Executive Director, Financial Advisor, Senior Portfolio Manager
Phone:
(203) 319-5150(203) 319-5150
Industry Award WinnerOur Mission Statement
Doing The Right Thing, Putting Clients First, Leading with Exceptional Ideas, Committing to Diversity and Inclusion, and Giving Back are all cornerstone fundamentals of our day-to-day work.
We educate and support our clients and the broader community, helping people enrich their lives and protect what matters most. We believe education is the foundation of financial empowerment, and we foster continuous learning for our team and our clients. Through innovation and shared knowledge, we help clients make informed decisions in support of their long-term goals—always acting with integrity and prioritizing trust.
We educate and support our clients and the broader community, helping people enrich their lives and protect what matters most. We believe education is the foundation of financial empowerment, and we foster continuous learning for our team and our clients. Through innovation and shared knowledge, we help clients make informed decisions in support of their long-term goals—always acting with integrity and prioritizing trust.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Certifications & Awards
Joseph J. Matthews, CFP®, CFA®
Senior Vice President,
Financial Advisor,
Senior Institutional Consultant,
Government Entity Specialist
Top 75 Branch Managers 2018
Source: On Wall Street "The Top 75 Branch Managers," September 04, 2018. The rating may not be representative of any one client's experience because it reflects a sample of all of the experiences of the Branch Manager's clients nor may it be indicative of future performance. Neither Morgan Stanley Smith Barney LLC nor any of its Branch Office Managers pay a fee to On Wall Street in exchange for the rating.
Certified Financial Planner®
The CFP® certification is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® Professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Chartered Financial Analyst
The CFA® charter is a globally recognized credential for investment analysis competence and integrity and portfolio management. Recipients have successfully completed a graduate-level, self-study curriculum and passed examinations covering ethical and professional standards, securities analysis and valuation, financial reporting and analysis, quantitative methods, economics, corporate finance, portfolio management, and wealth planning.
Environmental Social and Governance®
The ESG® certification is awarded to individuals who complete an official program and demonstrate their knowledge of and use of environmental, social, and governance factors in institutional investment analysis.
Government Entity Specialist®
GES® includes, but is not limited to, a county, town, city, state, federal government, or a school board, public utility, public authority, agency, commission, public employee pension fund, public hospital, public educational institution, public foundation, state or local pooled funds (e.g., institutional 529 plans and 457 retirement plans), or other subdivision or instrumentality controlled by the federal, state, or local government.
Qualified Plan Financial Consultant®
OPFC® is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC® program provides an understanding of retirement plan concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals.
Senior Institutional Consultant
Morgan Stanley Designation which allows Financial Advisors to provide investment consulting services to a variety of institutional clients with assets up to $50MM
Alternative Investments Director
Morgan Stanley Designation Program developed for Financial and Private Wealth Advisors who have significantly incorporated Alternative Investments into their practice.
Steven Flagg, CFP®, CIMA®, CDFA®, CPWA®, RMA®
Senior Vice President,
Financial Advisor,
Senior Portfolio Manager
Certified Financial Planner®
The CFP® certification is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® Professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Certified Investment Management Analyst®
The CIMA® certification program covers five core topic areas and requires that candidates meet all eligibility requirements, including experience, education, examination, and ethics. This certification continues to be the highest level of advanced investment education for client-facing advisors. Having this designation enables Julie to make effective moves with your investment strategy in order to help meet or exceed your goals.
Certified Divorce Financial Analyst®
Founded in 1993, the Institute for Divorce Financial Analysts™ has certified more than 5,000 professionals across the United States and Canada. Candidates learn how to help their clients determine short-term and long-term financial impact of any proposed divorce settlement.
Certified Private Wealth Advisor®
CPWA® is an advanced education and certification program for financial advisors who work with high-net-worth clients on the life cycle of wealth: accumulation, preservation, and distribution.
FORBES BEST-IN-STATE WEALTH ADVISORS 2019, 2020, 2021, 2022, 2025
Awarded Forbes Best-In-State Wealth Advisor 2019, 2020, 2021, 2022, 2025
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Creating Meaningful Impact by Managing Your Wealth
Every indiuvidual has different priorities and circumstances. What they typically share is the need for straightforward support to organize their financial life and put a well-rounded wealth plan in place. Our job is to help you oversee and safeguard your assets, so you can make the most of your wealth today and pass on the legacy you intend. We've built a close, team-based practice with a broad range of clients who rely on professional advice across the following areas:
ㅤㅤㅤㅤ- Navigating a major life transition with clarity and confidence
ㅤㅤㅤㅤ- Building a retirement plan designed for long-term success
ㅤㅤㅤㅤ- Structuring funding for a significant purchase or investment
ㅤㅤㅤㅤ- Reducing concentrated holdings through tax-aware diversification strategies
ㅤㅤㅤㅤ- Supporting charitable giving and broader philanthropic objectives
Long-Term Relationships
We focus on cultivating long-term relationships grounded in trust and integrity. By partnering with a select group of clients, we bring deep experience and deliver comprehensive, tailored solutions that extend well beyond investment management. These relationships are central to our purpose, and we aim for them to endure across generations.
Knowledge and Experience
With decades of collective experience, we bring the judgment and capabilities needed to navigate the complexities of significant wealth. Our focus is to help you plan for life's key milestones—and to serve as your first call for any financial question or decision.
A Team Approach
We're committed to supporting you and your family's needs. In coordination with your accountant, attorney, and other trusted advisors, we develop an integrated plan designed to address the key areas of your financial life.
Personalized Service
We understand that each client is unique. Some want detailed guidance on investment topics, while others are already familiar and prefer an advisor to collaborate on strategy. We partner with you to reach your objectives in a way that matches your expectations of high level service.
Giving Back
We're deeply connected to our community and even more committed to preserving its character for future generations. Through a range of initiatives, we stay actively involved in building a stronger, brighter future. By partnering with local organizations, we support meaningful projects especially in financial education and land conservation.
Working With You
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life's challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we agree to move forward, we'll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
Together we continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to help achieve your goals. Upon your approval, we'll open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
Behavioral Investing & Next Gen Insights
Behavioral Investing In The Markets
When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?
Overcoming Behavioral Biases
All humans have behavioral biases, those blind spots that can impact decision-making. As investment managers, we must recognize that individually, and as an investment team, we are likely to have biases about stocks we own and the process for picking those stocks. Understanding that we have biases is the first step, but what can we do to proactively overcome them?
How to Take the Emotion Out of Investing
Recognizing your impulses when investing can help you sharpen your decision-making. Here's how.
The Millennial and Gen Z Guide to a Sweet Retirement
How the power of time can help savvy young investors grow an impressive portfolio.
Teaching Teens About Money
Here's how to help your children learn to manage their own finances as they grow into young adults.
Credit 101: Using Credit Wisely
Whether you're applying for a mortgage, purchasing car insurance, or signing up with a new Internet provider, you will inevitably be asked about your credit. Understanding how this number is calculated and how to establish a healthy credit score early on in life can help increase your financial freedom and purchasing power in the future.
The State of Your Parent's Estate
Talking with a parent about estate planning is never easy. Here are several conversation starters that can help adult children and their parents' plan.
Graduating College
Armed with a college degree and a blank state, your future awaits. Exciting new adventures and challenges are on the horizon. To help ensure you're prepared for what's ahead, it's important to understand how your financial decisions today can impact your opportunities tomorrow.
Starting Your First Job
Beginning your career can be both exciting and nerve-wracking. A crucial first step is determining which career path is right for you. Beyond that, you'll want to be up to speed on various topics like professionalism, productivity and payroll.
The Art of Saving
Saving is more than simply putting money aside: It's a practice, a philosophy, and a tool for accumulating wealth, reaching your goals, and most importantly, achieving financial freedom. Saving is not just about retirement, it's about creating a plan to help finance your goals and dreams and the earlier you start, the better.
The Basics of Investing
Creating an investment strategy that incorporates your lifestyle goals and tolerance for risk is essential. Setting clear goals for the short-term, long-term, and everything in between will help you decide what trade-offs you are willing to make to prepare for the important milestones ahead.
Starting a Business
Building a business from scratch can be a lot harder and riskier than some may think, but if you are able to align your profession with your passions, it can be well worth it. The key to making your entrepreneurial dream a reality is having a clear understanding of the value your business will create, a solid plan for delivering that value, and the perseverance to see it through.
Starting a Family
It's important to anticipate what to expect before you're expecting. Your monthly expenses are going to change now that you have an additional mouth to feed, and for some this might also coincide with a temporary—or more permanent—decrease in household income. By mapping out your baby budget in advance, you can help ease anxiety about counting diaper costs.
Location
1229 Post Road
Fairfield, CT 06824
US
Direct:
(203) 319-5140(203) 319-5140
Meet The 1229 Group
Senior Vice President, Wealth Management, Financial Advisor, Senior Institutional Consultant, Government Entity Specialist
Phone:
(203) 319-5165(203) 319-5165
Lindsay Pereguda
Vice President, Wealth Management Associate, Branch Administrator, Portfolio Associate
Phone:
(203) 319-5167(203) 319-5167
About Steven Flagg
Steve launched his career in 1981 with PaineWebber. After working as an options trader, he joined the firm’s research department as a liaison between equity analysts and financial advisors while earning his MBA in Finance and Marketing from Pace University. In 1987, Steve became a financial advisor in PaineWebber’s Stamford, CT branch. He later worked for Merrill Lynch’s Wealth Management division in 2002 and served his clients as a Senior Vice President.
Steve joined Morgan Stanley in 2022 as Senior Vice President and Financial Advisor in order to deepen his commitment to his clients and provide first class service in a first-class way. In 2026, he was named Executive Director.
Indicative of his commitment to serve his clients as a life-long learner, Steve has earned the following professional designations: Certified Financial Planner™(CFP™), Certified Private Wealth Advisor® (CPWA®), Certified Investment Management Analyst® (CIMA®) and Certified Divorce Financial Analyst® (CDFA®). Additionally, he has been named to the Forbes "Best-in-State Wealth Advisors" list in 2019, 2020, 2021 and 2022* and the Forbes “Best-In-State Wealth Management Teams” in 2026.
Steve genuinely cares about each client’s wellbeing. By being informative and by following a disciplined planning-based approach, he is consistently attentive to his clients’ goals and needs. In conjunction with this, he develops sustainable strategies that help create financial independence as well as meaningful legacies for clients.
Steve lives in Carmel, NY with his wife Andrea and their 3 daughters.
2019-2022 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25. Please refer to important criteria and methodology at the end of this material.
https://www.morganstanley.com/disclosures/awards-disclosure/
Steve joined Morgan Stanley in 2022 as Senior Vice President and Financial Advisor in order to deepen his commitment to his clients and provide first class service in a first-class way. In 2026, he was named Executive Director.
Indicative of his commitment to serve his clients as a life-long learner, Steve has earned the following professional designations: Certified Financial Planner™(CFP™), Certified Private Wealth Advisor® (CPWA®), Certified Investment Management Analyst® (CIMA®) and Certified Divorce Financial Analyst® (CDFA®). Additionally, he has been named to the Forbes "Best-in-State Wealth Advisors" list in 2019, 2020, 2021 and 2022* and the Forbes “Best-In-State Wealth Management Teams” in 2026.
Steve genuinely cares about each client’s wellbeing. By being informative and by following a disciplined planning-based approach, he is consistently attentive to his clients’ goals and needs. In conjunction with this, he develops sustainable strategies that help create financial independence as well as meaningful legacies for clients.
Steve lives in Carmel, NY with his wife Andrea and their 3 daughters.
2019-2022 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25. Please refer to important criteria and methodology at the end of this material.
https://www.morganstanley.com/disclosures/awards-disclosure/
Securities Agent: IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, OH, ID, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 580014
NMLS#: 580014
About Joseph J Matthews
Joe assists investors with creating investment processes consistent with risk tolerance, time horizon and liquidity needs. As a Senior Institutional Consultant, Joe addresses the needs of institutional investors including non-profit organizations, foundations and government entities. In addition to these responsibilities, Joe serves as the Branch Manager of the Fairfield, CT office and has been recognized by On Wall Street magazine as a Top 100 Branch Manager in 2016, 2017 and 2018.
Joe graduated from Fairfield University with a B.S. in Accounting and an M.A. in Organizational Communication. He has earned both the Chartered Financial Analyst (CFA) and Certified Financial Planner™ (CFP®) professional designations and currently is an adjunct professor at Fairfield University teaching courses in Economics. Previously, he taught Finance and Economics classes at New York University and Pace University. The experience and skills gained from over 20 years of teaching at the university level help him with educating his clients about investment strategies, asset allocation, capital markets and the importance of using definable and repeatable methods of portfolio management. In conjunction with his responsibilities and professional designations, he is a member of CFA Society New York, CFA Society Stamford (CT), CFA Society Ireland, the Association of Professional Investment Consultants (APIC), the Government Finance Officers Association of Connecticut (GFOA-CT) and the American Economic Association (AEA).
Joe has written a bi-monthly business column for seven Connecticut newspapers that appeared in print as well as online. He actively supports the Red Cross and has been involved with numerous charitable organizations over the years. He currently serves as the Chairman Emeritus of the Board of the Stratford (CT) Visiting Nurses Association, as a Trustee for Foundations in Education, is a reader at his local parish and reads to grammar school children in public schools in Bridgeport, CT with the School Volunteer Association.
Joe and his wife Deborah have three grown children and four grandchildren.
On Wall Street's Top 100 Branch Manager Honorees as identified by onwallstreet using criteria such as achievements during the year, ability to identify, recruit, develop, retain and reward talented Financial Advisors and dedication to the goal of providing superior client service. The Honorees are selected from the pool of nominees by judges chosen by onwallstreet. The rating may not be representative of any one client's experience and is not indicative of the Branch Manager's future performance. Neither Morgan Stanly Smith Barney LLC nor its Branch Managers pay a fee to onwallstreet in exchange for the rating.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial
Advisor to understand these differences.
The strategies and/or investments discussed in this material may not be appropriate for all investors.
Asset Allocation does not assure a profit or protect against loss in declining financial markets. Morgan Stanley Smith Barney LLC. Member SIPC.
Joe graduated from Fairfield University with a B.S. in Accounting and an M.A. in Organizational Communication. He has earned both the Chartered Financial Analyst (CFA) and Certified Financial Planner™ (CFP®) professional designations and currently is an adjunct professor at Fairfield University teaching courses in Economics. Previously, he taught Finance and Economics classes at New York University and Pace University. The experience and skills gained from over 20 years of teaching at the university level help him with educating his clients about investment strategies, asset allocation, capital markets and the importance of using definable and repeatable methods of portfolio management. In conjunction with his responsibilities and professional designations, he is a member of CFA Society New York, CFA Society Stamford (CT), CFA Society Ireland, the Association of Professional Investment Consultants (APIC), the Government Finance Officers Association of Connecticut (GFOA-CT) and the American Economic Association (AEA).
Joe has written a bi-monthly business column for seven Connecticut newspapers that appeared in print as well as online. He actively supports the Red Cross and has been involved with numerous charitable organizations over the years. He currently serves as the Chairman Emeritus of the Board of the Stratford (CT) Visiting Nurses Association, as a Trustee for Foundations in Education, is a reader at his local parish and reads to grammar school children in public schools in Bridgeport, CT with the School Volunteer Association.
Joe and his wife Deborah have three grown children and four grandchildren.
On Wall Street's Top 100 Branch Manager Honorees as identified by onwallstreet using criteria such as achievements during the year, ability to identify, recruit, develop, retain and reward talented Financial Advisors and dedication to the goal of providing superior client service. The Honorees are selected from the pool of nominees by judges chosen by onwallstreet. The rating may not be representative of any one client's experience and is not indicative of the Branch Manager's future performance. Neither Morgan Stanly Smith Barney LLC nor its Branch Managers pay a fee to onwallstreet in exchange for the rating.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial
Advisor to understand these differences.
The strategies and/or investments discussed in this material may not be appropriate for all investors.
Asset Allocation does not assure a profit or protect against loss in declining financial markets. Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: OR, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, NY, NV, NM, NJ, PA, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, OH, OK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 579057
NMLS#: 579057
About Lindsay Pereguda
Lindsay Pereguda is a Vice President and Wealth Management Associate at Morgan Stanley in Fairfield, CT.
She began her financial services career at Alliance Bernstein in 2008 advancing to the role of Senior Registered Client Associate in support of an advisory team. In 2013, she joined Douglas Elliman Real Estate as an Operations Manager to assist high net worth families navigate New York City real estate transactions. Upon reentering the wealth management industry, she has held the position of Senior Registered Client Service Associate at Wells Fargo and Janney Montgomery Scott. Lindsay joined Morgan Stanley in 2018.
With over 17 years of experience in client service and operations, Lindsay works closely with high net-worth clients, non-profits and government entities providing services that include onboarding, account maintenance and the utilization of Morgan Stanley’s technology to create a seamless client experience. Her role also involves assisting clients with their financial planning needs.
Lindsay received her B.A. in Economics from Fordham University in 2008. She holds her Series 7, Series 63, Series 66 securities registrations as well as insurance licenses. Lindsay and her husband Tom have two sons, Andrew and Julian.
She began her financial services career at Alliance Bernstein in 2008 advancing to the role of Senior Registered Client Associate in support of an advisory team. In 2013, she joined Douglas Elliman Real Estate as an Operations Manager to assist high net worth families navigate New York City real estate transactions. Upon reentering the wealth management industry, she has held the position of Senior Registered Client Service Associate at Wells Fargo and Janney Montgomery Scott. Lindsay joined Morgan Stanley in 2018.
With over 17 years of experience in client service and operations, Lindsay works closely with high net-worth clients, non-profits and government entities providing services that include onboarding, account maintenance and the utilization of Morgan Stanley’s technology to create a seamless client experience. Her role also involves assisting clients with their financial planning needs.
Lindsay received her B.A. in Economics from Fordham University in 2008. She holds her Series 7, Series 63, Series 66 securities registrations as well as insurance licenses. Lindsay and her husband Tom have two sons, Andrew and Julian.
Contact Steven Flagg
Contact Joseph J Matthews
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25.
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
Marianne Murphy
Private Banker
Mary Gelfand
Financial Planning Director
Chris Smith
Trust Specialist
Thomas O'Brien
Planning Associate
Angelo Loumbas
Family Office Resource Generalist
About Marianne Murphy
Marianne Murphy is a Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.
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.
Marianne began her career in financial services in 2015 and joined Morgan Stanley in 2018 as an Associate Private Banker in Midtown Manhattan. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in South Norwalk, Connecticut with her husband. Outside of the office, Marianne enjoys kayaking and is always catching the latest released movies or Yankees game.
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.
Marianne began her career in financial services in 2015 and joined Morgan Stanley in 2018 as an Associate Private Banker in Midtown Manhattan. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in South Norwalk, Connecticut with her husband. Outside of the office, Marianne enjoys kayaking and is always catching the latest released movies or Yankees game.
NMLS#: 1732135
About Mary Gelfand
Mary Gelfand is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in Westchester County, NY and Fairfield County, CT. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.
Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.
Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.
Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
About Thomas O'Brien
Thomas O’Brien is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Thomas provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Lynbrook, NY and currently resides in Lynbrook, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Lynbrook, NY and currently resides in Lynbrook, NY.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
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.
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The 1229 Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
