John Coleman
The Coleman Group at Morgan Stanley
Direct:
(650) 340-6500(650) 340-6500
Our Mission Statement
To pave the path to your financial destination and help you arrive on time and in comfort.
My Story
If you ever visit my office (and I hope you will), you will probably be struck by the number of postcards displayed wherever there is available space. These postcards are not necessarily from places to which I’ve traveled. In fact, they are not mine at all.
When I ask clients what they really want out of life, many of them express a desire to visit some far flung location on the other side of the world. I tell them that if I can help them get there, I’d appreciate it if they would send me a postcard.
I tell you this fable because I think it’s indicative of the way I relate to my clients. I love my role as a financial advisor at Morgan Stanley. I take genuine pleasure in assisting my clients’ progress toward and ultimately reaching their most challenging financial goals.
Whether their financial goals involve: retiring with confidence, leaving a meaningful legacy to loved ones, sending a child or grandchild to college or perhaps financing the purchase of a new home; what is important is completing and implementing the right type of plan for its realization.
Whatever your financial goal(s), I can help you define its cost(s), determine how far away you are from it now and what tangible steps to take for reaching your goal(s). Browse through my site and if you have questions on how to achieve your financial goals, contact me. I’ll show you my postcards and who knows – maybe you will add to my collection someday.
When I ask clients what they really want out of life, many of them express a desire to visit some far flung location on the other side of the world. I tell them that if I can help them get there, I’d appreciate it if they would send me a postcard.
I tell you this fable because I think it’s indicative of the way I relate to my clients. I love my role as a financial advisor at Morgan Stanley. I take genuine pleasure in assisting my clients’ progress toward and ultimately reaching their most challenging financial goals.
Whether their financial goals involve: retiring with confidence, leaving a meaningful legacy to loved ones, sending a child or grandchild to college or perhaps financing the purchase of a new home; what is important is completing and implementing the right type of plan for its realization.
Whatever your financial goal(s), I can help you define its cost(s), determine how far away you are from it now and what tangible steps to take for reaching your goal(s). Browse through my site and if you have questions on how to achieve your financial goals, contact me. I’ll show you my postcards and who knows – maybe you will add to my collection someday.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
I remember the first time I asked a client what appeared to be the simplest of questions and how taken aback he was when I did.
The question was, “Do you know how much you’re paying me?”
As your financial advisor complete transparency is important to me. I want my clients to understand fees and how they impact investment performance. I also want them to have a firm grasp on what’s required to meet their financial goals and whether or not they’re progressing as planned.
This transparency is also reflected in the service model I’ve developed over more than 30 years as a financial advisor. Starting with access to me; my clients always have my cellphone number and unflagging commitment to provide them with service that makes a difference in their financial lives. It’s important to me that my clients can reach me whenever they have a question or concern.
Additional levels of my services vary on the needs of my clients, however can include Morgan Stanley Bank mortgage financing or our CashPlus client benefits such as: free checking, debit cards, identity theft protection, ATM charges reimbursed worldwide, elite travel benefits and the $695 American Express Platinum Card annual charges rebated back to their Morgan Stanley accounts. My services also include one-on-one consultations with you, your children or other family members to discuss inheritance and estate planning strategies to ensure the legacy you have built.
Nick Scott, the Portfolio Associate who works closely with me, has been helping clients simplify their financial lives. He is as determined as I to respond quickly and effectively whenever you have a financial issue and to anticipate those issues before they arise.
The question was, “Do you know how much you’re paying me?”
As your financial advisor complete transparency is important to me. I want my clients to understand fees and how they impact investment performance. I also want them to have a firm grasp on what’s required to meet their financial goals and whether or not they’re progressing as planned.
This transparency is also reflected in the service model I’ve developed over more than 30 years as a financial advisor. Starting with access to me; my clients always have my cellphone number and unflagging commitment to provide them with service that makes a difference in their financial lives. It’s important to me that my clients can reach me whenever they have a question or concern.
Additional levels of my services vary on the needs of my clients, however can include Morgan Stanley Bank mortgage financing or our CashPlus client benefits such as: free checking, debit cards, identity theft protection, ATM charges reimbursed worldwide, elite travel benefits and the $695 American Express Platinum Card annual charges rebated back to their Morgan Stanley accounts. My services also include one-on-one consultations with you, your children or other family members to discuss inheritance and estate planning strategies to ensure the legacy you have built.
Nick Scott, the Portfolio Associate who works closely with me, has been helping clients simplify their financial lives. He is as determined as I to respond quickly and effectively whenever you have a financial issue and to anticipate those issues before they arise.
Professional Investment Management
I was an early adopter of third party, professional investment management. I felt it made more sense for my clients than solely conducting business on a transactional basis. Managers are compensated by fees that are a percentage of invested assets so when their clients do well, they do well. This alignment of interests appealed to me far more than commission-based arrangements.
Morgan Stanley’s Consulting Group has long set the standard for researching investment management organizations with a strong history of performance and organizational excellence. The firm’s Unified Managed Account structure enables me to employ the services of multiple managers when constructing portfolios for my clients.
Morgan Stanley’s Consulting Group has long set the standard for researching investment management organizations with a strong history of performance and organizational excellence. The firm’s Unified Managed Account structure enables me to employ the services of multiple managers when constructing portfolios for my clients.
Comprehensive Financial Planning
As a Certified Investment Management Analyst® (CIMA®) and a Morgan Stanley Consulting Group Senior Consultant, I develop comprehensive plans for my clients that encompass virtually every aspect of their financial lives.
Investment management is a key component of my skillset and a factor I believe contributes greatly to the likelihood of my clients achieving their goals. I take great care in creating an asset allocation for each one of my clients, based on their objectives and risk tolerance. Finally, utilizing stress-tests to determine how portfolios would have performed in historically adverse market environments helps clients understand what to expect along the way to be able to achieve their goals.
I also advocate an investment approach that combines active and passive management investment styles. Proper investment management should take advantage of market trends we foresee and strive for the returns necessary to meet your objectives.
Investment management is a key component of my skillset and a factor I believe contributes greatly to the likelihood of my clients achieving their goals. I take great care in creating an asset allocation for each one of my clients, based on their objectives and risk tolerance. Finally, utilizing stress-tests to determine how portfolios would have performed in historically adverse market environments helps clients understand what to expect along the way to be able to achieve their goals.
I also advocate an investment approach that combines active and passive management investment styles. Proper investment management should take advantage of market trends we foresee and strive for the returns necessary to meet your objectives.
Location
216 Lorton Avenue
Suite 200
Burlingame, CA 94010
US
Direct:
(650) 340-6500(650) 340-6500
Meet The Coleman Group
Nick Scott
Registered Client Service Associate
Phone:
(650) 340-6501(650) 340-6501
About Nick Scott
Nick is most likely the first person you talk to when calling our office. He joined Morgan Stanley in 2021 and brings his nine years of experience having previously served in a variety of roles at Edward Jones and at Wells Fargo.
Nick is the relationship manager for our practice. He has a natural desire to want to help people, an attention to detail, excellent listening skills and strong empathy which is what drives his relationships. He provides clients with a wide variety of services designed to enhance their satisfaction and simplify their financial lives.
Nick is a Sacramento native and a graduate from Sac State. In his free time, you can find Nick bowling, playing golf, watching the Sacramento Kings, studying for his CFP or spending time with his family and friends.
Nick is the relationship manager for our practice. He has a natural desire to want to help people, an attention to detail, excellent listening skills and strong empathy which is what drives his relationships. He provides clients with a wide variety of services designed to enhance their satisfaction and simplify their financial lives.
Nick is a Sacramento native and a graduate from Sac State. In his free time, you can find Nick bowling, playing golf, watching the Sacramento Kings, studying for his CFP or spending time with his family and friends.
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
Wendy Fortenberry
Private Banker
Brent Curlow, CFA, CFP®
Financial Planning Director, Vice President
About Wendy Fortenberry
Wendy Fortenberry is a Private Banker serving Morgan Stanley Wealth Management offices in California and Hawaii.
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.
Wendy began her career in financial services in 2001 and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games and performing arts events as well as spending time with family and friends.
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.
Wendy began her career in financial services in 2001 and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games and performing arts events as well as spending time with family and friends.
NMLS#: 637424
About Brent Curlow
Brent Curlow is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in San Francisco and Hawaii. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Brent began his career in financial services in 2003, and joined Morgan Stanley in 2022. Prior to his current position, he worked at First Hawaiian Bank as an Investment Services Analyst.
Brent graduated from the Wharton School of the University of Pennsylvania and holds his CERTIFIED FINANCIAL PLANNER™ designation and is a CFA charter holder . Brent lives in Honolulu, Hawaii with his wife, Helen. Outside of work, Brent volunteers as Social Chair for CFA Hawaii and Board Director for Financial Planning Association of Hawaii.
Brent began his career in financial services in 2003, and joined Morgan Stanley in 2022. Prior to his current position, he worked at First Hawaiian Bank as an Investment Services Analyst.
Brent graduated from the Wharton School of the University of Pennsylvania and holds his CERTIFIED FINANCIAL PLANNER™ designation and is a CFA charter holder . Brent lives in Honolulu, Hawaii with his wife, Helen. Outside of work, Brent volunteers as Social Chair for CFA Hawaii and Board Director for Financial Planning Association of Hawaii.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
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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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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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
Ready to start a conversation? Contact The Coleman Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
