John C Few
Vice President, Wealth Management,
Financial Advisor,
Family Wealth Director,
Financial Planning Specialist
Direct:
(813) 227-2171(813) 227-2171
Toll-Free:
(800) 282-0655(800) 282-0655
My Mission Statement
Understanding the unique needs of high-net-worth clients like you
Meet John Few of The Libratus Wealth Management Group at Morgan Stanley
John Few, an industry veteran since 1984, is a Family Wealth Director with Morgan Stanley. He has led a broad experiential path to his role with Morgan Stanley. Prior to joining Morgan Stanley, he was an institutional equity trader and OTC market maker at Raymond James and Associates advising and executing block trades for institutional clients. John has also been a municipal bond trader in New York for Chemical Bank and was a research analyst in public finance at Merrill Lynch in New York.
Working with Ultra High Net Worth clients requires strategies that have an impact over generations. Mr. Few’s Family Wealth Director designation allows him to serve our affluent clients by concentrating the professional knowledge and resources needed to help them address the complex challenges of managing significant, multi-generational wealth.
After graduating from Jesuit High School in Tampa and Princeton University in 1984 with an A.B. in History, Mr. Few graduated from the Kenan-Flagler School of Business at UNC-Chapel Hill in 1990 with an MBA in International Business. Mr. Few holds Series 7, 24, 63 and 66 registrations and is licensed by the Florida State Board of Insurance.
Mr. Few spent 30 years as an assistant high school football coach at Jesuit HS and for the 2006, 2008, 2009 and 2011 state champion Plant Panthers. In 2011 he was named the National Football Foundation’s Hillsborough County Assistant Coach of the Year. Mr. Few currently serves on the boards of the Hillsborough County Bar Foundation, Princeton Club of Tampa Bay, the Jack and Jill Late Stage Cancer Foundation, and the local chapter of the National Football Foundation. His community involvement includes past service on the boards of the Florida Security Traders Association, St. John’s Episcopal Parish Day School, Palma Ceia Golf & Country Club, Train Up First Foundation, Tampa Bay Little League and Ye Mystic Krewe of Gasparilla. Mr. Few is a certified PADI Divemaster, a licensed OUPV boat captain and is the music director for Ye Mystic Krewe of Gasparilla’s Cut Throat Chorus. Mr. Few is married with two adult sons.
Working with Ultra High Net Worth clients requires strategies that have an impact over generations. Mr. Few’s Family Wealth Director designation allows him to serve our affluent clients by concentrating the professional knowledge and resources needed to help them address the complex challenges of managing significant, multi-generational wealth.
After graduating from Jesuit High School in Tampa and Princeton University in 1984 with an A.B. in History, Mr. Few graduated from the Kenan-Flagler School of Business at UNC-Chapel Hill in 1990 with an MBA in International Business. Mr. Few holds Series 7, 24, 63 and 66 registrations and is licensed by the Florida State Board of Insurance.
Mr. Few spent 30 years as an assistant high school football coach at Jesuit HS and for the 2006, 2008, 2009 and 2011 state champion Plant Panthers. In 2011 he was named the National Football Foundation’s Hillsborough County Assistant Coach of the Year. Mr. Few currently serves on the boards of the Hillsborough County Bar Foundation, Princeton Club of Tampa Bay, the Jack and Jill Late Stage Cancer Foundation, and the local chapter of the National Football Foundation. His community involvement includes past service on the boards of the Florida Security Traders Association, St. John’s Episcopal Parish Day School, Palma Ceia Golf & Country Club, Train Up First Foundation, Tampa Bay Little League and Ye Mystic Krewe of Gasparilla. Mr. Few is a certified PADI Divemaster, a licensed OUPV boat captain and is the music director for Ye Mystic Krewe of Gasparilla’s Cut Throat Chorus. Mr. Few is married with two adult sons.
Services Include
- Wealth ManagementFootnote1
- Municipal BondsFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Fixed IncomeFootnote4
- Lending Products
- Professional Portfolio ManagementFootnote5
- Alternative InvestmentsFootnote6
- Business Succession PlanningFootnote7
- Estate Planning StrategiesFootnote8
- Exchange Traded FundsFootnote9
Securities Agent: NM, CT, CA, MD, AZ, TX, OR, UT, OH, DC, NJ, IN, CO, FL, NC, IL, VA, MN, WA, DE, SD, SC, MI, AR, PR, NY, MA, GA, PA; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1472943
AR Insurance License #: 9176788
NMLS#: 1472943
AR Insurance License #: 9176788
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education
- Series 7 - General Securities Representative, 1991
- Series 24 - General Securities Principal, 1997
- Series 63 - Uniform State Exam
- Series 66 - Combined Investment Advisory Agent & Uniform State Exam
- Life Health and Variable Annuities Licensed
- A.B. - History, 1984Princeton UniversityPrinceton, NJ
- MBA - International Business, 1990UNC - Chapel HillKenan - Flagler Business SchoolChapel Hill, NC
Associations
- National Football Foundation & College Hall of Fame
- H.B. Plant HS FootballCo-Defensive Coordinator
- Security Traders Assoc. of FloridaSecond Vice President 2005 - 2007
- Director - TrainUp Foundation
- Director - Jack and Jill Late Stage Cancer Foundation
Experience
1984 - 1985: Merrill Lynch
Research Analyst
Public Finance
New York, NY
Research Analyst
Public Finance
New York, NY
2007 - Present: Morgan Stanley*
Financial Advisor
Tampa, FL
Tampa, FL
1998 - 2007: Raymond James & Assoc.
Institutional Sales Trader
St. Petersburg, FL
St. Petersburg, FL
1990 - 1998: Raymond James & Assoc.
OTC Market Maker (Trader)
St. Petersburg, FL
St. Petersburg, FL
Summer 1989: United States Senate Office of Senator Bob Graham (D-FL)
Summer Research Intern
Washington, DC
Washington, DC
1985 - 1988: Chemical Bank
Municipal Bond Trader
New York, NY
New York, NY
1984 - 1985: Merrill Lynch
Research Analyst
Public Finance
New York, NY
Public Finance
New York, NY
Significance of a Family Wealth Director
We leverage the versatile resources of Morgan Stanley and our resource partners to help you and your family maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to lead meaningful, fulfilled and engaged lives. A Family Wealth Director is a rare distinction, earned by approximately 5% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to advisors who have undergone specialized training to complement their extensive experience working with ultra-high net worth families.
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Legacy & Estate Planning Strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
I provide my clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
The Morgan Stanley Global Impact Funding Trust, Inc. (“MS GIFT, Inc.”) is an organization described in Section 501(c) (3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (“MS GIFT”) is a donor-advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT.
The Morgan Stanley Global Impact Funding Trust, Inc. (“MS GIFT, Inc.”) is an organization described in Section 501(c) (3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (“MS GIFT”) is a donor-advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT.
Access to Cash Management and Lending Solutions
We offer robust cash management and lending solutions to complement your investment strategy.
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
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
Lifestyle Advisory
Provide bespoke solutions and access to knowledgeable, highly personal third-party providers to help meet your exceptional needs from the everyday to the extraordinary.
Lifestyle Advisory Products and Services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Lifestyle Advisory Products and Services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Client Service Team
Caroline Carpenter - Registered Client Service Associate
Phone:
(813) 227-2199(813) 227-2199
Email:Caroline.Carpenter@morganstanley.com
Caroline is passionate about helping others achieve their financial goals. After studying finance at the University of South Florida located here in Tampa, she learned about the importance of financial education and looks forward to helping client regarding their financial decisions and investing.
She has a passion, commitment, and drive to deliver exceptional customer service to all clients. Caroline began working in the financial industry in 2019 and joined Morgan Stanley in September of 2022. She enjoys traveling, and spending time with her daughter.
She has a passion, commitment, and drive to deliver exceptional customer service to all clients. Caroline began working in the financial industry in 2019 and joined Morgan Stanley in September of 2022. She enjoys traveling, and spending time with her daughter.
Location
100 N Tampa St
Ste 3000
Tampa, FL 33602
US
Direct:
(813) 227-2171(813) 227-2171
Toll-Free:
(800) 282-0655(800) 282-0655
Fax:
(813) 283-9489(813) 283-9489
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact John C Few today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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.
6Alternative 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.
7Morgan 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.
8Morgan 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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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
2Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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.
6Alternative 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.
7Morgan 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.
8Morgan 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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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)
