Martin C. Parquette, CPM®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(617) 589-3248(617) 589-3248
The MPD Boston Harbor Wealth Management Group at Morgan Stanley
Direct:
(617) 589-3246(617) 589-3246
Toll-Free:
(800) 752-2678(800) 752-2678
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
Our mission is to provide high quality cradle-to-grave investment management advice to a limited number of high-net-worth individuals and families. Over the years, we’ve noticed that all of our clients –– from business owners to academics to large families –– embody an entrepreneurial spirit. They’ve forged their own paths and achieved success on their own terms.
MPD Boston Harbor Wealth Management Group, that entrepreneurial spirit resonates strongly. Each and every day, we pay our respect to the hard work you’ve put in to earn your wealth, by working just as hard to help you protect and grow it for decades to come.
WE GUIDE YOU EVERY STEP OF THE WAY
Whether it’s your transition into retirement, a sudden family emergency, a complex business need, or a simple question like “is now the right time to buy a second home?” –– we help you navigate every step of your financial journey. We view ourselves as client advocates. Our job is to filter out the hyperbole and noise endemic to Wall Street and describe strategies specific to each client’s needs and goals. Even if the challenge requires an outside resource, we’ll stay by your side to help make sure the process goes smoothly. Put simply, we’re in your corner. And we always will be.
WE’RE NEVER DONE LEARNING. EVER.
There are always new challenges on the horizon. New opportunities and new risks. That’s why we’re always seeking new ways to enhance our offering. With the world-class resources of Morgan Stanley, we can help you overcome whatever obstacles you and your loved ones face.
THE PINNACLE OF WEALTH MANAGEMENT
From a Family Wealth Director to a Certified Divorce Financial Analyst® to a CFP®–– our guidance is backed by some of the most elite designations in wealth management, not to mention nearly a century of combined experience. As Senior Portfolio Management Directors, Stuart and Chris have achieved a designation shared by less than 5% of Morgan Stanley Financial Advisors. In addition, the group is responsible for more than $2B in client assets (as of 02/08/2024).
For a second opinion about your current investments, or to talk about your goals, please call us at (617) 589-3217
MPD Boston Harbor Wealth Management Group, that entrepreneurial spirit resonates strongly. Each and every day, we pay our respect to the hard work you’ve put in to earn your wealth, by working just as hard to help you protect and grow it for decades to come.
WE GUIDE YOU EVERY STEP OF THE WAY
Whether it’s your transition into retirement, a sudden family emergency, a complex business need, or a simple question like “is now the right time to buy a second home?” –– we help you navigate every step of your financial journey. We view ourselves as client advocates. Our job is to filter out the hyperbole and noise endemic to Wall Street and describe strategies specific to each client’s needs and goals. Even if the challenge requires an outside resource, we’ll stay by your side to help make sure the process goes smoothly. Put simply, we’re in your corner. And we always will be.
WE’RE NEVER DONE LEARNING. EVER.
There are always new challenges on the horizon. New opportunities and new risks. That’s why we’re always seeking new ways to enhance our offering. With the world-class resources of Morgan Stanley, we can help you overcome whatever obstacles you and your loved ones face.
THE PINNACLE OF WEALTH MANAGEMENT
From a Family Wealth Director to a Certified Divorce Financial Analyst® to a CFP®–– our guidance is backed by some of the most elite designations in wealth management, not to mention nearly a century of combined experience. As Senior Portfolio Management Directors, Stuart and Chris have achieved a designation shared by less than 5% of Morgan Stanley Financial Advisors. In addition, the group is responsible for more than $2B in client assets (as of 02/08/2024).
For a second opinion about your current investments, or to talk about your goals, please call us at (617) 589-3217
Services Include
- Estate Planning StrategiesFootnote1
- Executive Financial ServicesFootnote2
- Financial PlanningFootnote3
- Fixed IncomeFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Asset Management
- Cash ManagementFootnote6
- Retirement PlanningFootnote7
- Trust AccountsFootnote8
- UGMA/UTMAFootnote9
- Wealth ManagementFootnote10
- Alternative InvestmentsFootnote11
- Corporate Retirement PlansFootnote12
- Lending Products
- Municipal BondsFootnote13
- Planning for Education FundingFootnote14
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Certifications, Designations & Awards
Our Team has the extensive experience, specialized training, and resources necessary to help our clients address their unique goals and aspirations. Read below to understand more about our designations and how Morgan Stanley can help you achieve your goals.
Stuart MacKinnon, Martin Parquette, and Christopher Doucette Named to Forbes Best-In-State Wealth Advisors 2024
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2023 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
View Our Forbes Profile
2022-2023 Boston's Magazine's List of Five Star Wealth Managers
Source: Five Star Professional (Awarded Feb 2023). Data complied by Five Star Professional based on the time period from 05/23/22 - 01/06/23.
View Our Five Star Professional Profile2019 Managing Directors
View New Managing Directors
Stuart MacKinnon Named to Chairman's Club
Learn More
Portfolio Management Director (PMD)
The Portfolio Management Director designations allows Financial Advisors to manage investment advisory accounts on a discretionary basis.
Certified Portfolio Manager®
The CPM® curriculum involves in-depth study of fundamental analysis, option valuation, foreign currency exchange, credit default swap structure and valuation analysis, and asset allocation. Working with Consulting Group, we develop and manage portfolios personalized to suit the specific needs of clients.
CERTIFIED FINANCIAL PLANNER™
For 50 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first. That's why partnering with a CFP® professional gives consumers confidence today and a more secure tomorrow.
Family Wealth Director
At Morgan Stanley, we have an elite group of Financial Advisors who earned the Family Wealth Director designation. It 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.
The Certified Divorce Financial Analyst (CDFA®)
The Certified Divorce Financial Analyst (CDFA®) Program is designed to prepare you as an expert on the financial aspects of divorce. For many clients, divorce is the largest financial transaction of their lives. The role of a CDFA® professional is to address the special financial issues of divorce with data to help achieve equitable settlements.
OUR Relationship
At the MPD Boston Harbor Wealth Management Group at Morgan Stanley*, our goal is to consistently deliver the highest grade financial advice and excellent client service. As a team, we take our clients trust and managing their assets very seriously. We utilize traditional and non-traditional asset class parings to help manage the risk concerns prevalent today and access some of the industries most desired asset managers that are best suited for our client’s particular goal, need and risk tolerance. In doing this, we put our clients on a level playing field with some of the most sophisticated institutional investment practices in the world.
We have experienced crashes, flash-crashes, wars, panics, Great Recessions, and more than a few bouts of "irrational exuberance." Steady hands and calm voices have always marked our response to volatile markets. Our goal is to act as a salve over a wounded portfolio or the voice of reason when presented with irrational markets.
Working with us, we digest the complexities of the industry and educate our clients-- simplifying your understanding and your financial life while still offering high-level solutions to your most involved issues. Using Morgan Stanley's breadth of resources, products, and services, we are able to offer a variety of unbiased options for our clients. With this open architecture platform, it is our job to find the most appropriate, cost efficient fit for your individual needs. In doing this, our practice is truly client centric.
At Boston Harbor Wealth Management Group, your utmost satisfactory experience is essential to our practice. We strive to be the Family Wealth Office for you, your family and your business.
We have experienced crashes, flash-crashes, wars, panics, Great Recessions, and more than a few bouts of "irrational exuberance." Steady hands and calm voices have always marked our response to volatile markets. Our goal is to act as a salve over a wounded portfolio or the voice of reason when presented with irrational markets.
Working with us, we digest the complexities of the industry and educate our clients-- simplifying your understanding and your financial life while still offering high-level solutions to your most involved issues. Using Morgan Stanley's breadth of resources, products, and services, we are able to offer a variety of unbiased options for our clients. With this open architecture platform, it is our job to find the most appropriate, cost efficient fit for your individual needs. In doing this, our practice is truly client centric.
At Boston Harbor Wealth Management Group, your utmost satisfactory experience is essential to our practice. We strive to be the Family Wealth Office for you, your family and your business.
OUR FAMILY APPROACH
Nothing is more important than family. But sometimes, nothing can seem more challenging than dealing with family matters, especially when money is involved. With a Family Wealth Director heading our team, we’re able to help you achieve a wide range of legacy goals: whether you’re looking to create a nest egg for your children, support your grandchildren’s college education, or make a charitable impact.
We Offer A Family Perspective
Our team members belong to a wide range of generations, and most of us come from large families ourselves. Here’s why that’s important:
• With “fluency” in the perspectives of different age groups, we can communicate effectively with all members of your family.
• We understand how to navigate complex family dynamics, and moreover we see it as part of our job.
• When we take you on as a client, we truly are making a lifelong commitment to you and your loved ones.
• With “fluency” in the perspectives of different age groups, we can communicate effectively with all members of your family.
• We understand how to navigate complex family dynamics, and moreover we see it as part of our job.
• When we take you on as a client, we truly are making a lifelong commitment to you and your loved ones.
Your Legacy, Your Values
According to recent study, 70% of wealthy families lose their wealth by the second generation, and 90% by the third. That’s absolutely unacceptable, and it points to a glaring gap in wealth management: financial education. We strive to close that gap by empowering your adult children and grandchildren with an understanding of how to value, manage, and protect money for long-term security.
A Family Commitment
Divorce. Health concerns. A loved one’s passing. These are highly emotional moments in a person’s life. But they can also create complex financial scenarios. With our clients, we often find ourselves starting sentences: “If this were my mother’s money, here’s what I would do.” That’s because we treat our clients like family members. And like family, we are here for you through thick and thin.
Location
28 State Street 34th Fl
Boston, MA 02109
US
Direct:
(617) 589-3246(617) 589-3246
Toll-Free:
(800) 752-2678(800) 752-2678
Meet The MPD Boston Harbor Wealth Management Group
Phone:
(617) 589-3246(617) 589-3246
Deana R. DeLuca, CDFA®
First Vice President, Financial Advisor
Phone:
(617) 589-3220(617) 589-3220
Associate Vice President, Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(617) 589-3206(617) 589-3206
Mary Rose Doten
Senior Registered Associate, Financial Planning Associate
Phone:
(617) 589-3456(617) 589-3456
Joseph D. Emma, CFP®
Portfolio Management Associate, Financial Planning Specialist
Phone:
(617) 589-3282(617) 589-3282
Matt D. Moody, CFP®
Wealth Management Associate, Financial Planning Specialist
Phone:
(617) 589-3293(617) 589-3293
Justin T. Joyal
Client Service Associate
Phone:
(617) 589-3269(617) 589-3269
About Martin C. Parquette
Martin Parquette is a Managing Director, Financial Advisor, Family Wealth Director, and Chartered Portfolio Manager® with The Parquette Wealth Management Group at Morgan Stanley in Boston. For decades, Martin has helped successful families, business owners, and academic professionals build long-term financial strategies for retirement and beyond.
A graduate of Dean College and the University of Massachusetts, Martin first entered the financial industry with Dean Witter Reynolds in 1988. Subsequently, he joined Legg Mason, a predecessor of Morgan Stanley in 1991, and has remained at the firm ever since. Over the course of his career, he has been committed to helping families meet the complex and unique challenges of multigenerational wealth. To further enhance his skill sets for those clients, he earned through extensive coursework and practical study the elite Family Wealth Director designation (held by less than 4% of Morgan Stanley Advisors), as well as a Certified Portfolio Manager® designation through Columbia University. Additionally, he is a Portfolio Manager Director at Morgan Stanley.
As Founder and Principal of The Parquette Wealth Management Group, Martin brings deep experience, global resources, and elite care to his clients’ financial lives. Whether it’s helping business owners as they transition to retirement or sell their business, or helping parents get the confidence that comes from knowing their children are financially secure –– Martin works tirelessly to identify his clients’ distinct needs and design unique long-term investment approaches to help them reach their goals in a tax-efficient manner. He has been named a Forbes Best-in-State Advisor 2019-2022, and a Boston Magazine Five Star Wealth Manager for each of the past seven years (as of 2022).
Outside of work, Martin enjoys living in the South Shore of Massachusetts and spending time with his family. As a life-long resident he is committed to his community and serves on the Board of Trustees and Business Advisory Board at Dean College in Franklin, MA. He also helps with HomeStart Inc., a nonprofit organization which is committed to ending homelessness in Boston. In his free time, he enjoys being a private pilot, winter skiing, and leading Spin classes as a certified instructor.
2019-2022 Forbes Best-In- State Wealth Advisors. Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2016-2022 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2016-2022) 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.
A graduate of Dean College and the University of Massachusetts, Martin first entered the financial industry with Dean Witter Reynolds in 1988. Subsequently, he joined Legg Mason, a predecessor of Morgan Stanley in 1991, and has remained at the firm ever since. Over the course of his career, he has been committed to helping families meet the complex and unique challenges of multigenerational wealth. To further enhance his skill sets for those clients, he earned through extensive coursework and practical study the elite Family Wealth Director designation (held by less than 4% of Morgan Stanley Advisors), as well as a Certified Portfolio Manager® designation through Columbia University. Additionally, he is a Portfolio Manager Director at Morgan Stanley.
As Founder and Principal of The Parquette Wealth Management Group, Martin brings deep experience, global resources, and elite care to his clients’ financial lives. Whether it’s helping business owners as they transition to retirement or sell their business, or helping parents get the confidence that comes from knowing their children are financially secure –– Martin works tirelessly to identify his clients’ distinct needs and design unique long-term investment approaches to help them reach their goals in a tax-efficient manner. He has been named a Forbes Best-in-State Advisor 2019-2022, and a Boston Magazine Five Star Wealth Manager for each of the past seven years (as of 2022).
Outside of work, Martin enjoys living in the South Shore of Massachusetts and spending time with his family. As a life-long resident he is committed to his community and serves on the Board of Trustees and Business Advisory Board at Dean College in Franklin, MA. He also helps with HomeStart Inc., a nonprofit organization which is committed to ending homelessness in Boston. In his free time, he enjoys being a private pilot, winter skiing, and leading Spin classes as a certified instructor.
2019-2022 Forbes Best-In- State Wealth Advisors. Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2016-2022 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2016-2022) 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: OK, IA, DC, SC, PA, MD, IN, ND, MS, MA, CA, WY, SD, NJ, DE, CO, VT, OH, HI, AR, NV, MO, CT, AK, RI, NM, NC, MN, WI, NY, NH, AZ, AL, MT, MI, IL, WA, VA, TX, OR, ME, KY, KS, ID, UT, TN, LA, GA, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1446195
NMLS#: 1446195
About Christopher D. Doucette
2005 - Present: Morgan Stanley*
Executive Director
Senior Portfolio Management Director
Financial Advisor
Financial Planning Specialist
BA - European History, 2004
Suffolk University
Boston, MA
Christopher was recently named to the 2022 Forbes Best In State Advisor List based on his contributions within the Wealth Management field.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Executive Director
Senior Portfolio Management Director
Financial Advisor
Financial Planning Specialist
BA - European History, 2004
Suffolk University
Boston, MA
Christopher was recently named to the 2022 Forbes Best In State Advisor List based on his contributions within the Wealth Management field.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: MO, VT, WI, WA, VA, TX, TN, PA, OR, RI, OH, NV, NC, ME, FL, MD, MA, IL, LA, NY, KY, GA, NH, DE, MI, NJ, DC, CT, CO, CA, IN, MN, AZ, AL, AK, SC, NM, SD, MS, MT, UT, ID, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1395603
NMLS#: 1395603
About Deana R. DeLuca
Deana DeLuca is a First Vice President, Financial Advisor, and Certified Divorce Financial Analyst® with The MPD Boston Harbor Wealth Management Group at Morgan Stanley in Boston. With over a decade of industry experience, Deana helps a wide range of clients overcome their most complex financial challenges and achieve their most meaningful financial goals.
A graduate of Salem State University, Deana entered the financial industry in 2011 with Morgan Stanley and she has remained with the firm ever since. Throughout her career, she has consistently sought to enhance her offering, a commitment that led her to become a Certified Divorce Financial Analyst® in 2015. With this rigorous designation, she helps clients navigate what can be one of the most financially complex –– and emotionally taxing –– moments in their lives.
With The MPD Boston Harbor Wealth Management Group, Deana primarily focuses on financial planning and helping clients leverage Morgan Stanley's world-class lending resources to address their specific needs. Every client comes to her with unique circumstances, unique challenges, and with a unique vision for the future. That’s why Deana designs personalized, holistic financial plans: to help them build toward that vision, step by step. But at the end of the day, her role in her clients’ lives goes far beyond financial strategy. She strives to be a trusted, lifelong, and comprehensive resource for her clients, for their families, and for their legacies.
Outside of the office, Deana lives on the North Shore with her husband and their four children. A passionate parent, her favorite kind of free time is family time, whether it’s a trip out of town, a hometown sports game, or even just a night in cooking with the kids. She is committed to giving back and helping others. She volunteers with One Wish Project, an organization that provides birthday celebrations to children across Massachusetts that are in foster care or homeless shelters. She supports Homestart, Homes For Our Troops, St. Jude's, Operation Gratitude, and Boston Children’s Hospital.
A graduate of Salem State University, Deana entered the financial industry in 2011 with Morgan Stanley and she has remained with the firm ever since. Throughout her career, she has consistently sought to enhance her offering, a commitment that led her to become a Certified Divorce Financial Analyst® in 2015. With this rigorous designation, she helps clients navigate what can be one of the most financially complex –– and emotionally taxing –– moments in their lives.
With The MPD Boston Harbor Wealth Management Group, Deana primarily focuses on financial planning and helping clients leverage Morgan Stanley's world-class lending resources to address their specific needs. Every client comes to her with unique circumstances, unique challenges, and with a unique vision for the future. That’s why Deana designs personalized, holistic financial plans: to help them build toward that vision, step by step. But at the end of the day, her role in her clients’ lives goes far beyond financial strategy. She strives to be a trusted, lifelong, and comprehensive resource for her clients, for their families, and for their legacies.
Outside of the office, Deana lives on the North Shore with her husband and their four children. A passionate parent, her favorite kind of free time is family time, whether it’s a trip out of town, a hometown sports game, or even just a night in cooking with the kids. She is committed to giving back and helping others. She volunteers with One Wish Project, an organization that provides birthday celebrations to children across Massachusetts that are in foster care or homeless shelters. She supports Homestart, Homes For Our Troops, St. Jude's, Operation Gratitude, and Boston Children’s Hospital.
Securities Agent: FL, AZ, NH, GA, CO, MS, MI, TX, IL, DE, VA, SD, KY, IN, OR, OK, MD, LA, ID, AL, WA, VT, NV, NM, NJ, CT, AK, WI, TN, MA, NC, SC, PA, ME, DC, CA, RI, OH, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1297730
NMLS#: 1297730
About Christine L. Koenig
2013 - Present: Morgan Stanley
Associate Vice President
Financial Advisor
Financial Planning Specialist
BS - International Business and Spanish, 2012
Elon University
Elon, NC
Licenses: Series 7, Series 66
MA Life Insurance Licensed
Associate Vice President
Financial Advisor
Financial Planning Specialist
BS - International Business and Spanish, 2012
Elon University
Elon, NC
Licenses: Series 7, Series 66
MA Life Insurance Licensed
Securities Agent: MO, WA, OR, DC, WI, SC, ID, ME, MN, MS, VT, UT, NV, NY, AZ, OH, PA, NJ, VA, TX, TN, SD, AL, RI, CO, CT, NH, NM, GA, MT, FL, IN, IL, NC, MI, MD, MA, LA, KY, KS, AK, DE, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2393920
NMLS#: 2393920
About Mary Rose Doten
Mary Rose Doten is a Sr. Registered Associate and Financial Planning Specialist with The MPD Boston Harbor Wealth Management Group at Morgan Stanley in Boston. For over two decades, Mary Rose has focused on helping simplify clients’ financial lives, so they can focus on their careers, families, and passions.
Graduating Magna Cum Laude from Northeastern University with a B.S.B.A. in Accounting, Mary Rose began her career in wealth management in 1998 with Morgan Stanley. In 2010, she joined The MPD Boston Harbor Wealth Management Group. She holds a Series 7 and 63 license.
With The MPD Boston Harbor Wealth Management Group, Mary Rose helps elevate and maintain the elite client service model that has become a hallmark of the team. Diligence. Thoughtfulness. Empathy. Those are her core values. Day in and day out, she goes above and beyond to support the team’s mission: to help ensure that every client receives the help they need, when they need it. No matter what.
Mary Rose resides south of Boston. She has two adult sons. One is employed through Lifeworks: a not-for-profit organization that provides education, jobs, and homes for people with developmental disabilities. Another son is a retired Combat Veteran of the United States Marine Corps, and is currently employed at UPS. Passionate about giving back, Mary Rose supports Adam's Hope, a nonprofit dedicated to sending Marines care packages while they are deployed overseas. In her free time, she enjoys traveling, tennis, reading and spending time with her family.
Graduating Magna Cum Laude from Northeastern University with a B.S.B.A. in Accounting, Mary Rose began her career in wealth management in 1998 with Morgan Stanley. In 2010, she joined The MPD Boston Harbor Wealth Management Group. She holds a Series 7 and 63 license.
With The MPD Boston Harbor Wealth Management Group, Mary Rose helps elevate and maintain the elite client service model that has become a hallmark of the team. Diligence. Thoughtfulness. Empathy. Those are her core values. Day in and day out, she goes above and beyond to support the team’s mission: to help ensure that every client receives the help they need, when they need it. No matter what.
Mary Rose resides south of Boston. She has two adult sons. One is employed through Lifeworks: a not-for-profit organization that provides education, jobs, and homes for people with developmental disabilities. Another son is a retired Combat Veteran of the United States Marine Corps, and is currently employed at UPS. Passionate about giving back, Mary Rose supports Adam's Hope, a nonprofit dedicated to sending Marines care packages while they are deployed overseas. In her free time, she enjoys traveling, tennis, reading and spending time with her family.
About Joseph D. Emma
Joseph Emma is a Portfolio Management Associate with The MPD Boston Harbor Wealth Management Group in Boston. For the past four years, Joe has enjoyed cultivating relationships with clients and proactively helping clients reach their financial goals.
A graduate from Bentley University in 2018 with a BS in Economics-Finance, Joe began his career in private equity and made his way over to wealth management in 2019 with the MacKinnon-Doucette Group. He Holds a Series 7 and 66 license. Joe also obtained his CERTIFIED FINANCIAL PLANNER™ certification.
With The MPD Boston Harbor Wealth Management Group, Joe is implementing investment strategies and developing financial plans based on client goals. Joe focuses on market research and analysis, as well as investment strategy development and execution.
Joe was born and raised in Middleton, MA and currently resides in Wakefield, MA. He enjoys hockey, golfing and snowboarding.
A graduate from Bentley University in 2018 with a BS in Economics-Finance, Joe began his career in private equity and made his way over to wealth management in 2019 with the MacKinnon-Doucette Group. He Holds a Series 7 and 66 license. Joe also obtained his CERTIFIED FINANCIAL PLANNER™ certification.
With The MPD Boston Harbor Wealth Management Group, Joe is implementing investment strategies and developing financial plans based on client goals. Joe focuses on market research and analysis, as well as investment strategy development and execution.
Joe was born and raised in Middleton, MA and currently resides in Wakefield, MA. He enjoys hockey, golfing and snowboarding.
About Matt D. Moody
Matt Moody is a Registered Associate with The MPD Boston Harbor Wealth Management Group in Boston. For the past three years, Matt has been committed to gaining knowledge and experience to enhance client satisfaction.
A graduate from Fairfield University in 2019 with a BS in Finance, Matt began his career in wealth management in 2020 and later joined MPD Boston Harbor Wealth Management Group in early 2022. He Holds a Series 7, 63 and 65 along with Life and Health Insurance. Matt also obtained his CERTIFIED FINANCIAL PLANNER™ certification.
With The MPD Boston Harbor Wealth Management Group, Matt is one of the friendly voices on the other end of the phone and administers financial plans along with new and existing client accounts. Matt focuses on financial planning, analytics, and market research. Maintaining the teams service model, Matt’s goal is to provide confidence and simplify client’s lives.
Matt was born and raised in North Andover, MA and currently resides in Boston, MA. He is an avid Boston sports fan and enjoys skiing, watersports, basketball, and lacrosse.
A graduate from Fairfield University in 2019 with a BS in Finance, Matt began his career in wealth management in 2020 and later joined MPD Boston Harbor Wealth Management Group in early 2022. He Holds a Series 7, 63 and 65 along with Life and Health Insurance. Matt also obtained his CERTIFIED FINANCIAL PLANNER™ certification.
With The MPD Boston Harbor Wealth Management Group, Matt is one of the friendly voices on the other end of the phone and administers financial plans along with new and existing client accounts. Matt focuses on financial planning, analytics, and market research. Maintaining the teams service model, Matt’s goal is to provide confidence and simplify client’s lives.
Matt was born and raised in North Andover, MA and currently resides in Boston, MA. He is an avid Boston sports fan and enjoys skiing, watersports, basketball, and lacrosse.
About Justin T. Joyal
2022 – Present: Morgan Stanley
BS – Business Administration
University of Vermont
Burlington, VT
BS – Business Administration
University of Vermont
Burlington, VT
Contact Martin C. Parquette
Contact Christopher D. Doucette
Contact Deana R. DeLuca
Contact Christine L. Koenig
Wealth Management
Global Investment Office
Portfolio Insights
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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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 MPD Boston Harbor Wealth Management 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 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.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors 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.
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
7When 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.
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 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Alternative 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.
12When 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 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.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors 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.
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
7When 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.
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 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Alternative 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.
12When 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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)
