Steven Gobel
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(413) 736-1133(413) 736-1133
Main Street Legacy Group at Morgan Stanley
Our Mission Statement
Experienced, collaborative team delivering complete wealth management services and tailored solutions to meet the complex financial goals and needs of our clients
Our Story and Services
With over 112 years of combined experience, the Main Street Legacy Group at Morgan Stanley works to deliver trusted insights, advice, and solutions to make a difference in our client’s future. Our Advisory Team works closely with individuals and their families to simplify the complexities of wealth management. Our process focuses on building strong relationships and fully understanding our client’s complete financial picture. This allows us to develop a customized plan to meet your long-term goals.
At the Main Street Legacy Group, we are always leveraging each other’s knowledge and experience. When applicable, our team also draws on the vast resources of Morgan Stanley, one of the world’s largest financial services organizations, and a leader in research, analytics, financial planning, open architecture portfolio management, and private banking.
The team is supported by two full-time service professionals with a combined 53 plus years of experience in Wealth Management. The primary goal of our support professionals is to organize and simplify the financial lives of our clients.
At the Main Street Legacy Group, we are always leveraging each other’s knowledge and experience. When applicable, our team also draws on the vast resources of Morgan Stanley, one of the world’s largest financial services organizations, and a leader in research, analytics, financial planning, open architecture portfolio management, and private banking.
The team is supported by two full-time service professionals with a combined 53 plus years of experience in Wealth Management. The primary goal of our support professionals is to organize and simplify the financial lives of our clients.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
The Main Street Legacy Group process starts with a conversation. We seek to understand your whole financial picture allowing us to develop a purposeful financial plan that aligns with your values and investment objectives.
Step 1 - Introduction
• Understand your current financial picture and concerns
• Explain how we work closely with you and your family
• Discuss the importance of a financial plan and the information needed to develop a tailored, comprehensive path forward
• Explain how we work closely with you and your family
• Discuss the importance of a financial plan and the information needed to develop a tailored, comprehensive path forward
Step 2 - Discovery
• Learn about your personal, professional, and financial situation
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
Step 3 – Analysis & Assessment
• Evaluate your current and future financial situation
• Utilize a variety of financial planning and risk assessment tools to run personalized projections
• Identify opportunities in all aspects of your financial life
• Utilize a variety of financial planning and risk assessment tools to run personalized projections
• Identify opportunities in all aspects of your financial life
Step 4 – Develop Your Financial Plan
• Prepare your personalized financial plan - with diversification and asset allocation strategies unique to you
• Present your plan - with a focus on the next steps and establishing timelines
• Openly discuss costs - emphasizing how we select investments to minimize fees and taxes
• Present your plan - with a focus on the next steps and establishing timelines
• Openly discuss costs - emphasizing how we select investments to minimize fees and taxes
Step 5 - Implementation
• Upon approval, begin to put the plan into motion
• Finalize other wealth management strategies that may include risk management techniques and estate planning solutions
• Keep you informed at each stage
• Finalize other wealth management strategies that may include risk management techniques and estate planning solutions
• Keep you informed at each stage
Step 6 – Ongoing Support
• Continue to check with you to review status and track progress toward your goals
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Discuss changes in your life, adjusting your plan and portfolio accordingly
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Discuss changes in your life, adjusting your plan and portfolio accordingly
Your Legacy
The Main Street Legacy Group will support you though every step in building a plan for retirement and beyond. Our teams takes careful consideration of each client's future plans, preferences, and goals. We will explain your options and help you navigate unique situations.
Retirement
- Planning Based on Your Timeline
- The Psychological Transition into Retirement
- Identifying and Mitigating Risk
- Establishing a Tax Management Strategy
Estate
- Wills, Trusts, and Estates
- Draft and Revisions
- Annual Gifting
- Tax Implications
Personalized Solutions
From buying a home to 401(k) rollovers to retirement planning, the Main Street Legacy Group seeks to provide solutions to address your financial questions and complement your investment strategies.
Financial Planning
Life is full of uncertainties. We will support you through these events and relieve financial stress so you can focus on what you do best.
Retirement Planning
How do I maintain my current lifestyle without worrying about running out of money? What are the tax implications and my options as I enter retirement? As you approach the end of your career, we will help address all your concerns and set you up for the next steps in your life.
Estate Planning
The aging process can be challenging and requires proper planning. We want to make sure you take the rights steps in making arrangements to pass on your estate.
Life Insurance
At Morgan Stanley, we offer a full suite of insurance and annuities solutions backed by its license insurance agency affiliates that can aid in safeguarding you and your loved ones.
Banking and Lending
From cash management to mortgages, Morgan Stanley offers a range of Cash and Lending solutions. Our advisors will help identify opportunities to complement your overall financial strategy.
Professional Portfolio Management
Our team identifies market opportunities and develops strategies for your portfolio that align with your values and objectives.
Resource Center
Financial education helps lead to better insights in our investment strategy and your financial picture, ultimately leading to better long-term results. We are committed to providing you important information and resources to help effectively navigate today's changing markets.
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
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
GIC Weekly
The Global Investment Committee headlines this weekly look at the markets.
Read the GIC Weekly Report
GIC Monthly
Listen in on Lisa Shalett, Chief Investment Officer & Head of the Global Investment Office at Morgan Stanley, and her discussion around current market outlook and potential investment opportunities in the current environment.
Listen to the GIC Monthly Perspectives Webcast
2024 Federal Tax Tables
This helpful document provides the 2023 tax rate schedule, standard deductions and personal exemption, gift and estate tax deductions, retirement contribution and deduction limits, etc.
View the 2024 Tax Tables
Max Benefits and Contribution Limits
Better understand the maximum benefits and contribution limits to help fully realized your retirement savings capabilities.
View the Maximum Benefits and Contribution Limits
Understanding IRA Required Minimum Distributions
Know how and when to take your retirement distributions is as important to your strategy as the contributions.
View more on IRA Required Minimum Distributions
Transferring Your Trust
Yes, you can transfer your trust from one institution to another.
Learn more about the process
Necesary Considerations and Documents of Estate Planning
Learn more about all the proper documentation you need to prepare to discuss and develop your estate plan.
Necessary Considerations and Documents of Estate PlanningLocation
1500 Main St 19th
Fl
Springfield, MA 01115
US
Direct:
(413) 734-7311(413) 734-7311
Meet Main Street Legacy Group
Phone:
(413) 736-1104(413) 736-1104
James Healey
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(413) 736-1137(413) 736-1137
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Insurance Planning Director
Phone:
(413) 736-1152(413) 736-1152
Diane Stone
Senior Registered Client Service Associate
Phone:
(413) 736-1162(413) 736-1162
Christine Jones
Senior Registered Client Service Associate
Phone:
(413) 736-1154(413) 736-1154
About Steven Gobel
Senior Vice President
Financial Advisor
Steve has 35 years experience in the financial services industry. He has enjoyed a career helping high net worth individuals, families, and businesses achieve their financial goals and manage risk.
A resident of western Massachusetts since 1990, Steve lives with his wife Jean in Wilbraham where they raised three children. Steve coached all three in youth sports and today enjoys golf and skiing.
Financial Advisor
Steve has 35 years experience in the financial services industry. He has enjoyed a career helping high net worth individuals, families, and businesses achieve their financial goals and manage risk.
A resident of western Massachusetts since 1990, Steve lives with his wife Jean in Wilbraham where they raised three children. Steve coached all three in youth sports and today enjoys golf and skiing.
Securities Agent: MT, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TX, VA, VT, WA, WI, FL, NC, DE, DC, CT, CO, CA, AZ, AL, GA, HI, IA, IL, IN, KY, MA, MD, ME, MI, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 2253795
NMLS#: 2253795
About Michael Ashe
Michael J Ashe, III
Senior Vice President
Financial Advisor
Mike has over 20 years of experience in the financial services industry. Throughout his career, Mike’s objective advice has helped individuals, families and businesses achieve their financial goals. Mike is also a Retirement Plan Consultant to retirement plan clients. He helps clients and businesses mitigate risk, provide objective and knowledgeable guidance, advice, and service.
A lifelong resident of Western Massachusetts, Mike is actively engaged in his community. Mike has coached youth sports for several years and is an active volunteer for various non-profit organizations. He enjoys playing hockey, golf, skiing and spending time with his family and friends.
Senior Vice President
Financial Advisor
Mike has over 20 years of experience in the financial services industry. Throughout his career, Mike’s objective advice has helped individuals, families and businesses achieve their financial goals. Mike is also a Retirement Plan Consultant to retirement plan clients. He helps clients and businesses mitigate risk, provide objective and knowledgeable guidance, advice, and service.
A lifelong resident of Western Massachusetts, Mike is actively engaged in his community. Mike has coached youth sports for several years and is an active volunteer for various non-profit organizations. He enjoys playing hockey, golf, skiing and spending time with his family and friends.
Securities Agent: IL, FL, KS, TN, HI, TX, WA, SC, PA, NY, NV, KY, MN, DC, CT, AL, VA, MD, GA, CO, CA, WV, WI, SD, OK, NH, NC, MO, MI, ME, AZ, OR, MA, DE, RI, OH, MT, IA, VT, NJ, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1295621
NMLS#: 1295621
About James Healey
James Healey
Senior Vice President
Financial Advisor
Jim began his financial services career over 30 years ago in operations where he gained a valuable understanding of the financial management business. In 1994, Jim became a financial advisor for PaineWebber.
In 2009, Jim joined Morgan Stanley with his partners Michael Jonah and Michael Ashe. Their practice is built around long-term relationships with families who value a collaborative approach to wealth management. On the team, Jim focuses on understanding and explaining complex investment opportunities while designing strategies to help preserve and grow high net worth clients’ wealth through risk management and goals-based planning.
Jim resides in Agawam, MA and enjoys summers by the pool and spending time with family and friends.
Senior Vice President
Financial Advisor
Jim began his financial services career over 30 years ago in operations where he gained a valuable understanding of the financial management business. In 1994, Jim became a financial advisor for PaineWebber.
In 2009, Jim joined Morgan Stanley with his partners Michael Jonah and Michael Ashe. Their practice is built around long-term relationships with families who value a collaborative approach to wealth management. On the team, Jim focuses on understanding and explaining complex investment opportunities while designing strategies to help preserve and grow high net worth clients’ wealth through risk management and goals-based planning.
Jim resides in Agawam, MA and enjoys summers by the pool and spending time with family and friends.
Securities Agent: MN, NC, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TX, VA, VT, WA, WI, TN, MT, AZ, AL, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KY, MA, MD, ME, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1295665
NMLS#: 1295665
About Joshua Elterman
Senior Vice President
Portfolio Manager
Insurance Planning Director
Financial Advisor
Josh joined Morgan Stanley in 2012. He works closely with his clients regarding all their financial needs; including retirement planning, investments, lending and estate concerns. As a Portfolio Manager he provides objective advice and insight to the Markets.
Josh grew up in Newton, MA and attended the University of Massachusetts. He currently resides in Longmeadow. He enjoys New England sports, staying active, and spending time with his three children and friends.
Portfolio Manager
Insurance Planning Director
Financial Advisor
Josh joined Morgan Stanley in 2012. He works closely with his clients regarding all their financial needs; including retirement planning, investments, lending and estate concerns. As a Portfolio Manager he provides objective advice and insight to the Markets.
Josh grew up in Newton, MA and attended the University of Massachusetts. He currently resides in Longmeadow. He enjoys New England sports, staying active, and spending time with his three children and friends.
Securities Agent: MT, IA, NV, CA, IL, NH, VT, ME, IN, VA, WI, WA, NC, MI, RI, MD, GA, HI, CT, PA, DE, TX, DC, OK, SC, MN, CO, OH, NY, OR, NJ, MA, FL, AZ, AL, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1300700
NMLS#: 1300700
About Diane Stone
Diane started her career in 1991 with Kidder Peabody as an intern in high school. She quickly became interested in a career in the financial industry and was hired as an assistant to a team of Financial Advisors upon her high school graduation. During her 32 year career, Diane has become an advocate for clients and her advisors by providing knowledgeable customer support in all areas of their daily operational needs as well as company policies and procedures. She currently holds her Series 7 and Series 63.
Diane and her two sons reside in West Springfield where she is actively involved with their academics and various high school and college sports. She has also organized many events with the Relay for Life, Juvenile Diabetes Foundation, Wreaths Across America and Friends of the Homeless as well as many other non-profit organizations.
Diane and her two sons reside in West Springfield where she is actively involved with their academics and various high school and college sports. She has also organized many events with the Relay for Life, Juvenile Diabetes Foundation, Wreaths Across America and Friends of the Homeless as well as many other non-profit organizations.
About Christine Jones
Christine is an integral part of the Main Street Legacy Group and has provided invaluable service to our clients and the advisors. She has been a service leader since joining the group eighteen years ago. Beginning her career at PaineWebber in 2001, she has followed the team through a number of firm mergers and joined Morgan Stanley in 2009.
As a Senior Client Service Associate, she is dedicated to providing the highest level of service to our clients and is driven by being enthusiastic and detail oriented. She also provides administrative and operational support.
A native of Western Massachusetts, Christine grew up in Easthampton and now lives with her husband, Rich, in Chicopee, MA. She enjoys spending time with her four grown children who all live locally and getting together with friends.
As a Senior Client Service Associate, she is dedicated to providing the highest level of service to our clients and is driven by being enthusiastic and detail oriented. She also provides administrative and operational support.
A native of Western Massachusetts, Christine grew up in Easthampton and now lives with her husband, Rich, in Chicopee, MA. She enjoys spending time with her four grown children who all live locally and getting together with friends.
Contact Steven Gobel
Contact Michael Ashe
Contact James Healey
Contact Joshua Elterman
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
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Ready to start a conversation? Contact Main Street Legacy Group 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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)
