David Jack, CEPA®
Senior Vice President, Wealth Management, Wealth Advisor
Phone:
(201) 967-6207(201) 967-6207
The Legato Group at Morgan Stanley
Direct:
(201) 967-6207(201) 967-6207
Our Mission Statement
The term ‘legato’ is an Italian musical term that means “tied together”. David and Matt are both musicians, and we couldn’t think of a better term to symbolize our approach to working with our client family.
We look to tie together various aspects of our client’s lives. From a disciplined investment approach and driven by an overall financial plan, our goal is to educate and empower our clients to make smart financial decisions and to simplify complicated issues.
We look to tie together various aspects of our client’s lives. From a disciplined investment approach and driven by an overall financial plan, our goal is to educate and empower our clients to make smart financial decisions and to simplify complicated issues.
Our Guiding Principles
Planning is important - to be a light to help guide you through uncertain times
Advice should be timely - to keep you on track, and give you realistic future expectations
Understanding who you are is our priority - to listen to your concerns, and give you practical advice on how to move forward
Educated clients are our best clients - to help you understand the countless variables that affect your financial well-being and what steps to take to avoid potential roadblocks
Integrity is paramount - making suggestions based on what is best for you and your family, not for us
Keeping it simple is crucial - to present practical solutions in simple terms, and assure you're comfortable with the strategies you're invested in
Service is the only aspect of our business we can control - to deliver exceptional service and respond in a timely manner
Managing risk should be done prudently - to make sure your investments are aligned with your risk tolerance
Advice should be timely - to keep you on track, and give you realistic future expectations
Understanding who you are is our priority - to listen to your concerns, and give you practical advice on how to move forward
Educated clients are our best clients - to help you understand the countless variables that affect your financial well-being and what steps to take to avoid potential roadblocks
Integrity is paramount - making suggestions based on what is best for you and your family, not for us
Keeping it simple is crucial - to present practical solutions in simple terms, and assure you're comfortable with the strategies you're invested in
Service is the only aspect of our business we can control - to deliver exceptional service and respond in a timely manner
Managing risk should be done prudently - to make sure your investments are aligned with your risk tolerance
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Legato Group Process
Our wealth management strategy is centered around you, your family, and your profession - where you are now and where you want to be in the future. We provide the structure to help you get there. Check out my process below
1. Discovery Process
Where we invest the time to learn about you and your family, your assets and liabilities, and your risk exposures, which enables us to formulate strategies and customize the relationship to your needs.
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.
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.
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.
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.
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 needs.
Equity Compensation & Concentrated Stock
You may be considering tax-wise methods of diversification as a business insider with concentrated stock. As a result of constrained trading windows, you might also need liquidity for real estate acquisitions or tax obligations before it's feasible to purchase stock.
We customize our all-inclusive wealth management method to help busy professionals navigate the intricate issues surrounding their stock ownership, taking into account current liquidity demands and tax optimization to build a long-term diversification strategy.
We customize our all-inclusive wealth management method to help busy professionals navigate the intricate issues surrounding their stock ownership, taking into account current liquidity demands and tax optimization to build a long-term diversification strategy.
Restricted Stock
RSUs can be complex. You are awarded ownership of the company that vests at specified points in your tenure at the firm you now partially own. If/when you choose to sell, you remain responsible for associated taxes. I want to help you navigate the complexities of your vesting schedule, firm tenure, and the decision to hold or sell.
Watch This Video to Learn More
Stock Options
Options are a hot topic in financial services, but to newcomers, they can be difficult to wrap your head around. They are a unique strategy to grow your income, but need to fit within your broader strategy. We can discuss that high level strategy to achieve your goals based on your investment preferences and comfort. In this conversation, we can decide if stock options are right for you.
Watch This Video to Learn More
10b5-1 Plans
For executives who want the freedom to sell through open and closed windows, whether at market or predetermined limit prices, 10b5-1 plans are preset diversifications. A written trading strategy called the 10b5-1 plan, which is approved by legal counsel and carried out by a third party, offers business insiders an affirmative defense against accusations of insider trading.
Learn More About 10b5-1 Plans
Exchange Funds
Exchange Funds offer tax-deferred diversification without producing the taxable gains generally associated with diversification because the exchange occurs inside a tax-deferred vehicle that has been permitted by the IRS. By building a targeted portfolio for Exchange Funds, portfolio managers are able to ensure that each contributor of concentrated stock will finally receive a pro-rata allocation of the portfolio while keeping their original basis.
Learn More About Exchange Funds
Donor Advised Funds
Donor advised funds are among the easiest and most
tax-advantaged ways to give to charity for donors across the spectrum of wealth.While many individuals and
families have a deep commitment to philanthropy, charitable giving is not limited to
those with significant wealth. One of the highest human desires is charitable giving, which is embedded in the cultures among many organizations, nations, and society.
Learn More About Portfolio Linestax-advantaged ways to give to charity for donors across the spectrum of wealth.While many individuals and
families have a deep commitment to philanthropy, charitable giving is not limited to
those with significant wealth. One of the highest human desires is charitable giving, which is embedded in the cultures among many organizations, nations, and society.
Equity Compensation 101
When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it's important to understand the details and how it fits into your financial plan.
Click Here to Learn More
Employee Stock Purchase Plans (ESPP)
The discounts offered in ESPPs can be attractive, but the decision to get involved is a big one, that we can navigate together. We first want to assess how your company calculates the discount and how the purchase schedule can affect your investment. We want to think this through because, once your securities are your own, if you decide to sell, you may have taxable income equal to that discount.
Watch This Video to Learn More
Evaluating Readiness
Create goals-based financial plan to determine the income you will need to support your business and lifestyle. We want to make sure you have a formal valuation of your business conducted and determine whether after-tax proceeds can meet sale income needs.
Learn More
Pre-Monetization Preparation
Examine Different Monetization paths and develop a plan for managing post-transactions liquidity
Monetization Planning
Transaction Execution
Aim to identify well- capitalized buyers willing to fund growth and who seek market entry or market share, new technology or other competitive advantage through acquisition.
Post-Liquidity Planning
Implement A customized wealth management plan that encompasses investment strategy, liability management and multi generational legacy considerations
Morgan Stanley Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to invest directly, or buy and sell shares of private companies.
Location
61 South Paramus Road
3rd Floor
Paramus, NJ 07652
US
Direct:
(201) 967-6207(201) 967-6207
Meet The Legato Group
Matthew Jack, CEPA®, CFP®
Associate Vice President, Wealth Management, Wealth Advisor
Phone:
(201) 967-6236(201) 967-6236
About David Jack
As the managing partner of The Legato Group, David works closely with business owners utilizing advanced planning techniques to help guide them through various stages of their life cycle. His approach working with entrepreneurs is to take the time to understand their goals and to work with them to achieve their desired exit strategy.
Their father-son team guides clients through a comprehensive process of planning, preparing and navigating ownership transitions, all aligned with their personal, financial and business goals. Since business owners typically reinvest most of their wealth back into their company while in operation, the sale of the business will be one of the biggest liquidity events of their lives and one that needs to be done correctly.
As a Certified Exit Planning Advisor®, David's goal is to connect business owners with the right professionals and resources that can help navigate the various aspects of a transition. Having been an entrepreneur, David understands the needs and complexities that private business owners often face. Prior to his work in wealth management, he has owned and operated three private businesses in the manufacturing, telecommunications, and publishing industries.
Their father-son team guides clients through a comprehensive process of planning, preparing and navigating ownership transitions, all aligned with their personal, financial and business goals. Since business owners typically reinvest most of their wealth back into their company while in operation, the sale of the business will be one of the biggest liquidity events of their lives and one that needs to be done correctly.
As a Certified Exit Planning Advisor®, David's goal is to connect business owners with the right professionals and resources that can help navigate the various aspects of a transition. Having been an entrepreneur, David understands the needs and complexities that private business owners often face. Prior to his work in wealth management, he has owned and operated three private businesses in the manufacturing, telecommunications, and publishing industries.
Securities Agent: NY, NH, KS, CT, VA, WI, NJ, NV, MI, FL, DE, CO, AZ, WA, OH, MA, TX, CA, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2211629
NMLS#: 2211629
About Matthew Jack
Matt is part of The Legato Group with his father, David. Their team places a strong emphasis on planning by taking a comprehensive 360-degree view of their client's lives. By aligning their business, financial and personal goals and understanding what is most important to their clients, they are better positioned to offer practical advice to help achieved the optimal desired outcome.
He focuses on working with executives at private companies pre-IPO. One of the biggest questions for employees at private companies with concentrated wealth is figuring out when and in what order their equity should be liquidated. From holding requirements, tax implications and balancing the time value of options, things can get complicated quickly. Our advanced analytics and tools are some of the best in the industry, and Matt seeks to provide creative solutions to help employees liquidate private company stock and diversify into other types of investments
Matt graduated from the University of Vermont and is actively involved with the Alumni Association. He is a Past President of the Estate Planning Council of Bergen County. Outside of work, he enjoys gardening, going on hikes with his family and two labs, attending concerts as well as playing guitar and drums.
He focuses on working with executives at private companies pre-IPO. One of the biggest questions for employees at private companies with concentrated wealth is figuring out when and in what order their equity should be liquidated. From holding requirements, tax implications and balancing the time value of options, things can get complicated quickly. Our advanced analytics and tools are some of the best in the industry, and Matt seeks to provide creative solutions to help employees liquidate private company stock and diversify into other types of investments
Matt graduated from the University of Vermont and is actively involved with the Alumni Association. He is a Past President of the Estate Planning Council of Bergen County. Outside of work, he enjoys gardening, going on hikes with his family and two labs, attending concerts as well as playing guitar and drums.
Securities Agent: VA, DE, NH, WA, FL, KS, PA, MI, NJ, CT, MA, OH, NY, AZ, CO, TX, NV, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 647588
NMLS#: 647588
Contact David Jack
Contact Matthew Jack
Wealth Management
Global Investment Office
Portfolio Insights
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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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Legato 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6Morgan 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.
7Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6Morgan 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.
7Morgan 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.
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)