Azita Salam, QPFC
Associate Vice President,
Financial Advisor,
Financial Planning Specialist
Direct:
(949) 760-2438(949) 760-2438
Toll-Free:
(800) 927-2292(800) 927-2292
My Mission Statement
Guiding your financial journey towards the retirement you envision.
My Story and Services
Azita Salam is a seasoned financial advisor situated at Morgan Stanley's Newport Beach office, boasting a career spanning since 1990 within the financial services industry.
Demonstrating an unwavering dedication, she cultivates enduring relationships with her clients.
Azita leads with pillars of trust, integrity, transparency, and steadfast commitment to delivering unparalleled client experiences.
Leveraging the robust resources of Morgan Stanley, she offers pragmatic solutions and tailored strategies to empower clients in reaching their financial objectives.
Azita collaborates with individuals and families to harmonize their lifestyles and values with their financial aspirations. She firmly believes in the indispensability of a comprehensive financial planning process for effective wealth management.
Azita draws inspiration from her upbringing, observing her mother's entrepreneurial journey.
Proficient in solution finding, cash flow management and optimizing ancillary services. Azita offers invaluable support to her clients.
Holding a BA in Business Administration from National University, she further honed her expertise by completing the Qualified Plan Financial Consultant program (QPFC) with the National Association of Plan Advisors.
In 2015, she earned her Financial Planning certificate from Pepperdine University.
Azita and her spouse, Royal, reside in San Juan Capistrano. Outside of her professional endeavors, she finds solace in cooking, hiking, traveling, and indulging in the therapeutic practice of gardening.
Demonstrating an unwavering dedication, she cultivates enduring relationships with her clients.
Azita leads with pillars of trust, integrity, transparency, and steadfast commitment to delivering unparalleled client experiences.
Leveraging the robust resources of Morgan Stanley, she offers pragmatic solutions and tailored strategies to empower clients in reaching their financial objectives.
Azita collaborates with individuals and families to harmonize their lifestyles and values with their financial aspirations. She firmly believes in the indispensability of a comprehensive financial planning process for effective wealth management.
Azita draws inspiration from her upbringing, observing her mother's entrepreneurial journey.
Proficient in solution finding, cash flow management and optimizing ancillary services. Azita offers invaluable support to her clients.
Holding a BA in Business Administration from National University, she further honed her expertise by completing the Qualified Plan Financial Consultant program (QPFC) with the National Association of Plan Advisors.
In 2015, she earned her Financial Planning certificate from Pepperdine University.
Azita and her spouse, Royal, reside in San Juan Capistrano. Outside of her professional endeavors, she finds solace in cooking, hiking, traveling, and indulging in the therapeutic practice of gardening.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Sustainable InvestingFootnote3
- Wealth ManagementFootnote4
- Cash Management and Lending ProductsFootnote5
- LGBT+ Planning ServicesFootnote6
- 401(k) Rollovers
- Corporate Pension Plans
- Stock Option PlansFootnote7
- Planning for Education FundingFootnote8
- AnnuitiesFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
Securities Agent: MT, CO, NM, MO, CA, OR, FL, NY, HI, AL, TN, IN, AZ, IL, LA, TX, GA, WA, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1520229
CA Insurance License #: 0E72599
NMLS#: 1520229
CA Insurance License #: 0E72599
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education
. B.A. Business Administration, National University, Irvine
. The Executive Certificate in Financial Planning, Graziadio School of Business
and Management, Pepperdine University
. Qualified Plan Financial Consultant, National Association of Plan Advisors
. Financial Planning Specialist, Kaplan Financial
. Series 7, General Securities Representative
. Series 63, Uniform Securities Law
. Series 65, Investment Advisor Representative
. State of California Life, Long Term Care, and Annuity Licensed (#0E72599)
. The Executive Certificate in Financial Planning, Graziadio School of Business
and Management, Pepperdine University
. Qualified Plan Financial Consultant, National Association of Plan Advisors
. Financial Planning Specialist, Kaplan Financial
. Series 7, General Securities Representative
. Series 63, Uniform Securities Law
. Series 65, Investment Advisor Representative
. State of California Life, Long Term Care, and Annuity Licensed (#0E72599)
Experience
2011- Present : Morgan Stanley
Financial Advisor
Qualified Plan Financial Consultant
Financial Planning Specialist
Newport Beach, CA
2005-2011 : Merrill Lynch, Pierece, Fenner & Smith Limited
Compliance Officer Associate
Newport Beach, CA
2000-2005 : A.G. Edwards & Sons, Inc.
Operations Manager
Orange, CA
Financial Advisor
Qualified Plan Financial Consultant
Financial Planning Specialist
Newport Beach, CA
2005-2011 : Merrill Lynch, Pierece, Fenner & Smith Limited
Compliance Officer Associate
Newport Beach, CA
2000-2005 : A.G. Edwards & Sons, Inc.
Operations Manager
Orange, CA
When the markets turn as volatile and confusing as they have over the past several years, even the most educated and patient investors may come to question the wisdom of the financial plan and the investment strategy that they've been following.
At Morgan Stanley we have seen a lot of difficult markets come and go. And we can certainly empathize with those who find the current environment troublesome and disturbing. We like to help, if we can and to that end here's what we offer:
A cup of coffee...and a second opinion.
By appointment, you're welcome to come in and sit with us for a while. In a mutual discovery meeting, we'll ask you to outline your financial goals-and to tell us what your investment portfolio is intended to do for you. Then we'll review your portfolio with you, as it relates to the achievement of your most deeply held goals.
If we think your financial plan and your investment continue to be well suited to your long term goals - in spite of the current market turmoil - we'll gladly tell you so, and send you on your way.
If on the other hand, we think some of your investments and your long-tern plan for your assets no longer fits with your goals, we'll explain why, in plain English. And, if you like, we'll recommend some alternatives.
We're certain that while meeting with us, you'll quickly realize that you're in the company of well credentialed professionals- not sales people.
Either way, the coffee is on us.
Call us today at 949.760.2438 to schedule an appointment.
At Morgan Stanley we have seen a lot of difficult markets come and go. And we can certainly empathize with those who find the current environment troublesome and disturbing. We like to help, if we can and to that end here's what we offer:
A cup of coffee...and a second opinion.
By appointment, you're welcome to come in and sit with us for a while. In a mutual discovery meeting, we'll ask you to outline your financial goals-and to tell us what your investment portfolio is intended to do for you. Then we'll review your portfolio with you, as it relates to the achievement of your most deeply held goals.
If we think your financial plan and your investment continue to be well suited to your long term goals - in spite of the current market turmoil - we'll gladly tell you so, and send you on your way.
If on the other hand, we think some of your investments and your long-tern plan for your assets no longer fits with your goals, we'll explain why, in plain English. And, if you like, we'll recommend some alternatives.
We're certain that while meeting with us, you'll quickly realize that you're in the company of well credentialed professionals- not sales people.
Either way, the coffee is on us.
Call us today at 949.760.2438 to schedule an appointment.
Location
800 Newport Center Dr.
Ste 500
Newport Beach, CA 92660
US
Direct:
(949) 760-2438(949) 760-2438
Toll-Free:
(800) 927-2292(800) 927-2292
Fax:
(949) 640-6124(949) 640-6124
Wealth Management
From My Desk
Tax-Smart Strategies for Your Retirement
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
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
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
Are You Prepared for Tax Day?
Article Image
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
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
Ready to start a conversation? Contact Azita Salam 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.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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
6Morgan 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.
7Morgan 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance 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 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
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.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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
6Morgan 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.
7Morgan 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance 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 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)
