Lee Forehand, CIMA®, C(k)P®, QPFC, CRPS®, CRPC®
Vice President,
Financial Advisor,
Corporate Retirement Director,
Financial Wellness Director,
Workplace Advisor - Equity Compensation,
Financial Planning Specialist
Direct:
(334) 340-4034(334) 340-4034
Toll-Free:
(877) 237-1230(877) 237-1230
My Mission Statement
Focused on Corporate Retirement Plan services including assistance with plan governance, plan design, investment selection oversight, vendor management, and education support for retirement plan committees, plan fiduciaries and participants.
My Story and Services
Lee is a Corporate Retirement Director and Financial Advisor with Morgan Stanley and has focused on 401(k) plans for over 16 years. His experience as a former IRS Enrolled Retirement Plan Agent and Third Party Administrator (TPA), along with the 17 professional designations he’s earned, is very uncommon among financial advisors. Lee’s extensive knowledge in plan design and compliance allows him to advise plan sponsors on overall plan management and fiduciary best practices rather than focusing solely on investments. This has helped Lee to stand out in the industry and be recognized nationally as one of the top 401(k) advisors in the country. He was most recently named a PLANADVISER Top Retirement Plan Adviser in 2022, 2023 & 2024 and included on the Financial Times prestigious list of “401 Top Retirement Advisors of 2020.” Lee was also recognized by the National Association of Plan Advisors (NAPA) as one of the “Top Retirement Plan Advisors Under 40” in both 2019 and 2020 and his team as a “NAPA Top DC Advisor Team” in 2019, 2020, 2021, 2022 & 2024.
Prior to joining Morgan Stanley, Lee was a partner in a regional CPA firm where he directed the Retirement Plan Services division for more than 8 years. Lee held several designations during this time which reflect his technical expertise in reference to corporate plans. These previously held designations include Qualified 401K Administrator (QKA), Qualified Pension Administrator (QPA) and Certified Pension Consultant (CPC) from the American Society of Pension Professionals & Actuaries (ASPPA) and Accredited Pension Representative (APR) and Accredited Pension Administrator (APA) from the National Institute of Pension Administrators (NIPA).
Lee received degrees in business and finance from Enterprise State Junior College and Troy University. He also received a Master’s in Financial Planning from the University of Alabama where he was a member of the Phi Kappa Phi National Honor Society and graduated with a perfect 4.0 GPA. Lee maintains more than a dozen professional designations including the Certified Investment Management Analyst (CIMA®) from the Investments & Wealth Institute & Yale School of Management , Certified 401(k) Professional (C(k)P®) from The Retirement Advisor University & UCLA Anderson School of Management, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisors and the Chartered Retirement Plans Specialist (CRPS) and Chartered Retirement Planning Counselor (CRPC) from the College for Financial Planning.
Awards Disclosures
*2022-2024 PLANADVISER Top Retirement Advisors – Source: planadviser.com (Awarded May 2022-2024) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
*2020 Financial Times 401 Top Retirement Advisors – Source: ft.com (Awarded Oct 2020) Data compiled by the Financial Times based on time period from 12/31/16-12/31/19.
*2019 & 2020 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)) – Source:napa-net.org (2019-2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
*2019-2024 NAPA's Top DC Advisor Teams – Source: napa-net.org (Awarded 2019-2024) Data compiled by NAPA based on self-reported assets under advisement (AUA) as of Dec 31 of the year prior to year the award was given.
Prior to joining Morgan Stanley, Lee was a partner in a regional CPA firm where he directed the Retirement Plan Services division for more than 8 years. Lee held several designations during this time which reflect his technical expertise in reference to corporate plans. These previously held designations include Qualified 401K Administrator (QKA), Qualified Pension Administrator (QPA) and Certified Pension Consultant (CPC) from the American Society of Pension Professionals & Actuaries (ASPPA) and Accredited Pension Representative (APR) and Accredited Pension Administrator (APA) from the National Institute of Pension Administrators (NIPA).
Lee received degrees in business and finance from Enterprise State Junior College and Troy University. He also received a Master’s in Financial Planning from the University of Alabama where he was a member of the Phi Kappa Phi National Honor Society and graduated with a perfect 4.0 GPA. Lee maintains more than a dozen professional designations including the Certified Investment Management Analyst (CIMA®) from the Investments & Wealth Institute & Yale School of Management , Certified 401(k) Professional (C(k)P®) from The Retirement Advisor University & UCLA Anderson School of Management, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisors and the Chartered Retirement Plans Specialist (CRPS) and Chartered Retirement Planning Counselor (CRPC) from the College for Financial Planning.
Awards Disclosures
*2022-2024 PLANADVISER Top Retirement Advisors – Source: planadviser.com (Awarded May 2022-2024) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
*2020 Financial Times 401 Top Retirement Advisors – Source: ft.com (Awarded Oct 2020) Data compiled by the Financial Times based on time period from 12/31/16-12/31/19.
*2019 & 2020 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)) – Source:napa-net.org (2019-2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
*2019-2024 NAPA's Top DC Advisor Teams – Source: napa-net.org (Awarded 2019-2024) Data compiled by NAPA based on self-reported assets under advisement (AUA) as of Dec 31 of the year prior to year the award was given.
Securities Agent: CO, WY, TN, NY, PA, GA, SD, MS, CA, MI, MA, LA, AL, TX, FL, VT, CT, MD, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1472977
NMLS#: 1472977
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
National Recognition
2022 PLANADVISER Top Retirement Plan Adviser
The 2022 PLANADVISER Top Retirement Plan Advisers list ranks individual advisers that standout in the industry based on a series of quantitative measures. These include the dollar value of qualified plan assets under advisement (AUA) and the number of retirement plans under advisement that includes defined contribution, defined benefit, and nonqualified plans.
*2022 & 2023 PLANADVISER Top Retirement Advisors – Source: planadviser.com (Awarded May 2022-2023) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
*2022 & 2023 PLANADVISER Top Retirement Advisors – Source: planadviser.com (Awarded May 2022-2023) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
2020 Financial Times 401 Top Retirement Plan Advisors
The Financial Times 401 (FT 401) Top Retirement Advisors is an independent listing produced annually by Ignites Research, a division of Money-Media, Inc., on behalf of the Financial Times (October 2020). The FT 401 is based on data gathered from advisors, regulatory disclosures, and the FT’s research. The listing reflects each advisor’s status in six primary areas: DC plan assets under advisement (AUA), DC AUA growth rate, and specialization in DC plans, years of experience, advanced industry credentials and compliance record. A total of 855 advisors applied for the award, of which 401 were selected (47%). This award is not indicative of the advisor’s future performance. Neither the advisors nor their parent firms pay a fee to the Financial Times in exchange for inclusion in the FT 401.
2020 Financial Times 401 Top Retirement Advisors – Source: ft.com (Awarded Oct 2020) Data compiled by the Financial Times based on time period from 12/31/16-12/31/19.
2020 Financial Times 401 Top Retirement Advisors – Source: ft.com (Awarded Oct 2020) Data compiled by the Financial Times based on time period from 12/31/16-12/31/19.
2020 "Aces" Top 100 Retirement Plan Advisors Under 40
Established in 2014, this list - officially the NAPA Top Retirement Plan Advisors Under 40, a.k.a. “Aces” - is based on applications received from nominees designated by NAPA Broker-Dealer/RIA Firm Partners. Those applications are then vetted by a blue-ribbon panel of senior advisor industry experts based on a combination of quantitative and qualitative data submitted by the nominees, as well as a broker-check review. These “Aces" are widely seen as the future leaders of the retirement plan advisor industry.
2019 & 2020 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)) – Source:napa-net.org (2019-2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
2019 & 2020 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)) – Source:napa-net.org (2019-2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
2019 Young Guns: Top 100 Plan Advisors Under 40
Established in 2014, this list is based on applications received from nominees designated by NAPA Broker-Dealer/RIA Firm Partners. Those applications are vetted by a blue ribbon panel of senior advisor industry experts based on a combination of quantitative and qualitative data submitted by the nominees, as well as a broker-check review. These “Young Guns”are widely seen as the future leaders of the retirement plan advisor industry.
2019, 2020, 2021 & 2022 NAPA's Top DC Advisor Teams – Source: napa-net.org (Awarded 2019-2022) Data compiled by NAPA based on self-reported assets under advisement (AUA) as of Dec 31 of the year prior to year the award was given.
2019, 2020, 2021 & 2022 NAPA's Top DC Advisor Teams – Source: napa-net.org (Awarded 2019-2022) Data compiled by NAPA based on self-reported assets under advisement (AUA) as of Dec 31 of the year prior to year the award was given.
Professional Designations
Certified Investment Management Analyst (CIMA®)
As the premier designation in the industry, the CIMA® is an intense educational experience focusing on asset allocation, manager search and selection, investment policy and performance measurement. The CIMA® designation is administered by the Investments & Wealth Institute and taught in conjunction with the Yale School of Management.
Qualified Plan Financial Consultant (QPFC)
QPFC is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC program provides an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals. The QPFC designation is sponsored by the National Association of Plan Advisors (NAPA).
Chartered Retirement Plans Specialist (CRPS®)
The CRPS® provides experienced advisors who are focused on retirement plans with the knowledge to recommend implementation techniques that can be executed into well-structured, company-appropriate retirement plans. Students will be able to effectively administer retirement plans for businesses and their employees. The CRPS® designation is earned through the College for Financial Planning®.
Chartered Retirement Planning Counselor (CRPC®)
The CRPC® program, is a designation program for financial professionals. This program enables experienced advisors, who are focused on retirement planning for individuals, define a “road map to retirement.” There is a focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning. The CRPC® designation is earned through the College for Financial Planning®.
Certified 401(k) Professional (C(k)P®)
C(k)P® represents the pinnacle of achievement for the professional Retirement Plan Advisor, recognizing a combination of substantial practical retirement plan management experience and the completion of a comprehensive and highly specialized educational program. The C(k)P® designation is administered by The Retirement Advisor University (TRAU®) in conjunction with the UCLA Anderson School of Management.
Location
101 O'Brannan Park Drive
Dothan, AL 36303
US
Direct:
(334) 340-4034(334) 340-4034
Toll-Free:
(877) 237-1230(877) 237-1230
Fax:
(334) 647-6019(334) 647-6019
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement for Plan Sponsors
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State of the Workplace Study 2023
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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.
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 Lee Forehand today.
1When 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.
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.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
