Preston Schoenfeld, CFP®, CIMA®
Executive Director, Wealth Management,
Financial Advisor,
Family Wealth Director,
Portfolio Management Director
Direct:
(631) 548-4017(631) 548-4017
My Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
My Story
Preston began his career at Morgan Stanley in 2002 as a Financial Advisor and Consulting Group Analyst. He has also held positions as a Senior Analyst within Morgan Stanley’s Institutional Consulting Group and as a Senior Investor Service Associate with two investment management firms.
Preston is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a designation that is considered the recognized standard of excellence for competent and ethical personal financial planning. He has also earned the Certified Investment Management Analyst® (CIMA®) designation from the Wharton School of Business at the University of Pennsylvania.
Preston attended Pace University in New York, where he earned his BBA in Economics. He also earned his certificate of Financial Planning from New York University. Preston is a member of the Investment Management Consultants Association (IMCA), which provides financial advisors with advanced resources and education. On a personal note, Preston strives to better his community through his involvement with the Riverhead Rotary Club, as Treasurer of the Riverhead Rotary Charities and his position as Chair of the Temple Isaiah Caring Committee. Preston also enjoys competitive chess and is a member of the Long Island Chess Club.
tel: (631) 548-4017
email:preston.schoenfeld@morganstanley.com
Preston is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a designation that is considered the recognized standard of excellence for competent and ethical personal financial planning. He has also earned the Certified Investment Management Analyst® (CIMA®) designation from the Wharton School of Business at the University of Pennsylvania.
Preston attended Pace University in New York, where he earned his BBA in Economics. He also earned his certificate of Financial Planning from New York University. Preston is a member of the Investment Management Consultants Association (IMCA), which provides financial advisors with advanced resources and education. On a personal note, Preston strives to better his community through his involvement with the Riverhead Rotary Club, as Treasurer of the Riverhead Rotary Charities and his position as Chair of the Temple Isaiah Caring Committee. Preston also enjoys competitive chess and is a member of the Long Island Chess Club.
tel: (631) 548-4017
email:preston.schoenfeld@morganstanley.com
Securities Agent: DE, ME, MA, WI, TX, TN, NH, AL, NC, AZ, RI, PA, NY, MI, GA, CO, CA, NJ, MD, OH, MT, CT, WV, WA, OR, FL, VA, SC, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1347327
NMLS#: 1347327
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
A quality financial plan is designed to help increase the quality of your life by reducing the unknown of future needs and resources. Financial planning is the process of managing your money and your personal economy. We make a lot of decisions daily some are short term in nature and others are long term which can have negative consequences. The financial planning process requires 4 steps:
Step 1- Understanding You
This is a critical step to establishing a relationship with you. We want to understand what you value in an advisor client relationship. Then we will spend time understanding your current financial situations and your financial goals.
Step 2- Your Goals
The purpose of this step is to determine your needs and wants. Your goals can range from funding college, having enough for retirement, transfer of wealth, buying a home or developing an investment program to increase financial security.
Step 3- Implementation
In this step, we will implement the plan but first we will understand your time frame, your risk tolerance and we will provide the recommendation for the plan. Furthermore, we will provide clear communication and expectations for the plan.
Step 4 – Ongoing Review
We believe that financial planning is living and breathing process. Your goals and financial situation may change. We want to be tactical by reviewing your plan on a timely basis to account for this and make adjustments where necessary.
Depth of Advice
We help individuals, multi-generational families, and business owners, reach their financial goals. We offer solutions to help grow, manage, and preserve your wealth. You will have access to a wealth management team that believes in community, care and accountability.
We also have the experience, and resources to help you reach your goals. Our team understands the complexity of planning and working with a reliable advisory team can help you navigate these challenges. We will account for cash and debt, investment planning,estate planning strategies, and risk management when we create your custom plan for you.
We also have the experience, and resources to help you reach your goals. Our team understands the complexity of planning and working with a reliable advisory team can help you navigate these challenges. We will account for cash and debt, investment planning,estate planning strategies, and risk management when we create your custom plan for you.
Goals
- Growth
- Financial Management
- Preservation of Wealth
Securing Your Future with a Family Wealth Director
Family Wealth Direcors have a unique understanding of the estate planning process entails. Achieving the Family Wealth Director designation is a rigorous process that requires a number of standards to be met in order to be considered. Ultimately, less than 3% of financial advisors achieve this title, and under the guidance of my trusted team, you can feel a sense of relief knowing that we dedicate our practice to safeguarding what's most important to you:
Family Governance and Wealth Education
- The most difficult wealth planning challenge many ultra-high net worth families face is not the management of their financial capital, but the management of their human capital. By helping you articulate and preserve your deeply held values, we enable you to maximize the value of your human capital and create an enduring family legacy.
Multigenerational & Estate Planning Strategies
- When the time comes, you may want to transfer your assets to your loved ones. It can be difficult to decide which financial products are right for you, based on your unique financial needs and risk tolerance. It can be even more difficult to ensure that these policies are updated to incorporate major changes in your family, such as: children, marriage, death, and divorce. Ultimately, multigenerational planning with a family wealth director allows you to ensure the safety of your family and assets without the stress of constantly adjusting to changing circumstances and laws.
Business Succession Planning
- Your business should deserves strategies in place to safeguard the legacy of all your hard work throughout the years. Let's work together to ensure you're prepared for any potential changes to the business environment and equip your successors to seamlessly transition into their future roles.
Charitable Giving & Philanthropy
- Achieve your financial goals while maintaining your environmental, social and governance ideals. While making investments with impact can seem daunting, there are several ways to implement investments that benefit you and the world around you.
Life Insurance
- Life insurance may be a powerful tool for investors when applied in context of other strategic decisions. It's prudent for investors to consider life insurance with their overall wealth and trust, tax and estate plans so that the features of life insurance may be complementary to other decisions taken. We are positioned to reliably and effectively manage your life insurance policy in light of changing market and personal conditions.
Legacy planning and intergenerational wealth transfer
- Intergenerational wealth transfers may reduce or eliminate estate taxes by not only getting assets out of the first generation's future estate through gifting, but also by funding the purchase of insurance to provide a death benefit to pay estate taxes, if any. It is critical for the insurance policy to be excluded from the estate so that the death benefit will not be included in the first generation's estate and therefore will not be subject to estate tax.
Estate equalization
- Estate equalization using insurance may be appropriate for blended families, or in situations when a family has assets that are meant to benefit a specific individual but, in doing so, would disinherit one or more of the beneficiaries of the estate.
- For example, one child runs the family business that compromises the majority of the parent's estates and the other children are not active in the business and have no interest in participating. Another example, includes proceeds from a life policy are left to the children of a prior marriage to ensure that those children don't have to wait for the surviving step-parent to pass in order to receive their inheritance.
Modern Wealth Tools
Morgan Stanley is at the forefront of technology in the industry. As a part of our services, these resources are readily available for clients.
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
Read The Latest Report
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access This Week's Edition
Federal Tax Tables
Federal Tax Tables to assist you in making investment decisions.
2021 Federal Tax Tables
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balances and activity that you should take advantage of. They include:
-eAuthorization, an enhanced way to authorize transactions with one click on Morgan Stanley
Online.
-Manage your everyday finances such as paying bills online, sending money, and transferring
funds.
Morgan Stanley Online-eAuthorization, an enhanced way to authorize transactions with one click on Morgan Stanley
Online.
-Manage your everyday finances such as paying bills online, sending money, and transferring
funds.
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital Vault
Morgan Stanley Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Podcast
Spending and Budgeting Tool
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Spending and Budgeting ToolClient Service Team
Cindy E. Hubbard - Wealth Management Associate, Financial Planning Specialist
Phone:
(631) 548-4004(631) 548-4004
Email:Cindy.E.Hubbard@morganstanley.com
Cindy joined The Kron Group' at Morgan Stanley in 2003, as a Client Service Associate. In 2005, she obtained her Series 7 and 63 professional licenses. Furthering her education, Cindy obtained her Financial Planning Associate designation in 2006, as well as her Series 66 professional license in 2014. In her current role as a Wealth Management Associate, Cindy facilitates various administrative and operational functions for the group, all while maintaining a strong commitment to providing the highest level of client service.
Cindy earned her B.S. in Business Management from Liberty University. She is a member of the Association Professional Investment Consultants (APIC) and serves as a licensed notary public. She currently resides in Riverhead with her husband John, three children and their new puppy. Cindy is an active member of her community. In her free time, you can find Cindy on a ball field, attending a school event or boating on the Great Peconic Bay with her family.
tel: (631) 548-4004
fax: (631) 727-8172
email: cindy.e.hubbard@morganstanley.com
Cindy earned her B.S. in Business Management from Liberty University. She is a member of the Association Professional Investment Consultants (APIC) and serves as a licensed notary public. She currently resides in Riverhead with her husband John, three children and their new puppy. Cindy is an active member of her community. In her free time, you can find Cindy on a ball field, attending a school event or boating on the Great Peconic Bay with her family.
tel: (631) 548-4004
fax: (631) 727-8172
email: cindy.e.hubbard@morganstanley.com
Jesse Whitsit - Financial Advisor Associate
Phone:
(631) 755-8838(631) 755-8838
Email:Jesse.Whitsit@MorganStanley.com
Jesse Whitsit was born and raised in Setauket, NY on Long Island and graduated from Ward Melville High School in 2013. After graduating from Ward Melville, Jesse attended University of Hawai’i Manoa to study Kinesiology. One year later, Jesse transferred to Suffolk County Community College to find what interested him and after graduating with his Honors Associates Degree, later completing his Bachelors in Economics at SUNY Binghamton University in May 2019.
With family in the military, he grew up differently than most of his colleagues. Jesse has co-founded a non-profit organization called Lazarus Rising that helps the homeless population re-enter the workforce through mock interviews and resume critiques. His last year at SUNY Binghamton, he created a meal packaging event that sealed 15,120 meals and donated to starving children and families all over the world.
Jesse interned with Morgan Stanley in the Hauppauge office, while also working as a restaurant server in Port Jefferson. In his free time Jesse enjoys; running Spartan Races, powerlifting, golfing, reading history and philosophical books, and watching soccer, basketball, and football.
With family in the military, he grew up differently than most of his colleagues. Jesse has co-founded a non-profit organization called Lazarus Rising that helps the homeless population re-enter the workforce through mock interviews and resume critiques. His last year at SUNY Binghamton, he created a meal packaging event that sealed 15,120 meals and donated to starving children and families all over the world.
Jesse interned with Morgan Stanley in the Hauppauge office, while also working as a restaurant server in Port Jefferson. In his free time Jesse enjoys; running Spartan Races, powerlifting, golfing, reading history and philosophical books, and watching soccer, basketball, and football.
Securities Agent: PA, MN, GA, TN, AK, VT, RI, MA, IA, AZ, NH, MD, KY, HI, WV, OR, MO, NM, TX, FL, CT, AR, MS, AL, NC, OH, IN, DE, VA, NY, ME, DC, CA, WA, MI, LA, WI, SC, OK, NJ, IL, CO, WY; General Securities Representative; Investment Advisor Representative
Lauren Parisen - Registered Client Service Associate
Phone:
(631) 548-4037(631) 548-4037
Email:Lauren.Parisen@morganstanley.com
Location
611 E Main St
Riverhead, NY 11901
US
Direct:
(631) 548-4017(631) 548-4017
Fax:
(631) 727-8172(631) 727-8172
Wealth Management
From My Desk
5 Mistakes to Avoid in Retirement
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Preston Schoenfeld today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
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
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.
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 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
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)
