Patricia L. Rogus
First Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist,
Portfolio Manager
Direct:
(412) 392-5850(412) 392-5850
Toll-Free:
(800) 245-6100(800) 245-6100
My Mission Statement
Working with you to preserve and grow wealth for your long-term goals
My Story and Services
Patricia Rogus is a First Vice President, Portfolio Manager, and Financial Planning Specialist at Morgan Stanley. She has 28 years of wealth management experience starting with Smith Barney in 1996. She joined Morgan Stanley through the Smith Barney merger. She was named by the Five Star Professional "A Five Star Wealth Manager," from 2012-2024, as this award was published in the Pittsburgh Magazine.
By putting her clients first and sincerely caring about their future, Patricia has developed a successful practice dedicated to building and enhancing long term relationships. Her client base is relatively small so she can provide personal attention to each individual’s situation. She is willing to spend hours to get to know the client, their family, their values, concerns, whether financial or otherwise. Her favorite part of the business is when clients share their success stories.
As a Financial Planning Specialist, Patricia develops retirement plans, retirement distribution plans, investment plans, education funding plans, and estate planning and stock option strategies. Patricia can provide access to a full range of investment products and services including stocks, bonds, mutual funds, managed accounts, options, annuities, IRA’s, and access to lending services She is also insurance licensed and can assist in life, long term care, and annuities. Patricia holds a Portfolio Manager designation. As a Portfolio Manager, Patricia can manage investment advisory accounts on a discretionary basis.
Before becoming a Financial Advisor, Patricia worked as an industrial engineer at a steel mill and later as a project engineer for a manufacturing company. Having an engineering mindset gives Patricia the advantage of bringing an analytical and detailed-oriented perspective to financial planning and portfolio management.
Patricia was born and raised in the Pittsburgh area. She earned a MBA from the University of Pittsburgh and an undergraduate degree in Mathematics from Carnegie Mellon University, where she graduated with University Honors. Along with her Financial Planning Specialist and Portfolio Manager designations, Patricia has Series 7, Series 63, and Series 65 licenses.
Community involvement is very important to Patricia. She participates in numerous activities at her church including singing in the choir. Patricia lives in Pittsburgh with her husband and son. In her free time, she enjoys traveling, singing, and watching sports. She is an avid Penguins, Pirates, and Steelers fan as well as cheering for Duquesne and Carnegie Mellon men’s and women’s basketball.
The individuals mentioned as the Portfolio Manager is Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
By putting her clients first and sincerely caring about their future, Patricia has developed a successful practice dedicated to building and enhancing long term relationships. Her client base is relatively small so she can provide personal attention to each individual’s situation. She is willing to spend hours to get to know the client, their family, their values, concerns, whether financial or otherwise. Her favorite part of the business is when clients share their success stories.
As a Financial Planning Specialist, Patricia develops retirement plans, retirement distribution plans, investment plans, education funding plans, and estate planning and stock option strategies. Patricia can provide access to a full range of investment products and services including stocks, bonds, mutual funds, managed accounts, options, annuities, IRA’s, and access to lending services She is also insurance licensed and can assist in life, long term care, and annuities. Patricia holds a Portfolio Manager designation. As a Portfolio Manager, Patricia can manage investment advisory accounts on a discretionary basis.
Before becoming a Financial Advisor, Patricia worked as an industrial engineer at a steel mill and later as a project engineer for a manufacturing company. Having an engineering mindset gives Patricia the advantage of bringing an analytical and detailed-oriented perspective to financial planning and portfolio management.
Patricia was born and raised in the Pittsburgh area. She earned a MBA from the University of Pittsburgh and an undergraduate degree in Mathematics from Carnegie Mellon University, where she graduated with University Honors. Along with her Financial Planning Specialist and Portfolio Manager designations, Patricia has Series 7, Series 63, and Series 65 licenses.
Community involvement is very important to Patricia. She participates in numerous activities at her church including singing in the choir. Patricia lives in Pittsburgh with her husband and son. In her free time, she enjoys traveling, singing, and watching sports. She is an avid Penguins, Pirates, and Steelers fan as well as cheering for Duquesne and Carnegie Mellon men’s and women’s basketball.
The individuals mentioned as the Portfolio Manager is Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Services Include
- 401(k) Rollovers
- Access to Lending Services
- Asset Management
- Business PlanningFootnote1
- Business Succession PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Education Planning
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Family Consulting
- Financial PlanningFootnote6
- Long Term Care InsuranceFootnote7
- Philanthropic Services
- Professional Portfolio ManagementFootnote8
- Qualified Plans
- Retirement PlanningFootnote9
- Trust Services and Accounting
- Wealth ManagementFootnote10
- Life InsuranceFootnote11
Securities Agent: SD, CO, VA, UT, GA, TX, MD, HI, CT, AK, ME, DC, PR, NJ, MA, FL, WI, IL, AL, WA, SC, PA, NH, MS, IN, ID, CA, AZ, WV, NC, MI, LA, TN, OH, NY, NV, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1268369
CA Insurance License #: 0C09799
NMLS#: 1268369
CA Insurance License #: 0C09799
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education and Licensing
- Master of Business Administration, 1978 University of Pittsburgh
- Bachelor of Science - Mathematics, 1975 Carnegie Mellon University Pittsburgh, PA
- Financial Planning Specialist Designation
- Guided Portfolio Management Program Smith Barney
- Life, Health, Accident & Variable Annuity Insurance Licensed
- Series 7 - General Securities Representative
- Series 63 - Uniform State Exam
- Series 65 - Investment Advisory Agent
Associations
- Carnegie Mellon University Alumni Association Pittsburgh, PA
- Carnegie Mellon University Women's Clan Pittsburgh, PA
- Chi Omega Fraternity
2012-2024 Five Star Wealth Advisor Award
2012-2024 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024
https://www.morganstanley.com/disclosures/awards-disclosure.html
Honors and Recognition
- 2012 thru 2024 FIVE STAR: Wealth Manager
- Graduated with University Honors Carnegie Mellon
- Vincent Lanfear Award University of Pittsburgh
- Blue Chip Award
- National Association of Professional Women
Location
1 PPG Place
Ste 1300
Pittsburgh, PA 15222
US
Direct:
(412) 392-5850(412) 392-5850
Toll-Free:
(800) 245-6100(800) 245-6100
Fax:
(412) 927-0775(412) 927-0775
Wealth Management
From My Desk
Steps that May Reduce Your Taxes on Your Income and Portfolio
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
A Simple Six-Step Retirement Checkup
Article Image
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
The Robots are Coming
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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
Article Image
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
Ready to start a conversation? Contact Patricia L. Rogus today.
1Morgan 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9When 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Insurance 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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9When 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Insurance 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)
