Phone:
(701) 222-7552(701) 222-7552
West Dakota Group at Morgan Stanley
Direct:
(701) 223-0135(701) 223-0135
Toll-Free:
(800) 541-9851(800) 541-9851
Our Mission Statement
As a seasoned wealth advisory practice, we provide the knowledge, experience, and insights to serve as your single point of contact for all your financial needs.
Retire on Your Terms with Clarity and Confidence
In one generation, the concept of "retirement" has changed dramatically. In the 1970s, it was common to retire with a full pension from your company. Social Security and Medicare were fully funded and provided vital benefits. And "retiring" often meant moving to a warmer climate and a quieter life.
Today, everything about retirement has changed. We live longer, most companies no longer provide pensions, and Social Security and Medicare are under continuous scrutiny. What's more, retirees want to stay more active in their later years. It's no wonder planning for retirement can often feel overwhelming.
As an experienced team of wealth management professionals, we have a long history of working with successful individuals and families who seek guidance and clarity in making informed decisions about their future. Working together, we will review all aspects of your finances to create a customized strategy that simplifies your life, while enabling you to do more with your wealth today.
Getting started is easy. It begins with a conversation. We look forward to getting to know you and sharing details on how we can make a meaningful impact on the quality of your life moving forward. Our ultimate goal is to empower you to make smart investment decisions, while helping ensure your money is there when you need it – no matter how long you live or what life events you encounter.
AWARDS & RECOGNITION
The West Dakota Group Named to 2025 Best-In-State Wealth Management Teams
Disclaimer: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Professional Portfolio ManagementFootnote4
- Alternative InvestmentsFootnote5
- Structured ProductsFootnote6
- Long Term Care InsuranceFootnote7
- Estate Planning StrategiesFootnote8
- Endowments and FoundationsFootnote9
- Life InsuranceFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
By Your Side for All of Life’s Milestones
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services. We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of their goals.
Holistic Financial Planning & Monitoring
Wealth management brings virtually all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Robust Investment Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Retirement Income Distribution Planning
One of our key areas of strength is helping you prepare and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with confidence.
College & Education Planning
Morgan Stanley offers a variety of 529 plan options to help you save for college and other education expenses.
Estate Planning Strategies
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Institutional Services
Our team offers financial advisory services for business retirement plans, aiding plan sponsors in plan design, investment selection and monitoring, as well as supporting plan participant financial wellness and education. Additionally, we work with foundations and endowments by providing investment management services.
Our Six-Step Process
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Plan Monitoring
Holistic plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
6. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Personalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events – like a divorce or a death in the family – can dramatically impact my plans?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Managing Risk
Life’s risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life’s unknowns?
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Charitable Giving
Are my charitable donations having the impact I want them to have?
Growing Older
Given extended life expectancy, how do I make certain I can afford the health services I may need?
Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Are you prepared?
Valuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 federal tax tables
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Check out the latest episode
Addressing Cybercrime
In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Learn how you can take a number of steps to help reduce the threat of identity theft, online scams, malware, fraud and more.
Maintain Good Cybersecurity Habits
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here for the Most Recent "On The Markets" Report
MS Reserved
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.
Learn more about MS Reserved
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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4207 Boulder Ridge Rd
Ste 250
Bismarck, ND 58503
US
Direct:
(701) 223-0135(701) 223-0135
Toll-Free:
(800) 541-9851(800) 541-9851
Fax:
(701) 223-0133(701) 223-0133
Meet West Dakota Group
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, CHARTERED RETIREMENT PLANS SPECIALIST
Phone:
(701) 222-7563(701) 222-7563
Phone:
(701) 222-7561(701) 222-7561
Financial Advisor, Financial Planning Specialist, Qualified Plan Financial Consultant
Phone:
(701) 222-7551(701) 222-7551
Michelle Edwards
Business Development Associate
Phone:
(701) 222-7564(701) 222-7564
Shelley Hill
Wealth Management Associate
Phone:
(701) 222-7567(701) 222-7567
About Steve K. Anderson
Steve is a Senior Vice President, Financial Planning Specialist, and founding partner of The West Dakota Group at Morgan Stanley. Since 1994, he has enjoyed working with individuals, families, and small business owners with a higher level of wealth, providing personalized advice through a disciplined process. His areas of focus include portfolio management, alternatives investments, annuities, and structured products. Steve’s comprehensive approach includes a detailed financial plan, a diversified investment portfolio, and a commitment to outstanding service.
Born and raised in Grand Forks, ND, Steve learned at an early age that it was not only important to work hard, but to have your money work hard too. He learned this valuable lesson when he was attending the University of North Dakota for his Bachelor’s degree in Accounting. His father had reached out to him to assist in making some important financial decisions. Steve saw how rewarding it could be to provide important guidance that could make a real impact. This experience inspired him to pursue a career in wealth management. Steve joined Smith Barney in 1994 and has been an integral part of the firm’s growth ever since.
Today, more than 25 years later, Steve has built a successful career that enables him to help clients solve complex problems, manage their total financial picture, and keep more of what they earn. It is extremely rewarding for Steve to see the impact a comprehensive strategy can have on his clients’ lives. Helping families develop and implement a financial plan gives him great satisfaction knowing he is contributing to a more comfortable and confident financial lifestyle. For his skills and client commitment, Steve has been named to Morgan Stanley’s Century Club, a recognition club for top advisors at the firm, for many consecutive years.
Steve’s desire to help others is equaled only by his dedication to his community and his family. Over the years, he has been active with his church and has been serving on its board since 2010. He also served as a board member of Capital Racquet and Fitness Center, where he is also a member.
A long-time resident of Bismarck, Steve has two daughters who are both attending college in North Dakota. They give him great joy and he loves spending time with them. Other favorite activities include golfing, playing racquetball, and staying fit.
Born and raised in Grand Forks, ND, Steve learned at an early age that it was not only important to work hard, but to have your money work hard too. He learned this valuable lesson when he was attending the University of North Dakota for his Bachelor’s degree in Accounting. His father had reached out to him to assist in making some important financial decisions. Steve saw how rewarding it could be to provide important guidance that could make a real impact. This experience inspired him to pursue a career in wealth management. Steve joined Smith Barney in 1994 and has been an integral part of the firm’s growth ever since.
Today, more than 25 years later, Steve has built a successful career that enables him to help clients solve complex problems, manage their total financial picture, and keep more of what they earn. It is extremely rewarding for Steve to see the impact a comprehensive strategy can have on his clients’ lives. Helping families develop and implement a financial plan gives him great satisfaction knowing he is contributing to a more comfortable and confident financial lifestyle. For his skills and client commitment, Steve has been named to Morgan Stanley’s Century Club, a recognition club for top advisors at the firm, for many consecutive years.
Steve’s desire to help others is equaled only by his dedication to his community and his family. Over the years, he has been active with his church and has been serving on its board since 2010. He also served as a board member of Capital Racquet and Fitness Center, where he is also a member.
A long-time resident of Bismarck, Steve has two daughters who are both attending college in North Dakota. They give him great joy and he loves spending time with them. Other favorite activities include golfing, playing racquetball, and staying fit.
Securities Agent: VI, ME, NE, MS, SC, UT, WI, OR, WY, ID, WV, WA, VT, VA, FL, TX, TN, SD, RI, PR, PA, OK, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1451623
NMLS#: 1451623
About Jesse Sailer
Jesse is a Senior Vice President at Morgan Stanley. Prior to joining Morgan Stanley, Jesse was a Senior Wealth Advisor at a local bank trust department for nine years. A CERTIFIED FINANCIAL PLANNER™, Jesse believes in holistic wealth planning to help clients achieve their goals with peace of mind. Jesse knows that a one-size-fits-all approach doesn’t work for the unique and complex needs of her clients, and she prides herself on being a careful listener so she can truly understand the clients’ goals to help best guide them.
Jesse specializes in the areas of retirement planning, cash flow planning, estate planning, employer-sponsored retirement plans, nonprofit foundations, and investments for government entities.
Originally from Jamestown, ND and graduating Jamestown High School, Jesse went on to pursue her B.S. in Finance and Business Administration at the University of Mary in Bismarck, ND. She also earned her M.B.A. from the University of Mary.
In the community, Jesse serves on the board of directors for the Bismarck Library Foundation, is the Vice President of the Western Dakota Estate Planning Council, a member of the Bismarck Rotary Club, and is active in her church.
Jesse resides in Bismarck with her husband and two children. In her free time, Jesse enjoys spending time with her family, particularly taking in any outdoor activity. Jesse also enjoys running, reading, and watching her children’s activities.
Jesse specializes in the areas of retirement planning, cash flow planning, estate planning, employer-sponsored retirement plans, nonprofit foundations, and investments for government entities.
Originally from Jamestown, ND and graduating Jamestown High School, Jesse went on to pursue her B.S. in Finance and Business Administration at the University of Mary in Bismarck, ND. She also earned her M.B.A. from the University of Mary.
In the community, Jesse serves on the board of directors for the Bismarck Library Foundation, is the Vice President of the Western Dakota Estate Planning Council, a member of the Bismarck Rotary Club, and is active in her church.
Jesse resides in Bismarck with her husband and two children. In her free time, Jesse enjoys spending time with her family, particularly taking in any outdoor activity. Jesse also enjoys running, reading, and watching her children’s activities.
Securities Agent: PA, FL, UT, MT, KY, KS, NV, ND, GA, AZ, OK, IL, WI, WA, SD, MI, CO, NE, MO, ID, AR, TN, OR, NC, MN, TX, DC, WY, NY, CA, VA, NM, NJ, MD, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2407415
NMLS#: 2407415
About Chase Lako
Chase Lako is a Financial Advisor who has been with Morgan Stanley since September 2019. Prior to joining the Firm, he worked for his family's excavating company after graduating with a degree in Agriculture and a minor in Business from Northwestern Oklahoma State University.
A native of Arthur, North Dakota, Chase currently resides in Mandan, North Dakota with his beautiful wife Kennedi, their dachshund Piper, and five horses. He is quite involved in his local community, where he is an active member of the Mandan horse and saddle club and the Mandan Planning Organization. In his free time, Chase enjoys rodeoing with his wife, roping with his friends, and taking advantage of the great outdoors with his family. He also loves to fly and is close to finishing his private pilot's license certification.
A native of Arthur, North Dakota, Chase currently resides in Mandan, North Dakota with his beautiful wife Kennedi, their dachshund Piper, and five horses. He is quite involved in his local community, where he is an active member of the Mandan horse and saddle club and the Mandan Planning Organization. In his free time, Chase enjoys rodeoing with his wife, roping with his friends, and taking advantage of the great outdoors with his family. He also loves to fly and is close to finishing his private pilot's license certification.
Securities Agent: MN, VA, TN, FL, AR, OK, MT, GA, DC, NJ, MD, LA, IL, AZ, WI, OR, NY, NC, KS, SD, PA, NE, MO, CO, NV, ND, CA, WA, UT, TX, MI, ID, KY, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2051491
NMLS#: 2051491
About Joe Dosch
Joe Dosch is a Financial Advisor who holds his Series 7 and Series 66. Prior to joining the firm, he contributed to and continued the successful operation of the Expressway Suites hotel in Bismarck. With over a decade of experience as a small business owner & operator he brings a unique perspective to our team.
Joe is committed to helping his clients feel comfortable with their retirement planning process and helping them achieve their goals. He focuses in the areas of retirement planning, employer-sponsored retirement plans and cash flow planning.
Born and raised in Bismarck he attended St. Mary’s Central High School and went on to obtain his B.S. in Business Administration at the University of Mary in Bismarck, ND.
Joe and his wife Amanda have been blessed with four wonderful & active boys. He enjoys spending time with family and watching his kids discover their interests.
Joe is committed to helping his clients feel comfortable with their retirement planning process and helping them achieve their goals. He focuses in the areas of retirement planning, employer-sponsored retirement plans and cash flow planning.
Born and raised in Bismarck he attended St. Mary’s Central High School and went on to obtain his B.S. in Business Administration at the University of Mary in Bismarck, ND.
Joe and his wife Amanda have been blessed with four wonderful & active boys. He enjoys spending time with family and watching his kids discover their interests.
Securities Agent: NV, CA, AZ, NY, TN, MT, ND, MN, SD, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2575055
NMLS#: 2575055
About Michelle Edwards
Michelle brings more than 20 years of financial services experience to our team. As a Business Development Associate, she is essential to enhancing the client experience. Her extensive knowledge of the firm’s administrative and operational platforms allows her to quickly align the correct resources, providing clients with confidence as she works to find the appropriate solution for their particular question or need.
Michelle graduated from Minot State University with a B.A. degree in Business Administration. She joined Morgan Stanley in 2000 for the opportunity to work closely with clients and help them strive towards their goals. It gives Michelle great satisfaction knowing she is helping someone solve a problem. She strives to ensure a stress-free experience by creating streamlined processes and leading a coordinated effort among her colleagues. Michelle holds the FINRA Series 7, 63 and 65 licenses.
Originally from Williston, Michelle now lives in Bismarck with her husband, Mark, and daughter, Bryanne. Favorite activities include reading, volunteering and spending time with family.
Michelle graduated from Minot State University with a B.A. degree in Business Administration. She joined Morgan Stanley in 2000 for the opportunity to work closely with clients and help them strive towards their goals. It gives Michelle great satisfaction knowing she is helping someone solve a problem. She strives to ensure a stress-free experience by creating streamlined processes and leading a coordinated effort among her colleagues. Michelle holds the FINRA Series 7, 63 and 65 licenses.
Originally from Williston, Michelle now lives in Bismarck with her husband, Mark, and daughter, Bryanne. Favorite activities include reading, volunteering and spending time with family.
About Shelley Hill
Drawing on more than 30 years of industry experience, Shelley is often the first line of contact on a broad array of client services. A consummate professional, she is committed to providing every client with the highest level of personal service. Shelley has been an important member of Morgan Stanley since 1992 and The West Dakota Group since joining the team in June 2016.
From the largest task to the smaller request, Shelley works diligently to exceed client expectations. Her core responsibilities include setting up client appointments, onboarding new clients, and interfacing with various departments across the firm to help ensure issues are resolved quickly and efficiently. Shelley holds her Series 7 and 63 FINRA licenses. She is a graduate of Minot State College where she earned her Associate of Arts degree in 1981.
Family is very important to Shelley. She and her husband, Larry, have three grown daughters, who have blessed them with six grandchildren! Outside of the office, she loves spending as much time as possible with her kids and grandkids. She is also very active at her church, assisting on several boards.
From the largest task to the smaller request, Shelley works diligently to exceed client expectations. Her core responsibilities include setting up client appointments, onboarding new clients, and interfacing with various departments across the firm to help ensure issues are resolved quickly and efficiently. Shelley holds her Series 7 and 63 FINRA licenses. She is a graduate of Minot State College where she earned her Associate of Arts degree in 1981.
Family is very important to Shelley. She and her husband, Larry, have three grown daughters, who have blessed them with six grandchildren! Outside of the office, she loves spending as much time as possible with her kids and grandkids. She is also very active at her church, assisting on several boards.
Contact Steve K. Anderson
Contact Jesse Sailer
Contact Chase Lako
Contact Joe Dosch
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Fay DeBellis, CIMA®, CFP®
Senior Vice President, Institutional Consulting Director, Investing with Impact Director
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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A Change of Greenery
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
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- Plan Management Support
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State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact West Dakota Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2Morgan 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.
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’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.
5Alternative 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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2Morgan 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.
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’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.
5Alternative 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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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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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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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
