Cover Brooks, QPFC
My Mission Statement
Helping individuals and families make thoughtful financial decisions with clarity, confidence, and intention.
My Approach
I believe financial planning should bring clarity - not complexity - to your financial life.
As a working mother, I understand how quickly life can become full of competing priorities. Building wealth, planning for retirement, educating your children, caring for ageing parents and making important financial decisions can feel overwhelming when you're trying to manage it all at once.
That's why my approach begins with listening. I take time to understand what matters most to you – your goals, your family, your values and the life you want your wealth to support. From there, we develop a thoughtful financial strategy designed to help you make confident decisions today while keeping your long-term goals in focus.
To me, wealth is not simply about a number on a statement. It's about what that wealth makes possible. Whether you're building your foundation, preparing for retirement, navigating a major transition or thinking about the legacy you want to leave, my role is to help bring structure and clarity to the decisions along the way.
I believe the best financial planning is personal, purposeful and built around real life.
Experience & Perspective
I bring more than 15 years of corporate finance experience to my work as an advisor, combining analytical expertise with a highly personal approach to financial planning.
I earned my degree in Finance from the University of Alabama and an MBA from Union University. I have earned a Qualified Plan Financial Consultant (QPFC) certification. Since joining Morgan Stanley in 2020, I've had the privilege of helping individuals, families and business owners navigate important financial decisions and build strategies around their long-term goals.
Outside of my practice, I'm a wife, mother, active member of my community. Those roles continually remind me that financial decisions are aren't just about money, they're about people, priorities and the future we're working to create.
Why I do this
I believe money is a tool – not the destination.
The purpose of thoughtful financial planning is to help you use your resources intentionally: To care for your family, purse the opportunities that matter to you, prepare for the future and ultimately leave something meaningful behind.
My goal is to help make your financial life feel more organized and intentional, so you can spend less time worrying about money and more time focusing on what matters most.
- 401(k) Rollovers
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Planning for Education FundingFootnote4
- Cash Management and Lending ProductsFootnote5
- Asset Management
- Life InsuranceFootnote6
- Trust AccountsFootnote7
- AnnuitiesFootnote8
- Long-term Care InsuranceFootnote9
- Qualified Retirement PlansFootnote10
NMLS#: 2084544
AR Insurance License #: 20093692
Women and Wealth
Your life changes. Your financial plan should evolve with it.
Life rarely follows a straight line. A career opportunity, marriage, divorce, the birth of a child, caring for aging parents, selling a business or preparing for retirement can all change the way you think about your finances and your future. And often, a major life transition bring a financial transition with it.
My role is to help you navigate those moments with clarity and intention.
I work with women at different states of life to understand where they are today, where they want to go, and how their financial decisions can support what matters most to them. Together we can create a strategy that evolves as your life does – from building and protecting wealth to preparing for retirement and creating a meaningful legacy.
Because wealth is about more than investing. It's about having the confidence and clarity to make thoughtful decisions for the life you're building and the people you love.
When Life Changes, We Can Help You Navigate What Comes Next
Creating a strong financial foundation while balancing a career, family and other priorities.
Making thoughtful financial decisions when life changes – whether planned or unexpected.
Aligning your investments, retirement strategy and broader financial plan with the future you envision.
Thinking intentionally about how your wealth can support the people and causes that matter most to you.
NMLS # 2084544
Cover holds the NMLS and Insurance License across many states.
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
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Annuities 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.
10When 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.
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