Claudia Mollerup-Madsen, CRPC
Vice President, Wealth Management, Financial Advisor
Phone:
(713) 966-2188(713) 966-2188
Richard Sanborn
Senior Vice President, Wealth Management,
Wealth Advisor,
Portfolio Management Director
Direct:
(713) 966-2159(713) 966-2159
My Mission Statement
Understanding the unique needs of high net worth clients like you. Helping you with wealth planning strategies for your family's unique goals. Working with you to help preserve and grow wealth for your long term objectives.
My Story and Services
Richard H. Sanborn joined Morgan Stanley in May of 2010 as a Financial Advisor in the Houston Post Oak office. Prior to joining Morgan Stanley, Richard obtained his M.S. in Global Management from the Thunderbird School of Global Management specializing in finance and accounting where he graduated with honors. Richard attended Vanderbilt University and then transferred to SMU where he graduated with a B.A. in Economics and a B.A. in Spanish. Richard is passionate about advising investors, and his focus is on the asset and liability management of domestic and foreign individuals and corporations.
Richard is an Eagle Scout, he is fluent in Spanish, and he enjoys playing tennis, golf, traveling, and snow skiing. Richard lives in Houston, TX with his wife Erika, daughter Isabella and son Richard Harrington.
Richard is an Eagle Scout, he is fluent in Spanish, and he enjoys playing tennis, golf, traveling, and snow skiing. Richard lives in Houston, TX with his wife Erika, daughter Isabella and son Richard Harrington.
Services Include
- Trust ServicesFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Wealth ManagementFootnote3
- Professional Portfolio ManagementFootnote4
- Alternative InvestmentsFootnote5
- Cash Management and Lending ProductsFootnote6
- Municipal BondsFootnote7
- Philanthropic ManagementFootnote8
- Foreign ExchangeFootnote9
- Estate Planning StrategiesFootnote10
- Executive Financial ServicesFootnote11
Securities Agent: NJ, AZ, NE, LA, WA, DE, MA, IL, FL, CA, NM, CT, VA, TX, IA, NY, MS, KY, CO, SC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1369342
NMLS#: 1369342
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
2800 Post Oak Blvd
Ste 3200
Houston, TX 77056
US
Direct:
(713) 966-2159(713) 966-2159
Meet My Team
Luvy Gonzalez
Vice President, Financial Advisor
Phone:
(713) 966-2168(713) 966-2168
Cesar Limones
Registered Client Service Associate
Phone:
(713) 499-2028(713) 499-2028
About Claudia Mollerup-Madsen
Claudia Mollerup-Madsen, was born in Peru. Her father was an oil and
gas mechanical engineer turned “wildcatter” during the boom of international oil and gas exploration in very remote areas of the world. By the age of six years old, Claudia had lived in Peru, California, Ecuador and Indonesia, thus beginning her childhood expat life, yet always maintaining her Peruvian roots concurrently, both in language and in culture. This heritage is extremely important to Claudia. It defines her ability to be multicultural and have deep roots which are close to her heart.
Claudia graduated from St. Mary’s University in San Antonio with a B.A. in International Business. Being fluent in Spanish and English, she decided to add Portuguese to her skills and studied in Rio de Janeiro for one year. By traveling the world and experiencing foreign locations, not only as a tourist but living and studying abroad, educated her in ways that books could never teach. She is grateful for her experiences.
Claudia worked for Merrill Lynch from 1989-1990; Citigroup Private Bank 1990-2001; UBS International 2001- 2009; and 2009 up to current position with Morgan Stanley.
Claudia holds the CRPC Chartered Retirement Planning Counselor- designation and hold the Series 7 and 66 registrations as well as the Life, Health and Variable annuity license.
Claudia has been in the financial advisory sector for 29 years serving both U.S. residents as well as Non-U.S. residents. She is a member of the Women’s Advisory Council within her Morgan Stanley complex. This honor is chosen by the management team to develop, empower and encourage the professional advancement of female financial advisors.
In 2018 she was selected as a Woman Who Means Business by the Houston Business Journal.
Claudia also a recipient of the 2019 class of Morgan Stanley’s Makers program, that identifies and celebrates accomplished women from a variety of fields.
Claudia has been interviewed multiple times on ABC13, Univision, KUHF, NPR, Houston Business Journal and KPRC 950 AM to discuss relevant financial topics.
Claudia is involved in her Houston local community as well. She is a past board member of The Women’s Resource of Greater Houston, where she taught financial literacy to women at risk. Additionally, she is a member of the Houston Livestock show and Rodeo (HLSR) – International Committee, where she is interpreter for international VIP’s and the Executive Committee. She is also a board member for the Texas Region USTA Board and Budget & Finance Committee.
Claudia and her husband of 32 years, Poul, have two grown children. She is an avid tennis player and always looking for a competitive match.
gas mechanical engineer turned “wildcatter” during the boom of international oil and gas exploration in very remote areas of the world. By the age of six years old, Claudia had lived in Peru, California, Ecuador and Indonesia, thus beginning her childhood expat life, yet always maintaining her Peruvian roots concurrently, both in language and in culture. This heritage is extremely important to Claudia. It defines her ability to be multicultural and have deep roots which are close to her heart.
Claudia graduated from St. Mary’s University in San Antonio with a B.A. in International Business. Being fluent in Spanish and English, she decided to add Portuguese to her skills and studied in Rio de Janeiro for one year. By traveling the world and experiencing foreign locations, not only as a tourist but living and studying abroad, educated her in ways that books could never teach. She is grateful for her experiences.
Claudia worked for Merrill Lynch from 1989-1990; Citigroup Private Bank 1990-2001; UBS International 2001- 2009; and 2009 up to current position with Morgan Stanley.
Claudia holds the CRPC Chartered Retirement Planning Counselor- designation and hold the Series 7 and 66 registrations as well as the Life, Health and Variable annuity license.
Claudia has been in the financial advisory sector for 29 years serving both U.S. residents as well as Non-U.S. residents. She is a member of the Women’s Advisory Council within her Morgan Stanley complex. This honor is chosen by the management team to develop, empower and encourage the professional advancement of female financial advisors.
In 2018 she was selected as a Woman Who Means Business by the Houston Business Journal.
Claudia also a recipient of the 2019 class of Morgan Stanley’s Makers program, that identifies and celebrates accomplished women from a variety of fields.
Claudia has been interviewed multiple times on ABC13, Univision, KUHF, NPR, Houston Business Journal and KPRC 950 AM to discuss relevant financial topics.
Claudia is involved in her Houston local community as well. She is a past board member of The Women’s Resource of Greater Houston, where she taught financial literacy to women at risk. Additionally, she is a member of the Houston Livestock show and Rodeo (HLSR) – International Committee, where she is interpreter for international VIP’s and the Executive Committee. She is also a board member for the Texas Region USTA Board and Budget & Finance Committee.
Claudia and her husband of 32 years, Poul, have two grown children. She is an avid tennis player and always looking for a competitive match.
Securities Agent: CT, OK, NJ, MA, CO, VA, AL, NM, FL, NY, NV, DE, AZ, NE, IA, SC, TX, LA, IL, CA; General Securities Representative; Investment Advisor Representative
About Luvy Gonzalez
Luvy is a Financial Advisor. She has more than three decades of experience in wealth management and has been with Morgan Stanley since 2009.
Prior on joining Morgan Stanley she worked at UBS from 2000 to 20009.
Born in Honduras, Luvy moved to Houston when she was a girl due to the work of her father who was a diplomat from Honduras. Because of that, Luvy is a person who understands different cultures and has an international experience
Over the years, Luvy has developed a passion for portfolio management. She has always work in the international side. Dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and risk tolerance to seek consistent investment returns while minimizing portfolio risk. With a focus on client’s investment objectives Luvy draws upon Morgan Stanley’s intellectual capital, wealth management analytics and risk management resources to construct a comprehensive portfolio solution.
During her free time, she volunteered with some Catholic charities that helped her community.
Luvy lives with her husband Jose Ramon and have two grown children. She loves traveling with her family and showing her grandchildren new cultures.
Prior on joining Morgan Stanley she worked at UBS from 2000 to 20009.
Born in Honduras, Luvy moved to Houston when she was a girl due to the work of her father who was a diplomat from Honduras. Because of that, Luvy is a person who understands different cultures and has an international experience
Over the years, Luvy has developed a passion for portfolio management. She has always work in the international side. Dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and risk tolerance to seek consistent investment returns while minimizing portfolio risk. With a focus on client’s investment objectives Luvy draws upon Morgan Stanley’s intellectual capital, wealth management analytics and risk management resources to construct a comprehensive portfolio solution.
During her free time, she volunteered with some Catholic charities that helped her community.
Luvy lives with her husband Jose Ramon and have two grown children. She loves traveling with her family and showing her grandchildren new cultures.
Securities Agent: TX, PA, KS, MA, DE, CT, SC, NE, CA, AZ, VA, LA, FL, NJ, IL, NY, IA; General Securities Principal; General Securities Representative; Investment Advisor Representative
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
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 Richard Sanborn today.
1Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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
7Municipal 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
9GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
10Morgan 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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
7Municipal 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
9GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
10Morgan 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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)
