David R Zukowski, CFP®, CRPC®, CPWA®
Senior Vice President, Wealth Management,
Financial Advisor,
Alternative Investments Director,
Executive Financial Services Director,
Financial Planning Specialist,
Insurance Planning Director,
Portfolio Management Director,
Workplace Advisor – Equity Compensation
Direct:
(248) 740-7101(248) 740-7101
Toll-Free:
(800) 227-1931(800) 227-1931
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
About Me
As a co-founder of The GMA Group at Morgan Stanley, David works with select individuals, multi-generational families, physicians, and corporate executives. He focuses in comprehensive financial planning and executive compensation structures. David helps clients with complex compensation issues, tax management, and legacy planning and enjoys helping them to understand all of their options. He is dedicated as a primary Financial Advisor to his clients, helping to ensure The GMA Group is one of the first calls made after any major life event.
Bringing 15 years of wealth management experience, David is an Alternative Investments Director, Executive Financial Services Director, Financial Planning Specialist, and Insurance Planning Director. He has earned the CERTIFIED FINANCIAL PLANNER™, Charted Retirement Planning Counselor™, and Retirement Income Certified Professional® certifications in order to serve his clients more deeply. He also holds the FINRA Series 7, 66, and 31, as well as the Life, Variable, and Health licenses. David and his team are proud to have been named as a Forbes Best-in-State Wealth Management Team for 2024. He earned a J.D. from Wayne State University and a B.S. in Accounting from Walsh College. David is a member of the State Bar of Michigan.
Born in Detroit, Michigan, David currently lives in Oakland Township with his wife and five kids, ages 2 to 18. He enjoys volunteering at his kids’ events. Outside of the office, when he’s not busy attending his kids’ activities, he also enjoys running and traveling.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Bringing 15 years of wealth management experience, David is an Alternative Investments Director, Executive Financial Services Director, Financial Planning Specialist, and Insurance Planning Director. He has earned the CERTIFIED FINANCIAL PLANNER™, Charted Retirement Planning Counselor™, and Retirement Income Certified Professional® certifications in order to serve his clients more deeply. He also holds the FINRA Series 7, 66, and 31, as well as the Life, Variable, and Health licenses. David and his team are proud to have been named as a Forbes Best-in-State Wealth Management Team for 2024. He earned a J.D. from Wayne State University and a B.S. in Accounting from Walsh College. David is a member of the State Bar of Michigan.
Born in Detroit, Michigan, David currently lives in Oakland Township with his wife and five kids, ages 2 to 18. He enjoys volunteering at his kids’ events. Outside of the office, when he’s not busy attending his kids’ activities, he also enjoys running and traveling.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: MS, PR, KY, OR, OK, MO, MI, MD, WI, NE, NC, ME, ID, VT, VA, PA, NY, MN, DC, SC, OH, IL, HI, CA, UT, TX, NH, ND, IN, IA, AZ, GA, FL, WA, TN, NV, AR, NM, NJ, MA, MT, CO, AL, CT, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1321599
CA Insurance License #: 0M08212
NMLS#: 1321599
CA Insurance License #: 0M08212
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Meet the Team
A lawyer, a doctor, a professor, a sales rep, and two new guys walks into a building with countless resources…
And while that may be the plot to the next comedy blockbuster, here at The GMA Group at Morgan Stanley it is the accumulation of life experiences that has led to decades of service across many industries. Once aggregated, this Financial Advisory team brings variety of thought and strategies well equipped to help suit you, your family, and your business.
Four members of the team are CERTIFIED FINANCIAL PLANNERS™(CFP®), but each have a different areas of focus that they focus on together. This allows for the GMA Group to be a a full-service practice with a feedback sharing culture to better serve our clients.
Joseph Fisher, CFP®, CIMA®, CMFC®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Insurance Planning Director, Family Wealth Advisor, Financial Planning Specialist,
Workplace Advisor – Equity Compensation, Alternative Investments Specialist
Email: Joe.Fisher@morganstanley.com
Phone: (248) 740-7149
Darsh Kumar, CFP®
Vice President, Financial Advisor, Senior Portfolio Manager, Certified Financial Planner™, Workplace Advisor - Equity Compensation
Email: Darsh.Kumar@morganstanley.com
Phone: (248) 740-7135
JC Wilhelm, CFP®
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER™,
Workplace Advisor - Equity Compensation, Portfolio Manager, Alternative Investments Director
Email: JC.Wilhelm@morganstanley.com
Phone: (248) 740-7142
Kim Vallet
Registered Client Relationship Analyst
Email: kim.vallet@morganstanley.com
Phone: (248) 740-7179
Jennifer Kafoury
Client Relationship Analyst
Email: jennifer.kafoury@morganstanley.com
Phone: (248) 740-7188
A Tradition of Serving Your Financial Needs
As your Portfolio Management Director, I will work closely with you to understand your needs while maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles. A disciplined, four-step investment process underpins the program and helps to develop a long-term perspective about building and managing wealth.
By leveraging the global resources of Morgan Stanley, I am able to monitor the events that affect your financial objectives. I also study trends and developments that shape the investment environment, drive the economy and ultimately impact your portfolio's performance. You'll find that your experience with me, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
A Focused Approach to Investments
- Establish Financial Objectives
- Define Investment Strategy
- Evaluate and Select Investments
- Ongoing Review Process
A Commitment to You
- Personalized Portfolios
- Comprehensive Communications
- Client Focus
- Asset-Based Fee
Location
101 W Big Beaver Rd
Suite 1200
Troy, MI 48084
US
Direct:
(248) 740-7101(248) 740-7101
Toll-Free:
(800) 227-1931(800) 227-1931
Fax:
(248) 740-9530(248) 740-9530
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact David R Zukowski today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4Morgan 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.
5Alternative 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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4Morgan 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.
5Alternative 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)
