Caroline Morris, Fort Myers
Portfolio Associate
Phone:
(239) 432-1302(239) 432-1302
Aaron P. White, CFP®, CEPA®
Executive Director,
Financial Advisor,
Senior Portfolio Management Director,
Alternative Investments Director
Direct:
(239) 432-5268(239) 432-5268
My Mission Statement
We work alongside our clients to help them build, maintain, and transition their wealth through life’s ups and downs. The core of our relationship is focusing on long-term, planning-based solutions and never losing sight of what your wealth means to you and what your definition of success is.
Aaron's Story
Aaron brings a wealth of experience to his role as a Certified Financial PlannerTM (CFP®), Certified Exit Planning Advisor (CEPA®), Senior Portfolio Management Director, and Alternative Investment Director. Since 2003, Aaron has been empowering clients to live a better life and aims to be their first call for anything financial. His extensive background allows him to provide a broad array of services – from diversifying an investment portfolio to generating an income stream in retirement to helping small businesses create liquidity. He loves working with people and sharing insights to help them reach a goal or simplify their finances. For Aaron, being a Financial Advisor is not just his profession, it’s his life.
Aaron has always been fascinated by the financial markets, the economy, and how it all works together. A native Floridian and graduate of the Warrington College of Business Administration at The University of Florida, Aaron began his financial services career in 2003 at UBS Financial Services. Six years later, he joined Morgan Stanley. Today, Aaron enjoys collaborating with his co-workers to bring personalized solutions to each of their clients. He loves managing portfolios and remaining actively involved in the markets.
As a Certified Financial PlannerTM (CFP®), Aaron has built a successful practice advising clients on how to better understand and manage their total financial picture. It gives him great satisfaction knowing he is helping families build plans to navigate the ups and downs of today’s financial markets, while enhancing the quality of their lives. For his focus and commitment to his clients, Aaron has been named to Morgan Stanley’s Century Club and is a current member of the firm’s Masters Club, two elite groups composed of Morgan Stanley’s top Financial Advisors.
As a Certified Exit Planning Advisor (CEPA®), Aaron has helped advise businesses on how to exit and create liquidity for themselves and their family while creating a legacy for the next generation.
A strong believer in paying it forward, Aaron is active in giving back to his community. Over the years, he has volunteered at many organizations, including the Ronald McDonald House and Our Mother’s Home. Aaron currently spends most of his philanthropic activity with Valerie’s House, an organization that he and his wife Amber are passionate about. He is very involved with his church community and is a former board member and president of St. Francis Xavier Catholic School Advisory School. Aaron also served as a board member of the Fort Myers symphonic Master Singers.
Aaron believes balance is vital to a happy life. He and his wife, Amber, live in Fort Myers with their two daughters, Emily and Aubrey, and their two pups, Diamond and Redd. Outside of the office, Aaron enjoys a wide array of activities from running and weightlifting to playing tennis, boating, and going to the beach with his family. A big history buff, Aaron loves reading books about people who made significant contributions to society as they serve as an inspiration to him to continue to do good work for his clients and his community.
-Forbes Best-In-State 2023 & 2024 Advisors
-Member of Morgan Stanley's Master Club 2020-2023
-Member of Morgan Stanley's Century Club 2019
2023-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Aaron has always been fascinated by the financial markets, the economy, and how it all works together. A native Floridian and graduate of the Warrington College of Business Administration at The University of Florida, Aaron began his financial services career in 2003 at UBS Financial Services. Six years later, he joined Morgan Stanley. Today, Aaron enjoys collaborating with his co-workers to bring personalized solutions to each of their clients. He loves managing portfolios and remaining actively involved in the markets.
As a Certified Financial PlannerTM (CFP®), Aaron has built a successful practice advising clients on how to better understand and manage their total financial picture. It gives him great satisfaction knowing he is helping families build plans to navigate the ups and downs of today’s financial markets, while enhancing the quality of their lives. For his focus and commitment to his clients, Aaron has been named to Morgan Stanley’s Century Club and is a current member of the firm’s Masters Club, two elite groups composed of Morgan Stanley’s top Financial Advisors.
As a Certified Exit Planning Advisor (CEPA®), Aaron has helped advise businesses on how to exit and create liquidity for themselves and their family while creating a legacy for the next generation.
A strong believer in paying it forward, Aaron is active in giving back to his community. Over the years, he has volunteered at many organizations, including the Ronald McDonald House and Our Mother’s Home. Aaron currently spends most of his philanthropic activity with Valerie’s House, an organization that he and his wife Amber are passionate about. He is very involved with his church community and is a former board member and president of St. Francis Xavier Catholic School Advisory School. Aaron also served as a board member of the Fort Myers symphonic Master Singers.
Aaron believes balance is vital to a happy life. He and his wife, Amber, live in Fort Myers with their two daughters, Emily and Aubrey, and their two pups, Diamond and Redd. Outside of the office, Aaron enjoys a wide array of activities from running and weightlifting to playing tennis, boating, and going to the beach with his family. A big history buff, Aaron loves reading books about people who made significant contributions to society as they serve as an inspiration to him to continue to do good work for his clients and his community.
-Forbes Best-In-State 2023 & 2024 Advisors
-Member of Morgan Stanley's Master Club 2020-2023
-Member of Morgan Stanley's Century Club 2019
2023-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WA, MN, MA, NH, TN, OK, WI, VT, VA, TX, SC, PA, OR, OH, NY, NJ, NE, NC, MO, MI, ME, MD, LA, KS, IN, IL, IA, GA, FL, DE, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1270084
NMLS#: 1270084
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
SUITE OF SERVICES
Financial Planning
My approach to financial planning combines high-touch advisory services with Morgan Stanley's Modern Wealth Management tools, providing clients with a comprehensive and adaptive financial roadmap. This process is designed to be flexible, allowing you to meet your changing needs and support your long-term financial being.
Retirement Planning
One of my key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, I will help you manage the complexities of your comprehensive assets, helping you easily transition to the next phase of your life with a sense of security and confidence.
Business Succession Planning
As a CEPA®, I am passionate about supporting small business owners as they work hard to build, grow, and eventually transition their businesses. If you're a business owner thinking about your company's future, let's connect and discuss strategies for a successful exit when the time is right.
Portfolio Management
With a deep understanding of unique financial goals, risk tolerance, and investment horizon, we guide each client through strategic decisions that align with their personal objectives. Our goal is to manage your risk, while capitalizing on opportunities for growth.
Alternative Investments
Explore investments beyond traditional portfolios. With unmatched experience, scale, and reach across our vast global network, Morgan Stanley is an industry leader in alternative investments-providing access to exclusive offerings, preeminent fund managers and innovative investment opportunities.
An Industry-Leading Alternative Investments Platform
Our comprehensive strategies, diverse talent and global resources enable us to offer investment opportunities that can help qualified investors enhance returns, reduce volatility, manage taxes, and generate income.
- A curated platform of alternative investment offerings spanning a broad range of vehicles across the liquidity spectrum, including private equity, private credit, real assets, hedge funds, and more
- Invest directly in private companies through Morgan Stanley's Private Markets platform
- First look and exclusive access to funds that may otherwise only be available to institutional investors
- Generally lower investment minimums and institutional-level pricing negotiated across asset classes
- Comprehensive and rigorous diligence process driven by qualitative and quantitative frameworks and overseen by a committee of senior investment, risk, legal, and compliance professionals
- World-class research adheres to a rigorous due diligence process to provide product-agnostic advice
ADVISING SUCCESSFUL BUSINESS OWNERS
As a Certified Exit Planning Advisor (CEPA®), Aaron has helped numerous business owners analyze their options for selling their companies at favorable terms and determine how much they will really need from a sale to support their desired lifestyle. We have worked with a number of successful business owners and their attorneys, accountants, and other advisors to integrate their succession plan with their overall finances and help them understand the many alternatives available to them
- A deep introspective look at personal and business goals of the owner and family, the company, and the company's employees
- A strategic plan in advance of the exit and provides the business owner greater control in timing an exit
- Knowledgeable advisors at critical stages of the succession planning process (legal, structuring, valuation, tax, estate, wealth planning, etc.)
- Quarterback the transaction from start to finish
- Gather objective information regarding all strategic alternatives
- Gain access to business transition professionals
- Position key advisors where needed at appropriate times within the process
The Problem
Over 23 million private businesses in America have a significant portion of their owners nearing retirement age within the next two decades. Succession planning is a pressing issue that oftentimes is overlooked or reactionary, not a well thought out, pro-active process.
Keys to achieving a successful exit plan include:
The Solution
Morgan Stanley can assist business owners throughout a sale or other exit process with an impartial view of the options available within the current capital markets and…
MANAGING YOUR MONEY IN A DIGITAL WORLD
Digital technology is centered on how people communicate, consume, transact, and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Location
7811 University Pointe Drive
Ft. Myers, FL 33907
US
Direct:
(239) 432-5268(239) 432-5268
Meet My Team
About Caroline Morris
As a Portfolio Associate with over 15 years of industry experience, Caroline focuses on building strong client relationships and providing superior service. A consummate professional, she is often the first line of contact on a wide range of client questions and requests. Caroline is involved in all aspects of client service – from opening new accounts, to executing trades and cash transfers, to the development of financial plans. She joined Morgan Stanley in 2020.
Growing up in Livonia, New York as the oldest of nine children, Caroline understands the importance of being organized and making a plan. She brings these strengths to her role as a Senior Registered Associate. A graduate of the University of South Florida, Caroline holds her FINRA Series 7, 9/10, 63 and 65 licenses. Prior to joining Morgan Stanley in 2020, Caroline worked at Charles Schwab for eleven years.
Today, Caroline calls Fort Myers her home, where she lives with her partner, Brett, and his two daughters. Favorite leisure activities include spending time with family, photography, reading and being on the water, whether at the beach or in a boat.
Growing up in Livonia, New York as the oldest of nine children, Caroline understands the importance of being organized and making a plan. She brings these strengths to her role as a Senior Registered Associate. A graduate of the University of South Florida, Caroline holds her FINRA Series 7, 9/10, 63 and 65 licenses. Prior to joining Morgan Stanley in 2020, Caroline worked at Charles Schwab for eleven years.
Today, Caroline calls Fort Myers her home, where she lives with her partner, Brett, and his two daughters. Favorite leisure activities include spending time with family, photography, reading and being on the water, whether at the beach or in a boat.
Wealth Management
Global Investment Office
Portfolio Insights
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.
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Aaron P. White 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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)
