Phone:
(314) 889-9843(314) 889-9843
WNW Group at Morgan Stanley
Direct:
(314) 889-9854(314) 889-9854
Our Mission Statement
We work with select individuals and families, acting as vigilant managers and thoughtful stewards of their money.
Targeted & Meaningful Planning and Advice
Helping you achieve financial success is The WNW Group's first priority. The WNW Group, partnered with Morgan Stanley, provide meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Together, Daniel Naert, David Winson, and Kimberly Akuna will formulate a strategy to help you achieve your most important goals and then deliver a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. With our Wealth Planning Center specialists, we'll help you address issues ranging from management of risk to philanthropy. We can help ensure that, whatever your objectives are, your personal and family values are at the heart of all of your planning.
To find out more, call us at (314) 889-9854
To find out more, call us at (314) 889-9854
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Cash ManagementFootnote2
- Business Succession PlanningFootnote3
- Financial PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Retirement PlanningFootnote6
- Corporate Retirement PlansFootnote7
- 401(k) Rollovers
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Resources & Updates
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
2026 IRS Contribution Limits
This document provides detailed information on the maximum benefit and contribution limits for various retirement and savings plans from 2020 to 2026, including IRAs, 401(k), and defined benefit plans.
Learn More
2026 Income Tax Tables
Please view the following attachment to find the 2026 federal tax tables.
Learn More
One Big Beautiful Bill Act Cheat Sheet
Following the enactment of new federal legislation, we wanted to share a brief report outlining the various tax provisions, as well as the implications for debt, deficits, and the markets.
Learn More
The Global Investment Committee Weekly
Weekly insights into global markets, asset classes and economic trends from the Global Investment Committee, Morgan Stanley’s team of seasoned investment professionals.
Learn More
2025 Income Tax Tables
Please view the following attachment to find the 2025 federal tax tables
View Here
Secure Act 2.0
Congress recently passed the SECURE 2.0 Act of 2022, which was signed into law by President Biden on December 29, 2022. SECURE 2.0 is a significant piece of retirement legislation that is intended to make it easier for businesses to offer retirement plans and for individuals to save for retirement.
Learn MoreDigital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
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.
Morgan Stanley Online
Morgan Stanley CashPlus
Easily access your cash with the Morgan Stanley CashPlus account. Along with ATM fee rebates, identity protection, the CashPlus accounts allows you to easily manage your account online.
Morgan Stanley CashPlus
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Online Security Center
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Digital VaultThe WNW Group
Family Wealth Resources
The WNW Group's Senior Vice President and Family Wealth Director, Daniel Naert, leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Our Team's Family Wealth Capabilities
A Family Wealth Director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley’s Financial Advisors as of February 2021. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families.
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Legacy & Estate Planning strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Location
7733 Forsyth Blvd
Ste 2100
Clayton, MO 63105
US
Direct:
(314) 889-9854(314) 889-9854
Meet WNW Group
Phone:
(314) 889-0345(314) 889-0345
Phone:
(314) 889-9854(314) 889-9854
Lisa Merz
Portfolio Associate
Phone:
(314) 889-9807(314) 889-9807
Amy Olvitt
Assistant Vice President, Wealth Management Associate
Phone:
(314) 889-9814(314) 889-9814
About Daniel Naert
As a financial advisor in the St. Louis region, Dan Naert works with individuals, families, businesses, and institutions to deliver services and solutions that help build, preserve, and manage wealth. With over 41 years of experience, he facilitates the design and implementation of small to mid-size employer sponsored retirement plans, ongoing employee education and consulting.
In 2018, Dan joined a select group with fewer than 2% of Morgan Stanley Financial Advisors who have completed the rigorous Family Wealth Director (FWD) certification program. Building on his experience working with ultra-high net worth families, the training Dan received enables him to better assist clients with a broad spectrum of wealth management areas, including:
Business succession planning and monetizing business ownership
Alternative investments
Control and restricted securities
Equity and interest rate risk management
Wealth transfer strategies
Family Governance and Dynamics
Philanthropic Services
The Family Wealth Director designation also allows Dan to access an exceptional group of wealth management professionals across a broad spectrum of needs.
Dan attended Missouri State University and earned a Bachelor of Science in Accounting. Dan served as the treasurer of Forest Park Forever from 1995 through 2006. The “Restoring the Glory” capital campaign has provided for Forest Park’s complete transformation. St. Louisans can take pride in this piece of land we hold so dear.
Dan is an avid golfer and continues to be active with Forest Park Forever.
In 2018, Dan joined a select group with fewer than 2% of Morgan Stanley Financial Advisors who have completed the rigorous Family Wealth Director (FWD) certification program. Building on his experience working with ultra-high net worth families, the training Dan received enables him to better assist clients with a broad spectrum of wealth management areas, including:
Business succession planning and monetizing business ownership
Alternative investments
Control and restricted securities
Equity and interest rate risk management
Wealth transfer strategies
Family Governance and Dynamics
Philanthropic Services
The Family Wealth Director designation also allows Dan to access an exceptional group of wealth management professionals across a broad spectrum of needs.
Dan attended Missouri State University and earned a Bachelor of Science in Accounting. Dan served as the treasurer of Forest Park Forever from 1995 through 2006. The “Restoring the Glory” capital campaign has provided for Forest Park’s complete transformation. St. Louisans can take pride in this piece of land we hold so dear.
Dan is an avid golfer and continues to be active with Forest Park Forever.
Securities Agent: NC, MN, DE, WA, NM, DC, KY, KS, WY, IN, IL, ID, CT, AL, UT, OR, GA, TX, TN, SC, CA, AZ, VA, MD, MA, LA, FL, WI, CO, NH, MO, MI, AR, PA, OK, OH, NY, NJ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279514
CA Insurance License #: 0G84927
NMLS#: 1279514
CA Insurance License #: 0G84927
About Richard Winson
Dave brings more than 31 years investment experience to our group. His responsibilities include money management and mutual fund analysis as well as asset allocation and technical research. Dave’s extensive knowledge of risk management aids our clients in implementing investment strategies that are built around an understanding of how diverse investment instruments change the overall volatility in a portfolio.
Dave graduated from McKendree University with degrees in Business Administration and Finance. He continues his professional education attending various investment conferences and academic studies.
Dave’s hobbies include golfing, boating, skiing and swimming with his family.
Dave graduated from McKendree University with degrees in Business Administration and Finance. He continues his professional education attending various investment conferences and academic studies.
Dave’s hobbies include golfing, boating, skiing and swimming with his family.
Securities Agent: ID, GA, VA, UT, WY, WA, TN, WI, SC, NC, OH, NY, AL, TX, PA, OR, NJ, LA, KS, AZ, MI, KY, DC, NM, NH, MD, CA, AR, CT, WV, MN, IL, FL, CO, DE, OK, MO, MA, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255563
CA Insurance License #: 0G84934
NMLS#: 1255563
CA Insurance License #: 0G84934
About Kimberly Akuna
With nine years in the finance industry and decades of experience managing logistics across luxury hospitality, real estate development, media, and healthcare, Kimberly builds relationships with people who value integrity, meaningful connection, community, and family—and who want to create positive change.
Kimberly takes a people-first approach grounded in empathy, education, and support. She works closely with clients, especially those navigating dementia-related planning, the sandwich generation, single parenting, and blended family dynamics, or the transition into retirement—to clarify what matters most and build a financial roadmap aligned to their goals. Her planning process incorporates strategic, big-picture investment guidance and tax-aware investment planning, designed to adapt as life evolves.
Her areas of focus include transparent, goal-based and retirement planning, cash-flow and education planning, portfolio construction, and business-owner planning, along with estate planning coordination in collaboration with attorneys and CPAs. Kimberly offers both comprehensive and modular service options to help meet clients where they are.
Kimberly attended The George Washington University School of Business with dual concentrations in International Business and Tourism, Hospitality and Sport Event Management. She also holds certifications in multiple modalities of yoga and mindfulness and has been a dedicated yoga practitioner for more than 25 years.
Kimberly lives in Saint Charles, Missouri with her daughter and a menagerie of animals. Outside of work, she enjoys time with family and community, golfing, gardening, outdoor music, yoga and acroyoga, and exploring the outdoors through overlanding and camping.
Kimberly takes a people-first approach grounded in empathy, education, and support. She works closely with clients, especially those navigating dementia-related planning, the sandwich generation, single parenting, and blended family dynamics, or the transition into retirement—to clarify what matters most and build a financial roadmap aligned to their goals. Her planning process incorporates strategic, big-picture investment guidance and tax-aware investment planning, designed to adapt as life evolves.
Her areas of focus include transparent, goal-based and retirement planning, cash-flow and education planning, portfolio construction, and business-owner planning, along with estate planning coordination in collaboration with attorneys and CPAs. Kimberly offers both comprehensive and modular service options to help meet clients where they are.
Kimberly attended The George Washington University School of Business with dual concentrations in International Business and Tourism, Hospitality and Sport Event Management. She also holds certifications in multiple modalities of yoga and mindfulness and has been a dedicated yoga practitioner for more than 25 years.
Kimberly lives in Saint Charles, Missouri with her daughter and a menagerie of animals. Outside of work, she enjoys time with family and community, golfing, gardening, outdoor music, yoga and acroyoga, and exploring the outdoors through overlanding and camping.
Securities Agent: IL, IN, VA, NY, NH, KS, NM, MN, MI, CO, AR, WI, KY, CA, WY, WA, SC, PA, CT, AZ, UT, NJ, MD, FL, TX, TN, OR, OK, OH, NC, DC, MO, ID, AL, NE, GA, DE, MA, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2483743
NMLS#: 2483743
About Lisa Merz
Fax: +1 314 450 8282
About Amy Olvitt
Amy Olvitt has 33 years of financial industry experience. She graduated from University City High School and began her career at AG Edwards in 1990 on the fixed income desk. In 1997 she moved to a local branch to work with the Institutional Sales Group. In 2012 she joined Morgan Stanley with an Institutional Sales Team. Amy has received her Series 7, 63 and 65 certifications.
She is celebrating 26 years of marriage to James and is the proud mother of 2 adult children and grandmother to an amazing granddaughter. She also shares her life with 4 Border Collies, a German Shepherd and a small menagerie of other animals.
Amy’s hobbies include, dog sports (disc, nose work and dock diving), reading, cross stitching, camping and spending time with her family and dogs.
She is celebrating 26 years of marriage to James and is the proud mother of 2 adult children and grandmother to an amazing granddaughter. She also shares her life with 4 Border Collies, a German Shepherd and a small menagerie of other animals.
Amy’s hobbies include, dog sports (disc, nose work and dock diving), reading, cross stitching, camping and spending time with her family and dogs.
Contact Daniel Naert
Contact Richard Winson
Contact Kimberly Akuna
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
Iran Conflict: Seven Takeaways for Investors
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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
Ready to start a conversation? Contact WNW Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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 (“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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
2Morgan 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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 (“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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
