Our Story and Services

With over 49 years of combined experience in financial services, The Atlantic Cornerstone Group is dedicated to helping clients achieve their financial goals. Our approach is built on three pillars: planning, investment management, and an ongoing service commitment that ensures we are with you every step of the way.

We focus on what truly matters to you, developing personalized strategies tailored to your unique needs and goals. Life is unpredictable, and we take pride in offering the expertise and adaptability needed to guide you through both planned milestones and unexpected challenges.

Our specialties include wealth management and retirement planning for individuals, families, business owners, executives, and corporate retirement plan participants. With a commitment to customized, comprehensive solutions, we aim to simplify complex financial matters and provide a clear path forward.

Our process begins with an in-depth conversation about your current financial situation and long-term objectives. Through careful planning, we uncover overlooked opportunities, address potential gaps, and create a strategy that adapts to life’s changes. With expert investment management, we focus on growing and protecting your wealth, while our ongoing service commitment ensures you stay informed, aligned, and prepared for the unexpected.

Let’s start the conversation about how we can help you and your family secure a brighter financial future. Contact one of us today to begin.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Your Success, Our Process

Tab Image

Digital Tools and Resources

As a client of Morgan Stanley Wealth Management, you have access to a wide array of digital tools and resources designed to enhance every aspect of your financial life. Here are a few of the technologies we offer to our clients:

    Morgan Stanley Online (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    Morgan Stanley Online

    Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.

    Register for Morgan Stanley Online Today
    Icon Image
    Total Wealth View

    Securely housed within Morgan Stanley Online, Total Wealth View allows you to link accounts from other institutions. It gives you a more complete view of your financial picture and will help us make better decisions with respect to your goal planning. By updating your information in real time, it eliminates the inconvenience of having to provide statements and ensures that we are making decisions based on a full and timely financial picture.

    Link Your Accounts
    Digital Vault - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    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.

    Get Started Today
    eDelivery - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    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.

    Enroll Today
    Portfolio Risk Platform (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    Portfolio Risk Platform

    Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.

    Portfolio Risk Platform
    Financial Planning - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    Financial Planning

    Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.

    Morgan Stanley Goals-Based Wealth Management
    Donor Advised Funds (DAF) - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    Donor Advised Funds (DAF)

    A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).

    MS GIFT
    529 Education Savings Plans - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    529 Education Savings Plans

    529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.

    529 Plan Options at Morgan Stanley
    Alternative Investments - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    Alternative Investments

    Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.

    Morgan Stanley Alternative Investments
    Icon Image
    Private Markets

    Many of today's companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.

    Morgan Stanley Private Markets
    Structured Investments (photo) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    Structured Investments

    Customized investment strategies —such as yield enhancement strategies and risk mitigation strategies —that serve as powerful allocation tools in modern portfolios.

Location

1200 S Pine Island Rd
Ste 800
Plantation, FL 33324
US
Direct:
(954) 423-9100(954) 423-9100

Meet ACG - The Atlantic Cornerstone Group at Morgan Stanley

About Christopher Upton

A South Florida native, Chris brings over 25 years of experience in the financial industry. He began his career in 1999 as a Financial Consultant with Merrill Lynch at the Chicago Board of Trade office. From 2002 to 2006, he worked as a Private Banker for Wachovia (now Wells Fargo) before joining Morgan Stanley as a Financial Advisor in 2006.

Academically, Chris earned a Bachelor of Arts degree from Vanderbilt University .

Beyond his professional endeavors, Chris is deeply committed to giving back to the community. He is actively involved with the Plantation Rotary Club, Plantation Athletic League, the Susan G. Komen Foundation, and the Leukemia and Lymphoma Society.

Family plays a central role in Chris’s life. Married to his wife, Lori, since 2004, they have two children and a beloved Labrador Retriever. In his free time, he enjoys traveling, cooking, gardening, staying active, fishing with his son, playing golf, and practicing martial arts, a passion he has pursued for over 30 years.
Securities Agent: KY, NJ, HI, FL, CA, TN, CT, AK, PA, NC, MA, GA, TX, AZ, WY, WA, VA, LA, SC, MO, KS, IL, CO, NY, NV, MD, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288027

About Anthony Tortoriello

An experienced financial professional, Anthony has over 23 years of experience in the industry. He started his career as an advisor at Merrill Lynch in 2002 and later joined Morgan Stanley as a financial advisor in 2011. Originally from Ft. Lauderdale, Florida, he currently resides in Plantation, Florida, with his wife, Kelly, whom he’s been married to since 1998. Together, they share a love for dogs, especially Siberian Huskies, and recently adopted Bella, their current Husky, in early 2024.

Academically, Anthony attended FSU, attained an associate degree in business from Broward Community College, and earned a bachelor’s degree in finance from Florida Atlantic University. His professional qualifications include the Certified Plan Fiduciary Advisor (CPFA) and Certified Retirement Director (CRD) designations, as well as being a Chartered Retirement Planning Counselor (CRPC) and Senior Portfolio Manager Director. These credentials reflect his dedication to staying at the forefront of financial planning and portfolio management.

Beyond his professional life, Anthony is an active community member involved in organizations such as the Masons, Shriners, and the SIFMA Foundation, along with volunteering for Helping Hands. His charity work reflects his broad interests, supporting causes ranging from children’s and animal welfare to health, with affiliations to Children’s Home Society, Shriners Hospitals, Husky Rescue, the Humane Society, the American Cancer Society, and more.

In his downtime, Anthony enjoys relaxing with his wife, playing golf, reading economic and financial literature, and exploring his unique talents, like dog training and writing poetry. Known for his attention to detail and passion for financial data, he continually seeks knowledge to provide his clients with informed strategies for success.
Securities Agent: NC, CA, CO, CT, DC, FL, IL, IN, MA, NJ, NV, NY, OH, SC, TN, TX, VA, WA, WI, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282825

About Hope Turock

Hope is a Senior Registered Client Service Associate. As the person responsible for operational and administrative support, she always strives to deliver red-carpet service to clients. Hope started in the financial services industry in 2018 and joined Morgan Stanley in 2022.

Originally from the New York City area, Hope received her Bachelor of Arts degrees in Economics and Italian Studies and a minor in Hispanic Studies from Brandeis University in 2016. She received her Master of Arts in International Economics and Finance from the same institution in 2017 and then relocated to South Florida. She is trilingual in English, Spanish, and Italian and has some knowledge of French and Catalan. Hope is also a former national-level competitive figure skater and sometimes still competes locally.

About Marla Inman

Marla Inman is a Senior Client Service Associate and has been with Morgan Stanley since 1994.

Marla prides herself on using her experience and varied skill set to provide extraordinary client service by building strong client relationships and resolving client questions and concerns. She also plays an integral part in account maintenance and helps to facilitate client transactions.

Marla is married to her first love, who she met as teenager. She also has an 12 year-old daughter. Outside the office, Marla enjoys spending quality time with her daughter and husband, frequent trips to theme parks, and spending time with family in Philadelphia. In addition, she likes to travel, attend concerts, and to go bowling.

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

About John Fanning

John Fanning is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.

John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
NMLS#: 803783

About Frank Hammad

Frank Hammad is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

Frank began his career in financial services in 2000, and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.

Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Masters in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
NMLS#: 798426

About Leticia Teixeira

Leticia Teixeira, CFP®, CEPA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.

Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple Financial Services firms in Florida including RBC, Itaú and UBS.

Leticia graduated from Florida International University with a B.A. in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her Certified Financial Planner® and Certified Exit Planning Advisor® designations.

Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and 2 children.
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.

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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Article Image

4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Article Image

2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
Article Image

Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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
Article Image

Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
Article Image

Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact ACG - The Atlantic Cornerstone Group at Morgan Stanley today.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

Back to top



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.

Back to top



3Morgan 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.

Back to top



4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

Back to top



5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

Back to top



6Morgan 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.

Back to top



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.

Back to top



8Morgan 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.

Back to top



9Alternative 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.

Back to top



10Morgan 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.

Back to top



11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



13Structured 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.

Back to top



14Morgan 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

Back to top



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), 3582895 (6/2024)