Tina Swanson, CFP®
My Mission Statement
About Tina Swanson
Tina began her career in 1998 at Piper Jaffray as a Sales Assistant, quickly advancing to a Senior Registered Client Associate at Merrill Lynch in 2009, where she specialized in custom lending, estates, and trusts. Her career trajectory includes a pivotal role as Chief Investment Officer and Director of Financial Planning at an Independent Practice of Thrivent Financial, before returning to Merrill Lynch in 2021. Her leadership as Resident Director was marked by her dedication to mentoring and supporting financial advisors and client associates, fostering an environment of growth and excellence.
At Morgan Stanley, Tina continues her mission to connect clients with global resources and comprehensive financial solutions. Her capabilities span from investment strategies, retirement and income planning, trust and estate planning, philanthropic giving, and custom credit and lending. As a CERTIFIED FINANCIAL PLANNER™ professional, she holds FINRA Series 7, 9/10, and 66 registrations, along with Insurance licenses, equipping her to guide clients through complex financial landscapes with empathy, integrity, and transparency. Tina is a graduate of St. Cloud State University, holding a bachelor’s degree in finance and speech communications.
Tina Swanson is dedicated to helping high-net-worth and ultra-affluent individuals and families navigate the complexities of wealth management, focusing on paycheck replacement, cash flow management, investment strategy, and legacy planning. Her approach is rooted in understanding each client’s unique values and goals, ensuring they feel confident and in control of their financial future.
Outside of work, Tina lives in Stillwater with her husband. They have three young adult children, two in college and one working full-time, their favorite humans. Tina serves on the Stillwater Sunrise Rotary Board and enjoys walking, hiking, skiing, reading, traveling, and spending time with friends and family. Their two pups, Lucy and Winnie, keep life full of love and frustration, as only dogs can.
NMLS ID: 2123329
Financial Planning With Tina Swanson
Your financial plan should include more than just your investment objectives. Rather, it should be tailored to address the personal life and legacy goals you've identified and prioritized.
Tina's planning process begins with you, your personal goals, your financial goals, and your investment objectives. It is holistic in its approach and encompasses all the key elements of your financial life as well as your cash management needs. Your curated wealth plan includes research and recommendations across a wide range of asset classes, themes, models, and investment managers to accomplish your objectives.
The CFP® Professional:
Tina Swanson is certified by the CFP® Board. The CFP® designation shows that Tina has taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process to better serve her clients.
The certification process includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the ability in helping clients achieve their goals. Tina's diverse skillsets can help you navigate the complicated financial factors in your life.
Our LiveView® Platform:
Using Morgan Stanley's LifeView® platform - Tina can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources and provides a baseline for future discussions.
LiveView® helps us help you:
- Analyze your current investments and financial situation
- Review and prioritize your goals with you, such as retirement
- Educaion funding
- Major purchases and philanthropic goals
- Protect your goals
- Develop wealth transfer strategies
Start with a conversation to gain a thorough understanding of your needs, lifestyle and family – and your goals for the future.
Tina works with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
Tina helps you track your progress as well as spending and savings to help ensure you remain on track towards your goals.
Managing Assets & Liabilities
While the strategies and solutions Tina provides can be broad in scope, her approach is tailored to specific needs. Tina delivers the personalized attention you expect, as she utilizes Morgan Stanley's investment tools and platforms to help achieve your financial and legacy goals.
At Morgan Stanley Investment Management, our goal is to provide strong long-term performance to a diverse client base of governments, institutions, corporations, advisors and individuals worldwide.
For qualified investors, alternative investments can provide a measure of diversification, but they also typically come with a different risk profile and less liquidity.
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Reducing the current tax liabilities on your investments can help enhance your overall returns. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax efficient portfolio management to help meet your unique financial goals.
Direct Indexing may benefit many types of investors based on their investment objectives. Direct indexing is an investment strategy in which an investor directly owns the individual stocks composing an index, rather than investing in mutual funds or ETFs.
No matter what your philanthropic ambitions, Morgan Stanley can help you translate good intentions into an impactful strategy. From finding your cause to creating your own foundation, we are here to help. Listen to our latest podcast below.
Private Credit investing is an essential component of Morgan Stanley Investment Management's alternative investments platform. We manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
Estate Planning is the process of making arrangements to pass down wealth and assets after a person's death. Proper estate planning gives careful consideration to the estate owner's future plans, preferences and goals. The tax implications of the plan should also be thoroughly documented.
Leading A Fulfilling Retirement
The retirement planning landscape is shaped by evolving economic conditions, regulatory updates, and the diverse financial needs of individuals. When preparing for a client's retirement, Tina delves into a variety of topics, including effective retirement savings plans, investment strategies tailored to different life stages, and risk management techniques to safeguard your future.
Tina also examines the impact of current market trends and demographic shifts on retirement planning, offering insights into how these factors may influence your financial decisions. Tina's goal is to equip you with the knowledge and tools necessary to make informed choices that align with your long-term objectives.
Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.
Your retirement has the potential to be the most fulfilling period of your life–but you need to have a plan for your time as well as your finances.
Insurance isn't just for supporting dependents if something happens to you. It can also be part of a long-term retirement strategy.
Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
As retirement approaches, you'll want to have a clear understanding of what your financial needs are and if there's room for improvement.
Modern Wealth Tools & Resources
Morgan Stanley's comprehensive suite of digital resources has been carefully designed to help enhance each and every aspect of your financial portfolio and life. Learn more about some of the Modern Wealth Management Tools that we offer to our valued clients.
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Alternative 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.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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.
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