Tod E Frick, CFP®, CIMA®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(251) 990-2944(251) 990-2944
The DFD Group at Morgan Stanley
Tod E Frick, CFP®, CIMA®Leonardo D SilvaFrancisco D D'Oliveira, CFP®, CRPC®Sarah K. UnfriedWilliam Dorriety, CFA, CFP®
Direct:
(251) 990-2939(251) 990-2939
Toll-Free:
(877) 886-1777(877) 886-1777
Our Mission Statement
Excellence in family wealth planning with a global perspective and personalized approach.
Our Story
Life is always in flux. Goals evolve. Circumstances change. The market fluctuates.
The DFD Group at Morgan Stanley is dedicated to navigating these transitions while building and preserving wealth for our clients. We recognize that behind every investment dollar is a dream, goal or responsibility and we are stewards of those dollars.
Serving affluent clients both domestically and abroad, the DFD Group at Morgan Stanley provides customized planning geared to individual objectives. We offer informed financial guidance at critical stages of life, such as the approach of retirement, opening or selling of a business, succession planning, the birth of a child or death of a spouse or parent.
Our team possesses decades of experience and members have obtained the following certifications and designations:
• Certified Investment Management Analyst
• International Client Advisor
• Certified Financial Planner
• Chartered Retirement Planning Counselor
Clients of the DFD Group at Morgan Stanley benefit from having a multigenerational, multilingual team with varied backgrounds and complementary skills and experience, including international investing.
We are committed to responding promptly to our client’s needs and putting their personal investment goals and strategies first.
The DFD Group at Morgan Stanley is dedicated to navigating these transitions while building and preserving wealth for our clients. We recognize that behind every investment dollar is a dream, goal or responsibility and we are stewards of those dollars.
Serving affluent clients both domestically and abroad, the DFD Group at Morgan Stanley provides customized planning geared to individual objectives. We offer informed financial guidance at critical stages of life, such as the approach of retirement, opening or selling of a business, succession planning, the birth of a child or death of a spouse or parent.
Our team possesses decades of experience and members have obtained the following certifications and designations:
• Certified Investment Management Analyst
• International Client Advisor
• Certified Financial Planner
• Chartered Retirement Planning Counselor
Clients of the DFD Group at Morgan Stanley benefit from having a multigenerational, multilingual team with varied backgrounds and complementary skills and experience, including international investing.
We are committed to responding promptly to our client’s needs and putting their personal investment goals and strategies first.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS: FOCUSED ON YOU
1. Discover
Your life and experiences are important to us and the role it plays on your finance goals. We take time to learn what your lifestyle and family needs are.
2. Create
We develop a tailored roadmap to begin to help you build your wealth and identify objectives that are specific and measurable to you. We formulate corresponding financial obligations to fulfill what you care about.
3. Act
Next, we help you implement the strategies we formulate together and craft a goals based plan. This allows us to address both the dreams you hope to achieve and the risk of outliving your assets. With a plan in place we can better consider risks beyond volatility and implement the strategies we formulate together.
4. Adjust
Achieving your goals requires vigilance and flexibility. We help monitor your progress to keep you on track toward your goals and make adjustments as life evolves, markets shift, and priorities change.
Award
Forbes Best-In-State Wealth Management Teams 2023
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In-State Wealth Management Teams 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Forbes Best-In-State Wealth Advisors
One of our own, Tod Frick, was recently named to the Forbes Best-In-State Wealth Advisors ranking!
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Community Events
Here at the DFD Group, we take pride in helping our own in anyway. Below are some of the few examples of how we try and support our community.
Point Clear Rotary Clay Shoot
The DFD Group at Morgan Stanley's Fairhope branch sponsored an event at the Point Clear Rotary Clay Shoot.
Prodisee Pantry
The DFD Group at Morgan Stanley and the Morgan Stanley Fairhope branch volunteered to assist in packaging food
at the Prodisee Pantry.
at the Prodisee Pantry.
College Football Kick Off
The DFD Group at Morgan Stanley's Fairhope Branch participated with other branch members in the College Football Kick Off! It was a great time and awesome to see everyone supporting their teams!
Baller Dream Foundation
The DFD Group at Morgan Stanley and the Morgan Stanley Fairhope branch had great representation by Sarah
Unfried at the Baller Dream Race which supports the Baller Dream Foundation.
Unfried at the Baller Dream Race which supports the Baller Dream Foundation.
Digital Resources
Take a look into our digital suite of resources that we offer our clients on an everyday basis.
Financial Planning (GPS)
GPS helps clients define what their financial goals are, and then creates a financial framework to bring these goals to life.
Learn more about GPS here
Portfolio Risk Platform (Aladdin)
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative tool used by several of the world's largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Manage Your Risk
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that clients can take advantage of. Read more below on what some of these advantages are.
Enroll in MSO and learn more here
Reserved Living and Giving
Clients with $1 million or more in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Enroll in Reserved Living and GivingLocation
7530 Parker Road
Suite 100
Fairhope, AL 36532
US
Direct:
(251) 990-2939(251) 990-2939
Toll-Free:
(877) 886-1777(877) 886-1777
RSA Battle House Tower 11 N Water St Suite 16290
Mobile, AL 36602
US
Meet The DFD Group
Leonardo D Silva
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(251) 990-2932(251) 990-2932
Francisco D D'Oliveira, CFP®, CRPC®
First Vice President, Branch Manager, International Client Advisor
Phone:
(251) 990-2938(251) 990-2938
Sarah K. Unfried
Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(251) 990-2931(251) 990-2931
William Dorriety, CFA, CFP®
First Vice President, Financial Advisor, Portfolio Manager
Phone:
(251) 990-2933(251) 990-2933
Dominque Sanders
Portfolio Associate
Phone:
(251) 990-2953(251) 990-2953
Nick Greisinger
Client Service Associate
About Tod E Frick
Beginning his career in wealth management with Merrill Lynch, Tod has been a financial advisor since 1992. He moved to Morgan Stanley in 2010 with Sergio D'Oliveira to form The DFD Group, which later added Fran D’Oliveira, Sergio’s son, Leo Dutra, and Sarah Souers. The DFD Group has been serving clients both nationally and internationally with their team ever since.
Growing up in Baton Rouge, LA, Tod put himself through college and attended Louisiana State University, receiving his degree in finance. He currently holds the designations of Certified Investment Management Analyst (CIMA®) and Certified Financial Planner (CFP®). In order to better serve his clients, Tod’s certifications allow him to stay at the leading edge of the financial industry.
Tod and his team work closely with their clients to help define objectives, explore alternatives, and choose the financial and investment strategies most appropriate. They service clients all over the world; an opportunity that not only broadens Tod’s perspective, but also gives him a more in-depth, global view of investing and financial planning – a unique perspective in the industry.
Tod has lived in Fairhope, AL for over 20 years. When out of the office, Tod enjoys spending time with his wife, Lisa, children, Mills and Emery, and their three dogs, Pearl, Porter and Minnie. He also enjoys golfing, fishing, and hunting with Lisa and their dogs.
Growing up in Baton Rouge, LA, Tod put himself through college and attended Louisiana State University, receiving his degree in finance. He currently holds the designations of Certified Investment Management Analyst (CIMA®) and Certified Financial Planner (CFP®). In order to better serve his clients, Tod’s certifications allow him to stay at the leading edge of the financial industry.
Tod and his team work closely with their clients to help define objectives, explore alternatives, and choose the financial and investment strategies most appropriate. They service clients all over the world; an opportunity that not only broadens Tod’s perspective, but also gives him a more in-depth, global view of investing and financial planning – a unique perspective in the industry.
Tod has lived in Fairhope, AL for over 20 years. When out of the office, Tod enjoys spending time with his wife, Lisa, children, Mills and Emery, and their three dogs, Pearl, Porter and Minnie. He also enjoys golfing, fishing, and hunting with Lisa and their dogs.
Securities Agent: GA, FL, AK, WI, MN, KS, DE, CO, ID, OK, LA, AL, RI, NV, CA, WA, PA, NY, NJ, MI, KY, CT, NC, VA, TN, NM, ME, MA, SC, MT, MS, MO, WY, OH, IL, AZ, AR, TX, HI, VT, PR, UT, ND, IN, VI, OR, WV, SD, NH, DC, MD, IA, NE; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253202
NMLS#: 1253202
About Leonardo D Silva
An investment professional in the industry since 2000, Leonardo started his career in financial services with Merrill Lynch in Rio de Janeiro, Brazil prior to moving to the United States and joining The DFD Group. Born and raised in Rio de Janeiro, Brazil, Leonardo attended the Universidade Federal do Rio de Janeiro where he received his BA in Economics. Studying in Brazil and working within the different economies has provided Leo with an excellent understanding and grasp of international financial markets.
Leonardo spearheads individual investment selection for The DFD Group, serving as Senior Vice President at Morgan Stanley.
He currently resides in Fairhope, AL with his wife, Dana, and stepson, Taylor. While out of the office, Leonardo enjoys traveling, playing tennis, and spending time with family and friends.
Leonardo spearheads individual investment selection for The DFD Group, serving as Senior Vice President at Morgan Stanley.
He currently resides in Fairhope, AL with his wife, Dana, and stepson, Taylor. While out of the office, Leonardo enjoys traveling, playing tennis, and spending time with family and friends.
Securities Agent: GA, LA, NV, ME, KY, DE, AL, WI, MO, CT, AK, MS, MA, IL, AZ, WA, TX, SC, OH, NM, KS, CA, TN, MN, CO, NY, NJ, FL, WY, VA, OK, AR, RI, PA, NC, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265042
NMLS#: 1265042
About Francisco D D'Oliveira
An experienced Financial Advisor since 2001, Francisco began his career in the financial services industry at Merrill Lynch. In 2010, Francisco, along with The DFD Group, joined Morgan Stanley to take full advantage of the highly-ranked global research and breadth of resources available within the firm. An integral member of the DFD Group, Francisco creates, implements, and maintains retirement plans for businesses, and develops customized tax and estate strategies for his team’s retirees. In order to better serve his clients and stay at the leading edge of the financial industry, Francisco holds the designations of Chartered Retirement Planning Counselor (CRPC®) and Certified Financial Planner (CFP®).
In addition to developing and deepening relationships with his clients, Francisco runs operations for the DFD Group, drives the cash management services, supports and implements Morgan Stanley’s expansive digital offerings, and now acts as the Branch Manager of Morgan Stanley’s Mobile and Fairhope Branches, where he encourages and oversees the branch's Financial Advisors and their support teams.
Though born in Brazil, Francisco grew up in Mobile, AL and graduated from The University of Georgia with a Bachelor’s Degree in Banking and Finance. A dual citizen of US and Brazil, Francisco embodies a more global view of investing and financial planning – a unique perspective in the industry. He now lives in Fairhope, AL with his wife, Amanda, and their son, Sergey.
Series 66, Series 7, Series 9, Series 10, Series 31, Wealth Management, Retirement Planning, Asset allocation, Cash Management and Lending Solutions
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
In addition to developing and deepening relationships with his clients, Francisco runs operations for the DFD Group, drives the cash management services, supports and implements Morgan Stanley’s expansive digital offerings, and now acts as the Branch Manager of Morgan Stanley’s Mobile and Fairhope Branches, where he encourages and oversees the branch's Financial Advisors and their support teams.
Though born in Brazil, Francisco grew up in Mobile, AL and graduated from The University of Georgia with a Bachelor’s Degree in Banking and Finance. A dual citizen of US and Brazil, Francisco embodies a more global view of investing and financial planning – a unique perspective in the industry. He now lives in Fairhope, AL with his wife, Amanda, and their son, Sergey.
Series 66, Series 7, Series 9, Series 10, Series 31, Wealth Management, Retirement Planning, Asset allocation, Cash Management and Lending Solutions
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: ME, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, VT, VI, NH, ID, IA, HI, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY, MI, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255431
NMLS#: 1255431
About Sarah K. Unfried
Sarah joined Morgan Stanley’s Lexington, KY branch in 2018 as a Client Service Associate and obtained her series 7 and 66 security licenses. She relocated to Fairhope, AL in 2021 and transitioned into the role of a Financial Advisor with The DFD Group.
Sarah also serves as the team’s Financial Planning Specialist. She works with The DFD Group to highlight the importance that financial planning has on clients comprehensive investment goals. She provides personalized planning that encompasses all phases of life which includes continuous follow up, monitoring and modifying everyone’s plans to fit specific needs.
Sarah graduated from the University of Kentucky in three years, with a Bachelor of Science in Finance. She lives in Fairhope, AL with her husband, Gant, and their dogs, Petunia and Rosie. Outside of the office, Sarah enjoys running, playing mahjong, and serving as the Alabama Free Clinic Board President.
Sarah also serves as the team’s Financial Planning Specialist. She works with The DFD Group to highlight the importance that financial planning has on clients comprehensive investment goals. She provides personalized planning that encompasses all phases of life which includes continuous follow up, monitoring and modifying everyone’s plans to fit specific needs.
Sarah graduated from the University of Kentucky in three years, with a Bachelor of Science in Finance. She lives in Fairhope, AL with her husband, Gant, and their dogs, Petunia and Rosie. Outside of the office, Sarah enjoys running, playing mahjong, and serving as the Alabama Free Clinic Board President.
Securities Agent: WY, WI, KS, FL, PA, MS, NY, VA, NV, ME, LA, IL, AR, SC, RI, MI, AK, OK, OH, MO, MN, DE, AL, NJ, NC, KY, AZ, TX, MA, GA, CT, CO, WA, TN, NM, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2211637
NMLS#: 2211637
About William Dorriety
Greg has approached the practice of wealth management for the past 20 years by helping to create a customized strategies and solutions based on the clients’ long-term goals and objectives.
Greg holds the CERTIFIED FINANCIAL PLANNER™ designation as well as the CFA® - Chartered Financial Analyst® designation. Earning the CFA® is a highly selective process whereas fewer than one in five candidates become a CFA® charter holder. He earned a Master of Science degree in Personal Financial Planning at the College for Financial Planning in Denver, CO in 2011 and Master of Science Degree in Investment Management and Financial Analysis at Creighton University in Omaha, NE in 2016. He also earned a B.S. in Chemical Engineering at Auburn University in Auburn, AL in 1984.
In his free time, Greg enjoys fly fishing, golf, reading non-fiction, cooking and donating his time to Rotary International and the United States Naval Academy. Greg and his wife Donna life in Fairhope, Alabama and have two children Will, Lieutenant Commander, United States Navy Submarine Force, Elizabeth, deceased and three grandchildren, Jack, Joanna, and Max.
Greg holds the CERTIFIED FINANCIAL PLANNER™ designation as well as the CFA® - Chartered Financial Analyst® designation. Earning the CFA® is a highly selective process whereas fewer than one in five candidates become a CFA® charter holder. He earned a Master of Science degree in Personal Financial Planning at the College for Financial Planning in Denver, CO in 2011 and Master of Science Degree in Investment Management and Financial Analysis at Creighton University in Omaha, NE in 2016. He also earned a B.S. in Chemical Engineering at Auburn University in Auburn, AL in 1984.
In his free time, Greg enjoys fly fishing, golf, reading non-fiction, cooking and donating his time to Rotary International and the United States Naval Academy. Greg and his wife Donna life in Fairhope, Alabama and have two children Will, Lieutenant Commander, United States Navy Submarine Force, Elizabeth, deceased and three grandchildren, Jack, Joanna, and Max.
Securities Agent: MA, KY, IL, CT, TX, RI, ME, AR, AK, TN, SC, NY, NJ, MN, FL, VA, AL, OK, NV, MI, OH, AZ, CA, NM, KS, GA, DE, PA, CO, WY, WI, WA, NC, MO, LA, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2607089
NMLS#: 2607089
About Dominque Sanders
Dominque joined The DFD Group at Morgan Stanley in 2015. She is a Portfolio Associate and holds her Series 7 and 66 licenses.
A consummate professional, Dominque is often the first line of contact for clients. Dominque’s attention to detail and commitment to going the extra mile for clients is an essential component of the firm's overall service.
Dominque currently lives in Daphne, AL with her teenage son and enjoys listening to music and cooking in her free time.
A consummate professional, Dominque is often the first line of contact for clients. Dominque’s attention to detail and commitment to going the extra mile for clients is an essential component of the firm's overall service.
Dominque currently lives in Daphne, AL with her teenage son and enjoys listening to music and cooking in her free time.
Contact Tod E Frick
Contact Leonardo D Silva
Contact Francisco D D'Oliveira
Contact Sarah K. Unfried
Contact William Dorriety
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
Debbie Booth
Senior Private Banker
Whitney Syme
Associate Private Banker
About Debbie Booth
Debbie Booth is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Alabama, Arkansas, and Florida.
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.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
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.
Debbie began her career in financial services in 1987 and joined Morgan Stanley in 2010 as a Senior Private Banker. Prior to joining the firm, she held many roles including Wealth Management Banker, Banking Center Manager, and Retail Mortgage Manager at Bank of America/Merrill Lynch.
Debbie and her family reside in Gulf Breeze, Florida. She is an active member of the community by volunteering her time with March of Dimes, Women’s Build with Habitat for Humanity and Manna Food Bank. When not in the office, she enjoys watching football, going to the beach, and spending time with her family.
NMLS#: 801310
About Whitney Syme
Whitney Syme is an Associate Private Banker serving Morgan Stanley
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
NMLS#: 2277780
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, 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
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
Wealth Management
Global Investment Office
Portfolio Insights
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
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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 DFD 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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4Morgan 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
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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*.
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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.
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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.
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Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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 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
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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.
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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.
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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), 3582895 (6/2024)
