Kerri Connellan
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Family Wealth Advisor
Phone:
(212) 401-0535(212) 401-0535
The CSP Team at Morgan Stanley
Direct:
(212) 692-2800(212) 692-2800
Toll-Free:
(800) 627-0608(800) 627-0608
Our Mission Statement
Our team is backed by the intellectual capital and global resources of Morgan Stanley to help provide the highest level of service and advice to our clients to help them reach their financial goals.
Our Story
The CSP Team at Morgan Stanley has served our client base for more than 20 years. Our cohesive team works hard to provide superior service and to put our clients first. We have extensive experience in the industry and are able to navigate complicated financial and estate planning issues utilizing Morgan Stanley’s vast resources. We act as our clients’ primary Financial Advisors, helping them manage their complex financial lives so they can enjoy the fruits of it.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The CSP Team works with a select group of high net worth families and individuals. Our clients include entrepreneurs, current and former executives of Fortune 50 companies, private equity partners and other highly accomplished individuals. We frequently work with multiple generations within a family. Our clients are engaged in their investments and expect sophisticated strategies and superior service from our team.
Understanding how increasingly busy lives leave little time to focus on personal finances, the CSP Team strives to organize and simplify complex financial issues for clients. Our overall objective as financial advisors is to help you identify and reach your goals. We want to enhance your wealth and help you plan for your legacy. We gladly work with your attorney and accountant to ensure we surround you with a unified strategy.
Understanding how increasingly busy lives leave little time to focus on personal finances, the CSP Team strives to organize and simplify complex financial issues for clients. Our overall objective as financial advisors is to help you identify and reach your goals. We want to enhance your wealth and help you plan for your legacy. We gladly work with your attorney and accountant to ensure we surround you with a unified strategy.
1. Introductory Meeting
We will host you at your office or will travel to you within reason. We also have the capability to host Zoom meetings.
2. Discovery & Plan Creation
We will review your financial holdings utilizing the best-in-class risk metrics. Then, we can create a personalized financial plan using our LifeView and GPS software.
3. Implement
We will put your investment plan in to place using proprietary and third party solutions to deliver an optimal path forward.
4. Monitor
We will actively monitor the investments and performance relative to your personalized financial plan.
OUR SERVICES
Executive Financial Services
Financial Planning
Fixed Income
Cash Management and Lending Products
Precious Metals
Foreign Exchange
Professional Portfolio Management
Sustainable Investing
Financial Planning
Our financial planning process begins with you, your investment objectives and your financial goals. Our holistic approach encompasses all the elements of your financial life — your investments and your cash management needs — making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and extensive list of resources that Morgan Stanley offers allows us to implement a process and plan that translates your goals into reality.
The sophisticated suite of tools and extensive list of resources that Morgan Stanley offers allows us to implement a process and plan that translates your goals into reality.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn more about Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn more about our Planning Tools
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn more about Morgan Stanley Online
Digital Vault
Digital Vault allows you to easily manage and share your important documents. All files are scanned for viruses and malware, and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn more about Digital VaultRESOURCES FOR YOU
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn more about our Online Security Center
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click here for the most recent "GIC Weekly" Report
Planning for Education
With the rising costs of education, paying for college has become a major life expense that requires smart planning. Explore some strategies for funding education costs and setting the children in your lives up for success.
Learning more about our Education Planning Center
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click here for the most recent “On the Markets” Report
Financial Literacy Resources
From understanding the basics to protecting your financial legacy or planning for your retirement, here are some resources to ensure you and your family are educated and prepared.
Click here to learn more
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check out the latest episodeLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 692-2800(212) 692-2800
Toll-Free:
(800) 627-0608(800) 627-0608
1030 Broad Street
Fl 3
Shrewsbury, NJ 07702
US
Direct:
(732) 389-5170(732) 389-5170
201 Main Street
Ste 1500
Fort Worth, TX 76102
US
Direct:
(212) 401-0535(212) 401-0535
Meet The CSP Team
Phone:
(732) 389-5170(732) 389-5170
James Pucciarelli
Executive Director, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(212) 401-0534(212) 401-0534
Sal Di Ruggiero
Vice President, Director of Business Strategy, Wealth Management
Phone:
(212) 401-0536(212) 401-0536
Justine Viohl
Senior Registered Associate
Phone:
(732) 389-8612(732) 389-8612
About Kerri Connellan
Kerri Connellan is a Senior Vice President and Portfolio Manager at Morgan Stanley. She brings over 20 years of experience as a Financial Advisor and holds the Family Wealth Advisor designation within Morgan Stanley. Prior to Morgan Stanley, Kerri was a Vice President and Investment Advisor in the Wealth and Investment Management division of Barclays. She joined Barclays in September 2008 through the acquisition of Lehman Brothers, where she served as a Vice President and Investment Advisor since 2001. Kerri has been named to Forbes Top Women Wealth Advisors Best-In-State 2023, Forbes Top Women Wealth Advisors 2021 and Working Mother Magazine's Top Wealth Advisor Moms since 2018. Kerri has also earned Master's Club Membership at Morgan Stanley in 2017, 2018, and 2021 and Century Club Membership in 2019 and 2020.
Kerri earned her MBA in Finance from NYU's Stern School of Business and a Bachelor of Science in Chemical Engineering from the University of Arkansas.
Forbes Best-In-State Women Advisors (2023)
SOURCE: FORBES.COM (AWARDED FEB 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/21 - 9/30/22.
2018-2022 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018-2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Kerri earned her MBA in Finance from NYU's Stern School of Business and a Bachelor of Science in Chemical Engineering from the University of Arkansas.
Forbes Best-In-State Women Advisors (2023)
SOURCE: FORBES.COM (AWARDED FEB 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/21 - 9/30/22.
2018-2022 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018-2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
NMLS#: 1423945
About Howard Shallcross
Howard is a problem-solver and educator. Early in his career, he was a market maker at the NYSE and had a front row seat learning how markets worked and the different events that influenced them. As a Portfolio Manager Director, Howard is able to apply his experience and translate it into providing his clients with a helpful perspective. He enjoys learning about his clients - their lives, their families, and their goals - and believes that education and trust is at the core of their relationships.
Most importantly, Howard listens to his clients. The only way he can provide the best advice is by fully understanding each client and their financial picture and goals, and he wants to make sure his clients are asking the right questions. Howard's clients work with him because he helps to make their financial lives easier, in addition to his knowledge of the markets and investment.
Howard is most proud of his team's dedication to providing his clients with excellent service and a sincere smile. Each member of his team is included, empowered, and considered to be family. As a result, clients are familiar and comfortable with each member on the team.
Howard earned a BS in Finance from Villanova University and his MBA from New York University. He began his career in the financial industry in 1992 and joined Morgan Stanley in 2012.
Howard lives in Holmdel, New Jersey, with his wife and three children. Some of his interests include his vinyl collection and classic HiFi audio system, in addition to his extensive collection of classic rock albums from the 1970s and 1980s.
He also values giving back to his community, spending his time outside of work as an Adjunct Lecturer at Brookdale Community College (in Macro and Micro Economics), the Captain of his local Men's League Hockey Club, the former Recreation Commissioner for the town of Holmdel, and a Board Member for Home For Good Dog Rescue.
Most importantly, Howard listens to his clients. The only way he can provide the best advice is by fully understanding each client and their financial picture and goals, and he wants to make sure his clients are asking the right questions. Howard's clients work with him because he helps to make their financial lives easier, in addition to his knowledge of the markets and investment.
Howard is most proud of his team's dedication to providing his clients with excellent service and a sincere smile. Each member of his team is included, empowered, and considered to be family. As a result, clients are familiar and comfortable with each member on the team.
Howard earned a BS in Finance from Villanova University and his MBA from New York University. He began his career in the financial industry in 1992 and joined Morgan Stanley in 2012.
Howard lives in Holmdel, New Jersey, with his wife and three children. Some of his interests include his vinyl collection and classic HiFi audio system, in addition to his extensive collection of classic rock albums from the 1970s and 1980s.
He also values giving back to his community, spending his time outside of work as an Adjunct Lecturer at Brookdale Community College (in Macro and Micro Economics), the Captain of his local Men's League Hockey Club, the former Recreation Commissioner for the town of Holmdel, and a Board Member for Home For Good Dog Rescue.
Securities Agent: MA, CO, OR, NJ, NC, GA, MI, FL, CA, OK, NH, AZ, WA, SC, MD, ME, PA, NY, CT, WI, VA, TX, NM, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1262020
NMLS#: 1262020
About James Pucciarelli
James Pucciarelli is an Executive Director and Portfolio Manager at Morgan Stanley with over 50+ years of Wall Street experience. Prior to Morgan Stanley, Jim was a Managing Director and Investment Representative at Barclays Wealth. Jim joined Barclays in 2008 as part of the Barclays acquisition of Lehman Brothers Private Investment Management business. At Lehman Brothers, where he was a Managing Director since 1989, Jim managed the employee branch where he handled the accounts of the most senior members of the firm. From 1964 to 1998, Jim rose through the Fixed Income Division to become the Senior Administrative Officer for corporate, high yield and municipal bonds.
Jim attended Baruch College (CUNY) and served two years in the United States Army.
Jim is a member of Metedeconk National Golf Club in Jackson, NJ. He resides in Morganville, NJ.
Jim attended Baruch College (CUNY) and served two years in the United States Army.
Jim is a member of Metedeconk National Golf Club in Jackson, NJ. He resides in Morganville, NJ.
Securities Agent: NC, AZ, CA, CO, CT, DC, FL, GA, MA, MD, ME, MI, NH, NJ, NM, NY, OK, OR, PA, SC, TX, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1428686
NMLS#: 1428686
About Sal Di Ruggiero
Sal Di Ruggiero is a Director of Business Strategy and Vice President with The Pucciarelli Connellan Group at Morgan Stanley. Prior to Morgan Stanley, Sal was a Vice President in the Wealth and Investment Management division of Barclays. He joined Barclays in September 2008 through the acquisition of Lehman Brothers, where he was a Client Service Associate since 2000. Sal entered the financial services industry in 1991 when he joined Lehman Brothers and has also worked at Oppenheimer & Co.
Sal earned his MBA in Finance and a Bachelor of Science in Economics from NYU's Stern School of Business.
Sal lives in New York's Westchester County with his wife and son.
Sal earned his MBA in Finance and a Bachelor of Science in Economics from NYU's Stern School of Business.
Sal lives in New York's Westchester County with his wife and son.
About Justine Viohl
With 20 years of industry experience, Justine is often the first line of contact on a broad array of administrative and operational services for clients. From opening and processing new account documents, client wires, checks, journals, ACH transactions and a variety of other client inquiries, Justine is passionate about providing excellent service with patience and expertise.
Justine is a Senior Registered Associate who started her career in wealth management at Salomon Smith Barney in 1997. She holds a Bachelor of Science from Georgian Court University and the Series 7 and 63 registrations. Outside of the office, she enjoys spending time with her family, running and reading.
Justine is a Senior Registered Associate who started her career in wealth management at Salomon Smith Barney in 1997. She holds a Bachelor of Science from Georgian Court University and the Series 7 and 63 registrations. Outside of the office, she enjoys spending time with her family, running and reading.
Contact Kerri Connellan
Contact Howard Shallcross
Contact James Pucciarelli
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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Ready to start a conversation? Contact The CSP Team today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 (“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.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8When 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.
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
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 (“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.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8When 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.
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)
