Steve Prumo, CRPC®, CIMA®
Senior Vice President, Financial Advisor
Phone:
(410) 583-4855(410) 583-4855
Prumo Kalvar Group at Morgan Stanley
Direct:
(410) 494-1873(410) 494-1873
Our Mission Statement
Providing a unique financial approach to help you address your goals, values, and the needs of those you love.
Welcome
At the Prumo Kalvar Group at Morgan Stanley, we go beyond just providing investment advice to our clients. We strive to help them maintain the financial independence they have worked their whole lives to achieve.
Our focus is on helping our clients, including women in transition, develop strategies to assist them in navigating complex financial decisions. We strive to help clients define and meet their goals by delivering a vast array of resources in a way that is most appropriate for each unique situation. We help develop customized strategies that balance your lifestyle, including near-term family needs such as housing, education funding, and financial support for your children, with vision for retirement.
We believe success in achieving important financial goals starts with a comprehensive plan. We engage in thoughtful discovery with each client, learning about their full financial picture as well as the things they are passionate about. We partner with you to help pursue the retirement lifestyle you envision.
Our focus is on helping our clients, including women in transition, develop strategies to assist them in navigating complex financial decisions. We strive to help clients define and meet their goals by delivering a vast array of resources in a way that is most appropriate for each unique situation. We help develop customized strategies that balance your lifestyle, including near-term family needs such as housing, education funding, and financial support for your children, with vision for retirement.
We believe success in achieving important financial goals starts with a comprehensive plan. We engage in thoughtful discovery with each client, learning about their full financial picture as well as the things they are passionate about. We partner with you to help pursue the retirement lifestyle you envision.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You to Create a Comprehensive Financial Plan
No matter what stage your life is in, whether you are preparing for retirement, enjoying retirement, or somewhere in between – a comprehensive plan can help you achieve your financial goals.
Beginning with an established plan is the best step forward in the path to reach your long-term goals. As circumstances in your life change – your financial goals will often change as well. Our planning process is dynamic, allowing for flexibility to adapt to changes in your life as they happen.
Utilizing the extensive planning tools that Morgan Stanley has to offer, we can develop a more focused financial future that incorporates all aspects of
your life – not only your investments.
Understanding Your Unique Situation
Longevity has become a critical issue for women, probably one of the biggest reasons why women's needs are so different than men's in terms of financial saving and investing.
Women retirees and surviving spouses may have special planning needs that have become a focus for our team. Steve and David are experienced in working with clients impacted by the financial challenges of longevity, divorce, losing a spouse, becoming a caregiver for a loved one or needing professional long-term care. Through financial discussions, education, and attentiveness to the issues specific to women, the team can help you with a customized financial approach designed for your situation.
Finding a Solution Unique to Your Needs
At Morgan Stanley, we have a vast array of solutions available to our clients – but we ensure our approach is tailored to each client's specific needs. We partner with you to deliver personalized solutions that are in line with your financial goals.
Financial Planning
A variety of planning-related tools—including our award-winning Goals Planning System (GPS) and LifeView—which enable us to provide a single, comprehensive snapshot of your finances and adapt a wealth plan to your ever-changing life demands and modify goals as needed.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property and casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Investor Resources and Readings
Staying updated with relevant information is paramount. A collection of resources and readings, as well as a suite of Morgan Stanley digital tools can be found below.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC on the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely, market commentary, and portfolio ideas to help guide your investment decisions.
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.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance you own online security.
Location
2330 W Joppa Road
Ste 255
Lutherville, MD 21093
US
Direct:
(410) 494-1873(410) 494-1873
Meet Prumo Kalvar Group
Phone:
(443) 608-1087(443) 608-1087
Ayanna Byrd
Client Service Associate
Phone:
(410) 494-1873(410) 494-1873
About Me
One of Steve’s favorite lines is “let’s figure that out together.” When talking with you about retirement, his approach begins with helping you organize and evaluate what you own. Steve recognizes the past is history and the assets you’ve accumulated are what you have available to work with. His focus is to help you figure out what you want your retirement to look like and then he can assist you by designing a personalized financial strategy to help you pursue your vision.
Early in his career Steve turned around a medical clinic that previously ran deficits. He followed a methodical approach; carefully examining the clinic’s financials, their mission and operations and then helped his staff implement changes to serve patient needs more efficiently. Steve follows a similar approach with clients and believes no part of your wealth should be wasted or unaccounted for in pursuit of your goals.
Steve’s introduction to wealth management began when he worked for his mother’s practice at Merrill. He later joined Smith Barney/Citigroup before returning to Merrill in 2010 – and then joining Morgan Stanley in 2023. With financial advisor David Kalvar, he formed The Prumo Kalvar Group in 2017. Steve is a graduate of the University of Maryland, College Park with a Bachelor’s degree in finance and received his M.B.A. from Loyola University of Maryland. Steve holds the Chartered Retirement Planning Counselor® and Certified Investment Management Analyst® designations. As a Portfolio Manager, Steve can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds and third-party investment strategies.
Steve and his wife Erin have a blended family with four children. He enjoys coaching them in youth baseball, volleyball and basketball. Steve trained for and ran two marathons and when he retired from running, he started practicing yoga. His commitment to hot yoga led him to improvise during the pandemic by setting up a personal hot yoga studio in his basement.
Early in his career Steve turned around a medical clinic that previously ran deficits. He followed a methodical approach; carefully examining the clinic’s financials, their mission and operations and then helped his staff implement changes to serve patient needs more efficiently. Steve follows a similar approach with clients and believes no part of your wealth should be wasted or unaccounted for in pursuit of your goals.
Steve’s introduction to wealth management began when he worked for his mother’s practice at Merrill. He later joined Smith Barney/Citigroup before returning to Merrill in 2010 – and then joining Morgan Stanley in 2023. With financial advisor David Kalvar, he formed The Prumo Kalvar Group in 2017. Steve is a graduate of the University of Maryland, College Park with a Bachelor’s degree in finance and received his M.B.A. from Loyola University of Maryland. Steve holds the Chartered Retirement Planning Counselor® and Certified Investment Management Analyst® designations. As a Portfolio Manager, Steve can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and bonds and third-party investment strategies.
Steve and his wife Erin have a blended family with four children. He enjoys coaching them in youth baseball, volleyball and basketball. Steve trained for and ran two marathons and when he retired from running, he started practicing yoga. His commitment to hot yoga led him to improvise during the pandemic by setting up a personal hot yoga studio in his basement.
Securities Agent: UT, SC, NC, IL, CT, TX, DE, OR, FL, CA, MA, NY, GA, VA, MO, MD, WV, PA, OH, DC, AZ, NJ; General Securities Representative; Investment Advisor Representative
About David Kalvar
With a goal of building a long-term relationship that’s centered on your needs, David wants to hear about your aspirations and concerns you may have for your future and the people you care about most. For example, you may be worried about managing health care costs or what would happen if you or your spouse needed long-term care. Perhaps you plan to purchase a home or second residence. Or, you may want to explore ways to monetize your family business. These are some of the common issues that clients seek help with and David enjoys speaking with them and offering his perspective.
David built a career in marketing before beginning his Wealth Management career at Merrill Lynch in 2017. He joined Morgan Stanley in 2023. His decision to switch careers and become a financial advisor at age 50 wasn’t as big of a change as you would think. Over the years he came to realize the part of his job he loved most was listening to clients and helping them with strategies, not to just tackle business issues, but also to help them address what was going on in their personal lives. Calm and empathetic, David is patient in his approach with clients, many of whom are seeking professional financial advice and guidance for the first time.
You can reach out to David at anytime, about nearly anything that concerns you. He understands change can be difficult for clients, especially if you were accustom to managing your wealth on your own. He is sensitive to what it may take for you to let go and allow someone else to guide your financial life into the future.
David is happy to discuss strategies to help your children and grandchildren or to assist you with different approaches to celebrate family milestones. His goal is to be there for you when you need him, helping you address the financial challenges that may arise, while also assisting you in the pursuit of opportunities throughout your life.
He is a graduate of the State University of New York at Binghamton with a Bachelor’s degree in mathematics and economics and received his M.B.A. from the Stern School of Business at New York University. In between coaching his four children in sports, teaching them how to cook and spending time with family, David tries to squeeze in a round of golf.
David built a career in marketing before beginning his Wealth Management career at Merrill Lynch in 2017. He joined Morgan Stanley in 2023. His decision to switch careers and become a financial advisor at age 50 wasn’t as big of a change as you would think. Over the years he came to realize the part of his job he loved most was listening to clients and helping them with strategies, not to just tackle business issues, but also to help them address what was going on in their personal lives. Calm and empathetic, David is patient in his approach with clients, many of whom are seeking professional financial advice and guidance for the first time.
You can reach out to David at anytime, about nearly anything that concerns you. He understands change can be difficult for clients, especially if you were accustom to managing your wealth on your own. He is sensitive to what it may take for you to let go and allow someone else to guide your financial life into the future.
David is happy to discuss strategies to help your children and grandchildren or to assist you with different approaches to celebrate family milestones. His goal is to be there for you when you need him, helping you address the financial challenges that may arise, while also assisting you in the pursuit of opportunities throughout your life.
He is a graduate of the State University of New York at Binghamton with a Bachelor’s degree in mathematics and economics and received his M.B.A. from the Stern School of Business at New York University. In between coaching his four children in sports, teaching them how to cook and spending time with family, David tries to squeeze in a round of golf.
Securities Agent: MD, MA, OH, WV, PA, NY, AZ, NJ, FL, TX, IL, NC, MO, VA, CT, CA, UT, GA, DE, DC, OR, SC; General Securities Representative; Investment Advisor Representative
About Ayanna Byrd
With a passion for helping clients achieve their financial goals, Ayanna has been a dedicated professional in the Wealth Management sector since 2023. After beginning her financial career with Merrill Edge in 2022, Ayanna transitioned to Wealth Management, where she has successfully assisted numerous clients with patience and personalized care.
A proud graduate of the University of Maryland in 2020, Ayanna combines a solid educational foundation with a commitment to delivering exceptional service. When not focused on client needs, Ayanna enjoys reading and experimenting with new recipes in the kitchen.
A proud graduate of the University of Maryland in 2020, Ayanna combines a solid educational foundation with a commitment to delivering exceptional service. When not focused on client needs, Ayanna enjoys reading and experimenting with new recipes in the kitchen.
Contact Steve Prumo
Contact David Kalvar
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Karen Pillets, CFP®
Financial Planning Director, Vice President
About Karen Pillets
Karen Pillets is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Delaware and Maryland. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Karen began her career in financial services in 1977 and joined Morgan Stanley in 2022. Prior to her current position, she worked at Fidelity Investments, State Farm, Provident Bank, Third National Bank, and Equitable Bank.
Karen graduated with a BA from what is now Mc Daniel College and an MBA from what is now Loyola University of Baltimore and holds her Certified Financial Planner® designation. Karen lives in Millsboro, Delaware. Outside of work, Karen enjoys exploring the waterways of Delaware and Maryland with family and friends. Supporting the Children’s Beach House and Milton Theatre are also favorite diversions.
Karen began her career in financial services in 1977 and joined Morgan Stanley in 2022. Prior to her current position, she worked at Fidelity Investments, State Farm, Provident Bank, Third National Bank, and Equitable Bank.
Karen graduated with a BA from what is now Mc Daniel College and an MBA from what is now Loyola University of Baltimore and holds her Certified Financial Planner® designation. Karen lives in Millsboro, Delaware. Outside of work, Karen enjoys exploring the waterways of Delaware and Maryland with family and friends. Supporting the Children’s Beach House and Milton Theatre are also favorite diversions.
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Prumo Kalvar Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)