Anupam Johri "AJ"
Managing Director, Wealth Management,
Wealth Advisor
Direct:
(972) 774-6586(972) 774-6586
Toll-Free:
(866) 264-2706(866) 264-2706
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story And Services
Anupam Johri “AJ” is a Managing Director, Wealth Advisor, and leads the The JLD Group at Morgan Stanley. He has 32 years of wealth management experience and has spent his entire career in finance at the firm. AJ has been recognized by Barron’s as a Top Financial Advisor in the US, and by Forbes as a Best-in-State Wealth Advisor.
At the JLD Group, AJ offers an unwavering commitment to using consistent, focused and non-emotional methods when investing. He strives to provide each client with a highly customized investment plan to help ensure they can both enjoy their wealth and remain financially independent for years to come. AJ draws upon his broad knowledge and Morgan Stanley’s vast resources to deliver solutions for a wide variety of needs including financial planning, wealth preservation, asset allocation, retirement, estate planning strategies,
and related issues.
AJ earned a Bachelor of Engineering degree in Chemical Engineering from the prestigious Indian Institute of Technology at Roorkee, India. He later came to the US and earned a MBA with a specialization in Finance from the West Texas A&M University. After graduation, he started with Morgan Stanley and has been with the company for the last 32 years. He has also completed the Senior Financial Advisor Program at the Wharton School of Business at the University of Pennsylvania in 2007.
He has been recognized by Forbes as one of the Top Wealth Advisors in Texas from 2018-2025. He was also named by Barron’s as one of the top Financial Advisors in the US for the years 2014-2023, and 2025. For the years 2009-2018, 2020-2023, and 2025, AJ has been recognized as a member of Morgan Stanley’s President’s Club which distinguishes the firm’s top financial advisors. In 2019, AJ was recognized as a member of Morgan Stanley's prestigious Chairman's Club.
AJ has lived in Texas for 32 years. He is married to his wife, Karyna, and they have three children: Amber, Tony and Elsita. AJ is an avid sports fan and loves to root on the Dallas Cowboys. He also enjoys spending time with his mother and sister who live in India.
At the JLD Group, AJ offers an unwavering commitment to using consistent, focused and non-emotional methods when investing. He strives to provide each client with a highly customized investment plan to help ensure they can both enjoy their wealth and remain financially independent for years to come. AJ draws upon his broad knowledge and Morgan Stanley’s vast resources to deliver solutions for a wide variety of needs including financial planning, wealth preservation, asset allocation, retirement, estate planning strategies,
and related issues.
AJ earned a Bachelor of Engineering degree in Chemical Engineering from the prestigious Indian Institute of Technology at Roorkee, India. He later came to the US and earned a MBA with a specialization in Finance from the West Texas A&M University. After graduation, he started with Morgan Stanley and has been with the company for the last 32 years. He has also completed the Senior Financial Advisor Program at the Wharton School of Business at the University of Pennsylvania in 2007.
He has been recognized by Forbes as one of the Top Wealth Advisors in Texas from 2018-2025. He was also named by Barron’s as one of the top Financial Advisors in the US for the years 2014-2023, and 2025. For the years 2009-2018, 2020-2023, and 2025, AJ has been recognized as a member of Morgan Stanley’s President’s Club which distinguishes the firm’s top financial advisors. In 2019, AJ was recognized as a member of Morgan Stanley's prestigious Chairman's Club.
AJ has lived in Texas for 32 years. He is married to his wife, Karyna, and they have three children: Amber, Tony and Elsita. AJ is an avid sports fan and loves to root on the Dallas Cowboys. He also enjoys spending time with his mother and sister who live in India.
Securities Agent: WA, IL, TX, SC, MA, KS, GA, WY, OR, OH, MS, VI, NM, LA, VA, UT, PA, MO, MN, MI, AZ, AR, TN, NJ, NC, IA, FL, AK, HI, CO, KY, NV, MT, ID, NE, CA, OK, NY, ND; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301117
NMLS#: 1301117
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
Morgan Stanley
Financial Advisor: June 1993-December 1996
Associate Vice President: January 1997-December 1998
Vice President: January 1999-December 2000
First Vice President: January 2001-December 2001
Senior Vice President: January 2002-December of 2013
Executive Director: January 2014-December 2018
Managing Director: January 2019-Present
Financial Advisor: June 1993-December 1996
Associate Vice President: January 1997-December 1998
Vice President: January 1999-December 2000
First Vice President: January 2001-December 2001
Senior Vice President: January 2002-December of 2013
Executive Director: January 2014-December 2018
Managing Director: January 2019-Present
Honors & Awards
Forbes Best-In-State Wealth Advisor 2018-2025
"AJ" Anupam Johri named a (2018-2025) Forbes Best-In-State Wealth Advisor for Texas.
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
View DisclosuresSource: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1200 Financial Advisors 2014-2023, 2025
"AJ" recognized by Barron's as a Top 1200 Financial Advisor in the nation.
2014-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023,2024, 2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
View Disclosures2014-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023,2024, 2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Morgan Stanley President's Club Member
"AJ" has been a member of Morgan Stanley's prestigious Presidents Club every year from 2009-2018, and again in 2020-2023 & 2025.
Morgan Stanley Chairman's Club Member
AJ was named a member of the Morgan Stanley's Chairman's Club in 2019.
Real Advice Focused On You
Most people prefer to work with someone who is well-versed in their particular circumstances – someone they can trust to be there when they need them. At the JLD Group at Morgan Stanley, I work with a large demographic of individuals and families from all over the country helping guide them through the financial planning process. I have extensive experience with company benefit plans as well as taking a strong position in helping you achieve your retirement goals. My team serves hundreds of clients with unique needs and backgrounds. In order to do so, we have three full time customer service associates in our office in Dallas, TX, dedicated to servicing your accounts.
Below are some of the types of clients I have dedicated my career to servicing:
• ConocoPhillips and Phillips66 Employees
• Employees and Executives in the Energy Sector
• Pre Retirees in need of rollover services
• Retirees looking to maximize their retirement income
• Individuals and families in need of comprehensive financial planning
Below are some of the types of clients I have dedicated my career to servicing:
• ConocoPhillips and Phillips66 Employees
• Employees and Executives in the Energy Sector
• Pre Retirees in need of rollover services
• Retirees looking to maximize their retirement income
• Individuals and families in need of comprehensive financial planning
How I Help
- Comprehensive Financial Planning
- Investment Management
- Rollover IRAs
- Maximize Employee Benefit Programs
- Tax Efficient Distribution Strategies in Retirement
- Alternative Investment Strategies
- Risk Management
- Working With Your CPA and Estate Attorney
Helping You Before, During, and After Retirement
I specialize in helping my clients create a plan for before, during, and post retirement. Being able to retire comfortably and meet your income needs is a primary goal for many clients and I am able to help you achieve this goal.
Before Retirement
Before retirement you are focused on earning and investing enough funds to be able to retire. I am able to help craft a tailored financial plan with this goal in mind. Whether you are changing jobs, or looking to move funds, I am able to handle all of your rollover needs. I am then able to manage these assets and integrate your company’s retirement plan into our overall strategy to make sure you are on track throughout this process.
During retirement
When you have made it to this stage, Congratulations! You have been able to acquire enough assets to be able to retire from your job and focus on friends, family, hobbies, travel, etc. However, the work with your finances does not end here. As we continue to manage your assets, I look further than asset protection and growth. With my expertise and some of the technology Morgan Stanley has to offer, I am able to make sure you pull an income efficiently from your investment accounts to live off of. By making sure we optimize your withdrawal strategy, I can help mitigate tax consequences as well as not sacrifice long term growth of your portfolio.
After Retirement
After you have lived a long fruitful life, you start to look to what you are leaving behind. Many of my clients want to make sure their family is taken care of as well as leave a lasting legacy. I am able to coordinate with your estate attorneys and work alongside you to make sure your hard earned wealth passes to the next generation. I also work with your heirs to ensure they have the financial literacy needed to maintain your wealth. I will also help with any charitable giving and gifting goals you may have to make sure that your wealth transfers according to your needs and goals.
Client Service Team
Karyna Johri - Team Administrator
Phone:
(972) 450-6674(972) 450-6674
Email:karyna.johri@morganstanley.com
Karyna has rejoined the team after several years, bringing a renewed passion for serving clients and contributing to the continued success of the practice. Having been part of the firm since its early days, Karyna played a key role in building the foundation of the business 31 years ago. Over the years, many clients have maintained a lasting relationship and have also shared in their own journey of watching each other’s families grow. Karyna is a dedicated mother of three, with two independent children and one still in High School. Now ready to return to the professional world, she is eager to bring her leadership skills and fresh perspective to be a part of this dynamic team.
Karyna holds a Master of Business Administration from West Texas A&M University and brings a wealth of experience in business strategy and client relations. Beyond professional endeavors, Karyna enjoys playing chess, swimming, and taking on challengers in ping pong and pickleball. An avid traveler, she finds joy in exploring new destinations and cultures. Karyna is excited to be back, reconnecting with familiar faces and continuing to provide the exceptional service and dedication that have been the cornerstone of the practice for over three decades.
Karyna holds a Master of Business Administration from West Texas A&M University and brings a wealth of experience in business strategy and client relations. Beyond professional endeavors, Karyna enjoys playing chess, swimming, and taking on challengers in ping pong and pickleball. An avid traveler, she finds joy in exploring new destinations and cultures. Karyna is excited to be back, reconnecting with familiar faces and continuing to provide the exceptional service and dedication that have been the cornerstone of the practice for over three decades.
Alicia Morris - Portfolio Associate
Phone:
(972) 774-6587(972) 774-6587
Email:alicia.morris@morganstanley.com
Alicia joined our team in 2017 and currently holds her Series 7 & 66 licenses. She helps streamline the administrative functions for the team in her role as a Portfolio Associate. She strives to provide exceptional client service when answering questions or providing support. Alicia loves to take every opportunity to get to know each client personally. In addition, Alicia holds a bachelor’s degree in business administration from Midwestern State University with a concentration in Finance.
Outside of work Alicia enjoys spending time with her husband, Tanner and her two sons, Weston and Jett. They love being active outside and to travel to see new places. Alicia has lived in the Dallas area for the past ten years and is originally from Wichita Falls. Being that Wichita Falls is only a short drive from Dallas, she takes every opportunity to visit her family and friends that still live there.
Outside of work Alicia enjoys spending time with her husband, Tanner and her two sons, Weston and Jett. They love being active outside and to travel to see new places. Alicia has lived in the Dallas area for the past ten years and is originally from Wichita Falls. Being that Wichita Falls is only a short drive from Dallas, she takes every opportunity to visit her family and friends that still live there.
Patrick McDermott - Client Service Associate
Phone:
(972) 774-6571(972) 774-6571
Email:patrick.mcdermott@morganstanley.com
Patrick joined the team in December 2024 and currently holds his Series 7, 63 and 65 licenses. After graduating from University of Texas, with a B.A. in Economics, Business minor, and a German Language Certificate, Patrick immediately began a career in the investment industry. He became highly experienced at his old firm in workplace retirement plans such as 401ks, pensions, and deferred compensation plans. However, he was thrilled when an opportunity arose at Morgan Stanley for our team - and he turned out to be a great fit!
While Patrick settles into his new position, in his free time, he can be found going down to Austin to cheer on the Texas Longhorns or waking up early Saturday mornings to watch Bayern Munich soccer. As a North Texas native, Patrick enjoys spending time with family like playing pickleball with his father around the DFW area, trying new recipes or going to new restaurants, and walking the Katy Trail when the crazy Dallas weather permits.
While Patrick settles into his new position, in his free time, he can be found going down to Austin to cheer on the Texas Longhorns or waking up early Saturday mornings to watch Bayern Munich soccer. As a North Texas native, Patrick enjoys spending time with family like playing pickleball with his father around the DFW area, trying new recipes or going to new restaurants, and walking the Katy Trail when the crazy Dallas weather permits.
Location
5001 Spring Valley Rd
Ste 900W
Dallas, TX 75244
US
Direct:
(972) 774-6586(972) 774-6586
Toll-Free:
(866) 264-2706(866) 264-2706
Fax:
(972) 774-6642(972) 774-6642
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
Rational Investing in an Age of Uncertainty
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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 Anupam Johri "AJ" 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative 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.
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
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative 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.
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)
