Matthew K Johnson
Associate Vice President, Business Development Associate, Financial Planning Specialist
Phone:
(952) 830-4371(952) 830-4371
Pravin Kumar, CFA®, CEPA®
Senior Vice President, Wealth Management,
Financial Advisor,
Alternative Investments Director,
Certified Exit Planning Advisor™ (CEPA),
Chartered Financial Analyst,
Senior Portfolio Manager
Direct:
(914) 357-1393(914) 357-1393
Direct:
(507) 529-4418(507) 529-4418
My Mission Statement
Serving as a valued advocate on clients' financial journeys, offering concise professional guidance and support.
My Story and Services
Pravin Kumar is a highly experienced Financial Advisor at Morgan Stanley with over three decades of experience in the financial services industry. His passion is helping successful professionals and entrepreneurs achieve their lifestyle goals through a holistic, personalized approach to financial planning. Across his tenure, he has gained his CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Exit Planner® (CEPA®), is a Portfolio Manager, and is an Alternatives Investment Director.
With 28 years as an investment advisor and portfolio manager at CIBC Wood Gundy in Vancouver, Canada, and over three years as an International Client Advisor at Morgan Stanley, Pravin brings a depth of knowledge to every client relationship. He works with Canadian permitted clients and can onboard clients from select countries in Europe, Latin America, and Asia, subject to Morgan Stanley's country-specific eligibility criteria. When appropriate, Pravin collaborates with U.S.-based financial advisors to assist their international clients, providing a thoughtful and integrated experience.
As an International Client Advisor, Pravin serves clients with cross-border needs while fostering relationships both in the U.S. and abroad. His approach is highly individualized, focusing on creating customized portfolios that align with each client’s unique risk profile and long-term objectives. Regular communication, including quarterly reviews, ensures that his clients’ plans adapt to their evolving goals.
Born in India, Pravin holds a Bachelor of Technology in Civil Engineering from the Indian Institute of Technology in Delhi, a Master of Business Administration (Finance) from the University of British Columbia in Vancouver, and is a Chartered Financial Analyst (CFA).
Pravin values regular communication with his clients, offering quarterly reviews and touchpoints to ensure their needs are met. He also has a commitment to his community, serving as a board member of the World Diabetes Foundation and treasurer for the North American Alumni CMC Vellore 2023 event.
In his personal life, Pravin enjoys traveling, cycling, and playing bridge. He has a passion for giving back, having participated in various charitable events including a climb of Mount Kilimanjaro and two-day 200KM bike rides for cancer research. He is married to Dr. Prathibha Varkey, a physician and the President of Mayo Clinic Health System, and has two daughters.
With 28 years as an investment advisor and portfolio manager at CIBC Wood Gundy in Vancouver, Canada, and over three years as an International Client Advisor at Morgan Stanley, Pravin brings a depth of knowledge to every client relationship. He works with Canadian permitted clients and can onboard clients from select countries in Europe, Latin America, and Asia, subject to Morgan Stanley's country-specific eligibility criteria. When appropriate, Pravin collaborates with U.S.-based financial advisors to assist their international clients, providing a thoughtful and integrated experience.
As an International Client Advisor, Pravin serves clients with cross-border needs while fostering relationships both in the U.S. and abroad. His approach is highly individualized, focusing on creating customized portfolios that align with each client’s unique risk profile and long-term objectives. Regular communication, including quarterly reviews, ensures that his clients’ plans adapt to their evolving goals.
Born in India, Pravin holds a Bachelor of Technology in Civil Engineering from the Indian Institute of Technology in Delhi, a Master of Business Administration (Finance) from the University of British Columbia in Vancouver, and is a Chartered Financial Analyst (CFA).
Pravin values regular communication with his clients, offering quarterly reviews and touchpoints to ensure their needs are met. He also has a commitment to his community, serving as a board member of the World Diabetes Foundation and treasurer for the North American Alumni CMC Vellore 2023 event.
In his personal life, Pravin enjoys traveling, cycling, and playing bridge. He has a passion for giving back, having participated in various charitable events including a climb of Mount Kilimanjaro and two-day 200KM bike rides for cancer research. He is married to Dr. Prathibha Varkey, a physician and the President of Mayo Clinic Health System, and has two daughters.
Securities Agent: VT, KY, WY, ME, LA, KS, VI, NY, NJ, MS, MI, ID, DC, AZ, UT, NH, MO, MA, IN, CO, SD, RI, PA, OR, GA, WI, OH, IA, FL, DE, CT, CA, AL, TX, NC, AK, TN, VA, SC, PR, NM, MN, MD, AR, OK, IL, HI, WA, NV, WV, NE, ND, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 2170783
NMLS#: 2170783
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What are Alternative Investments?
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to unique opportunities to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.
With 45+ years of experience and $230+ billion in client assets invested in alternatives, Morgan Stanley is an industry leader in the asset class. Individuals and institutions can gain access to exclusive offerings, preeminent fund managers and innovative investment opportunities spanning private equity, private credit, real assets, hedge funds and more.
See the link below for more information..
Disclosures
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Outlooks & Updates
My goal is to make complex financial concepts understandable to my clients by presenting them in a clear and concise fashion, enabling them to gain a better understanding of the complexities involved in planning for their financial futures. I am a firm believer in providing my clients with a wealth of tools to help them remain current on market trends, analyses, and forecasts. The resources mentioned below provide in-depth analysis of current market events and financial issues affecting the business landscape.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
2025 Federal Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Morgan Stanley Ideas
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Reserved Living & Giving
Reserved Living & Giving is a complimentary loyalty program, with over 50 offers and discounts from premier brands, designed to enhance your lifestyle beyond traditional wealth management services. The program provides access to exclusive partner offers, insights from Morgan Stanley thought leaders and inspiring philanthropic stories.
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save. There are two ways you may participate, either 1) bring new cash deposits from external sources or 2) use proceeds from the sale, income or distribution from securities in your eligible Morgan Stanley brokerage accounts.
CD Rates
Get More Value For Your Cash With This Competitive New Money CD Offer From Morgan Stanley. Your funds will continue to receive a premium rate once the CD matures, making this offer an attractive option for your cash management strategy.
The GIC Weekly
The Global Investment Committee (GIC) is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
US Policy Pulse
Monthly publication that assesses the market relevance of recent domestic policy events.
At Morgan Stanley, We Offer Comprehensive Strategies
As a business owner, you've devoted your career to building your company. Now is the time to plan for what comes next: spending more time with your family and pursuing new challenges. It is a transition that is among the most complex in the business world … and life.
Creating and growing a successful business is seldom just about money, nor is the decision to exit the business, whether that exit is through an IPO, merger with another company, private sale or succession within the family. The process is intense, the details are complex, and the decisions are often an unexpected combination of personal and financial
- Work with you and your key executives and advisors to help them prepare your business for sale
- Analyze each exit opportunity
- Connect you with investment banking professionals and other specialists
- Implement strategies to help manage taxes and seek to optimize flexibility
- Oversee and simplify the details of your financial life
- Manage your investments, including your balance sheet and liquidity needs
- Implement wealth transfer and legacy planning strategies
- Integrate philanthropy into your overall wealth management strategy
- Identify your team who can help you make the best decisions for your business and your personal finances. Your team should include an estate attorney, corporate attorney, investment banker, accountant, a business valuation expert and your Financial Advisor.
- Your team can help you:
- Conduct a market analysis to determine the current value of your business
- Review your company's "curb appeal" to optimize the sale price
- Update your financial and estate plans
- Evaluate various strategies to understand the pros and cons of each
- Identify growth levers and focus your attention accordingly. It's also important to ensure continuity among owners. Take the time to train your successor and secure key employees through incentives and opportunities for personal growth.
- Continue growing your business to increase its valuation. Focus on tasks that are yet to be completed to educate potential buyers that your business can be transferred without endangering potential cash flows and profits.
- Begin to implement transfer strategies and work with your team to consider various strategies to transfer your business to family members.
- Once you've completed your transaction, take some time to celebrate.
- Then, work with your team to update your personal wealth management plan.
- As your business has created new wealth for you and your family, it has most likely added complexity to your personal financial life. We can help you oversee those details, including managing the opportunities and risks that can come with your new balance sheet and investment portfolio.
ORGANIZING THE TRANSITION
ONGOING SUPPORT AFTER THE TRANSITION
STAGE ONE: PRE-PLANNING
STAGE TWO: SALE/TRANSFER PROCESS
Focus on growing your business to increase its potential that buyers can envision taking over with minimal changes:
STAGE THREE: POST-SALE ENGAGEMENT
Cross-Border Financial Services
As a Morgan Stanley International Client Advisor (ICA), I am uniquely positioned to serve Canadian permitted clients. With nearly three decades of experience in the market, a deep understanding of cross-border financial needs, and over 10 years of experience as a Portfolio Manager licensed for discretionary equity, I am here to help you navigate your financial journey.
- Having extensive experience in the Canadian tax rules, I provide relevant tax reports to my clients that are required from the Canada Revenue Agency for tax filing.
- Canadian domiciled holding and operating corporations are generally not subject to estate taxes; however, please consult your tax advisor.
Cross-Border Experience
Leveraging my extensive experience and deep understanding of the financial landscape in both the U.S. and Canada, I provide guidance tailored to your unique situation. Whether you're a Canadian living in the U.S., a U.S. resident with financial interests in Canada, or residing in Canada, I'm here to help.
Discretionary Equity Experience
With over 10 years of experience as a Portfolio Manager licensed for discretionary equity, I have the know-how to manage your portfolio and make investment decisions on your behalf.
Resources for Canadians
As a client, you will have access to top alternative products platforms and family office resources for cross-border issues. These resources can help you navigate complex financial needs and make informed decisions.
Morgan Stanley Wealth Canada
With Morgan Stanley Wealth Canada now accepting external clients, we can help Canadians manage both their taxable assets via Morgan Stanley Smith Barney and their custodial assets- RRSPs, RRIFs and TFSAs at the Morgan Stanley Wealth Canada platform.
Common Questions and Answers
How will the transition to a U.S.- based financial advisor impact my tax reporting?
Are my assets subject to U.S. estate rules?
Contact Me
Ready to take the next step in your financial journey? Contact me today to schedule a consultation.
Location
14 Second Street SW
Suite 201
Rochester, MN 55902
US
Direct:
(914) 357-1393(914) 357-1393
Meet My Team
Sophia V. Demou
Wealth Management Associate
Phone:
(952) 830-4372(952) 830-4372
Pinkey Tamang
Client Relationship Analyst
Phone:
(952) 830-4373(952) 830-4373
Kimberly Crook
Registered Client Relationship Analyst
Phone:
(952) 830-4376(952) 830-4376
About Matthew K Johnson
Matt grew up in Superior, WI and graduated from The College of St. Scholastica with a Bachelor of Arts degree in Humanities in Duluth, MN. He started with Morgan Stanley in 2017 and brings over a decade of experience delivering exceptional client service.
Prior to joining Pravin’s team, he worked on the institutional side, where he managed a team that provided operational support to Family Office clients.
Matt is excited to be back in the Twin Cities and when not spending time with his family, he enjoys camping, golf, and watching sports.
Prior to joining Pravin’s team, he worked on the institutional side, where he managed a team that provided operational support to Family Office clients.
Matt is excited to be back in the Twin Cities and when not spending time with his family, he enjoys camping, golf, and watching sports.
About Sophia V. Demou
Sophia grew up in Lakeville, MN and graduated from the University of Wisconsin Madison’s School of Business with a degree in Finance and Investment Banking. She started her career in Scottsdale, Arizona with Vanguard’s Client Service and Operations division.
In 2022, Sophia joined Morgan Stanley where she worked on the institutional side supporting high net worth Family Office clients.
Outside of work Sophia enjoys spending time with her family and pets, reading, hiking, and playing pickleball.
In 2022, Sophia joined Morgan Stanley where she worked on the institutional side supporting high net worth Family Office clients.
Outside of work Sophia enjoys spending time with her family and pets, reading, hiking, and playing pickleball.
About Pinkey Tamang
Pinkey has a bachelor’s degree in business administration and has a background in banking, digital marketing, and customer relationships.
Most recently, Pinkey was a Relationship Banker at Bank of America.
She speaks three languages, English, Nepali, and Hindi. Outside of work Pinkey enjoys fishing with her husband, baking, cooking, and spending time with family and friends.
Most recently, Pinkey was a Relationship Banker at Bank of America.
She speaks three languages, English, Nepali, and Hindi. Outside of work Pinkey enjoys fishing with her husband, baking, cooking, and spending time with family and friends.
About Kimberly Crook
Kimberly is a Navy Veteran with an extensive background in secure communications, program & contract management and international education. She holds a master’s degree in educational leadership from Framingham State University and a bachelor’s degree in business administration from Thomas Edison State University.
In 2021 Kimberly joined Morgan Stanley through E*Trade, working in the corporate stock plan department in Alpharetta, Ga. While in Minnesota she has supported wealth management and stock plan/10b5-1 clients.
She has been married for 22 years and has three children. Her family also includes two standard poodles (Dumpling & Harley), a shih-tzu (Benji), and a Donskoy cat (Cleo).
In 2021 Kimberly joined Morgan Stanley through E*Trade, working in the corporate stock plan department in Alpharetta, Ga. While in Minnesota she has supported wealth management and stock plan/10b5-1 clients.
She has been married for 22 years and has three children. Her family also includes two standard poodles (Dumpling & Harley), a shih-tzu (Benji), and a Donskoy cat (Cleo).
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
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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
Rational Investing in an Age of Uncertainty
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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
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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
Ready to start a conversation? Contact Pravin Kumar today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
CRC 4665150 (8/2025)
