Alexander Chambarry, CFP®
Registered Client Service Associate
Phone:
(704) 442-4800(704) 442-4800
Jennifer Suminguit, CFP®, QPFC
Senior Vice President,
Financial Advisor,
Family Wealth Advisor,
Workplace Advisor - Equity Compensation
Direct:
(704) 896-9110(704) 896-9110
Toll-Free:
(800) 383-3554(800) 383-3554
Industry Award WinnerMy Mission Statement
For me, retirement planning means more than providing my clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve.
Jennifer's Background & Experience
Background:
Jennifer Suminguit's mission is to help empower her clients to take charge of their own wealth management. A Certified Financial Planner® with Life and Long-Term-Care Insurance licenses, Jennifer advocates a holistic approach to wealth management. The foundation of her method is a thorough discovery process that aims to set baselines for wealth accumulation and preservation goals, current liabilities, risk tolerance, tax management strategies, and cash management and help establish short, medium and long-term goals. Jennifer then conducts a comprehensive search for potential gaps and roadblocks on the path to towards your financial goals. This helps create a personalized portfolio and planning strategy that strives to combine effectiveness with the flexibility to help navigate market changes and lifestyle transitions. Jennifer is committed to being a financial resource for all of a family's generations, helping ensure their legacy includes values and ethics as well as wealth.
Jennifer is a Navy veteran with six years of service and is the first in her family to attend college. She holds a Certified Financial Planner® credential and has a Bachelor's in Business and Finance from the University of North Carolina at Charlotte. In 2006 Jennifer joined Wells Fargo as a Financial Advisor and three years later moved to Morgan Stanley.
Born in Buffalo, Jennifer remains a dedicated Buffalo Bills fan, and is an avid distance runner, having finished multiple marathons. Her greatest joy, however, comes from being a wife and mother of her blended family of five adult children. Acutely aware of the challenges of being a professional and a mom, she is active in several ministries at her church which support domestic violence shelters, veterans' housing, and Habitat for Humanity. She enjoys spending time with family and friends as well as playing golf, boating and running.
Experience:
- 2009 - Present: Morgan Stanley
- 2006 - 2009: AG Edwards & Sons, Inc/Wachovia Securities
Associations
- Member of the Lake Norman Chamber of Commerce
- Member of the North Mecklenburg Women's Club
- Graduate of the Leadership Lake Norman Class XI
- Member Executive Women of Lake Norman
Securities Agent: OR, KY, WV, CO, NY, MD, OH, NV, MA, DC, VA, MI, GA, CA, TX, NC, AK, WA, MN, IN, SC, OK, IL, FL, WI, TN, IA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278848
NMLS#: 1278848
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Timely Market Perspectives
A curated collection of timely, thought-provoking insights and commentary from Morgan Stanley—selected by me for their relevance, clarity, and potential to inform meaningful financial conversations.
Four Key Investment Themes for 2026
Morgan Stanley Research’s key investment themes for this year are Tech Diffusion, The Future of Energy, The Multipolar World and Societal Shifts.
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GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
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The One Big Beautiful Bill Cheat Sheet
In this cheat sheet, we outline some of the most frequently discussed tax provisions included in the One Big Beautiful Bill Act (OBBBA).
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2026 Tax Tables
Taxes can affect your investment returns more than you might realize. Prepare for this year's taxes with the updated 2026 tax tables.
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5 Ways to Protect Your Digital Footprint
As we share more of our daily lives online, it's important to balance security and convenience. These five tips can put you in greater control of your digital footprint.
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Morgan Stanley's comprehensive suite of digital tools are designed to enhance every aspect of your financial life. Explore a few of the technologies we have to offer.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Morgan Stanley Online
Total Wealth View
Link your account information and see your full financial picture in one place. Total Wealth View lets you benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
Morgan Stanley CashPlus Brokerage Account
Designed as a modern alternative to banking with the capabilities to help you access, move, and manage cash when you need it while enjoying exclusive benefits.
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Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible clients designed to enhance your lifestyle and go beyond wealth management, featuring bespoke services, curated content, and exclusive discounts from over 60 premium brands.
Reserved Living & Giving
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
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Digital Vault
The Digital Vault simplifies our collaboration by allowing you to easily manage and share your most important documents.
Getting StartedLocation
17505 W Catawba Ave
Ste 300
Cornelius, NC 28031
US
Direct:
(704) 896-9110(704) 896-9110
Toll-Free:
(800) 383-3554(800) 383-3554
Fax:
(704) 892-0012(704) 892-0012
Meet My Team
Tess Pisanelli
Planning Associate
Phone:
(212) 276-5371(212) 276-5371
About Alexander Chambarry, CFP®
As a Registered Client Service Associate, Alex strives to make clients’ experiences seamless and simple. Prior to coming to Morgan Stanley, Alex was a Trading Enablement Assistant for Wells Fargo Advisors. Alex earned a B.A. in Economics from Stony Brook University in 2021. He also currently serves part time in the North Carolina National Guard as an Engineer Officer. In his spare time Alex enjoys the outdoors and traveling with his wife Jessica and their dog, Gator.
About Tess Pisanelli
Tess 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. She collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Tess 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.
She earned her undergraduate degree from Vanderbilt University and received the Financial Planning Specialist® designation from the College for Financial Planning. Tess is originally from Ridgefield, CT and currently resides in New York, NY.
She earned her undergraduate degree from Vanderbilt University and received the Financial Planning Specialist® designation from the College for Financial Planning. Tess is originally from Ridgefield, CT and currently resides in New York, NY.
Awards and Recognition
Forbes Top Women Wealth Advisors Best-In-State
Forbes Top Women Wealth Advisors Best-In- State Source: Forbes.com (Awarded Feb 2026) Data compiled by SHOOK Research LLC for the period 6/30/24 - 6/30/25.
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
Tracie Manning
Associate Private Banker
Bruce Spencer, CFP®
Financial Planning Director, Vice President
About Tracie Manning
Tracie Manning is an Associate Private Banker serving Morgan Stanley Wealth Management offices in North Carolina, South Carolina, and Georgia.
Associate Private Bankers partner with Private Bankers and 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.
Tracie began her career in financial services in 1999 and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Tracie is a graduate of the Penn State University, where she received a Bachelor of Science in Finance, and Boston University, where she received a Master of Finance. She also received a Doctorate in Business Administration from Columbia Southern University. She lives in Middleburg, Florida with her husband and their three dogs, Luke, Liberty Ann, and George. Outside of the office, Tracie enjoys staying active and spending time with her family, especially her nephews. She also volunteers as an Ambassador for K9s for Warriors.
Associate Private Bankers partner with Private Bankers and 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.
Tracie began her career in financial services in 1999 and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Tracie is a graduate of the Penn State University, where she received a Bachelor of Science in Finance, and Boston University, where she received a Master of Finance. She also received a Doctorate in Business Administration from Columbia Southern University. She lives in Middleburg, Florida with her husband and their three dogs, Luke, Liberty Ann, and George. Outside of the office, Tracie enjoys staying active and spending time with her family, especially her nephews. She also volunteers as an Ambassador for K9s for Warriors.
NMLS#: 801664
About Bruce Spencer
Bruce Spencer is a vice president and financial planning director, serving Morgan Stanley Wealth Management offices in North and South Carolina’s market. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for 10 years. He also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC, with his wife of 28 years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for 10 years. He also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC, with his wife of 28 years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
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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
- 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
Rational Investing in an Age of Uncertainty
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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 Jennifer Suminguit 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.
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
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), 4763067 (9/2025)
