Terry Surrency
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(904) 632-0224(904) 632-0224
SPF Wealth Management Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
The SPF Wealth Management Group brings together financial professionals with decades of industry experience to better service their clients. With each team member specializing in a different niche of financial advisory, The SPF Wealth Management Group can help plan for clients’ complex financial goals. Whether it is planning for retirement, financing a large purchase, contributing to a child or grandchild’s higher education, estate planning, or more, the team can help you along every step of the process.
With industry leading resources at their disposal, The SPF Wealth Management Group is committed to ensuring you are content with your financial situation. Outside of the office, the team is heavily involved in the North Florida community, supporting causes such as Rethreaded Inc., the Meninak Club of Jacksonville, the American Heart Association, St John’s County Port of the Storm, and more. The team is dedicated to leaving a positive impact not just on the clients they serve but also the community they live and work in.
With industry leading resources at their disposal, The SPF Wealth Management Group is committed to ensuring you are content with your financial situation. Outside of the office, the team is heavily involved in the North Florida community, supporting causes such as Rethreaded Inc., the Meninak Club of Jacksonville, the American Heart Association, St John’s County Port of the Storm, and more. The team is dedicated to leaving a positive impact not just on the clients they serve but also the community they live and work in.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Our process is centered around client service, and we pride ourselves on client satisfaction. By utilizing a 4-step process, we ensure that all bases are met, and you are content with the solutions provided. Our 4-step process involves discovery, creation, presentation and implementation, and continued service.
Discovery
In our first meeting, we will gather all the necessary information and data to compile a comprehensive investment and financial plan for your future. When applicable, we will meet with any attorneys and accountants to ensure we have all the information necessary.
Creation
By listing all your financial goals, assets, and liabilities, we create a comprehensive financial picture for your future. Based on the information available to us, we compile investment recommendations and financial solutions necessary to achieve your goals in the timeframe you have set out.
Implementation
During this meeting, we present to you the comprehensive financial plan that we have created. Additionally, we will ensure that you are happy with the plan we that was created and the steps necessary to achieve your goals.
Continued Service
As one of our fundamental beliefs, we are committed to ensuring that you are happy with your financial standing. We ensure every client is called at a minimum of once a quarter. Investment reviews occur biannually, and a financial review takes place once a year. Outside of these meetings, we are a phone call away at any time, and are happy to discuss anything that comes to mind.
Typical Clients
Our clients come from a variety of different backgrounds and professions; however, they all share a common goal: the desire to simplify their finances and develop a comprehensive strategy to preserve and grow their wealth as well as achieving all their financial goals. Whether you would like to optimize investment performance, plan for a major purchase, create a succession plan for your wealth, or retire comfortably, we are here to help you every step of the way.
Investor Resources
2024 Tax Tables
Here are the federal tax tables for 2023 along with other useful information
View 2024 federal tax tables
2024 Contribution Limits
With newly updated contribution limits in 2024, this resource contains all the relevant information necessary.
View 2024 contribution limits
Thoughts on the Market Podcast
Here you can find podcasts on a variety of market-related topics from Morgan Stanley thought leaders.
Listen here
Morgan Stanley Online
With Morgan Stanley Online, enjoy the freedom to manage your finances on your own devices while collaborating with your advisor. Multi-factor authentication and continuous threat monitoring ensure the safety of all your financial information.
Learn more about Morgan Stanley Online
Total Wealth View
It's hard to see the complete picture with only half the details. As a Morgan Stanley client, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or the Morgan Stanley Mobile App, giving you and your advisor a more complete financial picture. With full visibility of your financial picture, your advisor will be better able to track your financial goals and plan for your future.
Learn more about Total Wealth View
MS Reserved
Clients with $1million+ in assets and liabilities are eligible to enroll in Morgan Stanley's Reserved Living & Giving program. E*TRADE Platinum and Private Clients may also be eligible to enroll in the Reserved Living & Giving program. Members will have access to exclusive partner offers and discounts, in addition to a variety of leadership content ranging from lifestyle to personal finance topics.
Learn more about MS ReservedLocation
50 N Laura St
Suite 2000
Jacksonville, FL 32202
US
Direct:
(904) 632-0224(904) 632-0224
Meet SPF Wealth Management Group
Diana Fanning
First Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(904) 632-0225(904) 632-0225
John Pence
Senior Vice President, Financial Advisor
Phone:
(904) 632-0226(904) 632-0226
Brian Mojica
Financial Advisor
Phone:
(904) 632-0227(904) 632-0227
Phone:
(904) 632-0217(904) 632-0217
Sharmaine Shaffer
Client Service Associate
About Me
Terry Surrency is a Financial Advisor and member of the SPF Wealth Management Group at Morgan Stanley. Growing up, Terry knew he always wanted to make a positive impact on those he came across. During his time at University of Central Florida pursuing a degree in finance and business administration, Terry became fascinated with the concept of compounding interest and the value it holds. Working in the customer service industry, coupled with an acquired love of investing, Terry decided to pursue a career as a Financial Advisor.
Terry works diligently to understand his clients’ goals and objectives to create a unique, tailored plan to achieve those goals. Based on the individual needs of the client, Terry and his team will design an investment portfolio to meet the client’s risk tolerance and achieve the goals set out in the financial plan.
Outside of the office, Terry and his wife, Mya, are avid golfers and enjoy traveling. Additionally, Terry is an active member of the Jacksonville community, volunteering his time with the American Heart Association, St John’s County Port of the Storm, and the Kiwanis group of Fernandina Beach.
Terry works diligently to understand his clients’ goals and objectives to create a unique, tailored plan to achieve those goals. Based on the individual needs of the client, Terry and his team will design an investment portfolio to meet the client’s risk tolerance and achieve the goals set out in the financial plan.
Outside of the office, Terry and his wife, Mya, are avid golfers and enjoy traveling. Additionally, Terry is an active member of the Jacksonville community, volunteering his time with the American Heart Association, St John’s County Port of the Storm, and the Kiwanis group of Fernandina Beach.
Securities Agent: MI, NV, TN, TX, WA, WI, VA, UT, SC, WY, OR, OK, NY, PA, NM, NJ, NH, NC, ME, MA, FL, CO, MD, AZ, LA, DC, IL, GA, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 813067
NMLS#: 813067
About Me
Diana Fanning is a financial advisor who works with clients to create and implement all-inclusive wealth management strategies to help clients preserve and grow their wealth. She has built her reputation on providing personalized and holistic financial planning services to her clients. Diana's passion for finance and her dedication to her clients, community, and personal interests make her a well-rounded financial advisor who is committed to helping her clients achieve their financial goals.
In her free time, Diana enjoys boating and traveling to the mountains. She also enjoys spending her weekends at Vilano Beach. Diana is actively involved in her community and belongs to the Meninak Club of Jacksonville and the Uptown Civitan Club. She is dedicated to giving back to her community and making a positive impact.
In her free time, Diana enjoys boating and traveling to the mountains. She also enjoys spending her weekends at Vilano Beach. Diana is actively involved in her community and belongs to the Meninak Club of Jacksonville and the Uptown Civitan Club. She is dedicated to giving back to her community and making a positive impact.
Securities Agent: OK, NY, UT, WY, WI, NJ, TX, NV, OR, PA, SC, NM, LA, VA, WA, ME, MA, IL, TN, CO, GA, NH, CA, AZ, FL, DC, NC, MD, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 521799
NMLS#: 521799
About Me
Securities Agent: WA, WY, WI, VA, UT, TX, TN, OR, NY, SC, PA, NJ, NH, NC, MI, ME, MD, MA, LA, DC, CA, CO, IL, GA, AZ, FL, OK, NV, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 2695927
NMLS#: 2695927
About Me
Brian Mojica is a financial advisor and member of a multi-generational wealth management team. Brian is passionate about helping his clients achieve their financial goals and takes a holistic approach to wealth management. Brian is committed to leaving a positive impact on his clients financially, as well as becoming a significant part of his clients’ lives. As The SPF Wealth Management Group is a multi-generational team, this concept holds true for the children and grandchildren of the clients the team serves.
Brian graduated from the University of North Florida with degrees in Finance and Financial Services. In his spare time, Brian is a fitness enthusiast and can be found working out. Additionally, Brian is actively involved in Leadership Jacksonville, an organization committed to improving and strengthening the Jacksonville community. Brian also enjoys playing golf, and can speak Tagalog, the language of the Philippines.
Brian graduated from the University of North Florida with degrees in Finance and Financial Services. In his spare time, Brian is a fitness enthusiast and can be found working out. Additionally, Brian is actively involved in Leadership Jacksonville, an organization committed to improving and strengthening the Jacksonville community. Brian also enjoys playing golf, and can speak Tagalog, the language of the Philippines.
Securities Agent: UT, VA, NM, ME, WI, LA, AZ, IL, TX, SC, NJ, GA, MI, DE, WA, PA, NV, NC, MA, IN, NY, WY, OH, NH, FL, CA, TN, OK, MD, DC, CO, MS, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2691009
NMLS#: 2691009
About Nathan B. Damron
As a Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional at Morgan Stanley, I provide wealth management solutions to successful families, business owners and professionals.
I believe clients are best served when their financial needs are viewed in the context of their entire life. Taking a holistic approach, my goal is to support the various needs of my clients as they transition through different lifestyle phases.
Working closely with you, we will develop an investment strategy focused clearly on your objectives- one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world’s largest financial firms.
When you look at wealth management from a long-term perspective, one thing becomes clear: It’s your future, not just your money. Over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what’s most important- your progress toward your goals.
I believe clients are best served when their financial needs are viewed in the context of their entire life. Taking a holistic approach, my goal is to support the various needs of my clients as they transition through different lifestyle phases.
Working closely with you, we will develop an investment strategy focused clearly on your objectives- one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world’s largest financial firms.
When you look at wealth management from a long-term perspective, one thing becomes clear: It’s your future, not just your money. Over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what’s most important- your progress toward your goals.
Securities Agent: NM, NJ, NH, NC, ME, MD, MA, LA, IL, GA, FL, DC, CO, CA, AZ, MI, WA, WI, WY, VA, UT, TX, TN, SC, PA, OR, OK, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1849110
NMLS#: 1849110
About Sharmaine Shaffer
Sharmaine Shaffer is Client Services Associate for The SPF Wealth Management Group who recently began her career in the industry in 2021. With her passion for finance and dedication to clients Sharmaine is well-suited for a successful career in the wealth management industry. Her attention to detail, friendly demeanor, and willingness to go the extra mile makes her a valuable asset to the team.
As a Client Services Associate, Sharmaine is responsible for ensuring that all her clients' needs are met in a timely and professional manner, which includes providing support to clients and managing their accounts. She has been praised for her ability to understand the unique needs of each client and delivering tailored service to fulfill all requests that are brought to her attention.
In her free time, Sharmaine enjoys trying new restaurants in Jacksonville. She is always on the lookout for new and exciting dining experiences and is known for her adventurous palate. She also enjoys working out and spending time with her pets.
As a Client Services Associate, Sharmaine is responsible for ensuring that all her clients' needs are met in a timely and professional manner, which includes providing support to clients and managing their accounts. She has been praised for her ability to understand the unique needs of each client and delivering tailored service to fulfill all requests that are brought to her attention.
In her free time, Sharmaine enjoys trying new restaurants in Jacksonville. She is always on the lookout for new and exciting dining experiences and is known for her adventurous palate. She also enjoys working out and spending time with her pets.
Contact Terry Surrency
Contact Diana Fanning
Contact John Pence
Contact Brian Mojica
Contact Nathan B. Damron
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
Robert Mickler
Private Banker
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
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
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
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 SPF Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
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), 3582895 (6/2024)
