Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation
Phone:
(650) 496-3988(650) 496-3988
The Bay Pacific Group at Morgan Stanley
Direct:
(650) 496-3988(650) 496-3988
Our Mission Statement
Financial and strategic implementation through a tailored experience to help you achieve your life goals
Our Story and Services
We work with clients to implement financial strategies to help them achieve their life goals.
Our team is dedicated to helping people understand the complex financial decisions associated with retirement. This includes analyzing your pre-retirement plans, evaluating your options if you are changing employers, and building a portfolio to meet your retirement needs.
We believe in a customized approach for each individual and family, allowing us to help clients with a range of strategies, including estate planning, financial planning, education funding, lending, and insurance services. With our history in the business, we have seen many market cycles and worked with individuals through many key business and personal decisions in their lives.
Please click on the tab “Our Videos” to review our videos on retirement planning and investment strategies. We look forward to working with you.
Our team is dedicated to helping people understand the complex financial decisions associated with retirement. This includes analyzing your pre-retirement plans, evaluating your options if you are changing employers, and building a portfolio to meet your retirement needs.
We believe in a customized approach for each individual and family, allowing us to help clients with a range of strategies, including estate planning, financial planning, education funding, lending, and insurance services. With our history in the business, we have seen many market cycles and worked with individuals through many key business and personal decisions in their lives.
Please click on the tab “Our Videos” to review our videos on retirement planning and investment strategies. We look forward to working with you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR FOUR-STEP PROCESS
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
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 your financial information and documents you've provided to consider asset allocation and strategies and define your priorities.
3. Analysis & Plan Development
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
We present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we 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.
Morgan Stanley Online
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Total Wealth View
Easily view your account balance, activity, holdings and projected income. Download account and tax documents, statements and more. Also trade stocks and exchange-traded funds (ETFs). Transfer funds between your accounts at Morgan Stanley and other financial institutions.
Retirement Planning
Will your savings support your desired retirement lifestyle over multiple decades? Let's create a strategy to help ensure your finances support a long-lasting retirement.
Goals Planning System
At Morgan Stanley, Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial and life goals.
Portfolio Risk Management
What if there were a resource that could show you where your investment exposures are and how they might affect your returns in different scenarios?
Tax-Efficient Investing
Many clients want to mitigate their tax liabilities and keep more of their investment returns. There are a variety of tax-advantaged strategies to consider and we can discuss what might fit for your financial situation.
IRA Rollover
The decision to roll over your retirement assets from a retirement plan or an IRA is one of the more important financial decisions you will make.
Online Security Center
Safeguarding your assets and personal information is among our highest priorities. Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Location
1400 Page Mill Road
Palo Alto, CA 94304
US
Direct:
(650) 496-3988(650) 496-3988
Meet The Bay Pacific Group
Second Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Workplace Advisor – Equity Compensation
Phone:
(650) 926-7127(650) 926-7127
Phone:
(650) 496-3992(650) 496-3992
About Dan Flores
Dan Flores is a Senior Vice President, Financial Advisor, and Portfolio Management Director at Morgan Stanley. With over 25 years of experience in wealth management, Dan’s considerable experience and broad skillset allows him to help clients with a range of future planning strategies, including retirement planning, estate planning, lending and insurance services, risk management, and business transfer. Dan grew up in a small farming community in Southern California and graduated from the University of the Pacific with a degree in Pharmacy. He then worked as a Pharmacist before transitioning to the financial services industry in 1984. With a passion for finance and a proficiency in numbers, he joined UBS and its predecessor firms as a Financial Advisor, where he remained for 24 years before joining Morgan Stanley in 2010. Additionally, he earned the prestigious designation of Certified Portfolio Manager® from Columbia University in New York. This certification qualifies Dan to provide sophisticated solutions regarding investment analysis, asset allocation, and portfolio management.
Dan works closely with his clients to help them pinpoint their goals for themselves and their families. He begins with a 360-degree assessment of each client’s financial status, including assets, liabilities, taxes, and insurance needs. Dan has seen many market cycles and his experience helps him handle a wide variety of complex financial situations in his clients' lives.
Outside of work, Dan enjoys horseback riding and backpacking. A true chess enthusiast, he loves to read and study chess strategy and often plays with local chess clubs wherever he travels. Dan is active in his community and served as a board member at his daughters’ school on the Woodside School Foundation. Married over 35 years, Dan enjoys spending time with his wife and twin daughters.
Dan works closely with his clients to help them pinpoint their goals for themselves and their families. He begins with a 360-degree assessment of each client’s financial status, including assets, liabilities, taxes, and insurance needs. Dan has seen many market cycles and his experience helps him handle a wide variety of complex financial situations in his clients' lives.
Outside of work, Dan enjoys horseback riding and backpacking. A true chess enthusiast, he loves to read and study chess strategy and often plays with local chess clubs wherever he travels. Dan is active in his community and served as a board member at his daughters’ school on the Woodside School Foundation. Married over 35 years, Dan enjoys spending time with his wife and twin daughters.
Securities Agent: MT, IL, ID, CO, OK, MN, VA, TX, NJ, FL, WY, PA, NH, MA, CT, UT, OR, NV, NC, MO, CA, AZ, WI, WA, NM, ME, GA, TN, SC, MI, HI, RI, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1279405
CA Insurance License #: 0A59861
NMLS#: 1279405
CA Insurance License #: 0A59861
About Holly Stowell
I believe achieving your financial goals begins with a comprehensive wealth management strategy. This is why exploring what is most important to you and formulating strategies suited for your needs is at the heart of my philosophy as a Financial Advisor at Morgan Stanley.Wherever you are in life, whatever your goals focus on, having a financial plan that aligns with your lifestyle and legacy goals is paramount to a successful wealth management strategy. The next step is finding the right advisor who will provide key insights and resources to implement that financial plan and wealth management strategy.Whether you are accumulating wealth, investing for income, solidifying your retirement plan or devising a wealth distribution approach as a Corporate Executive, as your Financial Advisor, I am here as your financial coach throughout all of life’s stages. Working together, we will leverage our knowledge and resources to plan for your future needs and goals, allowing you to focus on the aspects of your life that are most important now. Plan for tomorrow - Live and enjoy today.
Securities Agent: MA, TN, MO, IL, FL, TX, OR, NM, MT, AZ, RI, CA, WI, UT, NV, OK, NY, GA, CT, ID, WY, WA, VA, PA, MN, NC, MI, HI, CO, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268282
CA Insurance License #: 0B77347
NMLS#: 1268282
CA Insurance License #: 0B77347
About Jessica Flores
Jessica Flores is a Financial Advisor and Financial Planning Specialist at Morgan Stanley. She is part of The Bay Pacific Group with over 65 years of combined experience in wealth management. Jessica brings perspective and experience to the group from her time in healthcare and sports management, and she helps clients with a range of financial planning strategies, including retirement planning and tax-advantaged investing. Jessica grew up in the San Francisco Bay Area of California and went to Southern Methodist University in Dallas, Texas for her undergraduate, earning degrees in Applied Physiology and Sports Management and Chemistry. She then went to graduate school at the University of Southern California and obtained her Master of Health Administration before transitioning to the financial services industry.
Jessica works closely with her clients in a collaborative way to help them pinpoint their financial and personal goals. This begins as a discussion and a 360-degree assessment of each client's financial status, including assets, liabilities, taxes, and insurance needs. From there we consider the best plan of action, customized to each individual and provide a first-class service while working together at every business turn in your career and every personal turn in your life.
Outside of work, Jessica enjoys horseback riding, working out, and spending time with family and friends. She has competed nationally and internationally in Tetrathlon, which consists of running, swimming, shooting, and horseback riding. Jessica is also very active in community organizations, including the United States Pony Club and her two alma maters. She credits both SMU and USC to her passion in working with like-minded individuals in the healthcare and sports industries.
Jessica works closely with her clients in a collaborative way to help them pinpoint their financial and personal goals. This begins as a discussion and a 360-degree assessment of each client's financial status, including assets, liabilities, taxes, and insurance needs. From there we consider the best plan of action, customized to each individual and provide a first-class service while working together at every business turn in your career and every personal turn in your life.
Outside of work, Jessica enjoys horseback riding, working out, and spending time with family and friends. She has competed nationally and internationally in Tetrathlon, which consists of running, swimming, shooting, and horseback riding. Jessica is also very active in community organizations, including the United States Pony Club and her two alma maters. She credits both SMU and USC to her passion in working with like-minded individuals in the healthcare and sports industries.
Securities Agent: WY, MS, AL, CA, DE, SD, ND, PA, SC, NJ, NY, RI, MD, NM, WV, OK, OR, OH, WA, MI, VI, KY, VT, MO, CO, AZ, HI, IN, AK, UT, IL, GA, NE, ME, FL, MN, TN, TX, VA, WI, NV, MT, NC, PR, KS, NH, MA, LA, DC, IA, ID, CT, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 2558082
NMLS#: 2558082
Contact Dan Flores
Contact Holly Stowell
Contact Jessica Flores
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Bay Pacific Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7When 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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7When 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.
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)
