Kevin Welsh, CAP®
Executive Director, Financial Advisor, Alternative Investments Director, Chartered Advisor in Philanthropy
Phone:
(402) 399-1541(402) 399-1541
The Welsh Friesen Group at Morgan Stanley
Direct:
(402) 399-1541(402) 399-1541
Toll-Free:
(800) 228-3309(800) 228-3309
Our Mission Statement
You have worked hard to distinguish yourself. That is why we help you preserve your wealth, grow it, and ultimately pass it along to your next generation.
The Welsh Friesen Group
The Welsh Friesen Group is a team of seasoned financial professionals with a combined 70+ years of financial services experience. The team utilizes Morgan Stanley’s best-in class wealth management platform to provide exceptional service to its clients. The group specializes in helping business owners looking to grow or sell their businesses, families with considerable assets, and landowners contemplating the next generation. Clients are given the group’s framework to help make informed financial decisions This is done by focusing on six key pillars of financial management: goals-based financial planning, professional investment management, insurance review, evaluation of liabilities, estate planning, and generational family wealth transfers.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Own A Business?
As a business owner, you’ve spent your career focusing on growing and maintaining your company. Have you had time to think about what comes next? Traveling across the country? Spending more time with family and friends? Trying new hobbies?
Creating and building a successful firm, as well as deciding when to depart —whether through an IPO, merger, private sale, or family succession—is rarely just about money. The process is rigorous, the details are complicated, and the decisions are frequently an unexpected mix of personal and financial considerations.
Creating and building a successful firm, as well as deciding when to depart —whether through an IPO, merger, private sale, or family succession—is rarely just about money. The process is rigorous, the details are complicated, and the decisions are frequently an unexpected mix of personal and financial considerations.
How we can help?
We aim to simplify the complex. How does selling your business impact your taxes? We can assist you by analyzing the effects of your business sale on your income or capital gains taxes. After the sale has settled, we examine your future goals, aspirations, and legacy concerns.
Why Us?
We are an experienced group of Financial Advisors who have decades of experience working with business owners. We provide value by knowing which questions to ask and bringing relevant tools to the table when you are planning for your next steps.
Life After Selling a Business
If you have poured years—maybe even decades—of your life into building a business, the time to sell may come with mixed emotions. Figuring out what comes after this significant milestone can seem daunting. We work with business owners to create a clear financial plan to help ensure the best outcome for founders, families and businesses.
Concentrated Stock and Options Analysis
Designed for executives who have significant wealth in stock and options of their company, The concentrated stock and options analysis illustrates various valuations of holdings as well as hypothetical diversification scenarios.
The Framework to Make Informed Financial Decisions
Our wealth management strategy is centered around you, your family, and your profession - where you are now and where you want to be in the future. We provide the structure to help you get there. Check out our process below:
1. Gather Data
Wealth management is not a one size fits all solution. It is a complex road map, navigating you to financial freedom. To reach your goals, we start by understanding and mapping your current financial position: bank accounts, retirement benefits, insurance policies, and any additional assets that could have an impact on future decisions.
2. Discuss and Set Goals
Determining when you want to retire, how much you want to travel, or if you plan on purchasing a vacation home are key aspects of defining what you want retirement to look like. Whatever your goals are, our job is to prioritize what's important to you and make sure you have the flexibility to execute.
3. Develop a Plan and Strategy
We utilize robust financial planning software, creating a unique and detailed plan with recommendations to help you grow, maintain, and transfer your wealth.
4. Implement and Execute Plan
We present appropriate strategies designed to help you achieve your goals. After reviewing with you and receiving your approval, we will implement the aforementioned strategies, and subsequently track your progress to attaining your goals.
5. Maintain and Update
We continuously monitor your progress toward your goals and make updates to your financial plan when necessary to keep you on track.
TIMELY RESOURCES FOR YOU
We want to provide you with the most recent, timely, and important information so you can feel informed and educated during these difficult times. We will be periodically updating these links in order to keep the most important information top of mind.
The Welsh Friesen Group Quarterly Newsletter
In this issue, we'll be covering the latest market trends, economic indicators, and investment opportunities. Our team has been closely monitoring global events and economic data to provide you with these valuable insights. Please enjoy the read!
Read Here
Mike Wilson: Thoughts On The Market
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.
This Week's Podcast With Mike Wilson
Global Investment Committee On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
This Months "GIC On The Markets"GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
This Weeks "GIC Weekly"
2025 Federal Income Tax Tables
For help filing your taxes this year, our team has published the 2025 tax tables for your reference. Please click the link below to view them.
2025 Tax Tables
Goal Setting and Budgeting
Learn how to define and set financial goals, make a budget, and save effectively to reach your goals.
• Goal setting strategies
• Cash flow
• Tracking expenses
• Setting up an emergency fund
Watch Here• Goal setting strategies
• Cash flow
• Tracking expenses
• Setting up an emergency fund
Credit and Debt Management
Explore the relationship between debt and credit and how maintaining good credit can help you with your broader wealth planning goals.
• Credit and debt terminology
• Credit scores
• Debt management
• Credit card pitfalls
Watch Here• Credit and debt terminology
• Credit scores
• Debt management
• Credit card pitfalls
Introduction to Investing
Discover the basic concepts of investing, so you can build your financial confidence and make it easier to make informed decisions about creating and managing your wealth.
• Asset classes
• Compounding interest
• Market dynamics
• Risk versus reward
Watch Here• Asset classes
• Compounding interest
• Market dynamics
• Risk versus reward
In App Offerings
Morgan Stanley Online (MSO) is a comprehensive platform that provides versatile and user-friendly features, which include numerous "In-App Offerings" designed to meet the diverse needs of clients. Whether you are interested in managing your investments, accessing research and insights, or taking advantage of educational resources, MSO has a variety of tools and resources available to enrolled clients. By exploring the benefits that MSO offers through its "In-App Offerings," you can discover the many ways in which this platform can help you achieve your financial goals and stay on top of your finances.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, as well as a complete view of your assets and liabilities whether they are held at Morgan Stanley or elsewhere.
Link Your External Accounts Within MSOLocation
13625 California St
Ste 400
Omaha, NE 68154
US
Direct:
(402) 399-1541(402) 399-1541
Toll-Free:
(800) 228-3309(800) 228-3309
Meet The Welsh Friesen Group
Patrick Friesen, CFP®, CPWA®
Senior Vice President, Financial Advisor, Certified Private Wealth Advisor®, CERTIFIED FINANCIAL PLANNER®, Alternative Investments Director
Phone:
(402) 399-1580(402) 399-1580
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Certified Private Wealth Advisor®, Insurance Planning Director
Phone:
(402) 399-6310(402) 399-6310
Dawn Bonacci
Portfolio Associate
Phone:
(402) 399-1548(402) 399-1548
William Koll
Registered Client Service Associate
Phone:
(402) 399-1549(402) 399-1549
About Kevin Welsh
Kevin Welsh is an Executive Director and Financial Advisor with the Welsh Friesen Group at Morgan Stanley. With over 25 years of experience in the financial services industry, Kevin and his team provide custom portfolios and wealth management solutions for business owners, executives, and families.
A graduate of the University of Nebraska at Omaha, Kevin received a Bachelor’s in Business Administration and joined Morgan Stanley in 1999.
From discovery and analysis to fully understanding his client’s goals, Kevin and his team articulate a 360-degree financial planning approach that covers all aspects of a client’s financial life. Kevin and his team enjoy challenging situations that are complicated. They do their best when a team approach is needed. Kevin has the Chartered Advisor in Philanthropy® designation which allows him to help clients achieve their charitable goals relating to self, family, and society. Kevin has extensive experience in working with alternative investments such as private equity, private real estate, private credit and hedge funds.
Kevin grew up on a farm outside of Springfield, Nebraska. Although he grew up in a small farm community he has traveled to over 40 countries and 49 states (still needs Alaska). He feels his global perspective allows him to keep a balanced perspective in an ever changing world. He is a community activist and is involved in several local organizations, including Board membership at Blackstone Venture Fund and Suburban Rotary of Omaha. In his free time, Kevin enjoys road racing, tractor pulling, cage cart racing, copper artisan fabrication, coaching his son Landon’s basketball team, as well as, his daughter Cassidy’s softball team, working out and spending time with his wife and family.
A graduate of the University of Nebraska at Omaha, Kevin received a Bachelor’s in Business Administration and joined Morgan Stanley in 1999.
From discovery and analysis to fully understanding his client’s goals, Kevin and his team articulate a 360-degree financial planning approach that covers all aspects of a client’s financial life. Kevin and his team enjoy challenging situations that are complicated. They do their best when a team approach is needed. Kevin has the Chartered Advisor in Philanthropy® designation which allows him to help clients achieve their charitable goals relating to self, family, and society. Kevin has extensive experience in working with alternative investments such as private equity, private real estate, private credit and hedge funds.
Kevin grew up on a farm outside of Springfield, Nebraska. Although he grew up in a small farm community he has traveled to over 40 countries and 49 states (still needs Alaska). He feels his global perspective allows him to keep a balanced perspective in an ever changing world. He is a community activist and is involved in several local organizations, including Board membership at Blackstone Venture Fund and Suburban Rotary of Omaha. In his free time, Kevin enjoys road racing, tractor pulling, cage cart racing, copper artisan fabrication, coaching his son Landon’s basketball team, as well as, his daughter Cassidy’s softball team, working out and spending time with his wife and family.
Securities Agent: OK, CT, MI, TX, TN, KS, NC, WY, WI, SC, NH, MN, OH, NY, CO, WA, VA, NV, GA, AZ, DC, NE, MO, IA, FL, CA, AR, NM, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2102631
NMLS#: 2102631
About Patrick Friesen
Patrick Friesen is a Financial Advisor with the Welsh Friesen Group at Morgan Stanley. With over 18 years of experience in the financial services industry, Patrick helps clients put their wants and needs into focus through discussion and education. It is important to us that clients along with their family feel comfortable and understand how their investments, insurance, liabilities and estate plans work together now and in the future.
Patrick is a CERTIFIED FINANCIAL PLANNER™ professional and Certified Private Wealth Advisor® practitioner. These certifications are recognized as the highest standard in financial planning. Countless hours of study created the base of knowledge needed to help clients structure their wealth to support their future. Continued education keeps him up to date with current changes in investments, insurance, taxes and estate planning. All of this has been done so he can better help clients understand what options are available for them and their families.
A graduate of Chadron State College, Patrick received a degree in Business Administration with a concentration in finance and joined Morgan Stanley in 2005.
Patrick grew up on a farm near Henderson, Nebraska where learned the value of hard work and perseverance. Active in the community, Patrick currently is the Chairman of the Board of the Chadron State Foundation. He is also a member of the finance committee at St. Patrick’s Catholic Church of Elkhorn. He is happily married with five children. In his spare time Patrick enjoys working out, golfing, and reading.
Patrick is a CERTIFIED FINANCIAL PLANNER™ professional and Certified Private Wealth Advisor® practitioner. These certifications are recognized as the highest standard in financial planning. Countless hours of study created the base of knowledge needed to help clients structure their wealth to support their future. Continued education keeps him up to date with current changes in investments, insurance, taxes and estate planning. All of this has been done so he can better help clients understand what options are available for them and their families.
A graduate of Chadron State College, Patrick received a degree in Business Administration with a concentration in finance and joined Morgan Stanley in 2005.
Patrick grew up on a farm near Henderson, Nebraska where learned the value of hard work and perseverance. Active in the community, Patrick currently is the Chairman of the Board of the Chadron State Foundation. He is also a member of the finance committee at St. Patrick’s Catholic Church of Elkhorn. He is happily married with five children. In his spare time Patrick enjoys working out, golfing, and reading.
Securities Agent: WA, OH, TX, SC, OK, NV, IA, CT, GA, CO, NC, MN, IL, AZ, AL, KS, CA, AR, VA, TN, MI, WI, NE, MO, NY, NH, FL, WY, NM; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1802245
NMLS#: 1802245
About Jeff Dolejs, CFP®, CPWA®, MBA
Jeff Dolejs is a Financial Advisor with the Welsh Friesen Group at Morgan Stanley with 10 years of experience in the financial services industry. Jeff helps clients contextualize their short- and long-term goals around their retirement saving. His background in financial analysis serves him well when building financial plans.
Jeff is a CERTIFIED FINANCIAL PLANNER™ professional and Certified Private Wealth Advisor® practitioner. These certifications are recognized as the highest standard in financial planning. Countless hours of study created the base of knowledge needed to help clients structure their wealth to support their futures. Continued education keeps him up to date with current changes in investments, insurance, taxes and estate planning. All of this has been done so he can better help clients understand what options are available for them and their families.
Jeff received both his Master of Business Administration and Bachelor of Science in Business Administration degrees from the University of Nebraska at Omaha. He completed the CFP® Certification Professional Education Program from the College of Financial Planning, a Kaplan company. Most recently, Jeff completed the Wealth Management Theory & Practice (A CPWA® Certification Registered Education Program) through the Executive Education arm of the Yale School of Management.
Jeff is originally from Fremont but grew up in Elkhorn where he played hockey. He spent summers in Valley where he learned to wakeboard, kneeboard, waterski and wake surf. Jeff is happily married and has a daughter. In his spare time, Jeff enjoys cooking, playing hockey, golfing, attending wetland conservation events with his father, and watching NHL and NFL games.
Jeff plays Guitar Hero on the Expert setting.
Jeff is a CERTIFIED FINANCIAL PLANNER™ professional and Certified Private Wealth Advisor® practitioner. These certifications are recognized as the highest standard in financial planning. Countless hours of study created the base of knowledge needed to help clients structure their wealth to support their futures. Continued education keeps him up to date with current changes in investments, insurance, taxes and estate planning. All of this has been done so he can better help clients understand what options are available for them and their families.
Jeff received both his Master of Business Administration and Bachelor of Science in Business Administration degrees from the University of Nebraska at Omaha. He completed the CFP® Certification Professional Education Program from the College of Financial Planning, a Kaplan company. Most recently, Jeff completed the Wealth Management Theory & Practice (A CPWA® Certification Registered Education Program) through the Executive Education arm of the Yale School of Management.
Jeff is originally from Fremont but grew up in Elkhorn where he played hockey. He spent summers in Valley where he learned to wakeboard, kneeboard, waterski and wake surf. Jeff is happily married and has a daughter. In his spare time, Jeff enjoys cooking, playing hockey, golfing, attending wetland conservation events with his father, and watching NHL and NFL games.
Jeff plays Guitar Hero on the Expert setting.
Securities Agent: NM, MI, AZ, NH, OH, NC, MN, AR, WI, NY, NE, KS, CT, CO, CA, WY, TX, TN, FL, NV, GA, SC, OK, MO, IL, IA, WA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1973199
NMLS#: 1973199
About Dawn Bonacci
Dawn Bonacci is a Portfolio Associate with the Welsh Friesen Group at Morgan Stanley. With over 25 years of experience, she is the liaison between clients and Financial Advisors helping to manage all day-to-day business and investment needs for the team.
Dawn received her degree from Northwest Missouri State University and she joined Morgan Stanley as a Client Service Associate in 1992. With her strong work ethic and attentive approach, Dawn ensures that clients' needs are not only met with diligence, but in keeping with their larger financial goals.
In her free time, Dawn enjoys reading, bowling and gardening. She also loves spending time with her husband and two boys.
Dawn received her degree from Northwest Missouri State University and she joined Morgan Stanley as a Client Service Associate in 1992. With her strong work ethic and attentive approach, Dawn ensures that clients' needs are not only met with diligence, but in keeping with their larger financial goals.
In her free time, Dawn enjoys reading, bowling and gardening. She also loves spending time with her husband and two boys.
About William Koll
William Koll is a Registered Client Service Associate with the Welsh Friesen Group at Morgan Stanley. He acts as the connector for the group's clients and Financial Advisors, helping to manage Alternative Investment orders and other investment needs for the team.
William joined the Welsh Friesen Group in 2023 after working at another brokerage firm and a stint in the insurance industry.
In his free time, William enjoys golfing, reading, and traveling.
William joined the Welsh Friesen Group in 2023 after working at another brokerage firm and a stint in the insurance industry.
In his free time, William enjoys golfing, reading, and traveling.
Contact Kevin Welsh
Contact Patrick Friesen
Contact Jeff Dolejs, CFP®, CPWA®, MBA
Hear from Our Clients
My wife and I started working with Kevin and team in 2009. Our goals from the beginning were to retire when we were 65 and have enough money to comfortably live the life we wanted. The team has guided our investment decisions and helped us realize our goals. We were never pressured to buy certain investments.
We meet regularly to discuss our portfolio and goals. We have no regrets having the team manage our money and continue to find them always responsive to our questions and concerns.
Dan
Verified ClientMarch 25, 2024
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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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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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Welsh Friesen 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan 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
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan 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
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
