The Miller Conturso Group

We are dedicated to helping corporate executives optimize their personal and company wealth. We understand corporate executives – your busy schedule, how you are compensated, how your company plans work, and tax and liquidity strategies.  These insights, combined with our understanding of your goals and passions, will serve as the foundation of your personalized comprehensive wealth plan.  Our team is positioned to help you make well informed decisions for you and your family. Our practice seeks to offer the intimacy of a boutique, coupled with the resources of a premier investment firm.

Listed #78 and #79 on Forbes 2020 Best-In-State Wealth Advisors and named to 2025 Forbes Best-In-State Wealth Management Teams


2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025

2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Five - Step 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 welath.
    Icon Image
    1. Introductory Call
    We begin with an informational conversation to understand your financial concerns and determine how we van add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
    Icon Image
    2. Get to Know You Meeting
    We continue the dialogue by fostering an in -depth conversation where we learn about the values that shape your decision and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
    Icon Image
    3. Analysis & Plan Development
    Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
    Icon Image
    4. Implementation
    In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've disscussed
    Icon Image
    5. Ongoing Services
    Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule.

Our Clients Understand That Decisions They Make Around Company Stock And Options Are Some Of The Most Consequential They'll Face In Their Life

You may be asking yourslef:
• How well do I understand my equity compensation and the strategies that exist to maximize its value?
• Am I being as smart as my managers and coworkers with my equity compensation? Should I be making different choices based on my specific situation?
• How do I turn my company equity into something I can enjoy?
• Can I afford to leave my company, and how should I plan for that?
• What the is the Alternative Minimum Tax?
How can we help?
Understanding how your stock or option plan works is only the first step. We work with you articulate specific goals such as diversification, tax management, charitable gifting, or simply having enough cash to live on while you wait for an exit. Projecting a variety of multi-year scenarios, we help you make the best decisions you can to maximize this valuable asset.
Sample Employee Stock and Option Analysis Morgan Stanley
Why Us?
We are part of a small group of Morgan Stanley advisors trained and experienced in these complex issues and have tools and resources that stand out among your choices in selecting a financial advisor.

Welcome to our life navigator

We want to help you every step of the way. Navigating life may be hard but we are here to help to take some of the financial burden off of your shoulders.
    Icon Image
    Education
    Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
    Click here to learn more
    Icon Image
    Buisness/Work
    Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.

    Typically, we encounter three primary scenarios with our clients:

    - Starting a business
    - Funding a business
    - Exiting a business
    Click here to learn more
    Icon Image
    Buying Your First Home
    This exciting moment in your life comes with significant
    financial and lifestyle implications. Before taking the leap
    it's important to evaluate all factors before signing on the
    dotted line. Next-Gen clients may be able to leverage their
    familys relationship with Morgan Stanley to help break
    into this tough market. Let us know if you are thinking
    about buying a home and we can discuss all potential
    options.
    Click here to learn more
    Icon Image
    Tying the Knot
    Understanding expectations, setting common goals and mapping out life as a couple are key tenants of any health relationship, especially when two financial lives become one. As it's important to share everything, from money values to credit histories.
    Click here to learn more
    Icon Image
    Starting a Family
    It's important to anticipate what to expect before you're
    expecting. Your monthly expenses are going to change
    now that you have an additional mouth to feed, and for
    some this might also coincide with a temporary—or more
    permanent—decrease in household income. By mapping
    out your baby budget in advance, you can help ease
    anxiety about counting diaper costs.
    Click here to learn more
    Icon Image
    Post Career
    Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
    Click here to learn more

Valuable Tools And Resources

Our team is committed to providing you with important information about managing your wealth in today's fast pace environment. Learn more about our online platforms and take a look at our last resources that focuses on insights in the market.
    Morgan Stanley Online (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Morgan Stanley Online
    Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
    Register for Morgan Stanley Online Today
    Icon Image
    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
    Learn More About Total Wealth View
    Digital Vault - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Digital Vault
    Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
    Get Started Today
    eDelivery - (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    eDelivery
    Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
    Enroll Today
    Portfolio Risk Platform (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Portfolio Risk Platform
    Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
    Portfolio Risk Platform
    Security Center (photo) - DO NOT EDIT CONTENT - MUST USE AS IS
    Security Center
    Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
    Visit our Security Center
    Icon Image
    Thoughts on the Market Podcast
    Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
    Listen to Podcast
    Icon Image
    The GIC Weekly
    The Global Investment Committee's Lisa Shalett
    headlines this weekly look at markets, asset class
    performance and fixed income.
    Read the Latest Report

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

340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 993-5217(973) 993-5217
Toll-Free:
(800) 524-2423(800) 524-2423
Fax:
(973) 993-5276(973) 993-5276

Meet The Miller Conturso Group

Photo of Carmel McPartland

Carmel McPartland

Portfolio Associate
Phone:
(973) 993-5253(973) 993-5253

About Nicholas Conturso

Nicholas Conturso was born in New Jersey, and attended Seton Hall University, where he acquired his Bachelor's degree in Finance with a minor concentration in International Business. Upon graduation, he accepted a position as a Financial Advisor with Morgan Stanley Dean Witter.

Nick is a member of the Montville Chapter of UNICO National, the country's largest Italian-American Service organization. UNICO is dedicated to the education and support of individuals, families, and other charitable organizations within the community.  Nick also supports FAMILY Connections, a nonprofit community-based counseling and family service agency.

Nick resides in Montville, NJ with his wife, Melissa, and their son, P.J. Together they enjoy traveling and participating in outdoor activities. In his spare time, Nick enjoys an occasional cigar, while maintaining his lawn.

Professional Details:

CFP® - CERTIFIED FINANCIAL PLANNER™
ChFC® - Chartered Financial Consultant®
Executive Financial Services Director
20+ years of Wealth Management Experience
Selected as a Forbes 2024 Best-In-State Wealth Advisor
Selected as a NJ Monthly 5 Star Wealth Manager for 2011 - 2024
B.S. Degree in Finance - Seton Hall University



Forbes Best-In- State Wealth Advisors
​Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.

2011 - 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2011 - 2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: TN, TX, UT, VA, WA, WY, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, LA, MA, MD, MI, MN, MS, NC, NJ, NV, NY, OH, OR, PA, RI, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278806

About Matthew M Miller

Born and raised in West Orange, New Jersey, Matthew Miller graduated from Montclair State University with a degree in Finance and began his career working as a financial advisor for Morgan Stanley. With over two decades of experience as a CERTIFIED FINANCIAL PLANNER™, Certified Private Wealth Advisor® and Executive Financial Services Director, Matt has been acknowledged by Forbes/Shook on their “Best in State Wealth Advisor” directory.

Matt is a proud supporter of FAMILY Connections, a nonprofit community-based counseling and family service agency and Project Beacon, a nonprofit whose mission is to develop safe homes and vibrant futures for adults with autism and other neurodiversities.

Matt and his wife, Bridget, live in Florham Park, New Jersey and enjoy raising their son, Little Matt! In his free time, he can be found attending sporting events and playing golf.

Professional Details:

CFP® - CERTIFIED FINANCIAL PLANNER™
CPWA® - Certified Private Wealth Advisor®
ChFC® - Chartered Financial Consultant®
Executive Financial Services Director
20+ years of Wealth Management Experience
Selected as a Forbes 2024 Best-In-State Wealth Advisor
Selected as a NJ Monthly 5 Star Wealth Manager for 2011 - 2024
B.S. Degree in Finance - Montclair State University



Forbes Best-In- State Wealth Advisors
​Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.

2011 - 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2011 - 2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: CA, AR, AZ, CO, CT, DC, DE, FL, GA, IL, IN, LA, MA, MD, MI, MN, MS, NC, NJ, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278660

About Nicole Rosa

Nicole was born and raised in North Jersey, where she graduated top of her class from Fairleigh Dickinson University with a degree in Financial Planning and Accounting. She began her career with Morgan Stanley as an Administrative Assistant, and later transitioned within the team to a Financial Advisor.

Nicole resides in Basking Ridge, NJ with her husband, Greg, where they enjoy staying active, especially outdoors. They also love any opportunity to compete in their favorite sports, such as volleyball, pickleball, and soccer.

Professional Details:

CFP® - CERTIFIED FINANCIAL PLANNER™
CDFA® - Certified Divorce Financial Analyst®
7+ years of Wealth Management Experience
B.S. Degree in Financial Planning and Accounting - Fairleigh Dickinson University

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.
Securities Agent: CT, DC, RI, AR, WY, VT, PA, NY, MI, DE, SC, OR, NV, MD, CO, GA, UT, OH, NJ, IL, CA, VA, OK, MN, MA, LA, WA, TN, MS, FL, AZ, TX, NC, ME, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2056740

About Carmel McPartland

Carmel McPartland is a fully licensed Portfolio Associate with over 25 years of financial industry experience.

Carmel began her career at A.G Edwards & Sons., then Wells Fargo and joined Morgan Stanley in 2014. Carmel brings an exceptional level of client service capabilities to her team & provides operational support in all aspects of the client relationship. She assists with onboarding of clients, provides monthly reporting & analysis in all aspects of portfolio management.

Carmel is a graduate of Seton Hall University in South Orange, NJ with a B.A. degree in Political Science. She currently resides in Florham Park, NJ. In her spare time, Carmel enjoys traveling, cooking, reading and spending weekends at the beach with her family.
Wealth Management
Global Investment Office

Portfolio Insights

Read More about On the Markets
Read "On the Markets"
This is a video content

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

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
Article Image

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.
Ready to start a conversation? Contact The Miller Conturso Group today.
Market Information Delayed 20 Minutes
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 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.

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

Back to top



2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

Back to top



3Morgan 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.

Back to top



4When 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.

Back to top



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.

Back to top



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, charitable giving, philanthropic planning and other legal matters.

Back to top



7Alternative 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.

Back to top



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.

Back to top



9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

Back to top



11Morgan 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.

Back to top



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)