

David R Zukowski, CFP®, CRPC®, CPWA®

My Mission Statement
About Me
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
NMLS#: 1321599
CA Insurance License #: 0M08212
- Bachelor of Accounting Walsh College of Accountancy and Business Administration
- Juris Doctor Wayne State University
- Michigan Law License
- Financial Planning Specialist
- General Securities Representative Series 7
- Investment Adviser Representative Series 66
- Managed Futures Funds Series 31
- MI Resident Accident & Health Insurance Producer License
- MI Resident Life Insurance Producer License
- MI Resident Variable Annuities Producer License
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.
- Establish Financial Objectives
- Define Investment Strategy
- Evaluate and Select Investments
- Ongoing Review Process
- Personalized Portfolios
- Comprehensive Communications
- Client Focus
- Asset-Based Fee
Location
Meet My Team
The Power of Partnerships
About Kristopher Johnson
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.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
About Joseph V. Portera
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
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
Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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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.
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Awards Disclosures