Sinead O'Connor
Wealth Management Associate
Phone:
(617) 589-3381(617) 589-3381
Christine Carona, Family Wealth Director
Executive Director, Wealth Management,
Financial Advisor,
Financial Planning Specialist,
Senior Investment Management Consultant,
Family Wealth Director,
Lending Specialist
Direct:
(617) 589-3244(617) 589-3244
My Mission Statement
I provide compassionate, comprehensive and strategic wealth planning and investment management for ultra-high-net-worth individuals and families, specializing in helping the suddenly wealthy and families who have a disabled loved one with special needs.
My Story
Sudden wealth—an abrupt influx of a large sum of money—typically comes from a legal settlement, sale of a business or significant life event, such as a divorce or the death of a loved one. In my experience, sudden wealth can be a double-edged sword, causing clients to feel financially secure yet anxious about the financial responsibility on such a large scale. That’s where my team and I come in, helping clients through every decision when it comes to managing, preserving and maximizing their newfound wealth.
My first encounter with sudden wealth was many years ago, when a dear friend, an attorney whose life’s work is helping families of children with special needs, asked me to help one of his clients. Having just received a large legal settlement, the client couple was overwhelmed with having to make difficult decisions about caring for their child, immediately and for her lifetime. I was deeply moved by my experience with the family and inspired by their courage and dedication to their child. It was a privilege to help them through this process and bring them comfort knowing their family now had a secure and sustainable financial future with trusted partners to help them manage it over a lifetime.
Since then, I’ve helped hundreds of individuals and families manage and sustain their wealth, providing answers to questions such as: How can I use the money to take care of my loved one? How can I make it last a lifetime? What are the tax and regulatory implications? Does it affect my health care or Social Security status? Who will care for my family when I am no longer here?
In addition to families who have experienced sudden wealth or who have special needs, we work with ultra-high-net-worth individuals and multigenerational family wealth throughout life’s many stages, helping them plan for and manage their wealth. I particularly enjoy helping other women and empowering them with confidence in their financial journeys. Together with a group of associated specialists, my team and I help our clients make thoughtful decisions and strategic wealth plans, and we do so with compassion, respect and care.
My first encounter with sudden wealth was many years ago, when a dear friend, an attorney whose life’s work is helping families of children with special needs, asked me to help one of his clients. Having just received a large legal settlement, the client couple was overwhelmed with having to make difficult decisions about caring for their child, immediately and for her lifetime. I was deeply moved by my experience with the family and inspired by their courage and dedication to their child. It was a privilege to help them through this process and bring them comfort knowing their family now had a secure and sustainable financial future with trusted partners to help them manage it over a lifetime.
Since then, I’ve helped hundreds of individuals and families manage and sustain their wealth, providing answers to questions such as: How can I use the money to take care of my loved one? How can I make it last a lifetime? What are the tax and regulatory implications? Does it affect my health care or Social Security status? Who will care for my family when I am no longer here?
In addition to families who have experienced sudden wealth or who have special needs, we work with ultra-high-net-worth individuals and multigenerational family wealth throughout life’s many stages, helping them plan for and manage their wealth. I particularly enjoy helping other women and empowering them with confidence in their financial journeys. Together with a group of associated specialists, my team and I help our clients make thoughtful decisions and strategic wealth plans, and we do so with compassion, respect and care.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Planning for Education FundingFootnote4
- Cash Management and Lending ProductsFootnote5
- Estate Planning StrategiesFootnote6
- Planning for Individuals with Special Needs
- 401(k) Rollovers
- Executive Financial ServicesFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
Securities Agent: ID, NE, MI, MN, MD, CT, CO, NY, IA, AK, SC, ME, MA, DE, NJ, GA, FL, DC, RI, PA, OH, NH, CA, WA, NC, TX, VT, VA, OR, OK; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1771336
NMLS#: 1771336
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Christine Carona helps clients be fearless about their financial futures. For more than 30 years, she’s been building personalized wealth strategies to help meet the evolving financial needs and life goals of her ultra-high-net-worth clients. She focuses on helping those who have experienced sudden wealth and is especially proud of the work she and her team do every day to help families who have a loved one with special needs. She also finds satisfaction in empowering other women to find confidence in their lifetime financial journeys.
The founder of the Carona Group at Morgan Stanley, Chris and her team are tireless advocates for their clients. They take a high-touch, holistic approach to developing and overseeing multigenerational wealth plans and provide concierge-level client service and Family Office Resources. Chris holds the Morgan Stanley designation of Family Wealth Director, a credential earned by approximately 5 percent of the Firm’s financial advisors. As such, she and her team tap an expansive suite of resources that span family governance, family office services, family wealth education, philanthropy management, estate strategies, trust services, insurance, lifestyle advisory and lending solutions.
As a testament to her professionalism, dedication, and skills, Chris has been named a Forbes Top Women Wealth Advisor 2025, a Forbes Best-in-State Wealth Advisor 2025 and a Five Star Wealth Manager Award winner 2025. In addition, she was named a member of the Master’s Club at Morgan Stanley in 2024.
Chris earned a dual B.S, in human development and business, from Syracuse University (SU). Chris has found numerous ways to express her gratitude for SU’s transformative effect on her life. She is proud to serve as a voting member on its Board of Trustees and on its Boston Regional Council, volunteering her time to help elevate SU’s presence and vision in the Boston area. She is a member of the National Campaign Council, a small group of exemplary alumni leaders who work to increase SU’s visibility and philanthropy on a national scale. .
She supports various SU initiatives, including the College of Arts and Sciences Dean’s fund and the newly created Carona, Beney and Malarney (CBM) Family Endowed Faculty Fellowship in the Sciences (in the names of her parents, daughters, and husband). The Fellowship will help women and other underrepresented students pursue careers in STEM and rise to leadership positions. She and her husband Joseph Malarney also sponsor the SIE Pilot Program created under SU’s Onward to Opportunity fund, which supports veterans with in- demand, industry validated skills training and employment training services to the military connected community. The Program offers more than 50 different learning pathways that leverage end-to-end participant support model focused on an employment or career outcome. Specifically, the SIE pilot program gives veterans an introduction to financial services industry with a course and personalized tutoring to take and pass the SIE exam. It is part of their ongoing commitment to SU’s D’Aniello Institute for Veterans and Military Families. Chris in also a member of the Legends Society, a group that is committed to enhancing student athlete’s experiences through philanthropy.
Additionally, Chris is a co-chair of The Hill Society, a dedicated network of annual leadership donors who are committed to supporting SU’s highest priorities. In recognition of her distinguished service to her alma mater SU named her “Dritz Rookie Trustee of the Year” in 2023. The “Dritz Rookie Trustee of the Year” is awarded to a first term voting trustee that has gone to extraordinary lengths in support of SU, while also displaying exceptional leadership skills and immense potential in service to SU. In 2024, she became a member of Investment and Endowment Committee and was elected to the role of the Chair of Advancement and External Affairs Committee in 2025 to support the University’s alumni engagement and external relations. She is also a member of the Student Experience Committee.
Committed to mentoring young people, Chris proudly works with students from local high schools, colleges and universities who are interested in wealth management. She has made a special point to train and support local young women through internship opportunities and has helped several young women launch careers in financial services.
Her philanthropy extends to organizations that focus on issues concerning women and children, including Rosie’s Place, Boston Children’s Hospital, Oligo Nation, Urban Health Media Project, Best Buddies International, St. Mary’s Center for Women and Children, Dana Farber Cancer Institute, HomeStart, Upstate Foundation, Food Bank of Central New York, Greater Boston Food Bank, and Newton Country Day School of the Sacred Heart. She was elected to the Board of Trustees at the Nativity Preparatory School of Boston in 2025. She is a long-term sponsor of Boston’s public park system and an advocate for the conservation of Boston’s Emerald Necklace.
Chris is licensed in 32 states. She holds her Series 24, Series 7 and Series 66 registrations, as well as her Massachusetts State Life, Accident and Health Insurance licenses.
She resides in Newton, MA with her family.
2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2025 Forbes Best-In-State Advisors
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2025). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
The founder of the Carona Group at Morgan Stanley, Chris and her team are tireless advocates for their clients. They take a high-touch, holistic approach to developing and overseeing multigenerational wealth plans and provide concierge-level client service and Family Office Resources. Chris holds the Morgan Stanley designation of Family Wealth Director, a credential earned by approximately 5 percent of the Firm’s financial advisors. As such, she and her team tap an expansive suite of resources that span family governance, family office services, family wealth education, philanthropy management, estate strategies, trust services, insurance, lifestyle advisory and lending solutions.
As a testament to her professionalism, dedication, and skills, Chris has been named a Forbes Top Women Wealth Advisor 2025, a Forbes Best-in-State Wealth Advisor 2025 and a Five Star Wealth Manager Award winner 2025. In addition, she was named a member of the Master’s Club at Morgan Stanley in 2024.
Chris earned a dual B.S, in human development and business, from Syracuse University (SU). Chris has found numerous ways to express her gratitude for SU’s transformative effect on her life. She is proud to serve as a voting member on its Board of Trustees and on its Boston Regional Council, volunteering her time to help elevate SU’s presence and vision in the Boston area. She is a member of the National Campaign Council, a small group of exemplary alumni leaders who work to increase SU’s visibility and philanthropy on a national scale. .
She supports various SU initiatives, including the College of Arts and Sciences Dean’s fund and the newly created Carona, Beney and Malarney (CBM) Family Endowed Faculty Fellowship in the Sciences (in the names of her parents, daughters, and husband). The Fellowship will help women and other underrepresented students pursue careers in STEM and rise to leadership positions. She and her husband Joseph Malarney also sponsor the SIE Pilot Program created under SU’s Onward to Opportunity fund, which supports veterans with in- demand, industry validated skills training and employment training services to the military connected community. The Program offers more than 50 different learning pathways that leverage end-to-end participant support model focused on an employment or career outcome. Specifically, the SIE pilot program gives veterans an introduction to financial services industry with a course and personalized tutoring to take and pass the SIE exam. It is part of their ongoing commitment to SU’s D’Aniello Institute for Veterans and Military Families. Chris in also a member of the Legends Society, a group that is committed to enhancing student athlete’s experiences through philanthropy.
Additionally, Chris is a co-chair of The Hill Society, a dedicated network of annual leadership donors who are committed to supporting SU’s highest priorities. In recognition of her distinguished service to her alma mater SU named her “Dritz Rookie Trustee of the Year” in 2023. The “Dritz Rookie Trustee of the Year” is awarded to a first term voting trustee that has gone to extraordinary lengths in support of SU, while also displaying exceptional leadership skills and immense potential in service to SU. In 2024, she became a member of Investment and Endowment Committee and was elected to the role of the Chair of Advancement and External Affairs Committee in 2025 to support the University’s alumni engagement and external relations. She is also a member of the Student Experience Committee.
Committed to mentoring young people, Chris proudly works with students from local high schools, colleges and universities who are interested in wealth management. She has made a special point to train and support local young women through internship opportunities and has helped several young women launch careers in financial services.
Her philanthropy extends to organizations that focus on issues concerning women and children, including Rosie’s Place, Boston Children’s Hospital, Oligo Nation, Urban Health Media Project, Best Buddies International, St. Mary’s Center for Women and Children, Dana Farber Cancer Institute, HomeStart, Upstate Foundation, Food Bank of Central New York, Greater Boston Food Bank, and Newton Country Day School of the Sacred Heart. She was elected to the Board of Trustees at the Nativity Preparatory School of Boston in 2025. She is a long-term sponsor of Boston’s public park system and an advocate for the conservation of Boston’s Emerald Necklace.
Chris is licensed in 32 states. She holds her Series 24, Series 7 and Series 66 registrations, as well as her Massachusetts State Life, Accident and Health Insurance licenses.
She resides in Newton, MA with her family.
2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2025 Forbes Best-In-State Advisors
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2025). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
FORBES TOP WOMEN WEALTH ADVISORS AWARD
2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2017, 2019, 2020, 2021, 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2017, 2019, 2020, 2021, 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
FIVE STAR WEALTH MANAGER AWARD
2025, 2023, 2022, 2021, 2020 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2020, 2021, 2022, 2023). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Source: fivestarprofessional.com (Awarded 2020, 2021, 2022, 2023). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
PRESIDENTS CLUB - MORGAN STANLEY
2023, 2021, 2020, 2019, 2018
FORBES BEST IN STATE TOP WEALTH ADVISORS
FORBES BEST IN STATE TOP WEALTH ADVISORS
2025,2024, 2023, 2022, 2021, 2020, 2019 Forbes Best-In-State Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2025,2024, 2023, 2022, 2021, 2020, 2019 Forbes Best-In-State Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
A STRUCTURED PLANNING PROCESS
At Morgan Stanley, we are committed to helping families understand the new challenges they face and how to meet those challenges successfully.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
The Carona Group Trust Services
CARONA GROUP/ CENTRAL HUB
• Liaison between family/independent trustee/CPA.
• Wealth management via financial planning, disciplined distribution and investment process, and guidance.
• Semi-annual reviews (and additionally as needed) with trustees that include performance reviews, financial planning, distribution analysis, etc.
• Coordination with life-care planner, obtain services when needed from outside vendors with trustees.
• Payment of professional services invoices approved by trustees.
• General research as requested by related parties (Trustees, CPA, family, etc.).
• Wealth management via financial planning, disciplined distribution and investment process, and guidance.
• Semi-annual reviews (and additionally as needed) with trustees that include performance reviews, financial planning, distribution analysis, etc.
• Coordination with life-care planner, obtain services when needed from outside vendors with trustees.
• Payment of professional services invoices approved by trustees.
• General research as requested by related parties (Trustees, CPA, family, etc.).
CASH FLOW
• Preclear distributions with an independent trustee.
• Coordinate timely approvals and processing of distribution requests - typically within 48 hours.
• Maintain full accounting of all trust cash flow activity.
• Monitor structure cash flow.
• Prepare and monitor annual financial plan.
• Analyze cash flow/returns versus past, current and anticipated future lifetime spending.
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• Coordinate timely approvals and processing of distribution requests - typically within 48 hours.
• Maintain full accounting of all trust cash flow activity.
• Monitor structure cash flow.
• Prepare and monitor annual financial plan.
• Analyze cash flow/returns versus past, current and anticipated future lifetime spending.
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BANKING
• Banking services (check writing/debit cards/online bill pay/zelle/mobile deposit, etc.).
• Bank services monitoring: fraud detection/protection and surveillance, assistance with check orders/research card/online bill pay inquiries, etc.
• Cash management.
• Bank services monitoring: fraud detection/protection and surveillance, assistance with check orders/research card/online bill pay inquiries, etc.
• Cash management.
RISK/RETURN ANALYSIS
• Investment performance monitoring and reporting.
• Comparison to associated industry benchmarks to confirm on track.
• Portfolio Risk Analysis and reporting to review: estimated volatility, returns and volatility comparison to benchmark, stress testing against certain market scenarios.
• Comparison to associated industry benchmarks to confirm on track.
• Portfolio Risk Analysis and reporting to review: estimated volatility, returns and volatility comparison to benchmark, stress testing against certain market scenarios.
REPORTING
• Monthly portfolio statements.
• Annual tax reporting.
• Coordinate/facilitate tax prep information distribution.
• Annual Recap of cash activity report.
• Annual tax reporting.
• Coordinate/facilitate tax prep information distribution.
• Annual Recap of cash activity report.
SAFEGUARDING OF ASSETS
• Capital Reserves, Asset Segregation, FDIC Insurance, SIPC Insurance, Cyber Insurance, Additional Protections (see “Your Assets Are Safeguarded at Morgan Stanley”).
PARTNERSHIP
• Independent trust oversight and counsel.
• Coordination/review regarding benefits.
CPA:
• Tax return preparation services.
• Coordination/review regarding benefits.
CPA:
• Tax return preparation services.
Location
28 State Street 26th
Fl
Boston, MA 02109
US
Direct:
(617) 589-3244(617) 589-3244
Meet My Team
Bryan Legault
Senior Registered Client Service Associate
Phone:
(617) 589-3316(617) 589-3316
About Sinead O'Connor
Sinead began her career in 2019.
After graduating from college, she spent the 2017-2018 academic year working in France as an English teaching assistant in a middle school and high school.
Sinead was brought on to The Carona Group as a Client Service Associate in February 2019.
Sinead graduated Phi Beta Kappa from the College of the Holy Cross, with a BA in Mathematics and French.
Sinead currently resides in Milton, MA.
After graduating from college, she spent the 2017-2018 academic year working in France as an English teaching assistant in a middle school and high school.
Sinead was brought on to The Carona Group as a Client Service Associate in February 2019.
Sinead graduated Phi Beta Kappa from the College of the Holy Cross, with a BA in Mathematics and French.
Sinead currently resides in Milton, MA.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jessica Birkins
Private Banker
Nikola Delic
Planning Associate
Angelo Loumbas
Family Office Resource Generalist
About Jessica Birkins
Jessica Birkins is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
NMLS#: 1699963
About Nikola Delic
Nikola Delic is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Niko provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Florida College and received the Financial Planning Specialist® designation from the College for Financial Planning. Niko is originally from Podgorica, Montenegro and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Florida College and received the Financial Planning Specialist® designation from the College for Financial Planning. Niko is originally from Podgorica, Montenegro and currently resides in Alpharetta, GA.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist for Family Office Resources in the New York Metro and New England regions. Angelo provides specialized knowledge to ultra-high net worth clients and their Morgan Stanley Financial Advisors across a broad range of family wealth management issues, including family governance/dynamics, wealth education, strategic estate and financial planning, philanthropy management, lifestyle advisory and customized asset allocation and portfolio construction. Angelo has over twenty-five years experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
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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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Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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Rational Investing in an Age of Uncertainty
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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
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- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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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
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Ready to start a conversation? Contact Christine Carona, Family Wealth Director today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4When 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4When 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
