Carmela T. D’Anna
My Mission Statement
My Story and Services
I work closely with Richard Schwartz, Alan Jacobson, and Nick Neumann, contributing to the team’s shared commitment to providing clients with an elevated level of service and support.
My process begins with conversation and discovery. I take the time to ask thoughtful questions and listen carefully, then work with you to understand where you are today and what you want your wealth to support in the future. From there, we can identify priorities, evaluate trade-offs, and build a plan designed to stay aligned as circumstances change.
With the global resources of Morgan Stanley behind me, I can help you coordinate planning and investment decisions across a range of needs—while keeping the focus on your personal objectives. I believe ongoing communication and periodic reviews are essential, so your strategy remains current and your decisions stay connected to the bigger picture.
NMLS#: 578468
MY FIVE-STEP PROCESS
My wealth management approach focuses on you, your family, and your career - where you are today and where you want to go. Working together, we develop strategies to help you get there, navigating life's challenges, and helping you make more informed decisions about your wealth.
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
We continue the dialogue by fostering in-depth conversations where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve, and transfer your wealth.
In this step, we present appropriate strategies designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. And because markets and personal needs change over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
On this podcast, hosted by Morgan Stanley Wealth Management's Jamie Roô, real people receive expert financial advice from experienced advisors. Topics include timing for buying a house, saving for college, estate and retirement planning, and more. Check out the latest episode to hear real stories and the difference a financial advisor can make.
BANKING & LENDING PRODUCTS
Morgan Stanley has a variety of Cash Management and Lending Solutions designed to help meet your distinct needs. These needs could include: obtaining a Tailored Lending Facility, Liquidity Access Line, Home Loans, and more. Check out the options below and connect with us to learn more.
Potential new homeowners are facing different challenges than the generation before them. To make matters worse, high inflation and rising rental prices are making it harder to save for a down payment. Morgan Stanley Clients, if eligible, have options for reduced home loan rates.
The CashPlus Brokerage Account is a modern alternative to banking which also offers complimentary Identity and Credit Protection from Experian®, helping to safeguard your identity and financial future.
As a Morgan Stanley client, you have access to Spending and Budgeting tools to help manage your cash flow across all of your accounts at Morgan Stanley, as well as those held at outside financial institutions. These tools, available on Morgan Stanley Online and the Morgan Stanley Mobile App, allow you to track spending patterns using cash flow, income and expense analysis.
As rates rise, we're here to help with potential financing options for virtually any of your personal or business goals. One option would be a Liquidity Access Line, which is a securities based line of credit that uses the eligible securities in your Morgan Stanley brokerage account as collateral without disrupting your long-term investment strategy. LAL can be used to finance:
Real estate purchases
Home renovations
Business needs
Tax payments
Highlights & Resource Center
We believe financial education can lead to better insights into our investment strategy and discipline, and better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you'll return often to learn more about the topics that can impact your wealth.
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients1 designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
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.
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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.
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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.
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Awards Disclosures | Morgan Stanley
