Our Story and Services

The insight you use to achieve your goals can make a difference when it comes to your financial future. That’s why at Morgan Stanley, we emphasize that Advice Matters. From personalized wealth planning to offering a suite of investment options, cash management and lending, as well as online services—all underpinned by the Firm’s insights, global scope and core values.

This is the value we bring to the relationship—working hand-in-hand with you through market and life challenges—to help keep you on track with your goals.

Our vision is to provide unbiased strategies for your investment needs. Our experienced financial advisors provide unbiased advice and support that will help you:
  • Integrate your tax, estate, and investment affairs
  • Gain exposure to a wider range of investments options
  • Keep all your investments information together in one easy-to-access place
  • Save valuable time and energy
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Planning Deep Dive

Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass 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.

At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.

Leveraging a sophisticated suite of analytic tools, as well as extensive resources of Morgan Stanley, we can help you take charge of your financial future and achieve your goals. Below, we have provided some links that will introduce you to a few tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
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    Goals Planning System
    Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
    Start Planning Now
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    LifeView - Intelligent Planning
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
    Complete Questionnaire Here
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    Aladdin - Intelligent Risk Management
    There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.

    Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
    Learn More Here
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    Strategy - Intelligent Withdrawals
    Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.

    The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
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    Spending and Budgeting Tool
    One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
    Start Using the Tool Today

Our Process: Focused On You

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    Step 1: Discovery Process
    Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
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    Step 2: Formulation of Tax, Trust and Estate Strategy
    Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
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    Step 3: Creation of Customized Strategic Asset Allocation
    Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
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    Step 4: Integration of Tactical Asset Allocation
    Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
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    Step 5: Implementation of a Customized Wealth Strategy
    After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
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    Step 6: Ongoing Assessment
    In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family need.

Tools for clients like you to leverage

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    Morgan Stanley Online (MSO)
    Allows you to conveniently and securely manage your account online or on your mobile device.
    To learn more and to log in, click here
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    Morgan Stanley Mobile App
    Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
    To learn about the mobile capabilities and how to get the app, click here
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    E-Authorization
    With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
    To sign up for e-authorization, log into MSO
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    E-Sign
    E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
    Click here to learn how to sign up
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    E-Delivery
    E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
    To learn more, click here
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    Digital Vault
    The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
    To learn more, watch this video
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    Total Wealth View
    The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
    To learn more, click here
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    Goals Planning Systen
    GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
    To learn more, watch this video

Key Life Events

The Frontier Group makes it his mission to ensure you're covered in virtually all fronts. We can serve as your go-to advisors when it comes to key life events. For better assistance, please contact a Frontier Group financial advisor.
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    Goal Planning System (GPS)
    Many people put off thinking about the future. You can get a head start on key life stages. The Goal Planning System is dynamic and adaptive, setting your goals according to your needs. Learn about the GPS process and how it can help you build a prosperous future.
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    Life Insurance
    Insurance is a way of purchasing protection against the unexpected. A sound wealth plan involves more than seeking returns. Mitigating and managing risk plays a vital role in creating a robust plan. Understanding different types of insurance is the first step to deciding what's right for you.
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    Lending
    Morgan Stanley is the right firm to consult with for any lending needs. Morgan Stanley can provide qualified clients with financing solutions for almost any personal or business need. From funding your business to funding your child's education, you can rest assured that The Frontier Group can find the right solution for you.
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    Tax Strategies
    Smart tax planning can help you save more for retirement and keep more of what you've already saved. Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Allow Lee to be part of your team to help with appropriate strategies.
    Tax Strategies

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

61 South Paramus Road, 3rd
Fl
Paramus, NJ 07652
US
Direct:
(201) 967-6266(201) 967-6266
Toll-Free:
(800) 526-0829(800) 526-0829

Meet The Frontier Group

Photo of Susan Witt

Susan Witt

Assistant Vice President, Wealth Management Associate
Phone:
(201) 967-6288(201) 967-6288

About William Burns

Bill graduated in 1991 from the College of New Jersey with a BS in Accounting. He began his career as an accountant, became a licensed CPA, and worked as a senior auditor for a big five accounting firm (he no longer gives tax advice). Having a desire to help people achieve their financial goals and dreams, he joined Morgan Stanley in 1998 and obtained the CERTIFIED FINANCIAL PLANNER™ designation. He has dedicated his career to helping families and companies design, implement and manage effective financial plans.

Bill and his wife Jennifer, live in Ramsey, NJ, along with their three children.  They enjoy volunteering their time to support the Ramsey Public Schools and Charities that support individuals with Down Syndrome.

Jennifer serves as a Trustee on the Ramsey Board of Education. Bill serves as Vice President of the Wyckoff YMCA’s Board of Directors, working on both the Finance and Special Needs committees.  This work includes the annual Buddy Walk for special needs children of which Bill has walked as Chairperson alongside his daughter who has Down Syndrome.
Professional Details

Bill has been apart of the Master's Club since 2017

1998 - Present: Morgan Stanley
Senior Vice President
CERTIFIED FINANCIAL PLANNER
Investment Management Consultant
Financial Advisor
Paramus, NJ
 
1996 - 1998: Arthur Anderson
Senior Auditor
New York, NY

1993 - 1996: Leslie Sufrin & Co
Senior Auditor
New York, NY

1992 - 1993: United Jersey Bank
Internal Auditor
Hackensack, NJ

Became a licensed CPA in 1995

BS - Accounting, 1991 The College of New Jersey

Series 7 - General Securities Representative

Series 31 - Managed Futures & Commodities

Series 63 - Uniform State Exam

Series 65 - Investment Advisory Agent

Series 9 & 10 Supervisory

Annuity, Health & Life Insurance Licensed
Securities Agent: CT, VI, OR, NJ, SC, NY, VA, TX, PA, OH, MO, LA, IL, AZ, AL, WI, DE, DC, MD, WA, MT, CO, AR, OK, MA, GA, FL, NV, NC, UT, MI, HI, NH, VT, TN, NM, CA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262284
CA Insurance License #: 0F79015

About John Mamone Sr.

John graduated from St. Peter’s College in 1967 with a BS in Industrial Management. After serving two years as an Army Officer in Korea, he began his financial career with Merrill Lynch before moving on to Lehman Brothers Inc. He joined Morgan Stanley in 1985, where he has focused on equity investing.

He and his wife, Lynda, live in Franklin Lakes, NJ, where they raised their three sons, Gordon, Mark and John Jr. (’87). John enjoys playing golf and travelling during his free time.

Professional Details
1985 - Present: Morgan Stanley
First Vice President
Financial Advisor
1977 - 1985: Lehman Brothers
Financial Advisor
1971 - 1977: Merrill Lynch
Financial Advisor
1968 – 1970: Korea
1st LT

BS - Industrial Management, 1967 St. Peter's College
Series 1 - General Securities Representative
Series 7 - General Securities Representative
Series 63 - Uniform State Exam
CBOE Options License
Annuity, Health & Life Insurance Licensed
Financial Planning Specialist Designation
Securities Agent: NJ, ID, VT, NV, FL, CT, VA, UT, OR, OH, DC, CA, VI, PA, MT, AZ, TN, NM, NC, MS, MA, GA, DE, AL, TX, NY, CO, SC, MI, MD, IL, WI, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1265157
CA Insurance License #: 4205968

About Brian Burns

Brian graduated from The College of New Jersey with a BS in Accounting in 1998. He started his career at Arthur Andersen, where he worked for 3 years as a senior auditor, performing quarterly and annual audits for leasing, insurance, and banking clients (he no longer gives tax advice). He then went on to work for UBS Securities for 14 years, where he worked in various roles for a proprietary fixed income desk, including controller, trading assistant, risk manager, portfolio manager, and trader. In 2016, he started constructing comprehensive and fine-tailored financial plans for professional, medical, and corporate executive clients at Morgan Stanley.

Brian and his wife, Dr. Tali Burns, live in Ramsey, NJ, along with their two daughters Cameron and Clare.

Professional Details
2016 - Present: Morgan Stanley
Financial Advisor
Paramus, NJ
2001 - 2015: UBS Securities LLC
ABS Trader
New York, NY
1998 - 2001: Arthur Andersen LLP
Senior Auditor
Roseland, NJ
BS - Accounting, 1998 The College of New Jersey
Series 7 - General Securities Representative

Series 63 - Uniform State Exam

Series 66 - Uniform Combined State Law
Annuity, Health & Life Insurance Licensed
Securities Agent: AR, CA, CO, CT, DC, DE, FL, GA, IL, IN, KY, LA, MA, MD, MI, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TX, UT, VA, VI, VT, WA, WI, AL, AZ, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1510427
CA Insurance License #: 4205643

About Susan Witt

After attending North Eastern University, Susan began her financial services career in 1993 with Morgan Stanley in the tax reporting department. After realizing her passion for helping clients directly, she was promoted to the Senior Registered Associate position. Because of her resourcefulness, attention to detail, and her ability to build and maintain strong client relationships, the Frontier Group invited her to join them in 2016. Susan is cheerful, patient and kind. She is responsible for all administrative duties, but takes the greatest pleasure in getting to know the individuals and families the team services while providing them with professional, concierge-level service.

Susan enjoys spending time with her husband, John and their two children, Brianna and Frankie, where they reside in Sloatsburg, New York.

Professional Details
2016-Present: Morgan Stanley
Senior Registered Associate
2013-2016 Merrill Lynch
Senior Registered Client Service Associate
2013-2013 UBS Financial Services
Senior Registered Client Service Associate
1993-2013 Morgan Stanley Smith Barney
Senior Registered Client Service Associate
Series 7 General Securities Representative
Series 66 Uniform State Exam/Investment Advisory
Annuity, Health & Life Insurance Licensed

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
Photo of Don Janevski

Don Janevski

Private Banker
Photo of Lucas Cervelli

Lucas Cervelli

Planning Associate

About Don Janevski

Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.

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.

Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.

Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095

About Lucas Cervelli

Lucas Cervelli is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Lucas provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.

He earned his undergraduate degree from The College of New Jersey and received the Financial Planning Specialist® designation from the College for Financial Planning. Lucas is originally from Hunterdon County, New Jersey and currently resides in Lebanon Township, New Jersey.
Wealth Management
From Our Team

The GIC Weekly

Learn More about The GIC Weekly
View All Documents
Wealth Management
Global Investment Office

Portfolio Insights

Read More about On the Markets
Read "On the Markets"
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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

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
Learn More about Retirement
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
Learn More about Family
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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
Learn More about Philanthropy
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Mosaic

Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
Learn More about Mosaic
A Change of Greenery
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A Change of Greenery

Houseplants add oxygen, flair, and warmth year-round, and the right one in the right space can do just as much for a room as any painting or side table.

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.
Learn More about Financial Wellness
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.

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
Learn More about Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Ready to start a conversation? Contact The Frontier Group today.
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1When 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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan 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

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3Alternative 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.

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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)