Brian T Marshall
Managing Director, Wealth Management, Family Wealth Director, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation
Phone:
(310) 543-0285(310) 543-0285
The Marshall-Darley-Ryan Group at Morgan Stanley
Direct:
(310) 543-0285(310) 543-0285
Toll-Free:
(800) 221-8764(800) 221-8764
Our Mission Statement
Harnessing the specialized skills of our experienced team and a boutique service approach in a family office atmosphere to be your first resource for all money matters and provide you financial peace of mind.
The Marshall-Darley-Ryan Group
The Marshall-Darley-Ryan Group is a full-service team managing $2.4 billion* in client assets by delivering concierge level retirement planning and related financial resources with a personal touch. We were named a 2023-2025 Forbes Best-In-State Wealth Management Team, 2024 Barron's Top 250 Private Wealth Management Team, and 2023 Forbes America’s Top Wealth Management High Net Worth Team. Our team of financial advisors brings an average of 27 years of wealth management experience to every relationship, delivering time-tested advice to guide affluent individuals and families through all market and economic conditions.
We believe success in achieving important financial goals starts with a comprehensive wealth strategy, which we build through a thorough discovery process, and that is supported over the long term by trusting relationships. We will help you define what is most important to you and then formulate the strategies best suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan, or devising a distribution approach that meets your unique lifestyle and legacy goals. We have been through these situations before and can be especially helpful in not only following your plan but managing through the surprises life always seems to throw at us.
Our combined strengths and experience enable us to offer you the services typically reserved for a select few ultra-wealthy families, that brings together discretionary investment management and planning for the future in a way that our clients feel is integrated and thorough. Our services range from establishing financial goals and creating individualized plans to cash management and lending solutions. Our capabilities, which leverage the vast resources of Morgan Stanley, address all types of questions about your money, from choosing alternative investments to implementing a municipal bond allocation or making the most of Social Security.
*as of 2/28/2025
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2024 Barron's Top 250 Private Wealth Management Teams Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
2023 America’s Top Wealth Management Teams High Net Worth Source: Forbes.com (Awarded November 2023). Data compiled by SHOOK Research based on time period from Mar 2022-Mar 2023.
We believe success in achieving important financial goals starts with a comprehensive wealth strategy, which we build through a thorough discovery process, and that is supported over the long term by trusting relationships. We will help you define what is most important to you and then formulate the strategies best suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan, or devising a distribution approach that meets your unique lifestyle and legacy goals. We have been through these situations before and can be especially helpful in not only following your plan but managing through the surprises life always seems to throw at us.
Our combined strengths and experience enable us to offer you the services typically reserved for a select few ultra-wealthy families, that brings together discretionary investment management and planning for the future in a way that our clients feel is integrated and thorough. Our services range from establishing financial goals and creating individualized plans to cash management and lending solutions. Our capabilities, which leverage the vast resources of Morgan Stanley, address all types of questions about your money, from choosing alternative investments to implementing a municipal bond allocation or making the most of Social Security.
*as of 2/28/2025
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2024 Barron's Top 250 Private Wealth Management Teams Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
2023 America’s Top Wealth Management Teams High Net Worth Source: Forbes.com (Awarded November 2023). Data compiled by SHOOK Research based on time period from Mar 2022-Mar 2023.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Divorce Financial AnalysisFootnote7
- Estate Planning StrategiesFootnote8
- Financial PlanningFootnote9
- Lending Products
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Professional Portfolio ManagementFootnote12
- Retirement PlanningFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHAT TO EXPECT
Personalized Portfolios
As Portfolio Managers, we can use our discretion to identify an investment strategy tailored to meet your needs.
Comprehensive Communications
Throughout our relationship, you’ll have direct access to our team.
Client Focus
Each account can be individually customized to meet your requirements for growth, income or preservation of capital within your risk constraints.
Asset-Based Fee
Fees for the program are based on your account’s asset level, not on the number of transactions performed in a given time period.
Our Process
Our wealth management approach focuses on you, your family and your career - where you are today and where you want to go. Working together, we develop the strategies to help you get there, navigating life's challenges and helping you make more informed decisions about your wealth.
We are dedicated to helping you manage your financial life, no matter the complexity of your situation. This partnership begins with a comprehensive financial plan. As one of the top wealth teams at Morgan Stanley, we can take advantage of the firm’s most sophisticated planning technology to develop a long-term roadmap for your future.
We are dedicated to helping you manage your financial life, no matter the complexity of your situation. This partnership begins with a comprehensive financial plan. As one of the top wealth teams at Morgan Stanley, we can take advantage of the firm’s most sophisticated planning technology to develop a long-term roadmap for your future.
1. Discover
Our relationship begins with a thorough understanding of you – your needs, lifestyle, family, risk tolerance and especially your goals for the future. What you want your wealth to do will dictate appropriate investments.
2. Create
Next we design a financial plan based on our understanding of you and current economic conditions. Our goal is to help guide you from where you are now, to where you want to be in the future.
3. Implement
Your custom investment allocation will have the attention of a disciplined portfolio manager. We manage your investments from right here in our office, watching the markets daily for changing risks and opportunities. Adjustments are made as needed based on market cycles and inevitable life changes.
4. Monitor
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards or away from your goals. Our ultimate mission is your financial success and well-being.
OVERVIEW
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of The Marshall-Darley-Ryan Group have received the following industry awards, recognitions, and designations.
Brian Marshall
- Forbes Best-in-State Wealth Advisors 2019-2024
- Family Wealth Designation (FWD): This designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
View My Forbes Profile- Family Wealth Designation (FWD): This designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
Michael Darley
- Forbes Best-in-State Wealth Advisors 2019-2024
- Family Wealth Designation (FWD): This designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
View My Forbes Profile- Family Wealth Designation (FWD): This designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
Kim Cutler
- Forbes Top Women Wealth Advisors Best-In-State 2023-2025
- Forbes Top Next-Gen Wealth Advisors Best-In-State 2023-2024
- Forbes Magazine's 2019 List of America's Top Next Generation Wealth Advisors
View the 2025 Forbes Top Women Wealth Advisors Best-In-State Publication- Forbes Top Next-Gen Wealth Advisors Best-In-State 2023-2024
- Forbes Magazine's 2019 List of America's Top Next Generation Wealth Advisors
Richard Ryan
- Los Angeles Magazine's 2013-2024 Five Star Professional Award Winner
The Marshall-Darley-Ryan Group
- Forbes Best-In-State Wealth Management Teams 2023-2025
- Forbes America’s Top Wealth Management Teams High Net Worth 2023-2024
- Barron's Top 250 Private Wealth Management Teams 2024
View the 2025 Forbes Press Release- Forbes America’s Top Wealth Management Teams High Net Worth 2023-2024
- Barron's Top 250 Private Wealth Management Teams 2024
Disclosures
Forbes Top Women Wealth Advisors Best-In-State 2023-2025 (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Disclosures
2013-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 05/22/2012 - 10/16/2012
2014 Award - 05/22/2013 - 10/16/2013
2015 Award - 05/22/2014 - 10/16/2014
2016 Award - 05/22/2015 - 10/16/2015
2017 Award - 02/25/2016 - 10/24/2016
2018 Award - 03/23/2017 - 10/13/2017
2019 Award - 03/26/2018 - 10/16/2018
2020 Award - 03/1/2019 - 10/25/2019
2021 Award - 03/30/2020 - 10/9/2020
2022 Award - 03/29/2021 - 10/1/2021
2023 Award - 03/28/2022 - 09/23/2022
2024 Award - 2/13/23 - 8/31/23
2023-2024 Forbes America's Top Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Barron's Top 250 Private Wealth Management Teams
Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 05/22/2012 - 10/16/2012
2014 Award - 05/22/2013 - 10/16/2013
2015 Award - 05/22/2014 - 10/16/2014
2016 Award - 05/22/2015 - 10/16/2015
2017 Award - 02/25/2016 - 10/24/2016
2018 Award - 03/23/2017 - 10/13/2017
2019 Award - 03/26/2018 - 10/16/2018
2020 Award - 03/1/2019 - 10/25/2019
2021 Award - 03/30/2020 - 10/9/2020
2022 Award - 03/29/2021 - 10/1/2021
2023 Award - 03/28/2022 - 09/23/2022
2024 Award - 2/13/23 - 8/31/23
2023-2024 Forbes America's Top Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Barron's Top 250 Private Wealth Management Teams
Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Disclosures
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Forbes Top Next-Gen Wealth Advisors Best-In-State 2023-2024 (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2019-2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Forbes Top Next-Gen Wealth Advisors Best-In-State 2023-2024 (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2019-2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
We believe that education is an important aspect of your financial planning experience. We are committed to providing you with important information about managing your wealth more effectively.
Saving for Education
Higher-education costs are rising quickly. Learn how a 529 can help you save for college and other related costs.
529 Plans: A Powerful Tool to Save for Education Expenses
Talking to Kids About Money
Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.
A Parent's Guide to Talking to Your Kids About Money
Retirement Plan Decisions When Leaving a Job
You have several choices for what to do with your qualified retirement plan when you leave a job. Deciding among them is an important step in managing your retirement savings over time.
Understanding Your Retirement Plan Options When You Leave a Job
Protecting Your Online Security
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Cybersecurity Resources
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Access the 2024 income tax tables
Personal Finance
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. Learn from Morgan Stanley thought leaders about how to manage your wealth and help meet your personal financial goals.
See Insights on Personal FinanceLocation
21250 Hawthorne Blvd
Ste 650
Torrance, CA 90503
US
Direct:
(310) 543-0285(310) 543-0285
Toll-Free:
(800) 221-8764(800) 221-8764
21650 Oxnard Street
Suite 1800
Woodland Hills, CA 91367
US
Direct:
(818) 715-1805(818) 715-1805
Meet The Marshall-Darley-Ryan Group
Michael M Darley
Managing Director, Wealth Management, Family Wealth Director, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation, Alternative Investments Director
Phone:
(818) 715-1805(818) 715-1805
Kim I Cutler, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist, Workplace Advisor – Equity Compensation
Phone:
(310) 543-0248(310) 543-0248
First Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(818) 715-1894(818) 715-1894
Steve Colato
Assistant Vice President, Wealth Management Associate
Phone:
(818) 715-1891(818) 715-1891
Joe Valenzuela, CFP®
Assistant Vice President, Portfolio Management Associate
Phone:
(310) 543-0233(310) 543-0233
Katelyn Carter
Wealth Management Associate
Phone:
(310) 543-0235(310) 543-0235
Mary Solares
Client Service Associate
Phone:
(310) 543-0232(310) 543-0232
About Brian T Marshall
Brian T. Marshall is co-founder of The Marshall-Darley-Ryan Group at Morgan Stanley. A seasoned professional with more than 24 years of experience, Brian’s clients include financially successful individuals, multi-generational families and small business owners in the Los Angeles and surrounding areas.
Throughout college at California Lutheran University, Brian worked as an intern at Dean Witter’s Woodland Hills office. It was this experience that confirmed his desire to build a fulfilling career in the financial services industry. Upon receiving his B.S. degree in business administration, he joined the firm (which later merged with Morgan Stanley) as a full-time Financial Advisor and has been guiding clients ever since.
As a Managing Director and Senior Portfolio Management Director at Morgan Stanley, Brian is well versed in the equity and fixed income markets. As a Family Wealth Director, he brings experience and exclusive solutions to help meet the complex needs of ultra-high net worth families across multiple generations. He advises his clients on how to effectively grow, protect and transition their wealth, and strives to become a valued advisor in their lives. He takes great pride in helping his clients oversee and manage their finances, so they may enjoy the wealth they have created.
A native of California, Brian grew up in Thousand Oaks and now lives in Palos Verdes Estates with his wife, Kimberly, and their two young daughters, Madeline and Makenna. For the past 15 years, he has helped raise over $130,000 for Children’s Hospital of Los Angeles through annual fundraising events. Brian played soccer for California Lutheran University, and now enjoys sharing his knowledge with his daughter’s team as an AYSO coach. In his free time, he loves being with his family, whether at the beach or hiking and camping.
Throughout college at California Lutheran University, Brian worked as an intern at Dean Witter’s Woodland Hills office. It was this experience that confirmed his desire to build a fulfilling career in the financial services industry. Upon receiving his B.S. degree in business administration, he joined the firm (which later merged with Morgan Stanley) as a full-time Financial Advisor and has been guiding clients ever since.
As a Managing Director and Senior Portfolio Management Director at Morgan Stanley, Brian is well versed in the equity and fixed income markets. As a Family Wealth Director, he brings experience and exclusive solutions to help meet the complex needs of ultra-high net worth families across multiple generations. He advises his clients on how to effectively grow, protect and transition their wealth, and strives to become a valued advisor in their lives. He takes great pride in helping his clients oversee and manage their finances, so they may enjoy the wealth they have created.
A native of California, Brian grew up in Thousand Oaks and now lives in Palos Verdes Estates with his wife, Kimberly, and their two young daughters, Madeline and Makenna. For the past 15 years, he has helped raise over $130,000 for Children’s Hospital of Los Angeles through annual fundraising events. Brian played soccer for California Lutheran University, and now enjoys sharing his knowledge with his daughter’s team as an AYSO coach. In his free time, he loves being with his family, whether at the beach or hiking and camping.
Securities Agent: UT, CA, TX, AZ, OK, NC, MN, MD, GA, NM, MT, WY, WI, TN, SC, OH, NY, NV, LA, KY, ID, IA, HI, DE, AR, OR, NJ, MA, MS, SD, IL, WA, VA, MI, FL, DC, PA, NE, ME, CO, RI, NH, MO, KS, CT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282554
CA Insurance License #: 0D18385
NMLS#: 1282554
CA Insurance License #: 0D18385
About Michael M Darley
Michael M. Darley is co-founder of The Marshall-Darley-Ryan Group at Morgan Stanley. As a Wealth Advisor Manager with over 24 years of experience, Michael provides customized advice to affluent individuals, families, and business owners.
After attending San Diego State University, Michael became a Financial Advisor at Dean Witter, which eventually became part of Morgan Stanley. Michael has been committed to advanced learning – for himself and his clients. In 2014, he was accredited as Senior Portfolio Management Director at Morgan Stanley and is now among a select group of advisors who are qualified to directly manage client assets. Michael is also a Family Wealth Director, with dedicated training in estate planning, lending, hedging, philanthropy, and business succession planning strategies, and an Alternative Investments Director, reflecting his experience incorporating alternatives into client portfolios. In 2023, he was promoted to Managing Director.
Michael's passion for working with his clients is equaled only by his dedication to his family and community. Throughout his career, he has donated his time and resources to Children’s Hospital of Los Angeles, the local YMCA, and coaching youth sports. Michael currently resides in Westlake Village with his wife, Angela, and three children.
After attending San Diego State University, Michael became a Financial Advisor at Dean Witter, which eventually became part of Morgan Stanley. Michael has been committed to advanced learning – for himself and his clients. In 2014, he was accredited as Senior Portfolio Management Director at Morgan Stanley and is now among a select group of advisors who are qualified to directly manage client assets. Michael is also a Family Wealth Director, with dedicated training in estate planning, lending, hedging, philanthropy, and business succession planning strategies, and an Alternative Investments Director, reflecting his experience incorporating alternatives into client portfolios. In 2023, he was promoted to Managing Director.
Michael's passion for working with his clients is equaled only by his dedication to his family and community. Throughout his career, he has donated his time and resources to Children’s Hospital of Los Angeles, the local YMCA, and coaching youth sports. Michael currently resides in Westlake Village with his wife, Angela, and three children.
Securities Agent: WY, WI, MD, CO, TN, OK, NC, MI, MA, HI, AZ, NJ, ME, KS, TX, MN, SD, SC, LA, IL, UT, OH, NY, NV, NE, ID, MT, MO, FL, VA, PA, OR, KY, GA, DC, WA, RI, NM, IA, DE, CT, NH, MS, CA, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278610
CA Insurance License #: 0D23780
NMLS#: 1278610
CA Insurance License #: 0D23780
About Kim I Cutler
Kim I. Cutler is a Financial Planning Specialist, Financial Advisor, Senior Portfolio Management Director, and Senior Vice President with The Marshall-Darley-Ryan Group at Morgan Stanley. She provides highly customized advice and investment solutions to financially successful individuals and families.
As she grew up, Kim’s father taught her about investing and the importance of goal-oriented financial planning. Inspired to pursue a career in the financial service industry, she earned her B.S. in mathematics and economics at the University of California, Los Angeles. It was during her junior year, when she interned with The Marshall-Darley-Ryan Group, that she confirmed her passion to build a career in a profession dedicated to helping people achieve their long-term financial goals.
Upon graduation, she joined the team as a Financial Advisor. Shortly after, she became a Financial Planning Specialist to better help clients with retirement, education, and estate planning strategies. Her comprehensive process is focused on articulating each client’s needs, goals, dreams, and challenges. This information then serves as the foundation for the development and implementation of a custom financial plan, which can be easily adapted to respond to life changes.
Kim currently lives in Redondo Beach with her husband and two daughters. They have a dog named Chip, who was rescued from an LA County shelter. Over the past 12 years, she has been an active participant in fundraising activities for Children’s Hospital Los Angeles. When not helping clients or volunteering, Kim enjoys running, yoga, and reading.
As she grew up, Kim’s father taught her about investing and the importance of goal-oriented financial planning. Inspired to pursue a career in the financial service industry, she earned her B.S. in mathematics and economics at the University of California, Los Angeles. It was during her junior year, when she interned with The Marshall-Darley-Ryan Group, that she confirmed her passion to build a career in a profession dedicated to helping people achieve their long-term financial goals.
Upon graduation, she joined the team as a Financial Advisor. Shortly after, she became a Financial Planning Specialist to better help clients with retirement, education, and estate planning strategies. Her comprehensive process is focused on articulating each client’s needs, goals, dreams, and challenges. This information then serves as the foundation for the development and implementation of a custom financial plan, which can be easily adapted to respond to life changes.
Kim currently lives in Redondo Beach with her husband and two daughters. They have a dog named Chip, who was rescued from an LA County shelter. Over the past 12 years, she has been an active participant in fundraising activities for Children’s Hospital Los Angeles. When not helping clients or volunteering, Kim enjoys running, yoga, and reading.
Securities Agent: CO, MN, TN, SD, NJ, MO, UT, NV, MT, MA, TX, KS, IA, SC, NE, HI, WA, MS, ME, LA, FL, CT, WY, RI, PA, MD, IL, CA, NC, MI, ID, DE, AZ, WI, NH, AR, OH, NM, KY, GA, DC, VA, OR, OK, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1265035
CA Insurance License #: 0G38108
NMLS#: 1265035
CA Insurance License #: 0G38108
About Richard J Ryan
Richard Ryan is a Portfolio Management Director, Financial Planning Specialist, Financial Advisor and founding member of The Marshall-Darley-Ryan Group at Morgan Stanley. A seasoned wealth management professional for over 40 years, Dick specializes in portfolio management and financial planning strategies for high net-worth individuals and families. Dick began his financial services career in 1980 with Dean Witter in Beverly Hills. He is proud to be a member of the Morgan Stanley family, having been a part of the firm’s history and its predecessor brands for more than four decades.
Throughout his career, Dick has been committed to advanced learning – for himself and for his clients. After earning his bachelor’s degree in business administration from the University of Wisconsin – Eau Claire, he continued his studies, earning the Morgan Stanley Financial Planning Specialist certification in 2008, Senior Portfolio Manager designation in 2014 and his Portfolio Management Director designation in 2020.
Dick is well versed in the equity and fixed income markets. He takes pride in building effective investment portfolios that can withstand market volatility over time. He also has significant experience with retirement planning, tax-free municipal bonds and equity portfolio management. Dick shared his investment knowledge as a panelist on the LA Roundtable television program, “The Economy,” which aired from 2009 through 2011.
Throughout his career, Dick has been committed to advanced learning – for himself and for his clients. After earning his bachelor’s degree in business administration from the University of Wisconsin – Eau Claire, he continued his studies, earning the Morgan Stanley Financial Planning Specialist certification in 2008, Senior Portfolio Manager designation in 2014 and his Portfolio Management Director designation in 2020.
Dick is well versed in the equity and fixed income markets. He takes pride in building effective investment portfolios that can withstand market volatility over time. He also has significant experience with retirement planning, tax-free municipal bonds and equity portfolio management. Dick shared his investment knowledge as a panelist on the LA Roundtable television program, “The Economy,” which aired from 2009 through 2011.
Securities Agent: LA, AR, VA, PA, NM, DE, AZ, NE, MN, MD, IN, CO, AL, RI, NY, NJ, GA, AK, UT, TX, KS, ID, WI, OR, OK, NV, NH, IA, HI, DC, SC, MO, MI, WY, WA, MS, KY, TN, OH, NC, MT, ME, IL, SD, MA, FL, CT, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265169
CA Insurance License #: 0A17182
NMLS#: 1265169
CA Insurance License #: 0A17182
About Steve Colato
Stephen A. Colato is a Portfolio Associate with The Marshall-Darley-Ryan Group at Morgan Stanley. With more than 15 years of experience in the financial services industry, he provides a wide range of services for the group's high-net-worth clients including investment research and trading, fund transfers and resolving complex operational issues.
Steve served four years in the U.S. Navy as an Aviation Support Technician, an experience that has had a profound impact on his life, teaching him many life lessons. He has developed strong values of duty, honor and discipline and clearly understands the importance of executing a strategic plan. Once his enlistment was completed, Steve earned his B.S. degree in finance from California State University Northridge. Upon graduation, he joined UBS as a registered client service associate. He became part of the Morgan Stanley family in 2006 and holds the Series 7, 66, 9, & 10 licenses.
Born and raised in Simi Valley, Steve currently lives in Woodland Hills. He has a twin brother, Gene, who is a police officer in his hometown. Away from work, Steve enjoys water and snow skiing and spending time with his brother and four nephews, roller blading and skateboarding.
Steve served four years in the U.S. Navy as an Aviation Support Technician, an experience that has had a profound impact on his life, teaching him many life lessons. He has developed strong values of duty, honor and discipline and clearly understands the importance of executing a strategic plan. Once his enlistment was completed, Steve earned his B.S. degree in finance from California State University Northridge. Upon graduation, he joined UBS as a registered client service associate. He became part of the Morgan Stanley family in 2006 and holds the Series 7, 66, 9, & 10 licenses.
Born and raised in Simi Valley, Steve currently lives in Woodland Hills. He has a twin brother, Gene, who is a police officer in his hometown. Away from work, Steve enjoys water and snow skiing and spending time with his brother and four nephews, roller blading and skateboarding.
About Joe Valenzuela
Joe Valenzuela is a Portfolio Management Associate with The Marshall-Darley-Ryan Group at Morgan Stanley. He is responsible for developing comprehensive retirement plans, investment research, rebalancing portfolios, as well as assisting in daily operational and administrative duties.
Joe took the opportunity to serve his country after high school, enlisting in the U.S. Army as an Infantryman with the 101st Airborne Division. He spent a year in Afghanistan aiding in Operation Enduring Freedom. His time in the military has instilled strong values and discipline that has carried with him after transitioning back to civilian life. Joe majored in economics at the University of Southern California and minored in organizational leadership and management. During his senior year at USC, Joe interned at a financial services and investment firm in downtown Los Angeles and found his passion for helping people attain their financial goals.
After visiting most major cities across the country, Joe sees himself as a lifelong Angeleno, and currently resides in La Mirada. In his free time, he enjoys playing basketball, golf, and other activities that allow his competitive spirit to thrive. He also enjoys going to the movies, attending local sporting events, exploring new restaurants, and spending time with his family and friends.
Joe took the opportunity to serve his country after high school, enlisting in the U.S. Army as an Infantryman with the 101st Airborne Division. He spent a year in Afghanistan aiding in Operation Enduring Freedom. His time in the military has instilled strong values and discipline that has carried with him after transitioning back to civilian life. Joe majored in economics at the University of Southern California and minored in organizational leadership and management. During his senior year at USC, Joe interned at a financial services and investment firm in downtown Los Angeles and found his passion for helping people attain their financial goals.
After visiting most major cities across the country, Joe sees himself as a lifelong Angeleno, and currently resides in La Mirada. In his free time, he enjoys playing basketball, golf, and other activities that allow his competitive spirit to thrive. He also enjoys going to the movies, attending local sporting events, exploring new restaurants, and spending time with his family and friends.
About Katelyn Carter
Katelyn Carter is a Wealth Management Associate for The Marshall-Darley-Ryan Group at Morgan Stanley. In this role, Katelyn supports the team’s client service efforts, assisting in the onboarding process, ensuring all client queries and operational requests are addressed in a timely and effective manner, and coordinating client events.
A native of Fullerton, Katelyn earned her B.S. degree in Business and Economics, with a minor in Leadership and Administrative Skills from the University of Oregon. She was a four-year varsity player on Oregon’s Division I women’s soccer team and the starting goalkeeper her senior year while making the PAC-12 All Academic Honor Roll and serving as team captain. While an undergraduate, Katelyn was an active fundraiser for the athletic department and worked part-time for the local sports commission, coordinating marketing and events.
Katelyn currently lives in Orange County and in her spare time she enjoys the outdoors, whether that is coaching youth soccer, trail running, or being at the beach.
A native of Fullerton, Katelyn earned her B.S. degree in Business and Economics, with a minor in Leadership and Administrative Skills from the University of Oregon. She was a four-year varsity player on Oregon’s Division I women’s soccer team and the starting goalkeeper her senior year while making the PAC-12 All Academic Honor Roll and serving as team captain. While an undergraduate, Katelyn was an active fundraiser for the athletic department and worked part-time for the local sports commission, coordinating marketing and events.
Katelyn currently lives in Orange County and in her spare time she enjoys the outdoors, whether that is coaching youth soccer, trail running, or being at the beach.
About Mary Solares
Mary majored in Management and minored in Marketing at Mount Saint Mary’s University, Los Angeles. She graduated in 2017 with her Bachelor of Science in Business Administration.
As a four-year college student, she was an active participant in school clubs like ISAE (Institute for Student Academic Enrichment, a program for first generation college students) and SBD (Sigma Beta Delta, a business honors society) where she was a mentee and mentor. She continues to be an active participant with ISAE as an alum panelist and attends functions to meet and greet new members. Prior to joining Morgan Stanley in 2022, Mary worked at Big 5 Sporting Goods Corporate Office as a Human Resources Assistant Manager. She is studying for her Series 7 and Series 66 licenses.
Mary is from the South Bay. Outside of work, she enjoys visits to local theme parks, exploring the outdoors, and traveling. Mary also enjoys spending quality time with family and friends.
As a four-year college student, she was an active participant in school clubs like ISAE (Institute for Student Academic Enrichment, a program for first generation college students) and SBD (Sigma Beta Delta, a business honors society) where she was a mentee and mentor. She continues to be an active participant with ISAE as an alum panelist and attends functions to meet and greet new members. Prior to joining Morgan Stanley in 2022, Mary worked at Big 5 Sporting Goods Corporate Office as a Human Resources Assistant Manager. She is studying for her Series 7 and Series 66 licenses.
Mary is from the South Bay. Outside of work, she enjoys visits to local theme parks, exploring the outdoors, and traveling. Mary also enjoys spending quality time with family and friends.
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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
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
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Marshall-Darley-Ryan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Morgan 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.
6Morgan 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
7Morgan 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.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Morgan 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.
6Morgan 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
7Morgan 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.
8Morgan 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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
