Andrew Dittbenner
Private Banker
Rhonda B Salins, CDFA®
Senior Vice President,
Financial Advisor,
Financial Planning Specialist,
Senior Portfolio Manager
Direct:
(847) 480-3603(847) 480-3603
Toll-Free:
(800) 543-3623(800) 543-3623
Industry Award WinnerMy Mission Statement
Seeing the Big Picture: Guiding you to and Through Life’s Milestones
My Story and Services
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Rhonda is a Senior Vice President, Financial Advisor, Financial Planning Specialist, and Senior Portfolio Manager. In addition, she holds the Certified Divorce Financial Analyst®. Rhonda has over 30 years of experience helping high-net-worth individuals and small business owners achieve their financial goals. Prior to joining Morgan Stanley Smith Barney through predecessor firms in 1979, Rhonda participated in the First Scholar Program, an officer's training program at The First National Bank of Chicago. Rhonda earned a B.S. in Business Administration from the University of Illinois, and a Master's of Management Degree from Kellogg Graduate School of Business at Northwestern University. Rhonda is active in several charitable organizations, including the Cancer Wellness Center in Northbrook, Illinois and the U.S. Holocaust Memorial Museum in Washington D.C. She enjoys reading and traveling. Rhonda has three adult children and resides in Highland Park, Illinois with her husband.
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
Rhonda is a Senior Vice President, Financial Advisor, Financial Planning Specialist, and Senior Portfolio Manager. In addition, she holds the Certified Divorce Financial Analyst®. Rhonda has over 30 years of experience helping high-net-worth individuals and small business owners achieve their financial goals. Prior to joining Morgan Stanley Smith Barney through predecessor firms in 1979, Rhonda participated in the First Scholar Program, an officer's training program at The First National Bank of Chicago. Rhonda earned a B.S. in Business Administration from the University of Illinois, and a Master's of Management Degree from Kellogg Graduate School of Business at Northwestern University. Rhonda is active in several charitable organizations, including the Cancer Wellness Center in Northbrook, Illinois and the U.S. Holocaust Memorial Museum in Washington D.C. She enjoys reading and traveling. Rhonda has three adult children and resides in Highland Park, Illinois with her husband.
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
Securities Agent: AZ, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, VA, WA, WI, WY, CA, NH, AK, AL, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255748
CA Insurance License #: 0123347
NMLS#: 1255748
CA Insurance License #: 0123347
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Associations
- Association of Divorce Financial Planners
- Institute of Divorce Financial Analysts
- Cancer Wellness Center Board Member
Client Service Team
Jennifer Shifrin - Portfolio Associate
Phone:
(847) 291-5563(847) 291-5563
Email:Jennifer.Frazin@morganstanley.com
Jennifer is a Portfolio Associate at the Milestone Planning Group here at Morgan Stanley. As the leader of our operations team, she is a crucial asset for Milestone Planning Group as she assists in maintaining client relationships, providing client service support and analysis, and performing daily operational management for the team. Additionally, Jen holds her Series 7 and 63 licenses.
Jennifer originally began her career in 2007 as a Portfolio Management Analyst in corporate banking for Citigroup. She continued to develop her financial analysis skills for CenterPoint Properties in 2009 until she joined Morgan Stanley in 2011. Prior to her professional career in the financial services industry, Jennifer graduated with high honors from the University of Illinois with a B.S. in Finance.
Jennifer now resides in Deerfield with her husband, son, and daughter where she enjoys long family walks and playing at the park with her kids; as well as yoga, dancing, traveling & trying new restaurants in her free time.
Jennifer originally began her career in 2007 as a Portfolio Management Analyst in corporate banking for Citigroup. She continued to develop her financial analysis skills for CenterPoint Properties in 2009 until she joined Morgan Stanley in 2011. Prior to her professional career in the financial services industry, Jennifer graduated with high honors from the University of Illinois with a B.S. in Finance.
Jennifer now resides in Deerfield with her husband, son, and daughter where she enjoys long family walks and playing at the park with her kids; as well as yoga, dancing, traveling & trying new restaurants in her free time.
Rafal Fidowicz - Portfolio Associate
Phone:
(847) 291-5503(847) 291-5503
Email:Rafal.Fidowicz@morganstanley.com
Rafal began his career in the financial industry in 2016 with a focus on the self-directed investment field where he assisted and helped clients understand personal investing and trading. He received his bachelor’s degree in finance from the University of Illinois at Chicago in 2015, and shortly after obtained his Series 7 and 66.
Rafal’s responsibilities include client administration, account maintenance, and assisting the team with its marketing and research efforts. He also facilities the use of firm’s digital tools that help clients view their total wealth, goals, and progress to reach their goals. Using his skills in customer service and knowledge of the financial markets, Rafal proudly aids the team with day-to-day operations and special projects. He is actively expanding his knowledge in the field by participating in courses and obtaining new licenses.
Rafal lives with his wife, Eva, their daughter, Emma, and their cat, Elfi. Outside of the office, Rafal enjoys playing soccer, traveling and riding his motorcycle, and donating his time to charities and volunteer organizations within his local community.
Rafal’s responsibilities include client administration, account maintenance, and assisting the team with its marketing and research efforts. He also facilities the use of firm’s digital tools that help clients view their total wealth, goals, and progress to reach their goals. Using his skills in customer service and knowledge of the financial markets, Rafal proudly aids the team with day-to-day operations and special projects. He is actively expanding his knowledge in the field by participating in courses and obtaining new licenses.
Rafal lives with his wife, Eva, their daughter, Emma, and their cat, Elfi. Outside of the office, Rafal enjoys playing soccer, traveling and riding his motorcycle, and donating his time to charities and volunteer organizations within his local community.
Cynthia Mariscal - Wealth Management Associate
Phone:
(847) 291-5544(847) 291-5544
Email:Cynthia.Mariscal@morganstanley.com
Cynthia is a Wealth Management Associate and the most recent addition to the Milestone Planning Group here at Morgan Stanley. She is an essential asset to the team as she ensures that all client concerns are handled as quickly and carefully as possible, while taking pride in maintaining the excellent client service that they have come to know in their interactions with The Milestone Planning Group. Cynthia is a holder of her series 7, 63, and 65 licenses as well as her variable life & health insurance licenses.
Cynthia graduated from Robert Morris University in 2016 with a bachelor’s degree in business administration – management. She began her career in the financial services industry at First Midwest Bank as a personal banker. She then went on to work for Wells Fargo, Merrill Lynch, and RBC Wealth Management where she was a Financial Advisor, Senior Registered Wealth Associate, and a Senior Registered Client Associate, respectively.
Cynthia now lives in Buffalo Grove with her husband, and their two boys. During her free time, Cynthia loves traveling, audiobooks & podcasts, exploring new restaurants & cuisine, and spending quality time outdoors with her family.
Cynthia graduated from Robert Morris University in 2016 with a bachelor’s degree in business administration – management. She began her career in the financial services industry at First Midwest Bank as a personal banker. She then went on to work for Wells Fargo, Merrill Lynch, and RBC Wealth Management where she was a Financial Advisor, Senior Registered Wealth Associate, and a Senior Registered Client Associate, respectively.
Cynthia now lives in Buffalo Grove with her husband, and their two boys. During her free time, Cynthia loves traveling, audiobooks & podcasts, exploring new restaurants & cuisine, and spending quality time outdoors with her family.
Jason Weissman - Wealth Management Associate
Email:Jason.Weissman@morganstanley.com
Jason is a Wealth Management Associate at the Milestone Planning Group at Morgan Stanley, bringing strong technical knowledge, proven client service, and a passion for helping people meet their financial goals. Jason has been with Morgan Stanley since 2021, beginning his career supporting employee stock plans before transitioning into an advisory role in 2024. He now focuses on helping clients build comprehensive retirement strategies and provides personalized investment guidance tailored to their individual goals.
In early 2023, Jason passed the rigorous Series 66 exam. He also holds the Series 7 and SIE licenses.
Originally from Boca Raton, Florida, he lived in Tampa for the past eight years, and recently relocated to Chicago. Outside of the office, Jason enjoys exploring new restaurants, watching sports, and playing golf.
In early 2023, Jason passed the rigorous Series 66 exam. He also holds the Series 7 and SIE licenses.
Originally from Boca Raton, Florida, he lived in Tampa for the past eight years, and recently relocated to Chicago. Outside of the office, Jason enjoys exploring new restaurants, watching sports, and playing golf.
April Henrichs - Client Service Associate
Phone:
(847) 291-5543(847) 291-5543
Email:April.Henrichs@morganstanley.com
April is a Client Service Associate and a key member of the Milestone Planning Group at Morgan Stanley. She works directly with clients to address their day-to-day administrative needs, answer questions, and ensure service requests are handled in a timely and efficient manner. April takes pride in delivering smooth and reliable execution, helping simplify clients’ financial lives while supporting the team’s overall operations.
April has built her career over 35 years in the financial services industry, with experience at firms such as E.F. Hutton, Paine Webber, and UBS. Throughout her career, she has held numerous client service roles and served as a branch office administrator for several branch managers. April brings deep industry knowledge and a commitment to service in her work with clients today.
Originally from Chicago’s North Shore, April now enjoys staying connected with her family — especially her daughter, who is currently living in Boston while pursuing her MBA.
April has built her career over 35 years in the financial services industry, with experience at firms such as E.F. Hutton, Paine Webber, and UBS. Throughout her career, she has held numerous client service roles and served as a branch office administrator for several branch managers. April brings deep industry knowledge and a commitment to service in her work with clients today.
Originally from Chicago’s North Shore, April now enjoys staying connected with her family — especially her daughter, who is currently living in Boston while pursuing her MBA.
Location
111 S Pfingsten Rd
Ste 200
Deerfield, IL 60015
US
Direct:
(847) 480-3603(847) 480-3603
Toll-Free:
(800) 543-3623(800) 543-3623
Fax:
(847) 498-1546(847) 498-1546
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
About Andrew Dittbenner
Andrew Dittbenner is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Andrew began his career in financial services in 2010 and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at BMO Harris Bank, as well as a Financial Center Manager with the Fifth Third Bank.
Andrew received a Bachelor of Science in Business Marketing from Northern Illinois University. He and his wife live in Batavia, Illinois. When not at the office, Andrew volunteers with the Make a Wish Foundation. He also enjoys attending sporting events, as well as spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Andrew began his career in financial services in 2010 and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at BMO Harris Bank, as well as a Financial Center Manager with the Fifth Third Bank.
Andrew received a Bachelor of Science in Business Marketing from Northern Illinois University. He and his wife live in Batavia, Illinois. When not at the office, Andrew volunteers with the Make a Wish Foundation. He also enjoys attending sporting events, as well as spending time with family and friends.
NMLS#: 718951
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Rhonda B Salins today.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Morgan 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
2Morgan 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.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Morgan 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)
