Janet Hroncich, CFP®, ChFC®, RICP®
Senior Vice President, Family Wealth Advisor, Alternative Investments, Insurance Planning Director, Portfolio Manager, Lending Specialist
Phone:
(941) 364-7469(941) 364-7469
Janet Hroncich, CFP®, ChFC®, RICP®
Senior Vice President,
Family Wealth Advisor,
Alternative Investments Director,
Insurance Planning Director,
Portfolio Manager,
Lending Specialist
Direct:
(941) 364-7469(941) 364-7469
My Mission Statement
Guiding successful individuals and families to make financial choices that align with the goals and values they hold dear.
My Story and Services
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals.
As a CERTIFIED FINANCIAL PLANNER® practitioner, I am committed to building a relationship of trust in which I can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, I hope you will come to regard me as a valued resource and professional who can help you make a more informed decision on any financial issue.
As a CERTIFIED FINANCIAL PLANNER® practitioner, I am committed to building a relationship of trust in which I can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, I hope you will come to regard me as a valued resource and professional who can help you make a more informed decision on any financial issue.
Securities Agent: FL, NY, MS, IL, AK, WI, SD, NM, AR, NV, NE, LA, NH, MO, ME, MD, WV, VI, TX, TN, PR, PA, MI, IA, DC, AL, WY, ND, NC, MA, IN, CT, AZ, WA, OK, OH, NJ, KY, DE, CO, VA, SC, CA, VT, UT, RI, MN, KS, ID, HI, OR, MT, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1310715
NMLS#: 1310715
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Planning Process
To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. I use a four-step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.
- Discover: Understand your values, objectives and quantify your goals.
- Advise: Create a tailored wealth plan to help keep you on track.
- Implement: Add value with tax-aware and cost-sensitive capabilities.
- Track Progress: Know where you stand and adjust to your changing needs and the environment that changes around you. Using advanced technology and years of industry experience, allows me to develop a plan that includes not only investments, but also ways to help mitigate investment-related taxes, manage your everyday finances and address borrowing needs. Plus, the I will provide regular progress updates so you can see whether your savings and spending habits are in line with your goals – making it easier for you to stay the course.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that I can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Goals Planning System
The Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide clients with comprehensive investing and planning solutions for their individual goals.
Our Suite Of Services
As your wealth grows, so does its complexities and the resources needed to manage it effectively. I can leverage my experience and relationships to deliver innovative strategies that are tailored to your needs. I look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. I listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Retirement Planning
One of my key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, I manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we can create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Alternative Investments
Morgan Stanley's global network affords us the ability to offer appropriate clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
Cash Management Services
Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. I can help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. I can coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Digital Capabilities
eDelivery
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Total Wealth View
It's hard to see the complete picture with only half the details. As a Morgan Stanley client, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Zelle
With Zelle, you can send money to almost anyone you know and trust. Zelle is free via Morgan Stanley Online and the Morgan Stanley Mobile App.
Morgan Stanley Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Location
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-7469(941) 364-7469
Fax:
(703) 547-8817(703) 547-8817
Meet My Team
Dawn Newland
Business Development Associate
Phone:
(941) 364-7449(941) 364-7449
Coty Schade
Senior Registered Client Service Associate
Phone:
(941) 364-7459(941) 364-7459
About Janet Hroncich
Janet Hroncich is a Senior Vice President with Morgan Stanley and managing principal of The Odyssey Planning Group.
Janet focuses on working with high net worth individuals with complex financial and estate planning needs.
Janet earned her MBA from Golden Gate University in San Francisco, CA and her BA from Dickinson College in Carlisle, PA. After a successful career working at the National Security Agency and as a defense contractor, Janet decided to pursue a career in financial planning in 1999.
Janet is a CERTIFIED FINANCIAL PLANNER® practitioner, a Chartered Financial Consultant®, and a Retirement Income Certified Professional® who is committed to helping her clients achieve financial independence.
Janet is active in numerous professional and philanthropic organizations, including:
- Member, Epworth Methodist Church, Rehoboth Beach, Delaware
- Stewardship Pathway (2013 – 2015)
- Planned Giving and Endowment Chairperson (2013 – 2015)
- Member, WE@MS (Women Engaged at Morgan Stanley)
- Volunteer and Fundraiser for Alex’s Army Childhood Cancer Foundation, Haymarket, Virginia
- Former Board Member, Miriam’s Table, Rehoboth Beach, Delaware
In her free time, Janet enjoys boating, golf, traveling and is an avid sports fan.
Janet focuses on working with high net worth individuals with complex financial and estate planning needs.
Janet earned her MBA from Golden Gate University in San Francisco, CA and her BA from Dickinson College in Carlisle, PA. After a successful career working at the National Security Agency and as a defense contractor, Janet decided to pursue a career in financial planning in 1999.
Janet is a CERTIFIED FINANCIAL PLANNER® practitioner, a Chartered Financial Consultant®, and a Retirement Income Certified Professional® who is committed to helping her clients achieve financial independence.
Janet is active in numerous professional and philanthropic organizations, including:
- Member, Epworth Methodist Church, Rehoboth Beach, Delaware
- Stewardship Pathway (2013 – 2015)
- Planned Giving and Endowment Chairperson (2013 – 2015)
- Member, WE@MS (Women Engaged at Morgan Stanley)
- Volunteer and Fundraiser for Alex’s Army Childhood Cancer Foundation, Haymarket, Virginia
- Former Board Member, Miriam’s Table, Rehoboth Beach, Delaware
In her free time, Janet enjoys boating, golf, traveling and is an avid sports fan.
Securities Agent: FL, NY, MS, IL, AK, WI, SD, NM, AR, NV, NE, LA, NH, MO, ME, MD, WV, VI, TX, TN, PR, PA, MI, IA, DC, AL, WY, ND, NC, MA, IN, CT, AZ, WA, OK, OH, NJ, KY, DE, CO, VA, SC, CA, VT, UT, RI, MN, KS, ID, HI, OR, MT, GA; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 1310715
CA Insurance License #: 1310715
About Dawn Newland
Dawn began her financial career in 1990 working in retail banking on Long Island, NY holding various positions as Sales Representative, Assistant Branch Manager and Staff Compliance Auditor. She joined Morgan Stanley in 2011 as a Senior Registered Client Service Associate working with a Barron's Top 100 Advisor in NY. When Dawn relocated to Venice, Florida in 2017, she began working for UBS Financial Services as a Senior Registered Client Service Associate.
Dawn is driven to deliver a service experience that consistently exceeds clients' expectations. Her passion is providing this experience with courtesy and level of personal care the team's clients deserve. Dawn holds a Series 7, 63 and 65, along with her Florida Life, Life & Health and Variable Annuity Licenses. Dawn and her husband, John, enjoy family time with their son going to the gym, beach and outdoor activities
Dawn is driven to deliver a service experience that consistently exceeds clients' expectations. Her passion is providing this experience with courtesy and level of personal care the team's clients deserve. Dawn holds a Series 7, 63 and 65, along with her Florida Life, Life & Health and Variable Annuity Licenses. Dawn and her husband, John, enjoy family time with their son going to the gym, beach and outdoor activities
About Coty Schade
Coty, as a Senior Registered Client Service Associate, brings over 10 years of industry experience and aims to deliver the best services possible for clients.
Coty assists in the team’s operations on a day-to-day basis and provides administrative oversight to support clients and their families. Coty prides herself on efficiently and accurately addressing client inquiries, no matter how big or small. Coty believes that making life simpler for clients is her priority. Coty works closely with tax professionals to deliver tax-related documents and inquiries in a timely manner. Coty also assists with financial planning and investment management reviews.
Coty graduated with a B.S. in psychology from the University of Southern Mississippi and holds the Series 7 and 66 securities licenses. Originally from Cape Cod, MA, she lives in Sarasota with her husband, Adam, their daughter, Sophie, and rescue dog, Izzy. Over the past few years, she has helped build a house for Habitat for Humanity, participated in fundraising for Southeastern Guide Dogs (Dogs Inc.), fed the hungry at the Salvation Army, provided backpacks for Title 1 schools, sent Cards for Kids, and other organization volunteer activities.
Coty assists in the team’s operations on a day-to-day basis and provides administrative oversight to support clients and their families. Coty prides herself on efficiently and accurately addressing client inquiries, no matter how big or small. Coty believes that making life simpler for clients is her priority. Coty works closely with tax professionals to deliver tax-related documents and inquiries in a timely manner. Coty also assists with financial planning and investment management reviews.
Coty graduated with a B.S. in psychology from the University of Southern Mississippi and holds the Series 7 and 66 securities licenses. Originally from Cape Cod, MA, she lives in Sarasota with her husband, Adam, their daughter, Sophie, and rescue dog, Izzy. Over the past few years, she has helped build a house for Habitat for Humanity, participated in fundraising for Southeastern Guide Dogs (Dogs Inc.), fed the hungry at the Salvation Army, provided backpacks for Title 1 schools, sent Cards for Kids, and other organization volunteer activities.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Janet Hroncich today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6When 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.
7Alternative 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6When 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.
7Alternative 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024)
