Denise Li Brizzi, CRPC®
First Vice President, Financial Advisor, Chartered Retirement Planning Counselor
Phone:
(973) 425-2326(973) 425-2326
LiBrizzi/D'Anna Group at Morgan Stanley
Direct:
(973) 425-2340(973) 425-2340
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
At The LiBrizzi/D’Anna Group our team is dedicated to helping clients achieve their financial goals. We have been building our practice together for over 30 years and we strongly believe that personalized service and care are essential to every client. With the global resources of Morgan Stanley, we work with clients to design a customized wealth management approach that helps turn their goals into reality.
Our mission is to understand you and what matters most to you. We take the time to ask hard, smart questions and listen carefully. Then, we work to understand in great detail exactly where your wealth stands today and where you would like it to be tomorrow. We help you design and implement a customized wealth management approach that allows you and your family to pursue your personal financial goals while helping manage investment risk.
At Morgan Stanley, we are committed to providing a personalized financial picture. We prioritize which goals are most important to you and offer guidance on a range of financial needs. With our expertise and access to the investment insights and banking convenience of Morgan Stanley, you can plan for retirement, save for a home, fund education, and make informed investment decisions for financial success you deserve.
Our mission is to understand you and what matters most to you. We take the time to ask hard, smart questions and listen carefully. Then, we work to understand in great detail exactly where your wealth stands today and where you would like it to be tomorrow. We help you design and implement a customized wealth management approach that allows you and your family to pursue your personal financial goals while helping manage investment risk.
At Morgan Stanley, we are committed to providing a personalized financial picture. We prioritize which goals are most important to you and offer guidance on a range of financial needs. With our expertise and access to the investment insights and banking convenience of Morgan Stanley, you can plan for retirement, save for a home, fund education, and make informed investment decisions for financial success you deserve.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR FIVE-STEP PROCESS
Our wealth management approach focuses on you, your family, and your career - where you are today and where you want to go. Working together, we develop strategies to help you get there, navigating life's challenges, and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering in-depth conversations where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve, and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. And because markets and personal needs change over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
What Should I Do With My Money Podcast
On this podcast, hosted by Morgan Stanley Wealth Management's Jamie Roô, real people receive expert financial advice from experienced advisors. Topics include timing for buying a house, saving for college, estate and retirement planning, and more. Check out the latest episode to hear real stories and the difference a financial advisor can make.
Check Out the Latest EpisodeBANKING & LENDING PRODUCTS
Morgan Stanley has a variety of Cash Management and Lending Solutions designed to help meet your distinct needs. These needs could include: obtaining a Tailored Lending Facility, Liquidity Access Line, Home Loans, and more. Check out the options below and connect with us to learn more.
5.00% Annual Percentage Yield Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save.
Learn More About Preferred Savings
Home Loans
Potential new homeowners are facing different challenges than the generation before them. To make matters worse, high inflation and rising rental prices are making it harder to save for a down payment. Morgan Stanley Clients, if eligible, have options for reduced home loan rates.
Learn More About Home Loans
CashPlus
The CashPlus Brokerage Account is a modern alternative to banking which also offers complimentary Identity and Credit Protection from Experian®, helping to safeguard your identity and financial future.
Learn More About CashPlus
Spending & Budgeting Tool
As a Morgan Stanley client, you have access to Spending and Budgeting tools to help manage your cash flow across all of your accounts at Morgan Stanley, as well as those held at outside financial institutions. These tools, available on Morgan Stanley Online and the Morgan Stanley Mobile App, allow you to track spending patterns using cash flow, income and expense analysis.
Learn More About Our Financial Management Tools
Liquidity Access Line
As rates rise, we’re here to help with potential financing options for virtually any of your personal or business goals. One option would be a Liquidity Access Line, which is a securities based line of credit that uses the eligible securities in your Morgan Stanley brokerage account as collateral without disrupting your long-term investment strategy. LAL can be used to finance:
Real estate purchases
Home renovations
Business needs
Tax payments
Learn More About LALReal estate purchases
Home renovations
Business needs
Tax payments
Highlights & Resource Center
We believe financial education can lead to better insights into our investment strategy and discipline, and better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth
GIC: On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here to Learn More
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Financial Planning Checklist
Changes in the market or shifts in your personal circumstances may require adjustments to your financial plan. Here are some things that will keep you on track for a good year.
Click Here to Learn More
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Click Here to Learn More
Reserved Living & Giving
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients1 designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.
Click Here to Learn More
Location
340 Mt. Kemble Avenue
Ground Floor
Morristown, NJ 07962
US
Direct:
(973) 425-2340(973) 425-2340
Meet LiBrizzi/D'Anna Group
Carmela T. D’Anna
First Vice President, Financial Advisor
Phone:
(973) 425-2329(973) 425-2329
Christine Lindemann
Client Service Associate
Phone:
(973) 425-2339(973) 425-2339
About Me
Denise LiBrizzi is a First Vice President and Senior Financial Advisor at Morgan Stanley. She is a qualified Portfolio Manager who can provide personalized advice and guidance to help clients pursue their financial objectives. Denise has a deep understanding of investment strategies and financial planning, and she holds the Chartered Retirement Planning Counselor℠ designation. Additionally, she is licensed in life and health insurance - disability and long-term care.
As a Financial Advisor participating in the Morgan Stanley Portfolio Management program, Denise can manage her own personalized or defined strategies incorporating individual stocks and bonds, as well as proprietary and third-party investment strategies on a discretionary basis when servicing clients. The program is an investment advisory service in which the client’s Financial Advisor invests their assets in a range of securities. More information about the Portfolio Management program is available at www.morganstanley.com/ADV or from your Financial Advisor.
Denise has a B.S. in Business Administration from Montclair State University. Before joining Morgan Stanley in 2021, she spent 40 years with Merrill Lynch, where she gained invaluable experience in the field of investment strategies and financial planning. She currently resides in Somerset County with her family, including her husband Jules and their children Melissa and Justin. In her free time, Denise enjoys traveling, cooking, and entertaining family and friends.
As a Financial Advisor participating in the Morgan Stanley Portfolio Management program, Denise can manage her own personalized or defined strategies incorporating individual stocks and bonds, as well as proprietary and third-party investment strategies on a discretionary basis when servicing clients. The program is an investment advisory service in which the client’s Financial Advisor invests their assets in a range of securities. More information about the Portfolio Management program is available at www.morganstanley.com/ADV or from your Financial Advisor.
Denise has a B.S. in Business Administration from Montclair State University. Before joining Morgan Stanley in 2021, she spent 40 years with Merrill Lynch, where she gained invaluable experience in the field of investment strategies and financial planning. She currently resides in Somerset County with her family, including her husband Jules and their children Melissa and Justin. In her free time, Denise enjoys traveling, cooking, and entertaining family and friends.
Securities Agent: TX, AZ, VA, SC, ME, MD, MA, KS, FL, DE, AK, NY, NC, PA, NV, NJ, WA, RI, GA, VT, IL, UT, NH, MN, CO, MI, LA, KY, WI, OH, MO, CT, CA, AL, OR, NE, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 577936
NMLS#: 577936
About Carmela T. D’Anna
Carmela D'Anna is a Vice President and Financial Advisor. Carmela assists in the implementation of financial, investment and wealth management strategies. Carmela also offer access to home financing and access to cash management services. Carmela holds licenses in life and health insurance - disability and long term care. Carmela has a B.S. degree in Communications from East Stroudsburg University.
Securities Agent: VT, OH, MN, MD, MA, PA, NC, MI, LA, AZ, AK, WA, VA, RI, MO, IL, GA, FL, CA, SC, NE, KY, NH, ME, WI, NJ, DE, CO, AL, NY, NV, DC, UT, KS, CT, TX, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 578468
NMLS#: 578468
About Christine Lindemann
Christine Lindemann joined the LiBrizzi/D'Anna Group at Morgan Stanley in 2021. As a Client Service Associate, she provides high quality, client-oriented service as well as facilitates day to day operations. Prior to joining Morgan Stanley, Christine held management positions in the retail industry.
Christine studied at Union County College and Rutgers University. She grew up in Rahway, NJ and currently resides in Glen Gardner, NJ with her beloved dog, Remi. In her free time, Christine enjoys playing golf, hiking, traveling and watching professional hockey games.
Christine studied at Union County College and Rutgers University. She grew up in Rahway, NJ and currently resides in Glen Gardner, NJ with her beloved dog, Remi. In her free time, Christine enjoys playing golf, hiking, traveling and watching professional hockey games.
Contact Denise Li Brizzi
Contact Carmela T. D’Anna
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact LiBrizzi/D'Anna Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
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.
2When 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
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)
