Steve Carayanis
Executive Director,
Financial Advisor
Direct:
(310) 551-9454(310) 551-9454
My Mission Statement
With a deep understanding of your financial priorities, we provide objective, high-quality advice and customized strategies to help manage your assets in every type of market environment
My Story
In today’s busy world, the one commodity successful individuals are increasingly short on is time. They realize that by working with a seasoned financial advisor to help them oversee the various moving parts of their finances, they can focus on the things they do best, and the people and passions they care about most.
For more than 25 years, I have been helping affluent individuals manage their wealth more effectively. I know how to get to the heart of what matters most to them and their families. In fact, I’ve built my practice around customizing financial solutions for successful individuals just like you.
As we begin to work together, we believe you will experience a forward-thinking approach that sets us apart. We touch the markets every day and have incorporated a sophisticated framework into our disciplined process. The result? Fresh, strategic ideas that challenge conventional solutions to help you generate additional income while managing risk.
In short, we believe wealth management means much more than giving investment advice. It means deeply understanding a thorough and detailed view of your values and investment philosophy. This requires trust and a commitment to providing quality recommendations. Above all, it entails serving as your financial advisory team through every one of the market’s ups and downs, helping you make appropriate decisions based on your particular goals and circumstances.
It’s easy to achieve results in a bull market, but what truly separates exceptional advisors from good advisors is their ability to make sound financial recommendations when the markets become more volatile. We have the extensive knowledge and experience – coupled with the deep resources and scale of Morgan Stanley – to help empower you to make smarter choices about your wealth in any market environment.
For more than 25 years, I have been helping affluent individuals manage their wealth more effectively. I know how to get to the heart of what matters most to them and their families. In fact, I’ve built my practice around customizing financial solutions for successful individuals just like you.
As we begin to work together, we believe you will experience a forward-thinking approach that sets us apart. We touch the markets every day and have incorporated a sophisticated framework into our disciplined process. The result? Fresh, strategic ideas that challenge conventional solutions to help you generate additional income while managing risk.
In short, we believe wealth management means much more than giving investment advice. It means deeply understanding a thorough and detailed view of your values and investment philosophy. This requires trust and a commitment to providing quality recommendations. Above all, it entails serving as your financial advisory team through every one of the market’s ups and downs, helping you make appropriate decisions based on your particular goals and circumstances.
It’s easy to achieve results in a bull market, but what truly separates exceptional advisors from good advisors is their ability to make sound financial recommendations when the markets become more volatile. We have the extensive knowledge and experience – coupled with the deep resources and scale of Morgan Stanley – to help empower you to make smarter choices about your wealth in any market environment.
Services Include
Securities Agent: MD, ID, HI, GA, FL, DC, CT, CO, CA, AZ, IL, WA, UT, TX, OR, NY, NV, NC, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 529937
NMLS#: 529937
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Clients
Over the past 25 years, I have developed a strong and active practice. To ensure every client has a personalized experience, I am committed to serving the financial needs of a diverse group of clients:
•Multi-generational families
•Wealthy individuals in need of an experienced professional
•Business owners and entrepreneurs
•Individuals planning for retirement
•People experiencing a significant liquidity or life event, such as the sale of a business, an inheritance, and divorce
While each client has specific financial goals and circumstances, all have one thing in common: They’ve accumulated significant assets and need help developing a comprehensive and cohesive wealth strategy that generates growth and income, while effectively managing risk.
•Multi-generational families
•Wealthy individuals in need of an experienced professional
•Business owners and entrepreneurs
•Individuals planning for retirement
•People experiencing a significant liquidity or life event, such as the sale of a business, an inheritance, and divorce
While each client has specific financial goals and circumstances, all have one thing in common: They’ve accumulated significant assets and need help developing a comprehensive and cohesive wealth strategy that generates growth and income, while effectively managing risk.
Working With You
When planning a journey, it’s best to map out a plan in advance to arrive at your final destination as easily and quickly as possible. The same is true when planning for your financial future.
By understanding where you are today – your “A” on the proverbial journey – and where you want to go – your “B” – we map out a tailored strategy to help get there as planned. If we anticipate a detour along the way, we strive to proactively re-route our guidance so you can achieve your goals in the most efficient way possible.
Here is a brief overview of the disciplined process we follow to help build and preserve your wealth on your road to financial success.
By understanding where you are today – your “A” on the proverbial journey – and where you want to go – your “B” – we map out a tailored strategy to help get there as planned. If we anticipate a detour along the way, we strive to proactively re-route our guidance so you can achieve your goals in the most efficient way possible.
Here is a brief overview of the disciplined process we follow to help build and preserve your wealth on your road to financial success.
1. Establish Financial Objectives
We begin with a thorough consultation where we ask a number of detailed questions about you and your family, your core values, your current investment strategy and what keeps you up at night. We then establish a set of objectives based on your financial goals, time horizon, liquidity needs and tolerance to volatility and risk.
2. Define Investment Strategy
Based on your objectives, we develop an investment strategy aimed at achieving your specific goals. This often includes managing risk, while generating additional income from your portfolio.
3. Evaluate and Select Investments
With your objectives set, we leverage our experience, relationships and the global resources of Morgan Stanley to determine appropriate investments to implement your strategy. We primarily invest in blue-chip companies; names you know and use every day.
4. Ongoing Review Process
We then monitor your portfolio to track its performance relative to your stated objectives – and to modify the portfolio as your needs and circumstances change over time.
Core Values
The best relationships are built on trust, understanding and shared values. We believe a disciplined investment philosophy and process are critical to achieving your goals – especially in today’s complex market environment. To that end, we are committed to the following core values:
Long-Standing Relationships
We build deep client relationships, based on trust and integrity. We do this by working with a select group of individuals and families. This enables us to dedicate the time, attention and personalized service each deserves.
A Thoughtful, Disciplined Approach
Markets are irrational and unpredictable. We avoid recommendations based on fear or greed and utilize disciplined investment strategies that are aligned with your goals and tolerance for risk.
Eating Our Own Cooking
There are two ways to best understand client needs: 1) meet with them regularly and 2) be one of them. Constant communication leads to better understanding and more rewarding relationships. In addition to spending quality time with our clients on a regular basis, we utilize the same strategies that we recommend for them.
Total Balance Sheet Management
Your satisfaction is our priority. We are committed to providing a holistic approach to all of your financial needs. From investment management to retirement funding to legacy planning, we want to be your first phone call for any major financial decision.
Service Excellence
Our clients deserve a team of experienced professionals, who shares their vision, earns their trust and works diligently to create a customized investment portfolio. They have learned to depend on our deep understanding of the world’s financial markets and our commitment to an ongoing dialogue to ensure clarity and comprehension.
Steve Carayanis
Executive Director
Financial Advisor
Steve is a Financial Advisor with more than 25 years of industry experience. At Morgan Stanley, he provides wealth management advice and sophisticated strategies for a select group of investors living in the greater Los Angeles area and across the country. He delivers a personalized approach that includes a thorough planning process and a commitment to achieving his clients’ financial goals.
Steve earned his degree in Real Estate Planning and Development at the University of Southern California. Upon graduation, he began his career in real estate development, but was drawn to the Stock Market. Following his true passion, Steve joined PaineWebber (now UBS) in 1995 as a Financial Advisor. Over the years, he has worked at such firms as Prudential, J.P. Morgan and is now an Executive Director with Morgan Stanley.
Steve has developed a strong understanding of economic cycles and how they affect the financial markets. Throughout his career, he has cultivated specialized skills in estate and retirement planning. He utilizes a covered call strategy to help manage risk and generate additional income.
Financial Advisor
Steve is a Financial Advisor with more than 25 years of industry experience. At Morgan Stanley, he provides wealth management advice and sophisticated strategies for a select group of investors living in the greater Los Angeles area and across the country. He delivers a personalized approach that includes a thorough planning process and a commitment to achieving his clients’ financial goals.
Steve earned his degree in Real Estate Planning and Development at the University of Southern California. Upon graduation, he began his career in real estate development, but was drawn to the Stock Market. Following his true passion, Steve joined PaineWebber (now UBS) in 1995 as a Financial Advisor. Over the years, he has worked at such firms as Prudential, J.P. Morgan and is now an Executive Director with Morgan Stanley.
Steve has developed a strong understanding of economic cycles and how they affect the financial markets. Throughout his career, he has cultivated specialized skills in estate and retirement planning. He utilizes a covered call strategy to help manage risk and generate additional income.
Location
9665 Wilshire Blvd
Ste 600
Beverly Hills, CA 90212
US
Direct:
(310) 551-9454(310) 551-9454
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Steve Carayanis today.
1Morgan 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When 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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4When 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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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)
