Nick Lizzio, CIMA®
Financial Advisor Associate
Phone:
(941) 364-7429(941) 364-7429
Joseph Lizzio, CRPS®, CFP®, CIMA®
Senior Vice President,
Financial Advisor,
Senior Institutional Consultant
Direct:
(941) 364-3506(941) 364-3506
Industry Award WinnerMy Mission Statement
Candid, Honest, Professional Advice You can Count on
ABOUT JOSEPH LIZZIO
- Joe serves as an Investment Consultant to high-net-worth individuals and institutional clients, specializing in designing and overseeing personalized investment strategies. He also mentors and supports team members to ensure excellence in every client interaction.
- Joe began his Wall Street career in 1980 and joined Morgan Stanley in 1986. Over the years, he has spoken at numerous forums and contributed to various publications. He earned his Certified Financial Planner™ (CFP®) designation from Adelphi University in 1989, completed the Certified Investment Management Analyst® (CIMA®) program at the University of Pennsylvania's Wharton School of Business in 1996, and received the Chartered Retirement Plan Specialist designation from the College for Financial Planning in 2011. He also holds the Accredited Investment Fiduciary® (AIF®) designation.
- Joe has been a member of several professional organizations, including the International Foundation of Employee Benefit Plans, the Metropolitan Cemetery Association, the New York State Association of Cemeteries, the International Cemetery, Cremation and Funeral Association, the Investment Management Consultants Association, and the Association of Professional Investment Consultants. He also served on the board of directors of The Corporate Source, a nonprofit dedicated to helping people with disabilities lead full and rewarding lives.
- Joe resides in Sarasota, Florida, and is the proud father of two sons, one of whom works on the team as a Financial Advisor Associate. In his spare time, he enjoys exercising, boating and playing music.
Securities Agent: CO, CT, ME, CA, RI, NJ, IL, FL, PA, DC, AZ, NY, MD, TN, AK, TX, NC, VA, GA, SC, PR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1295693
NMLS#: 1295693
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
CLIENTS:
We work with a select group of families, institutions, and individuals who are focused on building lasting financial stability and long-term success. Our clients are driven, thoughtful, and deeply committed to making informed decisions that support their goals. While each client we serve has unique needs, many share a desire for clear guidance, thoughtful planning, and a trusted team to help them navigate an increasingly complex financial landscape. At The Lizzio Group, we take pride in delivering the insight and support they rely on to protect and grow what matters most.
Our clients include:
Institutions:
Whether you are a Trustee on a Union Benefit Fund, a Non-Profit Organization, or a Corporation, we understand the challenges you face in order to meet your Fiduciary Responsibility. We are all about helping you to methodically do just that. Serving your organization's best interests is your job and ours as well; we truly get it.
Money is hard to come by and needs to be handled respectfully. This can be a very difficult task in an ever increasingly complex world. There are so many potential outcomes that could affect the economic and financial market landscape.
We strive to empower you with all the pertinent information available, so that you can collaboratively work with us to make informed and intelligent decisions on behalf of your constituency and organization. We define this effort as "best-in-class" Investment Consulting Services. This is our passion…
Households:
As a seasoned Certified Financial Planner with over thirty years of experience, we guide you through a unique client discovery process. Our focus is on understanding your current position, experiences, needs, and preferences, including risk tolerance, to help you pursue financial independence. We assist you in setting attainable goals in a complex world, leveraging tools and insights from our Global Investment Committee. Your investment portfolio will be customized and diversified to be "just right for you," using our state-of-the-art open architecture platform. This allows us to access top-tier investment management across traditional and alternative asset classes, such as real estate and private equity.
After refining and implementing your portfolio, we monitor it with customized performance reports to track progress. We aim to nurture our relationship with you through personal touchpoints and a calendar of symposiums featuring guest speakers on relevant topics. Whether you are a first-time investor or a sophisticated accredited investor, you can trust the advice we provide.
Our clients, including families, often share strong values rooted in hard work. We respect this dedication and determination to succeed. The Lizzio Group embodies this spirit, and we are committed to enhancing your confidence in your investments as you prepare for the future.
Small Businesses:
Small businesses encounter distinct challenges as they work to grow, remain competitive, and protect what they have built. We recognize the dedication and hard work it took to build your business. That is why we bring experience, leadership, and a personal approach to help business owners navigate financial decisions with clarity, confidence, and a clear focus on long-term success.
Through a thoughtful discovery process, we learn your goals, needs, and priorities to craft customized strategies that align with both your business and personal financial objectives. Leveraging best-in-class tools, resources, and ongoing monitoring, we partner with you to make informed decisions that evolve as your business grows.
We provide the following support to small businesses.
- Bridging business and personal finances
- Risk mitigation and insurance planning
- Tax planning & efficiency
- Retirement planning
- Succession planning
- Objective perspective & strategic guidance Whether you are just starting out, expanding, or preparing for a transition, you can trust us to guide, support, and strengthen your financial future.
Joseph Lizzio Newsletters:
At the beginning of each month, Joseph Lizzio shares a monthly newsletter with family, friends, and clients. These updates feature team news, helpful Morgan Stanley resources, and timely insights designed to support your financial goals. You can explore each edition by selecting the links below.
April 2026
We're pleased to share our April Newsletter with you. This edition features several articles focused on staying vigilant during tax season, including how to recognize and avoid common scams, as well as guidance on planning for potential hidden risks. Please use the link below to explore the full newsletter. We hope you enjoy!
March 2026
This March edition features timely tax resources, along with special highlights for the month. We invite you to read on and stay informed. Click the link below to learn more.
February 2026
This February edition includes relevant articles covering timely insights along with select February highlights. We invite you to read on and stay informed. Click the link below to read more!
January 2026
Happy New Year! In this January 2026 edition, we're sharing timely financial insights, market perspectives, and planning resources to help kickstart the year, along with a few lifestyle features to inspire fresh goals. Click the link below to read more!
PREPARING THE NEXT GENERATION FOR FINANCIAL SUCCESS
Our Next Generation Advisory Service is an educational resource for our clients, their children, and their grandchildren. Our objective is to support the next generation in developing the financial skills and habits they need as they carve their own path to financial success
Below are Next Gen resources and educational materials highlighting best practices to help achieve financial goals. Please feel free to reach out with any questions or anything else you need assistance with!
The Next Generation Journey
Understanding generational wealth means recognizing its impact on personal relationships and identity, and learning to balance family expectations with your own aspirations. It's never too early to start these important conversations and align your goals with family dynamics.
Financial Literacy
Financial literacy empowers individuals with the knowledge to make informed financial decisions at every life stage, fostering a secure financial future. It's never too early to enhance financial literacy within your family, ensuring everyone is equipped for success.
The Millennial and Gen Z Guide To A Sweet Retirement
Young investors can significantly benefit from the power of time in growing their portfolios. By starting early, even modest contributions can compound over the years, leading to substantial growth.
Empowering the Next Generation of Philanthropists
Millennials and Gen Z are reshaping the landscape of philanthropy with their innovative approaches to giving and civic engagement. They leverage digital platforms to amplify their impact and align their investments with their values, embracing nontraditional forms of investing that integrate philanthropic principles.
Thoughts On The Market Podcast
Tune in to "Thoughts On The Market," where Morgan Stanley experts share diverse insights on the latest financial trends. This podcast is a must-listen for the next generation eager to understand the complexities of the global economy and make informed investment decisions.
What Should I Do With My Money Podcast
Discover "What Should I Do With My Money?" a podcast where Morgan Stanley experts provide actionable advice on personal finance and investment strategies. Tailored for the next generation, this series helps listeners make informed decisions about managing their money and planning for the future. Learn more on what the next generation should do with their money.
AWARDS, RECOGNITIONS & DESIGNATIONS
Forbes Best-In-State Wealth Advisors 2022, 2023, 2024, 2025
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2023, 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period ending in June of the year prior to the issuance of the award.
Source: Forbes.com (Awarded 2022, 2023, 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period ending in June of the year prior to the issuance of the award.
CFP® - Certified Financial Planner®
A CERTIFIED FINANCIAL PLANNER™ has in-depth knowledge of the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management, and insurance. Joseph Lizzio holds this credential.
CRPS® - Chartered Retirement Plans Specialist®
The CHARTERED RETIREMENT PLANS SPECIALIST™ is a credential awarded by the College for Financial Planning for advisors focused on creating, implementing and maintaining retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and plan sponsors' fiduciary issues. Joseph Lizzio holds this credential.
CIMA® - Certified Investment Management Analyst®
CERTIFIED INVESTMENT MANAGEMENT ANALYST™ professionals are dedicated to elevating their practice through education, experience, examination and the highest standards of ethics. CIMA™ professionals have the advanced investment management knowledge necessary to fully serve affluent clients, and they use that in-depth knowledge to analyze and select the investments that make the most sense for your circumstances. Joseph Lizzio holds this credential.
Morgan Stanley Century Club
Joseph Lizzio has been named to Morgan Stanley's prestigious Century Club for 2025. Morgan Stanley Wealth Management Century Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Century Club membership is no guarantee of future performance.
Location
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-3506(941) 364-3506
Fax:
(516) 908-3543(516) 908-3543
Meet My Team
About Nick Lizzio
Nick Lizzio is a Financial Advisor Associate at Morgan Stanley, where he excels in client relationship management and financial advisory services. He earned his Bachelor of Science in Finance from Florida State University in 2021 and later distinguished himself by obtaining the Certified Investment Management Analyst® (CIMA®) designation in partnership with the University of Chicago Booth School of Business.
Nick began his career at Morgan Stanley in 2021, starting in the Workplace Solutions Group as a Senior Participant Relationship Manager. After nearly two years, he transitioned to the Sarasota office in the summer of 2023, where he continues to thrive as a Financial Advisor Associate.
He is originally from Huntington, NY. Now, Nick resides in St. Petersburg, Florida. Outside of his professional commitments, Nick is recreationally very active and enjoys playing ice hockey and golfs frequently. Nick's pedigree leads him to always do the right thing by clients and is further enhanced by his passion for finance, making him a valuable asset to all.
Nick began his career at Morgan Stanley in 2021, starting in the Workplace Solutions Group as a Senior Participant Relationship Manager. After nearly two years, he transitioned to the Sarasota office in the summer of 2023, where he continues to thrive as a Financial Advisor Associate.
He is originally from Huntington, NY. Now, Nick resides in St. Petersburg, Florida. Outside of his professional commitments, Nick is recreationally very active and enjoys playing ice hockey and golfs frequently. Nick's pedigree leads him to always do the right thing by clients and is further enhanced by his passion for finance, making him a valuable asset to all.
Securities Agent: MI, NM, NJ, NC, MT, ID, DE, AK, OK, OH, NH, MN, ME, HI, AR, VA, RI, ND, KY, IL, WY, NY, IA, FL, AL, CA, UT, NE, LA, IN, WV, MO, MD, MA, DC, CO, WI, OR, MS, KS, CT, TX, TN, NV, GA, AZ, WA, VT, SD, SC, PR, PA, VI; General Securities Representative; Investment Advisor Representative
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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
6 Financially Smart Ways to Start 2025
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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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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.
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Building a Family Enterprise That Lasts
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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
5 Steps to Create a Budget
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Ready to start a conversation? Contact Joseph Lizzio today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When 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.
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.
6Morgan 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.
7Products 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When 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.
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.
6Morgan 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.
7Products 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.
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.
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)
