to how they want
to leave their legacy.
1. Should I start gifting from my
estate now?
2. When I pass, will my financial
wishes be carried out?
3. What will happen to my
spouse when I pass away?
If you find yourself struggling to answer these questions, feel free to reach out to us via the Contact Us button at the top of our website.
to leave their legacy.
1. Should I start gifting from my
estate now?
2. When I pass, will my financial
wishes be carried out?
3. What will happen to my
spouse when I pass away?
If you find yourself struggling to answer these questions, feel free to reach out to us via the Contact Us button at the top of our website.
How We Manage Your Money
There comes a point when managing one's assets turns into a full time job. As your life evolves and grows more complex, your financial strategy-and the options for implementing that strategy- tends to grow in complexity as well.
Frequently, evaluating those options and choosing wisely among them may require more experience and attention than you have to give. In such circumstances, it makes sense to partner with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
That's where we come in! Our advisors will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
Frequently, evaluating those options and choosing wisely among them may require more experience and attention than you have to give. In such circumstances, it makes sense to partner with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
That's where we come in! Our advisors will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
Portfolio Management Process Highlights
1. Client Focus: Each account can be individually customized to meet your requirements for growth, income or preservation of capital within your risk constraints.
2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
See More Info About Portfolio Management Here2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
Please visit the links below for newsletters from the Volrath Castle Group at Morgan Stanley.
Following the Fundamentals Quarterly Update: 4Q25
The Handoff
The Volrath Castle View: Issue 8
The Volrath Castle View: Issue 8
Following the Fundamentals Quarterly Update: 3Q25
Game On!?!?
The Volrath Castle View: Issue 7
The Volrath Castle View: Issue 7
Following the Fundamentals Quarterly Update: 2Q25
Not So Fast My Friend!
Following the Fundamentals Quarterly Update: 1Q25
Are the Have-Nots Thawing Out?
Following the Fundamentals Quarterly Update: 4Q24
JOBS! JOBS! JOBS!
The Volrath Castle View: Issue 6
The Volrath Castle View: Issue 6
Following the Fundamentals Quarterly Update: 3Q24
The Haves vs. the Have-NotsTo make the onboarding process as simple as possible we have gathered some of our most essential resources here at Morgan Stanley. You can find more information and steps to getting started below.
Morgan Stanley Online
Seamlessly and securely manage your finances all in one place. With Morgan Stanley online you can view your accounts, transfer money, see your total wealth, make deposits on the go and more.
Get Started Here
Total Wealth View
Total Wealth View allows you to add your non Morgan Stanley accounts into one place. This allows a clearer more holistic view of your entire financial picture and is a great up to date snap shot of your total net worth.
Get Started Here
Digital Vault
Digital Vault let's you easily and securely manage and store life's documents such as wills, deeds and estate plans as well as financial statements and tax filings.
Get Started with Digital Vault
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the Market Podcast
Reserved Living and Giving
Save on travel, dining, holiday gifts and more with Morgan Stanley's Reserved Living and Giving program.
Learn about the benefits
The GIC Weekly
Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click here to access the latest version
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click here to log in to Morgan Stanley Online2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Morgan Stanley Ideas Podcast
Location
4300 East 53rd St
Ste 300
Davenport, IA 52807
US
Direct:
(563) 344-4300(563) 344-4300
Toll-Free:
(800) 553-1871(800) 553-1871
Meet The Volrath Castle Group
Aaron Castle
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(563) 344-4352(563) 344-4352
Drew Volrath
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(563) 344-4310(563) 344-4310
Kelley Girardin, RICP®
Financial Advisor, Financial Planning Specialist
Phone:
(563) 344-4331(563) 344-4331
Gregory Poterack
Portfolio Associate, Registered Client Service Associate
Phone:
(563) 344-4332(563) 344-4332
Allie Girardin
Registered Client Service Associate
Phone:
(563) 344-4327(563) 344-4327
About Sheila A Volrath
As a Financial Advisor since 1999, Sheila enjoys helping individuals and families define and reach for their investment goals. Sheila strives to develop effective personal and professional relationships with her clients, intent upon educating and assisting with financial plan development according to their goals and objectives.
A lifelong resident of Iowa, Sheila grew up on her family’s farm in Eldridge. She earned her Bachelor of Business Administration degree from the University of Iowa, and her M.B.A. from St. Ambrose University. Sheila resides in DeWitt with her husband Jay and her miniature schnauzer, Indy. She has two grown children, Drew, who is a Financial Advisor with the Volrath Group and Karlee who is pursuing a degree at Iowa State University. Sheila is passionate about giving back to her community, something she learned from her former partner and mentor, Jim Victor. She is active in the Rotary Club of North Scott and the Free Enterprise Foundation/Junior Achievement of the Heartland. Sheila loves to travel, tour the country in her motorhome and spend time with family and friends.
A lifelong resident of Iowa, Sheila grew up on her family’s farm in Eldridge. She earned her Bachelor of Business Administration degree from the University of Iowa, and her M.B.A. from St. Ambrose University. Sheila resides in DeWitt with her husband Jay and her miniature schnauzer, Indy. She has two grown children, Drew, who is a Financial Advisor with the Volrath Group and Karlee who is pursuing a degree at Iowa State University. Sheila is passionate about giving back to her community, something she learned from her former partner and mentor, Jim Victor. She is active in the Rotary Club of North Scott and the Free Enterprise Foundation/Junior Achievement of the Heartland. Sheila loves to travel, tour the country in her motorhome and spend time with family and friends.
Securities Agent: NV, GA, WA, MN, CA, AL, SC, MI, IL, IA, VA, OK, NE, NY, SD, DC, WY, TX, OR, OH, MO, NJ, IN, CO, AZ, ND, KS, FL, WI, TN, NM, NC, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2645892
NMLS#: 2645892
About Aaron Castle
Aaron, a native of Muscatine Iowa, earned his Bachelor of Arts degree in Business Administration from Augustana College in Rock Island, Illinois. He started his career at Guggenheim Investments (formerly Claymore Securities) where he spent four years before pursuing his MBA from the University of Iowa’s Tippie School of Management. With an MBA in finance, Aaron relocated to Chicago to join First Trust Portfolios consulting with financial advisors and portfolio managers throughout the country before making the move to Morgan Stanley in 2014.
Aaron has received numerous honors and recognitions for his work in the financial industry. Most recently, Forbes Magazine named Aaron as one of the top Best-In-State Wealth Advisors 2023 and one of the top Best-In-State Next-Gen Wealth Advisors 2022 for the state of Iowa. His impact and involvement with-in the Quad Cities also earned Aaron recognition from the Quad Cities Regional Business Journal as one of the Forty Under 40 honorees in 2022. In addition to the individual honors, The Volrath Castle Group at Morgan Stanley was recognized as a Forbes Best-in-State Wealth Management Team in 2023.
Aaron enjoys much of his free time golfing, watching and playing sports, and traveling with his family. Among many other causes they support, Aaron and his wife Chloe created the Aaron and Chloe Castle fund through the University of Iowa Center for Advancement to support the University of Iowa Stead Family Children’s Hospital. Aaron, Chloe, and their two boys reside in Bettendorf, Iowa.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21-6/30/22.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Aaron has received numerous honors and recognitions for his work in the financial industry. Most recently, Forbes Magazine named Aaron as one of the top Best-In-State Wealth Advisors 2023 and one of the top Best-In-State Next-Gen Wealth Advisors 2022 for the state of Iowa. His impact and involvement with-in the Quad Cities also earned Aaron recognition from the Quad Cities Regional Business Journal as one of the Forty Under 40 honorees in 2022. In addition to the individual honors, The Volrath Castle Group at Morgan Stanley was recognized as a Forbes Best-in-State Wealth Management Team in 2023.
Aaron enjoys much of his free time golfing, watching and playing sports, and traveling with his family. Among many other causes they support, Aaron and his wife Chloe created the Aaron and Chloe Castle fund through the University of Iowa Center for Advancement to support the University of Iowa Stead Family Children’s Hospital. Aaron, Chloe, and their two boys reside in Bettendorf, Iowa.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21-6/30/22.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Securities Agent: CO, TX, NC, IL, ID, IA, SD, NH, TN, MI, FL, AL, NV, MS, SC, PA, MN, KS, VA, NE, AZ, WA, UT, MO, IN, OR, OH, GA, DC, WY, WI, NM, CA, OK, NY, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1297875
NMLS#: 1297875
About Drew Volrath
Drew Joined Morgan Stanley in 2017 as a Wealth Advisor Associate before becoming a financial advisor in 2019. Drew focuses on developing and implementing financial plans tailored to each client's individual financial situation.
Drew attended St. Ambrose University, where he earned his Bachelor’s degree in Finance and played football. Drew is actively involved in a local neighborhood outreach program and local recreational sports leagues. He is an Iowa native who currently resides in DeWitt with his wife, Jordan. Drew enjoys much of his free time participating in a number of outdoor activities and spending time with friends and family.
Drew attended St. Ambrose University, where he earned his Bachelor’s degree in Finance and played football. Drew is actively involved in a local neighborhood outreach program and local recreational sports leagues. He is an Iowa native who currently resides in DeWitt with his wife, Jordan. Drew enjoys much of his free time participating in a number of outdoor activities and spending time with friends and family.
Securities Agent: ND, NC, MS, MO, MI, FL, WA, TN, LA, KS, IN, IA, AL, WI, TX, NE, OH, NM, MN, GA, DC, CA, SC, NY, IL, AZ, VA, SD, NV, CO, OR, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 2516982
NMLS#: 2516982
About Kelley Girardin
Kelley, a South Carolina native, graduated from Augusta University with a Bachelor’s Degree in Communications. She entered into the financial industry in 2012 and joined Morgan Stanley in 2017. She manages responsibilities related to financial planning, client communication, and team marketing.
Kelley wants her clients to have peace of mind in regards to their personal financial direction. By helping clients understand their current financial situation and providing guidance in articulating their financial goals, Kelley creates a financial plan that acts as a roadmap to help navigate the various goals and potential roadblocks her client may have.
Kelley’s goal-focused approach spans beyond the scope of her professional life. Her favorite pastime is crossing things off her ever-growing bucket list. A few accomplishments include running the New York City Marathon and traveling around the world by herself. Kelley resides in Bettendorf with her boyfriend and French bulldog, Betty.
Kelley wants her clients to have peace of mind in regards to their personal financial direction. By helping clients understand their current financial situation and providing guidance in articulating their financial goals, Kelley creates a financial plan that acts as a roadmap to help navigate the various goals and potential roadblocks her client may have.
Kelley’s goal-focused approach spans beyond the scope of her professional life. Her favorite pastime is crossing things off her ever-growing bucket list. A few accomplishments include running the New York City Marathon and traveling around the world by herself. Kelley resides in Bettendorf with her boyfriend and French bulldog, Betty.
Securities Agent: NC, ID, TX, SC, NV, CA, ND, KS, NM, AZ, TN, ME, IN, CO, AL, PA, OR, OH, NY, MS, MI, WI, OK, MO, GA, DC, VA, SD, IL, FL, WA, NE, IA, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 890614
NMLS#: 890614
About Gregory Poterack
Greg has been solving client questions for over 10 years but just recently joined Morgan Stanley. Prior to working in the financial industry, he owned a restaurant for 14 years, which was a proven training ground in providing excellent client service. His business experience taught him to keep cool when he has 42 emails and 28 phone messages, all marked URGENT, before noon.
As a Client Service Associate, execution is his game. If it’s not specific investment advice you’re looking for, contact Greg directly! If he doesn’t know the answer immediately, he will chase it down and report back to you quickly. His main goal is to keep things as hassle-free for our clients as possible.
Greg loves helping clients improve their lives with Morgan Stanley’s knowledge, experience and commitment to service. As for his love on another level, that’s saved for his wife, Tonia, and son, Mitchell.
As a Client Service Associate, execution is his game. If it’s not specific investment advice you’re looking for, contact Greg directly! If he doesn’t know the answer immediately, he will chase it down and report back to you quickly. His main goal is to keep things as hassle-free for our clients as possible.
Greg loves helping clients improve their lives with Morgan Stanley’s knowledge, experience and commitment to service. As for his love on another level, that’s saved for his wife, Tonia, and son, Mitchell.
About Allie Girardin
Allie Girardin graduated from the College of Charleston in Charleston, SC. where she obtained her Bachelors of Accountancy. Prior to Morgan Stanley in 2021, she worked as an accountant, specializing in the preparation and producing of financial statements for local businesses. Her favorite part of the role was analyzing financial documents and discussing the status of businesses with their owners. One of her strengths as an accountant was building strong relationships with clients. She is excited to utilize the skills and tools that she has cultivated as an accountant and apply them to her new role at Morgan Stanley as a Client Service Associate.
Kelley Girardin, one of the financial advisors for the team, is Allie’s older sister. They moved to the Quad Cities together in 2019. Allie is a Southern belle, living in the Midwest, cheering on her favorite New England teams. When she is not cheering on the Pats, she is baking pastries (she is currently on a Pavlova and Macaroon kick). Allie resides in Bettendorf with her French Bulldog, Tallulah.
Kelley Girardin, one of the financial advisors for the team, is Allie’s older sister. They moved to the Quad Cities together in 2019. Allie is a Southern belle, living in the Midwest, cheering on her favorite New England teams. When she is not cheering on the Pats, she is baking pastries (she is currently on a Pavlova and Macaroon kick). Allie resides in Bettendorf with her French Bulldog, Tallulah.
Contact Sheila A Volrath
Contact Aaron Castle
Contact Drew Volrath
Contact Kelley Girardin
Wealth Management
Global Investment Office
Portfolio Insights
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Ready to start a conversation? Contact The Volrath Castle Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Morgan 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.
3Morgan 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.
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 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8When 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.
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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.
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Awards Disclosures | Morgan Stanley
2Morgan 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.
3Morgan 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.
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 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
