Executive Director, Private Wealth Management, Private Wealth Advisor, International Client Advisor, Portfolio Manager, Alternative Investments Director
Phone:
(305) 671-2019(305) 671-2019
MAS Cubed Group at Morgan Stanley
Direct:
(305) 671-2019(305) 671-2019
Our Mission Statement
Our Firm has a clear and consistent business purpose: to act as a trusted advisor to clients globally, helping them raise, manage, and allocate capital. Our team crafts personalized investment strategies within comprehensive financial plans for a select global clientele of successful individuals, families and institutions.
Our Story and Services
At The Mas Cubed Group, we are a multinational team led by three highly experienced investing and wealth planning professionals. Combining our own talents with the vast resources of Morgan Stanley, we craft customized wealth management solutions for a select global clientele of successful business owners and stewards of significant wealth. Grounded in investment strategy, our comprehensive solutions involve tax and estate advisory, insurance planning, strategic borrowing and virtually anything else that touches our clients’ financial lives. We work closely with our clients’ other trusted advisors, seeking to help each family we serve protect, grow and transfer wealth across generations.
The members of our team have personal and professional experience that spans the Spanish-speaking world, as well as the United States. So, we not only understand the unique requirements of cross-border investors, we also have a robust knowledge of the local business and market conditions in each jurisdiction we cover. We speak your language, share your culture and are able to provide connectivity to institutional resources to support your business objectives as well as your personal ambitions.
We look forward to learning more about you, your business and your family and to discussing the resources we can place at your disposal. To begin that conversation, please.
The members of our team have personal and professional experience that spans the Spanish-speaking world, as well as the United States. So, we not only understand the unique requirements of cross-border investors, we also have a robust knowledge of the local business and market conditions in each jurisdiction we cover. We speak your language, share your culture and are able to provide connectivity to institutional resources to support your business objectives as well as your personal ambitions.
We look forward to learning more about you, your business and your family and to discussing the resources we can place at your disposal. To begin that conversation, please
Services Include
- Wealth PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Cash Management and Lending ProductsFootnote3
- Alternative InvestmentsFootnote4
- Structured ProductsFootnote5
- Sustainable InvestingFootnote6
- Estate Planning StrategiesFootnote7
- Business Succession PlanningFootnote8
- Life InsuranceFootnote9
- Asset Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our team works to build enduring and productive relationships with a global clientele of affluent families and individuals and select institutions. We are proud that many of these relationships have endured for well over a decade, and now span generations as well as borders. While the plans and strategies we create are fully customized to the needs of each client we serve, we do find that they tend to share similar challenges and opportunities based on the manner in which they created their wealth.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Location
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 671-2019(305) 671-2019
Meet MAS Cubed Group
Senior Vice President, Private Wealth Advisor, International Client Advisor, Portfolio Manager
Phone:
(305) 671-2017(305) 671-2017
Marco Rivera
Registered Client Service Associate
Phone:
(305) 347-2076(305) 347-2076
Violeta Pavon
Client Service Associate
Phone:
(305) 347-6275(305) 347-6275
Antonella Quiroga
Registered Client Service Associate
Phone:
(305) 347-2064(305) 347-2064
About Ricardo J. Avila
Drawing on more than two decades of global financial services experience, Ricardo Avila delivers comprehensive wealth management solutions to an elite clientele of affluent families from Spanish-speaking nations in the Caribbean and the Americas. His primary focus is on clients who live and work in the Dominican Republic, Guatemala, Costa Rica, Honduras and his native El Salvador.
Prior to joining Morgan Stanley International Wealth Management in 2020, Ricardo spent 17 years at Banco Santander International in Miami, where he progressed through senior roles that included Senior Banker, Team Leader and Regional Director of the Central America & Caribbean market. Earlier in his career, Ricardo served as an Assistant Vice President at Coutts International, focusing on the Mexican market.
Ricardo earned a BBA from the University of Miami, majoring with in economics and finance, and went on to participate in graduate programs in Finance at London School of Economics. Raised in San Salvador and Miami, he is fluent in Spanish and English. Outside of work, Ricardo enjoys playing golf, boating and fishing.
Prior to joining Morgan Stanley International Wealth Management in 2020, Ricardo spent 17 years at Banco Santander International in Miami, where he progressed through senior roles that included Senior Banker, Team Leader and Regional Director of the Central America & Caribbean market. Earlier in his career, Ricardo served as an Assistant Vice President at Coutts International, focusing on the Mexican market.
Ricardo earned a BBA from the University of Miami, majoring with in economics and finance, and went on to participate in graduate programs in Finance at London School of Economics. Raised in San Salvador and Miami, he is fluent in Spanish and English. Outside of work, Ricardo enjoys playing golf, boating and fishing.
Securities Agent: NY, MD, GA, CO, OR, FL, DE, DC, VI, VA, TX, SC, SD, PA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2150357
NMLS#: 2150357
About Francisco Salazar Moreno
Drawing on 15 years of international investing experience, Francisco Salazar Moreno crafts highly customized strategies for a global clientele of affluent families and individuals. As a designated Portfolio Manager, Francisco generates investment ideas, advises on strategic and tactical asset allocations and offers assessment of risk and volatility in his clients portfolios.
Prior to joining Morgan Stanley in 2020, Francisco spent thirteen years at Banco Santander. As their Director of Active Investment Services, he led a team that catered to accredited investors, offering portfolio advisory trading and portfolio management services utilizing strategic and tactical allocation. Prior to joining Banco Santander, Francisco began his career at Morgan Stanley in Madrid, Spain.
Francisco holds two university degrees, Bachelor in Law from Universidad Complutense de Madrid and a Master in Stock Exchanges and Financial Markets from Instituto de Estudios Bursatiles (IEB) in Spain. Francisco additionally has participated in graduate programs in Finance at London School of Economics.
Born in Madrid and raised in Murcia, Spain, Francisco is fluent in Spanish and English.
Prior to joining Morgan Stanley in 2020, Francisco spent thirteen years at Banco Santander. As their Director of Active Investment Services, he led a team that catered to accredited investors, offering portfolio advisory trading and portfolio management services utilizing strategic and tactical allocation. Prior to joining Banco Santander, Francisco began his career at Morgan Stanley in Madrid, Spain.
Francisco holds two university degrees, Bachelor in Law from Universidad Complutense de Madrid and a Master in Stock Exchanges and Financial Markets from Instituto de Estudios Bursatiles (IEB) in Spain. Francisco additionally has participated in graduate programs in Finance at London School of Economics.
Born in Madrid and raised in Murcia, Spain, Francisco is fluent in Spanish and English.
Securities Agent: NC, CA, OR, MO, CO, OH, IL, DC, SD, FL, TX, NV, DE, PA, VA, NY, MD, WY, VI, SC, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2172889
NMLS#: 2172889
About Carlos Mercadal
CCarlos Mercadal Vilchez brings over two decades of wealth management experience to service of an international clientele of affluent families and individuals. Carlos concentrates on business development, with a particular focus on developing relationships in Mexico, Central America and the Caribbean.
Carlos joined Morgan Stanley in 2020, after 16 years at Banco Santander in Barcelona and Miami. Among his many roles at Banco Santander, Carlos served as a Senior Banker, Team Leader, and Regional Director of Mexico, Central America and Caribbean markets. He holds a degree in business administration from Universidad Internacional de Catalunya and an MBA from ESADE.
Born and raised in Barcelona Spain, Carlos is fluent in Spanish and English and Catalan. He volunteers his time serving as Treasury director at the Fundacion Amics de la Gent Gran. He also enjoys biking, skiing and futbol.
Carlos joined Morgan Stanley in 2020, after 16 years at Banco Santander in Barcelona and Miami. Among his many roles at Banco Santander, Carlos served as a Senior Banker, Team Leader, and Regional Director of Mexico, Central America and Caribbean markets. He holds a degree in business administration from Universidad Internacional de Catalunya and an MBA from ESADE.
Born and raised in Barcelona Spain, Carlos is fluent in Spanish and English and Catalan. He volunteers his time serving as Treasury director at the Fundacion Amics de la Gent Gran. He also enjoys biking, skiing and futbol.
Securities Agent: VA, PA, NY, CA, OH, OR, MD, VI, SD, SC, DC, NV, FL, CO, TX, IL, RI, NC, MO, DE, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2084541
NMLS#: 2084541
About Marco Rivera
Contributing to an exceptional overall service experience, Marco Rivera works directly with the team’s clients to address their every-day financial needs. He focuses on building maintaining strong client relationships by efficiently processing request, resolving inquiries, and providing access to firm services and solutions. Marco also provides an extensive range of operational and administrative support services to the team’s Financial Advisors.
Prior to joining Morgan Stanley, Marco worked in a client service capacity at a has worked as a Client Service Associate for various financial institutions, including Bank Leumi, Bank Hapoalim, and Safra National Bank. His ten years of experience in customer service has taught him the importance of going the extra mile for our clients and consistently working to improve their customer experience. Marco Rivera holds Series 7 and Series 66 licenses from FINRA.
Marco Rivera is originally from Venezuela and have been living in the United States for over 20 years. Marco Rivera is fluent in both Spanish and English. Outside of work, he enjoys spending time with his two-year-old son, friends, and family.
About Violeta Pavon
Drawing on more than three decades of international banking and wealth management experience, Violeta Pavon is responsible for an extensive variety of operational and administrative responsibilities. Often serving as a first point of contact for clients, Violeta contributes to an outstanding overall service experience by ensuring that all requests are handled promptly and professionally.
Violeta joined Morgan Stanley International Wealth Management in 2020 after seven years at Banco Santander International in Miami. Among her roles, she served as a Relationship Associates Coordinator and Assistant to the Regional Manager for the Mexican Region, where she was in charge of managing a team of thirteen relationship assistants in Miami, Houston and San Diego. Over the course of her international banking career, she has held positions in operations, credit, corporate actions and trading at major international banks, including BNP Paribas, Banco Itau, ABN Amro, Coutts International, EFG Capital and Banco International de Costa Rica. She holds a B.S. in accounting from the University of Miami and has studied international banking at the American Institute of Banking.
Born and raised in Nicaragua, Violeta is fluent in Spanish and English. She now lives in Miami, where she enjoys traveling and reading in her free time.
About Antonella Quiroga
I am a Registered Client Services Associate at Morgan Stanley, with over 3 years of experience in the financial services industry. Before joining Morgan Stanley, I worked as a Wealth Management Associate at Bolton Global Capital, where I supported high-net-worth clients and collaborated with advisors to foster business growth. My role centers on ensuring accuracy in trades, funds transfers, and transactions, while building meaningful client relationships.
Originally from Argentina, I moved to Miami 12 years ago, where I’ve been able to merge my passion for client service with a career in finance. I spent 10 years in the hospitality industry, honing my expertise in customer relations—skills that have proven invaluable in wealth management.
I hold active Series 7 & 66 licenses and am currently in my senior year at Florida International University, pursuing a Bachelor’s degree in Information Technology with a minor in Business. Outside of work, I enjoy spending time with family and friends, and am a passionate dog lover, as well as a tennis and soccer enthusiast.
Originally from Argentina, I moved to Miami 12 years ago, where I’ve been able to merge my passion for client service with a career in finance. I spent 10 years in the hospitality industry, honing my expertise in customer relations—skills that have proven invaluable in wealth management.
I hold active Series 7 & 66 licenses and am currently in my senior year at Florida International University, pursuing a Bachelor’s degree in Information Technology with a minor in Business. Outside of work, I enjoy spending time with family and friends, and am a passionate dog lover, as well as a tennis and soccer enthusiast.
Contact Ricardo J. Avila
Contact Francisco Salazar Moreno
Contact Carlos Mercadal
Wealth Management
Global Investment Office
Portfolio Insights
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
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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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.
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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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact MAS Cubed Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan 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.
3Morgan 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
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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan 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.
3Morgan 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
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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
