Senior Vice President, Wealth Management, Financial Advisor, Corporate Retirement Director
Phone:
(218) 720-0123(218) 720-0123
Twin Ports Team at Morgan Stanley
Direct:
(218) 727-7600(218) 727-7600
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
The Twin Ports Team was built from decades of experience and built to help our clients for the upcoming decades. Our broad experience, and educational backgrounds allows us to provide financial advice, researched insights and comprehensive strategies designed to help meet a broad spectrum of both today's modern family needs and/or corporate retirement plan needs.
Our goal to work closely with our clients so that they have the opportunity to be financially comfortable, so that their goals can be reached, and so that we can help reduce worry.
We are supported by the vast resources of Morgan Stanley, and we aim to provide an exceptional level of service that can help you face your concerns through each phase of your life.
By becoming a better-informed investor and working in collaboration with our team, we can bring together the pieces of your vision and help make your aspirations a reality.
Our goal to work closely with our clients so that they have the opportunity to be financially comfortable, so that their goals can be reached, and so that we can help reduce worry.
We are supported by the vast resources of Morgan Stanley, and we aim to provide an exceptional level of service that can help you face your concerns through each phase of your life.
By becoming a better-informed investor and working in collaboration with our team, we can bring together the pieces of your vision and help make your aspirations a reality.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
In a world that constantly changes, you need a tailored process that can evolve with you and your family.
Discovery
Before anything we work to understand your goals, what is important to you and the deeper financial picture you have envisioned for your future. Our primary objective here is to get to know you - then establish our roadmap.
Planning
Once we establish your goals, time horizon, and risk tolerance, we construct a personalized wealth management plan tailored to help meet your needs. After presenting your plan, we work with you closely to bring it to life.
Monitoring
We know that things change. and after your plan is implemented, our work is far from over. We continue to monitor your progress, keeping you up to date and informed along the way, constantly collaborating with you to establish the most efficient allocation of your funds and help maximize your potential return.
Advising
We are constantly a resource to you; answering any questions or concerns you have along the way. Our goal is to act as an invaluable resource to our clients, offering timely commentary, guidance during turbulence, and confidence through your journey. We believe that if you understand out thought process that this will lead you away from worry and towards more comfort.
Overview
As a team with a Corporate Retirement Director, we will compare and evaluate plan fees and services to those of other similar plans – to help you determine what is reasonable. With a commitment to outstanding service and an emphasis on excellence, our mission is simple: to provide objective and high-quality guidance, comprehensive knowledge and experience, and tailored strategies to help empower your organization to make informed decisions about the retirement benefits you offer to your employees. Managing retirement benefits that align with your organization’s vision involves many decisions across multiple disciplines. I will work with you to understand your vision and craft a customized plan that can support your organization and your employees.
CRPS® - Chartered Retirement Plans Specialist® (Dean McCall)
The Chartered Retirement Plans Specialist® is a credential awarded by the College for Financial Planning for advisors focused on creating, implementing and maintaining retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and fiduciary issues.
Retirement Plan Profile Questionnaire
A retirement plan is one of the most important benefits you can offer your employees. The information requested below will help us identify solutions that best correspond with your needs and those of your employees.
View Questionnare Here
The Value of a Retirement Plan for Your Business
As an owner or decision-maker at your company, you don’t need to be reminded how challenging it is to sustain growth and scale success. Often it comes down to having the right people. But attracting, hiring, and keeping top talent can be difficult, especially when the competition is offering benefits.
Learn More
Improving Employee Contributions
There are three key areas where you can make improvements to your retirement plan to help make sure your employees are ready and able to make the most of their retirement benefits.
Learn MoreModern Digital Tools
At Morgan Stanley, we pride ourselves on offering a robust suite of modern financial tools for our clients. With a focus on safety and cybersecurity, our world-class apps, online tools, and client portals will help you seamlessly access your accounts and take quick, decisive action when needed. Here are the links to some of our most commonly used applications.
Morgan Stanley Online (MSO)
MSO is our online client portal that allows you to view your account information, contact your financial advisor, access the "Spending & Budgeting" tool, and much more. When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device with our app.
Login or Create Your Account
LifeView
LifeView® is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life. Review this questionnaire to get started.
LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
View Questionnare HereLifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
Digital Vault
Keeping all your records safe is our top priority at Morgan Stanley. The digital vault tool on MSO allows you to securely store and access wills, deeds, and tax documents and financial statements while sharing them with our team, as needed.
Not all documents can be accepted into Digital Vault.
Learn MoreNot all documents can be accepted into Digital Vault.
Spending & Budgeting Tool
With our Spending & Budgeting Tool in MSO, you can track your spending, create custom budgets, and view transactions across all your accounts - at Morgan Stanley, and elsewhere. You can also view your net worth in one place by securely linking external accounts to get a full picture of all your assets.
Information related to your external accounts is provided for informational purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness.
Financial Advisor(s) may not provide advice on any external account. Additional information about the services described above and offered on Morgan Stanley Online are in the applicable Terms and Conditions of Use.
Learn MoreInformation related to your external accounts is provided for informational purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness.
Financial Advisor(s) may not provide advice on any external account. Additional information about the services described above and offered on Morgan Stanley Online are in the applicable Terms and Conditions of Use.
Location
11 East Superior St
Suite 580
Duluth, MN 55802
US
Direct:
(218) 727-7600(218) 727-7600
Meet Twin Ports Team
Phone:
(218) 720-0146(218) 720-0146
Phone:
(218) 720-0120(218) 720-0120
Dorian Hanson
Portfolio Associate
Phone:
(218) 720-0141(218) 720-0141
About Dean W McCall
Dean has over 35 years of professional investment experience which includes 20-plus years at Morgan Stanley and 15 years as an institutional portfolio manager prior to joining Morgan Stanley. He enjoys getting to know clients and helping them have the opportunity to be financially comfortable and to help ease concerns they may have. He follows a thoughtful process as he works closely with clients helping them accomplish their goals.
As a Morgan Stanley Corporate Retirement Director, he also strives to help businesses with their company’s retirement plans by providing advice on plan designs, implementation, monitoring, fiduciary requirements, and education. He assists businesses develop and implement strategies to them achieve their goals.
Prior to joining Morgan Stanley, Dean worked for 7 years conducting financial audits and then for over 15 years he was an institutional portfolio manager. Dean is a graduate of the University of Wisconsin - Superior with a B. S. Degree and accounting major.
Dean is married and has 2 grown daughters. In his free time Dean enjoys cross-country and downhill skiing, being on the water, and other outdoor activities. He has served in numerous capacities with various civic, church and youth organizations throughout his adult life.
As a Morgan Stanley Corporate Retirement Director, he also strives to help businesses with their company’s retirement plans by providing advice on plan designs, implementation, monitoring, fiduciary requirements, and education. He assists businesses develop and implement strategies to them achieve their goals.
Prior to joining Morgan Stanley, Dean worked for 7 years conducting financial audits and then for over 15 years he was an institutional portfolio manager. Dean is a graduate of the University of Wisconsin - Superior with a B. S. Degree and accounting major.
Dean is married and has 2 grown daughters. In his free time Dean enjoys cross-country and downhill skiing, being on the water, and other outdoor activities. He has served in numerous capacities with various civic, church and youth organizations throughout his adult life.
Securities Agent: UT, FL, MA, MO, MS, SD, NH, MD, IL, AZ, GA, ME, AL, NY, CA, WI, VA, ND, MI, KY, TX, TN, IA, MN, IN, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1408727
CA Insurance License #: #0K06391
NMLS#: 1408727
CA Insurance License #: #0K06391
About Samuel Thiesse
Sam is committed to developing long-term relationships with his clients. He is driven to offer a exceptional level of service for individuals and businesses through creating financial plans, preparing and monitoring portfolios, and helping clients navigate the markets.
Growing up in the west metro of the Twin Cities, he graduated from the University of Minnesota Duluth with dual majors of Bachelor of Accounting and Bachelor of Business Administration in Financial Planning. After college, Sam moved back to the cities to work as a tax accountant for 5 years specializing in small business and individual taxation. While working as a tax account, he discovered his passion for helping people navigate through difficult financial situations and helping them make a road map for their future.
In 2020, he moved back to Duluth and started his financial advising career as a sole practitioner achieving membership into the Morgan Stanley’s Pacesetter’s Club, a global recognized program for financial advisors early in their careers. Sam then went on to join The Twin Ports Team with Dean McCall and Augusto Vladusic in 2024. When he is not at the desk, he enjoys hiking with his wife (Cory) and their golden retriever (Odie), golfing, curling, skiing, and anything outdoors.
Growing up in the west metro of the Twin Cities, he graduated from the University of Minnesota Duluth with dual majors of Bachelor of Accounting and Bachelor of Business Administration in Financial Planning. After college, Sam moved back to the cities to work as a tax accountant for 5 years specializing in small business and individual taxation. While working as a tax account, he discovered his passion for helping people navigate through difficult financial situations and helping them make a road map for their future.
In 2020, he moved back to Duluth and started his financial advising career as a sole practitioner achieving membership into the Morgan Stanley’s Pacesetter’s Club, a global recognized program for financial advisors early in their careers. Sam then went on to join The Twin Ports Team with Dean McCall and Augusto Vladusic in 2024. When he is not at the desk, he enjoys hiking with his wife (Cory) and their golden retriever (Odie), golfing, curling, skiing, and anything outdoors.
Securities Agent: OR, ME, SD, NC, UT, MD, DC, WI, KS, GA, CA, MO, MN, VA, KY, AL, AZ, NE, MA, IN, IL, FL, AR, WA, TX, SC, NH, ND, MI, MS, TN, IA, CO, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2079774
NMLS#: 2079774
About Augusto Vladusic
Securities Agent: AL, WI, MO, LA, ID, FL, DE, UT, SC, OR, MD, KS, IL, AZ, PR, NY, NC, MA, VT, AK, RI, ND, MS, MI, KY, WV, NJ, HI, WY, NM, IA, GA, DC, CT, CO, CA, AR, WA, VA, OH, MT, MN, TN, SD, PA, OK, NH, IN, VI, TX, NV, NE, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2699812
NMLS#: 2699812
About Dorian Hanson
Dorian is a Senior Registered Client Service Associate with The Twin Ports Team. She has over 35 years of experience in the financial industry and is always looking for ways to expand her knowledge base to help clients with their financial needs. Throughout her time in the financial industry, she has helped thousands of clients with all things administrative including account opening, maintenance and serving as a responsible liaison between clients and wealth management teams.
Dorian graduated from Lake Superior College and has an active FINRA Series 7 and 63 licenses.
She loves to read books and play with her kitten ”Mia”. She is married with two daughters, a son, and three grandchildren who love playing baseball.
Dorian graduated from Lake Superior College and has an active FINRA Series 7 and 63 licenses.
She loves to read books and play with her kitten ”Mia”. She is married with two daughters, a son, and three grandchildren who love playing baseball.
Contact Dean W McCall
Contact Samuel Thiesse
Contact Augusto Vladusic
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
The Robots are Coming
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Twin Ports Team today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3When 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.
4Morgan 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.
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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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
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.
3When 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.
4Morgan 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.
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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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
CRC 6491812 (04/2024)
