Carina Flores, QPFC
Financial Advisor,
Financial Planning Specialist
Direct:
(480) 922-7977(480) 922-7977
My Mission Statement
Whether you’re running a company, managing a household, or preparing for a change, my role is to bring clarity, guidance, and execution to that process. I believe in fostering a relationship with each client that allows me to build the optimal strategy, not just for where you are now, but for where you are going.
My Story and Services
Wealth is rarely just about money. It's about what you've built, what you want to protect, and who you want to take care of along the way.
I came to financial advisory through an unconventional path, and that dynamic experience is exactly what makes me a better advisor. I served as a relationship manager to the executive leadership of Fortune 500 companies at a global law firm. Then, while attending business school, I became an operator, advising my family's small business through a growth strategy that prepared it for acquisition. Sitting at that table as both a daughter and a strategist taught me something no classroom could. Some decisions change everything. The stakes are financial and emotional at once, and you only get one shot.
My clients are builders, leaders, and dreamers - entrepreneurs, executives, and families. This is the work I was made for.
I hold a Bachelor of Arts in Political Science from the University of Arizona and a Master of Global Management from Thunderbird School of Global Management. I am a member of ACG Arizona Young Dealmakers and ALPFA Phoenix, connected to the entrepreneurs and leaders shaping this region. I also love to travel - experiencing different cultures and economies keeps my perspective on the world vast, and that informs everything I do for my clients.
I came to financial advisory through an unconventional path, and that dynamic experience is exactly what makes me a better advisor. I served as a relationship manager to the executive leadership of Fortune 500 companies at a global law firm. Then, while attending business school, I became an operator, advising my family's small business through a growth strategy that prepared it for acquisition. Sitting at that table as both a daughter and a strategist taught me something no classroom could. Some decisions change everything. The stakes are financial and emotional at once, and you only get one shot.
My clients are builders, leaders, and dreamers - entrepreneurs, executives, and families. This is the work I was made for.
I hold a Bachelor of Arts in Political Science from the University of Arizona and a Master of Global Management from Thunderbird School of Global Management. I am a member of ACG Arizona Young Dealmakers and ALPFA Phoenix, connected to the entrepreneurs and leaders shaping this region. I also love to travel - experiencing different cultures and economies keeps my perspective on the world vast, and that informs everything I do for my clients.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Business PlanningFootnote2
- 401(k) Rollovers
- Stock Option PlansFootnote3
- Trust AccountsFootnote4
- Estate Planning StrategiesFootnote5
- Business Succession PlanningFootnote6
- Corporate Retirement PlansFootnote7
- Corporate Investment SolutionsFootnote8
- Cash Management and Lending ProductsFootnote9
- Alternative InvestmentsFootnote10
Securities Agent: AR, TN, NY, MA, DE, UT, IA, NV, TX, IL, OH, FL, CO, OR, WI, MI, GA, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2292946
CA Insurance License #: 4302538
NMLS#: 2292946
CA Insurance License #: 4302538
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Story, My Guidance
I work with purpose-driven entrepreneurs, established business owners, retirees, and families who want to take control of their financial lives, optimize their business and personal decisions, and prepare for what’s next. I help bring a structured approach to tackling the next challenge on your horizon including: scaling, transitioning, or simply living with more financial confidence.
My approach to wealth management is goals-based planning and rules-based investing. With proper asset allocation and risk mitigation, together we focus on long-term returns along with your personalized strategy using the firm's premier perspectives, insights and vast resources.
My approach to wealth management is goals-based planning and rules-based investing. With proper asset allocation and risk mitigation, together we focus on long-term returns along with your personalized strategy using the firm's premier perspectives, insights and vast resources.
Women
In today's dynamic world, women are increasingly taking charge of their financial destinies. Whether you're advancing in your career, managing the complexities of a household, steering a business towards success, or thoughtfully planning your legacy, I am dedicated to supporting women in achieving financial independence and security. My mission is to empower you to take control of your financial future with clarity and confidence.
I understand that each woman's financial journey is unique, and I am committed to providing personalized guidance tailored to your specific needs and goals. My approach is built on a foundation of education, empowerment, and long-term relationships.
I understand that each woman's financial journey is unique, and I am committed to providing personalized guidance tailored to your specific needs and goals. My approach is built on a foundation of education, empowerment, and long-term relationships.
Rising Professionals and Wealth Builders
Whether you're building wealth through equity compensation, ESOP participation, or rising income as a
medical or corporate professional, I provide guidance to help you turn your earning power into lasting
financial security. I work with individuals navigating key moments in their financial lives such as career
growth, student loan repayment, liquidity events, and long-term planning.
My goal is to bring clarity to areas that often feel overwhelming, including today’s complex student loan
landscape. From choosing the right repayment plan to preparing for potential tax consequences tied to
forgiveness, I help clients move forward with confidence.
medical or corporate professional, I provide guidance to help you turn your earning power into lasting
financial security. I work with individuals navigating key moments in their financial lives such as career
growth, student loan repayment, liquidity events, and long-term planning.
My goal is to bring clarity to areas that often feel overwhelming, including today’s complex student loan
landscape. From choosing the right repayment plan to preparing for potential tax consequences tied to
forgiveness, I help clients move forward with confidence.
Business Owners and Entrepreneurs
I work closely with business owners to align personal financial goals with the day-to-day realities of running and growing a business. Whether you’re focused on maximizing retirement, contributions through 401(k) or cash balance plans, improving business, efficiency, or preparing a future transition or exit, I bring both strategic financial guidance and practical insight.
Having supported owners through growth, succession, and successful exits—including within my own family—I understand how personal and complex these decisions can be. My goal is to simplify what’s often overwhelming and to help you translate years of work into long-term financial freedom for yourself, your family, and your team.
Having supported owners through growth, succession, and successful exits—including within my own family—I understand how personal and complex these decisions can be. My goal is to simplify what’s often overwhelming and to help you translate years of work into long-term financial freedom for yourself, your family, and your team.
Select Institutions
I serve nonprofit organizations, foundations, and endowments, bringing the depth of Morgan Stanley’s
institutional platform directly to your mission.
Through our Outsourced Chief Investment Office (OCIO), I provide access to a dedicated team of investment professionals who support governance, portfolio construction, risk oversight, and ongoing
reporting. Together, we act as an extension of your team, helping you fulfill fiduciary responsibilities
while keeping your capital aligned with your organization’s long-term goals.
You’ll experience a high-touch advisory relationship supported by the scale, structure, and institutional
rigor of a world-class investment office.
institutional platform directly to your mission.
Through our Outsourced Chief Investment Office (OCIO), I provide access to a dedicated team of investment professionals who support governance, portfolio construction, risk oversight, and ongoing
reporting. Together, we act as an extension of your team, helping you fulfill fiduciary responsibilities
while keeping your capital aligned with your organization’s long-term goals.
You’ll experience a high-touch advisory relationship supported by the scale, structure, and institutional
rigor of a world-class investment office.
Multigenerational Families
Families with layered financial needs such as education funding, caregiving, and legacy planning
benefit from a holistic approach. I work across generations to align values, simplify wealth transfer, and help families grow together.
benefit from a holistic approach. I work across generations to align values, simplify wealth transfer, and help families grow together.
Your Life, Your Plan
Planning is not a one-time event.
Life, markets, and priorities evolve. Financial decisions rarely happen in isolation. My planning process is designed to provide structure, clarity, and guidance as circumstances change, not just at a single point in time.
Financial planning is the foundation of how I work.
1. Discover: Getting to Know You
I begin by understanding what matters most to you. This includes your goals, values, family dynamics, career path, business interests, and responsibilities, not just your balance sheet.
Outcome: Clarity around your priorities and what success truly looks like for you.
2. Design: Building Your Strategy
Using the information gathered, I design a strategy aligned with your timeline, risk tolerance, tax considerations, and liquidity needs. Investments are a tool, not the plan itself.
Outcome: A strategy designed to support your broader financial life.
3. Implement: Your Personalized Portfolio
I put the plan into action through thoughtful execution across accounts, investment vehicles, and structures. Where appropriate, I coordinate with tax, estate, and business professionals to support efficient implementation.
Outcome: A strategy implemented intentionally and efficiently.
4. Refine: Tax-Aware and Estate Planning
As your plan is implemented, I focus on tax-aware decision-making and estate planning considerations. This includes reviewing how assets are positioned across account types and evaluating estate strategies to support long-term efficiency and legacy goals.
Outcome: A plan designed to support tax awareness, flexibility, and thoughtful wealth transfer.
5. Evolve: Ongoing Plan Assessment
Planning is ongoing. I continuously assess progress, update assumptions, and adjust strategies as your life, markets, and priorities change.
Outcome: A living plan that evolves alongside your life.
Planning-Only (Fee-Based) Advice
I offer financial planning through a transparent, fee-based approach focused on clarity, coordination, and long-term decision-making.
Planning is independent of investment implementation and designed to evolve as circumstances change. Some clients engage me solely for financial planning, while others choose to implement strategies through ongoing advisory services.
Engagements are structured in advance based on scope and complexity, so expectations are clear from the outset.
Women Without Limits
Whether you are a single woman, a mother, a divorcee, or widow, I look to empower women who find themselves in decision making roles. As a woman who takes the lead in her family's finances, I want to assist you in education , planning, and provide resources to help you navigate all things financial.
Developing Your Own Financial Identity: A Guide for Women
One of the best ways to feel in control is to take an active role in your finances, which includes maintaining a unique financial identity.
Financial Planning for Women in Every Stage of Life
As your financial goals shift over time, smart wealth management and financial planning can help you prepare for major life milestones and stay on track at every life stage. When you work with us, I can help you build a plan around your financial goals.
Investing for the Milestones Ahead
In this guide, we explore some of the considerations women face around key life milestones and suggested questions to jumpstart our conversation.
Women Without Limits
Supporting women throughout their financial lives is at the core of Morgan Stanley’s values. This dedication and experience make us uniquely suited to help women reach their financial and career goals, no matter where they are on their journey.
Professional Designations
I have obtained the following designations to deepen the strategy, structure, and long-term thinking behind the advice I provide, with a continued commitment to ongoing learning and growth.
Qualified Plan Financial Consultant (QPFC)
For business owners, this means your retirement plan is designed with purpose. As a QPFC, I bring specialized expertise in plan structure, fiduciary oversight, and investment design to ensure your
plan supports both you and your employees while aligning with your broader business strategy.
plan supports both you and your employees while aligning with your broader business strategy.
Morgan Stanley Pacesetter’s Club (2024, 2025, 2026)
Carina was named to Morgan Stanley’s Pacesetter’s Club in 2024, 2025, and 2026, a firm recognition awarded to Financial Advisors who exemplify strong professional standards, a commitment to exceptional client service, and consistent early-stage growth.
Financial Planning Specialist (FPS)
This means your financial decisions are approached in a coordinated, intentional way rather than in isolation. As a Financial Planning Specialist, I take a comprehensive view across taxes, investments, and long-term planning so each decision supports your broader goals.
Location
14850 N Scottsdale Rd
Suite 600
Scottsdale, AZ 85254
US
Direct:
(480) 922-7977(480) 922-7977
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Carina Flores 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
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.
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.
9Morgan 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
10Alternative 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
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.
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.
9Morgan 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
10Alternative 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)
