Tellie Brown
Senior Client Service Associate
Phone:
(910) 481-8561(910) 481-8561
Laura L. Horvath
Associate Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(919) 490-7145(919) 490-7145
Industry Award WinnerMy Mission Statement
RESEARCH TRIANGLE GROUP CORE VALUES
● ● ●
Unwavering Commitment to Integrity
Passionately Advocate For Our Clients
Gain New Insight
Open Communication
Encourage Collaboration
● ● ●
Unwavering Commitment to Integrity
Passionately Advocate For Our Clients
Gain New Insight
Open Communication
Encourage Collaboration
My Story and Services
As a dedicated Financial Advisor and founding partner of the Research Triangle Group at Morgan Stanley, I am committed to empowering individuals and families through personalized guidance and strategic planning. My career began in 1999 in banking, providing a strong foundation in finance. Since 2004, I have focused on helping private clients navigate their financial journeys with confidence and clarity.
As the youngest of five, I learned early the importance of financial security when my father passed away unexpectedly. Decades later, while raising my own children, I managed the challenges of providing long-term care for my mother. And with a small business in the family, I’ve seen firsthand how economic shifts affect financial stability. These experiences shaped my belief in the value of having an experienced advisor—someone who can help provide both guidance and confidence.
On a personal note, my husband Joe served as a firefighter for more than 16 years. Each time the alarm sounded at night, I wondered if he would come home safely. His dedication to serving our community was important to our family, and while he could never be replaced, I found comfort knowing that careful planning ensured our family’s financial security.
Over the past 20 years, I’ve had the privilege of working with multiple generations of families. Watching clients grow, thrive, and pass on financial confidence to their loved ones has been deeply rewarding. Strong, lasting relationships are the foundation of financial success, and I approach each client with that commitment.
As a Financial Planning Specialist, I focus on estate planning, investment strategies, philanthropy, banking, and credit. I enjoy hearing my clients’ stories and connecting during every meeting—because even a small detail can spark an important idea. With my background as a securities supervisor, I always put clients’ interests first, providing them with the clarity and empowerment they need to enjoy life without financial burdens.
At the Research Triangle Group, my team and I combine the global resources of Morgan Stanley with the personalized service of a boutique practice. I am passionate about financial education and believe that informed clients are best positioned to achieve lasting success.
Family is at the heart of everything I do. Joe and I have been together for more than 25 years, and together we’ve raised three beloved children who are now building their own futures. We live in the Triangle, where I enjoy exploring the outdoors with our dogs. When I find a quiet moment, I can often be found with a coffee in hand, surrounded by my indoor plants, absorbed in a good book.
Thank you for visiting. I warmly invite you to reach out and schedule a consultation at your convenience, so we can explore how to work together in achieving your family's financial goals.
As the youngest of five, I learned early the importance of financial security when my father passed away unexpectedly. Decades later, while raising my own children, I managed the challenges of providing long-term care for my mother. And with a small business in the family, I’ve seen firsthand how economic shifts affect financial stability. These experiences shaped my belief in the value of having an experienced advisor—someone who can help provide both guidance and confidence.
On a personal note, my husband Joe served as a firefighter for more than 16 years. Each time the alarm sounded at night, I wondered if he would come home safely. His dedication to serving our community was important to our family, and while he could never be replaced, I found comfort knowing that careful planning ensured our family’s financial security.
Over the past 20 years, I’ve had the privilege of working with multiple generations of families. Watching clients grow, thrive, and pass on financial confidence to their loved ones has been deeply rewarding. Strong, lasting relationships are the foundation of financial success, and I approach each client with that commitment.
As a Financial Planning Specialist, I focus on estate planning, investment strategies, philanthropy, banking, and credit. I enjoy hearing my clients’ stories and connecting during every meeting—because even a small detail can spark an important idea. With my background as a securities supervisor, I always put clients’ interests first, providing them with the clarity and empowerment they need to enjoy life without financial burdens.
At the Research Triangle Group, my team and I combine the global resources of Morgan Stanley with the personalized service of a boutique practice. I am passionate about financial education and believe that informed clients are best positioned to achieve lasting success.
Family is at the heart of everything I do. Joe and I have been together for more than 25 years, and together we’ve raised three beloved children who are now building their own futures. We live in the Triangle, where I enjoy exploring the outdoors with our dogs. When I find a quiet moment, I can often be found with a coffee in hand, surrounded by my indoor plants, absorbed in a good book.
Thank you for visiting. I warmly invite you to reach out and schedule a consultation at your convenience, so we can explore how to work together in achieving your family's financial goals.
Services Include
- Financial PlanningFootnote1
- Cash Management and Lending ProductsFootnote2
- Planning for Education FundingFootnote3
- Retirement PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Philanthropic ManagementFootnote6
- Planning for Individuals with Special Needs and their Families
- Long-term Care InsuranceFootnote7
- Trust AccountsFootnote8
- Donor Advised Funds
Securities Agent: VA, AR, OR, WV, WA, UT, OK, NE, ME, MA, KY, GA, WY, WI, FL, CA, NM, NJ, MS, MD, ID, PA, NH, MO, LA, DC, AL, IN, MT, MN, KS, IL, CT, AZ, VT, SC, NC, TX, OH, MI, CO, TN, SD, NY, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2503214
NMLS#: 2503214
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Serving high net worth families with ties to the Research Triangle Park area, we are a tightly knit team who share a deep commitment to helping our clients succeed on their own terms. Drawing upon our own experience and the global resources of Morgan Stanley, we combine our talents to deliver tailored wealth management services based on your family’s unique needs and aspirations. We strive to deliver an exceptional level of service and dedicate ourselves to your success.
Please visit our team website for more information:
The Research Triangle Group WebsiteLocation
6340 Quadrangle Drive
Ste 300
Chapel Hill, NC 27517
US
Direct:
(919) 490-7145(919) 490-7145
Meet My Team
Anne-Marie C. Cummings
Portfolio Associate
Phone:
(919) 960-5470(919) 960-5470
About Tellie Brown
With over 25 years of experience in the financial services industry, Tellie serves as a Senior Client Services Associate for the Research Triangle Group at Morgan Stanley. She brings a wealth of knowledge and a strong commitment to delivering exceptional client services.
As the primary point of contact for all administrative needs, Tellie takes pride in building lasting relationships with clients. Her warm demeanor and sincere dedication to anticipating client needs are central to her approach, ensuring each client receives attentive and personalized support.
Recognized for her expertise and leadership, Tellie also plays key role in training new service associates, helping to uphold the team’s high standard of client care.
A Colorado native, Tellie enjoys spending time outdoors—whether she is gardening, visiting the mountains that remind her of home, or relaxing at the beach.
As the primary point of contact for all administrative needs, Tellie takes pride in building lasting relationships with clients. Her warm demeanor and sincere dedication to anticipating client needs are central to her approach, ensuring each client receives attentive and personalized support.
Recognized for her expertise and leadership, Tellie also plays key role in training new service associates, helping to uphold the team’s high standard of client care.
A Colorado native, Tellie enjoys spending time outdoors—whether she is gardening, visiting the mountains that remind her of home, or relaxing at the beach.
About Anne-Marie C. Cummings
Anne-Marie is a Portfolio Associate with the Research Triangle Group. She has been with the firm since 2013, where she’s known for her thoughtful approach and genuine care for clients.
An integral part of the service team, Anne-Marie supports clients by preparing for meetings, assisting with financial plans, and helping create reports. Anne-Marie also coordinates communications and organizes client events that strengthen relationships and celebrate milestones.
Anne-Marie moved to the area to attend the University of North Carolina at Chapel Hill, where she earned degrees in Economics and Sociology, along with a minor in Chemistry. Like many Tar Heels after graduating, she decided to make this her home drawn to its welcoming community and charm.
Anne-Marie resides with husband, their toddler son, and two beloved cats. When she’s not working, she enjoys hot yoga and spending time with her family—often found laughing and chasing her energetic son around their yard.
An integral part of the service team, Anne-Marie supports clients by preparing for meetings, assisting with financial plans, and helping create reports. Anne-Marie also coordinates communications and organizes client events that strengthen relationships and celebrate milestones.
Anne-Marie moved to the area to attend the University of North Carolina at Chapel Hill, where she earned degrees in Economics and Sociology, along with a minor in Chemistry. Like many Tar Heels after graduating, she decided to make this her home drawn to its welcoming community and charm.
Anne-Marie resides with husband, their toddler son, and two beloved cats. When she’s not working, she enjoys hot yoga and spending time with her family—often found laughing and chasing her energetic son around their yard.
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25.
Wealth Management
From My Desk
Five Reasons DIY Investors Choose Morgan Stanley Financial Advisors
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
Iran Conflict: Seven Takeaways for Investors
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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 Laura L. Horvath today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
6Products 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
6Products 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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)