Aggie Bruge, MBA
Portfolio Associate
Phone:
(262) 241-1924(262) 241-1924
Trent Muller, CRPS®
Financial Advisor,
Vice President,
Portfolio Management Director
Direct:
(414) 226-3050(414) 226-3050
Toll-Free:
(800) 558-7505(800) 558-7505
My Mission Statement
Working with you to preserve and grow wealth for your long-term goals
My Story and Services
For me, retirement planning means more than providing my clients with investment advice. It means helping them maintain the financial independence they’ve worked their whole lives to achieve.
My consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked and determine how we can help you adjust your investment strategy to accommodate changing conditions and meet unforeseen expenses and income demands that may arise during retirement.
My consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked and determine how we can help you adjust your investment strategy to accommodate changing conditions and meet unforeseen expenses and income demands that may arise during retirement.
Services Include
- Qualified Retirement PlansFootnote1
- Retirement PlanningFootnote2
- Alternative InvestmentsFootnote3
- 401(k) Rollovers
- Trust ServicesFootnote4
- Business PlanningFootnote5
- Professional Portfolio ManagementFootnote6
- Philanthropic ManagementFootnote7
- Sustainable InvestingFootnote8
- Planning for Education FundingFootnote9
- Life InsuranceFootnote10
- Financial PlanningFootnote11
- Business Succession PlanningFootnote12
Securities Agent: TX, AK, NC, MS, FL, AZ, CO, UT, NM, NJ, MO, KS, DC, CA, WI, VA, OR, NY, TN, LA, ID, GA, MN, IL, IA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290497
NMLS#: 1290497
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
I strive to guide individuals, families, and businesses toward their investment goals through a reliable process and an impeccable service experience. Identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives, and risk tolerance. My disciplined approach allows me to work with you to craft a solution that helps meet your individual financial needs. Clear communication, expectations, and education are pillars to a healthy, valuable relationship. It is truly an honor and privilege to help you achieve your financial goals.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed at getting to know you, your lifestyle, and your future goals. I try to gain a full understanding of what you are trying to accomplish before agreeing to work together.
Step 4: Action Items & Next Steps
After comprehensive due diligence and analysis of expected results across multiple market scenarios, I create strategies from our expansive investment platform. Then, I'll follow up with you regarding our analysis and specific investment recommendations.
Step 2: Discovery Meeting
During the discovery meeting, I'll examine your financial goals. By reviewing your current financial situation and developing a plan, I can help you achieve the financial outcome you envision for yourself. It starts with an analysis of your assets, liabilities and risk exposures, enabling us to formulate strategies and customize a financial plan.
Step 5: Implementation Meeting
We communicate and work with you to create prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax efficiency, asset allocation adjustments, saving/benefit modifications, and investment management.
Step 3: Financial Plan Presentation
Financial planning presentations are the essential blueprints to map out your financial success. I start with a draft and review our findings to develop a plan that evolves throughout your life. By factoring in contributions, distributions, current and future expenses, as well as potential liquidity events, I can plan for retirement or whatever goals we set forth. This also provides a holistic asset allocation analysis for your investments, helping ensure a comprehensive guide to maintaining your lifestyle throughout your lives and into the next generation.
Step 6: Ongoing Service and Care
Committed to a first-class experience, I focus on developing longstanding relationships that provide special value to you and your family. I'll speak with you regularly to provide updates on your accounts. Also, I track progress towards each of your goals, adjusting your financial plan accordingly as changes in your life occur.
I'll keep a high degree of communication with you to make sure your concerns and requests are always addressed. I'll make sure you not only fully understand our procedures, but also the logistics involved and communication throughout the relationship.
I'll keep a high degree of communication with you to make sure your concerns and requests are always addressed. I'll make sure you not only fully understand our procedures, but also the logistics involved and communication throughout the relationship.
Comprehensive Financial Planning
As a financial Advisor, the trust and intimacy established within these relationships are the cornerstone of my practice. My services include taking a consultative approach across the following financial areas:
Financial Planning
Your goals, assets, liabilities, and other important financial information are gathered and analyzed through Morgan Stanley's robust planning software. I use that data to establish a financial plan and provide recommendations on allocation, savings, spending, and giving throughout your lifetime. My involvement in this process spans across all financial matters, including wealth management, tax, estate, and insurance planning.
Private Banking and Cash Management
I offer clients a comprehensive suite of cash management and lending solutions. With the PBG National Sales Team (Private Bankers, Associate Private Bankers, UHNW Specialists, and Cash Management Specialists),
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Wealth and Asset Management
This process starts with risk assessment and management. Based on your goals, I take a holistic approach to bring all the aspects of your financial life together. I use my analysis and experience to develop a customized investment strategy for you.
Retirement Planning
It is paramount for making sure a successful retirement and I bring intense focus to this process. You have worked hard to get where you are today. Now allow myself and my team to help you live the retirement you have always dreamt of.
Insurance and Estate Planning Strategies
With my knowledge and experience in insurance planning, I'll evaluate your risks and goals to establish potential life insurance needs. I'll work with your estate planning specialists as a team approach to creating a plan to help manage income replacement risk and estate taxes.
Business Succession Planning
A lot of thought and planning goes into a successful succession strategy. I can help you navigate the requirements of working with other professionals in addition to us, to help achieve the results you want. I can help you by sharing our experience with other businesses just like you and have ideas and strategies to help you grow or sell your business.
My Clients
Whether you are looking to grow your assets, save for retirement, or make sure you are ready for key life moments, I'll help you plan for the expected and the unexpected. I understand, learn, and discover my clients complete financial picture. I never come up with a solution-first approach and believe honesty and integrity are essential in creating a successful relationship.
Individuals and Families
I understand the needs of individuals and families across generations. That means taking the time to get to know you—your aspirations and goals, as well as the financial concerns that keep you up at night.
I ask you the right questions and then listen carefully to your answers. No matter what unique needs you have, I can help create a fitting solution.
I ask you the right questions and then listen carefully to your answers. No matter what unique needs you have, I can help create a fitting solution.
Corporate Retirement Solutions
When employees thrive, companies thrive. I'm proud to offer a customizable solution for organizations to empower their employees by making their finances a source of wellness – and not a source of stress.
I offer comprehensive solutions to effectively maximize and customize retirement benefits, so managers can help employees make the most out of retirement.
I offer comprehensive solutions to effectively maximize and customize retirement benefits, so managers can help employees make the most out of retirement.
Professionals and Corporate Executives
I work closely with professionals, and corporate executives to help manage stock options, provide retirement strategies, and help create portfolio diversification. I administer several different retirement plans, including 401 (k), IRAs,
and plans designed for corporate executives.
and plans designed for corporate executives.
Business Leaders & Entrepreneurs
I have worked for decades with business owners, innovators, and entrepreneurs. I understand the tremendous focus it takes to be successful. I know you rely on smart, trusted professionals to help you make decisions better, faster, and with more clarity about results.
Research and Modern Wealth Management Tools
Morgan Stanley seeks to make complex financial ideas more digestible so our clients understand what is being done on their behalf to plan for their financial future. Checkout the below content to see our latest market updates and reports from the top researchers at our firm.
2026 Federal Tax Tables
Here's the 2026 Tax Tables to make sure you're informed of all changes and limits that my impact you, as well as help you keep track of all filing deadlines.
View 2026 Tax Tables
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Online Security Center
Safeguarding your assets and personal information remain a top priority at Morgan Stanley. Click the link to learn about our stringent security measures and how to help protect yourself online.
Online Security Center
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth Tool
Complete your financial profile with Total Wealth Tool. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth Tool
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk PlatformLocation
411 E Wisconsin Ave
Suite 2200
Milwaukee, WI 53202
US
Direct:
(414) 226-3050(414) 226-3050
Toll-Free:
(800) 558-7505(800) 558-7505
Fax:
(414) 266-3081(414) 266-3081
Meet My Team
Michael Good
Wealth Management Associate
Phone:
(414) 226-3090(414) 226-3090
Jay Graham
Client Service Associate
Phone:
(414) 226-3070(414) 226-3070
About Aggie Bruge
Aggie Bruge is focused on everyday client service and support. As a Senior Registered Associate, Aggie is committed to building personal and professional relationships with clients, while also supporting our team. Responsible for administrative oversight and handling of client inquiries, she uses her extended knowledge and professional service to provide the best experience for clients. Aggie has more than 15 years of experience in the financial industry. This solid background enables her to provide a seasoned perspective to our team and to our clients.
Prior to joining Morgan Stanley in the summer of 2015, Aggie worked at Regal Securities, an independent brokerage firm in downtown Milwaukee. She earned her master’s degree in finance and marketing from Concordia University in 2005 and has the FINRA Series 7 and 66 registrations.
In her free time, Aggie enjoys spending time with her daughter and Husband, reading, skiing and traveling. Aggie is a native of Latvia and loves to visit her family every year.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Prior to joining Morgan Stanley in the summer of 2015, Aggie worked at Regal Securities, an independent brokerage firm in downtown Milwaukee. She earned her master’s degree in finance and marketing from Concordia University in 2005 and has the FINRA Series 7 and 66 registrations.
In her free time, Aggie enjoys spending time with her daughter and Husband, reading, skiing and traveling. Aggie is a native of Latvia and loves to visit her family every year.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
About Michael Good
Mike is responsible for the Team’s logistics and quality and execution of daily service and support of clients. Mike is detailed oriented and completing clients’ requests efficiently and correctly are top priority for Mike as he leads the team in the day-to-day service support of clients. Mike has more than 20 years of experience in the financial industry, joining Morgan Stanley in 2004. Since joining Morgan Stanley, Mike has obtained the FINRA Series 7 and 66 licenses.
In his free time, Mike and his wife enjoy gardening (flowers and vegetables) and spending time outdoors. He has a teenage son who loves anything car related.
In his free time, Mike and his wife enjoy gardening (flowers and vegetables) and spending time outdoors. He has a teenage son who loves anything car related.
About Jay Graham
Jay has over a decade of experience in the financial services industry. He holds the SIE, Series 7, Series 63, and Series 66 licenses, bringing a strong foundation of knowledge and expertise to his role.
Jay earned his bachelor’s degree in economics (Quantitative Emphasis) from the University of Wisconsin–Oshkosh. Known for his strong administrative skills, attention to detail, and charismatic yet professional personality; Jay excels at managing client accounts, streamlining processes, and ensuring smooth day-to-day operations.
Outside of work, Jay enjoys watching and playing basketball, spending time on the golf course, and traveling to explore new places and experiences.
Jay earned his bachelor’s degree in economics (Quantitative Emphasis) from the University of Wisconsin–Oshkosh. Known for his strong administrative skills, attention to detail, and charismatic yet professional personality; Jay excels at managing client accounts, streamlining processes, and ensuring smooth day-to-day operations.
Outside of work, Jay enjoys watching and playing basketball, spending time on the golf course, and traveling to explore new places and experiences.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Trent Muller today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
5Morgan 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.
6Morgan 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.
7Products 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
5Morgan 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.
6Morgan 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.
7Products 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)