Phone:
(914) 225-4859(914) 225-4859
Our Mission Statement
At its core, “Prospection” is envisioning, planning, and anticipating the future to guide today’s decisions and actions. For us, this concept captures the essence of wealth management.
Our Story and Services
At Prospection Wealth Management, we are guided by the principle of prospection—the act of looking ahead, anticipating opportunities, and planning for the future. Our mission is to go beyond managing money; we help clients define their aspirations and create actionable strategies to bring their visions to life. Wealth management is not just about financial strategies—it’s about considering the whole picture: family, career, values, and well-being. Our team is dedicated to guiding clients through life’s major transitions, whether it’s preparing for retirement, navigating divorce, or managing the sale of a business. With a forward-thinking approach, we help clients not only address today’s financial complexities but also create clarity, confidence, and security for tomorrow.
We believe successful wealth management requires anticipation, adaptability, and a commitment to legacy. In an ever-changing world, we proactively identify risks and opportunities to ensure that our clients’ financial plans evolve with their needs. Our relationships are built on trust, transparency, and long-term collaboration, empowering clients with the knowledge and tools to make informed decisions while providing the care and expertise to help execute their vision. The Prospection Wealth Management Team is more than just a group of advisors—we are trusted partners dedicated to helping you navigate wealth with confidence and purpose.
We believe successful wealth management requires anticipation, adaptability, and a commitment to legacy. In an ever-changing world, we proactively identify risks and opportunities to ensure that our clients’ financial plans evolve with their needs. Our relationships are built on trust, transparency, and long-term collaboration, empowering clients with the knowledge and tools to make informed decisions while providing the care and expertise to help execute their vision. The Prospection Wealth Management Team is more than just a group of advisors—we are trusted partners dedicated to helping you navigate wealth with confidence and purpose.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
At the Prospection Wealth Management Group, we are dedicated to building deep and long-lasting client relationships based on trust and integrity. We are committed to providing you with a "one-stop shop" for all of your financial needs. Our differentiated process allows us to develop a comprehensive, customized solution for your family.
Step 1: Introduction
We begin with an informal discussion to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
Step 2: Discovery
We continue the dialogue by fostering an in-depth conversation where we can learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
Step 3: Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow and preserve your wealth.
Step 4: Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we initiate the investment recommendations and begin to implement the additional strategies we've discussed. These often encompass risk management and estate planning.
Step 5: Risk Review with Detail
Reviewing and managing you discretionary accounts in accordance with changing market conditions as well as your needs to make sure our strategy is in line with your risk tolerance.
Step 6: Ongoing Service
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 to achieve your goals.
Planning for Your Family’s Financial Needs
Financial Literacy
Whether you're just starting on your financial journey or looking to enhance your money management skills, our comprehensive financial literacy resources are here to guide you. Financial literacy is the foundation for making informed decisions about your money, investments, and overall financial well-being.
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Wealth Education
Financial literacy means being empowered with the knowledge to make smart financial decision during every stage of life. Discussing family finances is always important, but not always easy. Starting the conversation is a key step in long-term wealth planning.
Trust & Estate Planning
I am with you every step of the way. I analyze your tax and estate structures so that your characteristics are accurately incorporated in the asset allocation analysis performed for my clients.
Designations & Differentiators
The Prospection Wealth Management Group at Morgan Stanley is dedicated to delivering a Category of One experience for our clients. We are committed to further our experience through attaining designations to help better serve our clients. We pride ourselves on these achievements as we are able to use our experience and knowledge to help our clients take charge of their financial future and help achieve their goals.
Certified Financial Planner - CFP®
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.
Michael Kislin holds this designation.
Chartered Financial Analyst® - CFA®
CFA® Charterholders are individuals who have earned the right to use the CFA® designation granted by CFA Institute. These Charterholders have satisfied certain requirements, including completion of the CFA Program and required years of acceptable work experience.
Michael Kislin holds this designation.
Certified Investment Management Analyst - CIMA®
Certified Investment Management Analyst® (CIMA®) certification is the premiere international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be the highest level of advanced investment education for client-facing advisors.
Michael Kislin holds this designation.
Certified Divorce Financial Analyst - CDFA®
Founded in 1993, the Institute for Divorce Financial Analysts has certified more than 5,000 professionals across the United States and Canada. Candidates learn how to help their clients determine short-term and long-term financial impact of any proposed divorce settlement.
Michael Kislin holds this designation.
Certified Exit Planning Advisor - CEPA®
The Certified Exit Planning Advisor (CEPA®) credential is for professional advisors who want to effectively engage more business owners. Through the process of Exit Planning, owners can build more valuable companies, have stronger personal financial plans, and align their personal goals.
Michael Kislin holds this designation.
Chartered Retirement Planning Counselor - CRPC®
The Chartered Retirement Planning Counselor designation is offered through the College for Financial Planning. The CRPC program focuses on the pre-and post-retirement needs of individuals.
Carole Epstein holds this designation.
Morgan Stanley Investor Insights
Timely market thoughts, insights, and investment ideas from Morgan Stanley thought leaders.
GIC On the Markets
The latest edition of "On the Markets," a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Location
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-4859(914) 225-4859
Meet The Prospection Wealth Management Team
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(914) 225-0262(914) 225-0262
Jovi Viwatthanasorn
Wealth Management Associate
Phone:
(914) 225-0482(914) 225-0482
Annette Serniak
Senior Registered Associate
Phone:
(914) 225-0936(914) 225-0936
About Carole R Epstein
I began my professional career as a programmer for the Burrough’s Corporation. My programming work led to computer systems design and ultimately to a management level position at a major NY bank auditing their computer systems and their computer code. In 1982 - at the advent of the personal computer, I opened an Apple Computer store and ran that business in various forms over the next 20 years. I knew it was important to focus on retirement savings for both myself and our employees! As such, we put in place a money purchase plan (predecessor to the 401k!) for our employees. We had the responsibility of funding and investing for our employees. This was my first real exposure to the equity and bond markets – I found both interesting and provocative!
After 20 years as a small business owner and entrepreneur – I wanted to take my skills further. As a financial advisor, I could advise clients on investing as well as the many other aspects of good financial health. This transition enabled me to use my life and business experience to become a valued resource for my clients.
I have made my practice my own – through education, financial planning, retirement planning and legacy planning. I begin by learning and understanding the values, goals and priorities of my clients. We then set out to meet these goals in a way that respects the risks they are willing to take. We define success as meeting those goal and priorities. The financial plan becomes the GPS of our voyage.
On a personal note, I live in Armonk, NY with my husband of 47 years, Alan. We have a son. A daughter and 5 granddaughters – all who live in the NY metro area. I love to garden (perennial!) , cook (healthy!) , entertain (friends and family!) and travel (anywhere!). We are regular theatergoers and enjoy productions from Broadway to way-off-the-beaten-path productions.
After 20 years as a small business owner and entrepreneur – I wanted to take my skills further. As a financial advisor, I could advise clients on investing as well as the many other aspects of good financial health. This transition enabled me to use my life and business experience to become a valued resource for my clients.
I have made my practice my own – through education, financial planning, retirement planning and legacy planning. I begin by learning and understanding the values, goals and priorities of my clients. We then set out to meet these goals in a way that respects the risks they are willing to take. We define success as meeting those goal and priorities. The financial plan becomes the GPS of our voyage.
On a personal note, I live in Armonk, NY with my husband of 47 years, Alan. We have a son. A daughter and 5 granddaughters – all who live in the NY metro area. I love to garden (perennial!) , cook (healthy!) , entertain (friends and family!) and travel (anywhere!). We are regular theatergoers and enjoy productions from Broadway to way-off-the-beaten-path productions.
Securities Agent: CT, CO, RI, IA, FL, NY, NC, WA, MO, MA, IL, AZ, VT, PA, GA, VA, TN, DE, SC, OH, TX, NJ, CA, OR, DC, NH, MD, AK, MI, MT, NM, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279248
NMLS#: 1279248
About Michael B. Kislin
Major life transitions—such as retiring, divorcing, or selling a business—bring both opportunity and uncertainty. The stress of financial changes, shifting relationships, and redefining one’s identity can feel overwhelming. Without the right guidance, people risk making costly mistakes, missing key opportunities, or feeling adrift without a clear direction.
Many approach these transitions by focusing solely on the numbers—investments, tax strategies, and cash flow. While financial security is essential, it alone doesn’t bring clarity or peace of mind. True confidence comes from integrating financial decisions with emotional, mental, social, and even spiritual well-being. Without this holistic approach, individuals can find themselves feeling stuck, lost, or uncertain about what’s next.
That’s where I come in. As a wealth advisor specializing in life transitions, I help retirees, divorcees, and business owners align their financial strategies with their overall well-being. My approach goes beyond wealth management—I provide clarity, structure, and a purpose-driven framework so my clients can confidently embrace their next chapter. By combining financial expertise with a deep understanding of life’s complexities, I guide them toward decisions that bring both security and fulfillment.
In pursuit of my clients’ success, I have earned multiple industry designations and remain committed to continuous learning, expanding my expertise to provide our clients’ with the highest level of guidance and support.
• CFA® (Chartered Financial Analyst®): This prestigious designation attests to his expertise in investment management and financial analysis.
• CFP® (Certified Financial Planner®): Demonstrating his mastery in comprehensive financial planning, Michael guides his clients towards their long-term goals with confidence.
• CIMA® (Certified Investment Management Analyst®): With this advanced designation, he provides his clients with sophisticated investment strategies that are tailored to their specific needs.
• CDFA® (Certified Divorce Financial Analyst®): Michael is equipped to offer specialized financial guidance during the tumultuous times of divorce, ensuring that his clients make informed decisions.
• 40 Hour Divorce Mediation Training
• 20 Hour Divorce Collaboration Training
• CEPA® (Certified Exit Planning Advisor®): Michael is adept at assisting business owners in planning for a successful exit strategy, understanding the complexities of their transitions.
Many approach these transitions by focusing solely on the numbers—investments, tax strategies, and cash flow. While financial security is essential, it alone doesn’t bring clarity or peace of mind. True confidence comes from integrating financial decisions with emotional, mental, social, and even spiritual well-being. Without this holistic approach, individuals can find themselves feeling stuck, lost, or uncertain about what’s next.
That’s where I come in. As a wealth advisor specializing in life transitions, I help retirees, divorcees, and business owners align their financial strategies with their overall well-being. My approach goes beyond wealth management—I provide clarity, structure, and a purpose-driven framework so my clients can confidently embrace their next chapter. By combining financial expertise with a deep understanding of life’s complexities, I guide them toward decisions that bring both security and fulfillment.
In pursuit of my clients’ success, I have earned multiple industry designations and remain committed to continuous learning, expanding my expertise to provide our clients’ with the highest level of guidance and support.
• CFA® (Chartered Financial Analyst®): This prestigious designation attests to his expertise in investment management and financial analysis.
• CFP® (Certified Financial Planner®): Demonstrating his mastery in comprehensive financial planning, Michael guides his clients towards their long-term goals with confidence.
• CIMA® (Certified Investment Management Analyst®): With this advanced designation, he provides his clients with sophisticated investment strategies that are tailored to their specific needs.
• CDFA® (Certified Divorce Financial Analyst®): Michael is equipped to offer specialized financial guidance during the tumultuous times of divorce, ensuring that his clients make informed decisions.
• 40 Hour Divorce Mediation Training
• 20 Hour Divorce Collaboration Training
• CEPA® (Certified Exit Planning Advisor®): Michael is adept at assisting business owners in planning for a successful exit strategy, understanding the complexities of their transitions.
Securities Agent: CT, TN, OH, MT, MO, DC, VA, MI, AZ, WA, NY, NH, MD, GA, RI, NM, MA, DE, AK, NJ, ME, CO, NC, VT, TX, PA, SC, IL, FL, CA, OR, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 2551771
NMLS#: 2551771
About Annette Serniak
Series 7 and 66 licensed.
Contact Carole R Epstein
Contact Michael B. Kislin
Hear from Our Clients
I feel incredibly lucky to have such supportive financial advisors. They’ve been responsive to my needs and always available to address any concerns. They keep me updated on financial trends, ensuring I’m informed about market changes. I appreciate their proactive approach with quarterly reviews to assess my progress. Most importantly, they genuinely care about my long-term goals and offer thoughtful strategies to achieve them. I highly recommend this dedicated, knowledgeable team!
Debbie
Verified ClientSeptember 12, 2024
I have been extremely happy with the guidance, advice and responsiveness of Michael Kislin and his team.
I was so impressed with the client-focus demonstrated by Michael at his previous financial organization that I was very happy to follow him to Morgan Stanley, where he and the team have continued to provide guidance with a similar level of alacrity.
I highly recommend the Morgan Stanley Prospection Wealth Management Team.
Martin
Verified ClientSeptember 12, 2024
Working with Michael has been a pleasure. His guidance, personalized approach, and clear communication have given us confidence in our financial future. Michael truly cares about us and our goals and has helped us make smart, informed decisions. He makes himself available and addresses all our questions (big and small) in a clear and timely manner. Highly recommend!
Harrison & Caroline
Verified ClientSeptember 12, 2024
Working with Michael and Jovi from Morgan Stanley has been a pleasure. They are highly responsive, attentive to my needs, and have provided guidance in crafting a financial plan that made my transition to semi-retirement effortless. Their professionalism and personalized approach have given me confidence in my financial future. I highly recommend their services!
Howard
Verified ClientJanuary 21, 2024
Working with Michael at Morgan Stanley has been fantastic. He truly listens to our goals and has designed a thoughtful long-term plan tailored to our needs. His communication is exceptional—he explains complex concepts clearly and ensures we feel informed and confident.
He’s also incredibly responsive and always available for questions.
His professionalism, knowledge, and dedication make him an outstanding advisor, and we highly recommend him!
Alex & Christopher
Verified ClientJanuary 21, 2024
Leanne and I have been working with Michael Kislin and Jovi Viwatthanasorn for several years. The team is always responsive to our questions and anticipates our financial needs. In addition, they keep us up-to-date on all financial market conditions and help us adjust our investments as markets change. Moreover, Michael, in particular, has great "bedside manner", which helps as the financial environment gets more volatile. They are a great team to work with!
Richard and Leanne
Verified ClientSeptember 12, 2024
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Marianne Murphy
Private Banker
Mary Gelfand
Financial Planning Director
About Marianne Murphy
Marianne Murphy is a Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Marianne began her career in financial services in 2015, and joined Morgan Stanley in 2018 as an Associate Private Banker in NY PWM. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in Brooklyn, New York with her husband. Outside of the office, Marianne enjoys playing Softball for the Brooklyn Pickles and is always catching the latest released movies. She dedicates time to causes close to her, the Alzheimer’s Association, JDRF & Covenant House.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Marianne began her career in financial services in 2015, and joined Morgan Stanley in 2018 as an Associate Private Banker in NY PWM. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in Brooklyn, New York with her husband. Outside of the office, Marianne enjoys playing Softball for the Brooklyn Pickles and is always catching the latest released movies. She dedicates time to causes close to her, the Alzheimer’s Association, JDRF & Covenant House.
NMLS#: 1732135
About Mary Gelfand
Mary Gelfand is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in Westchester County, NY and Fairfield County, CT. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.
Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.
Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.
Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.
Wealth Management
Global Investment Office
Portfolio Insights
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
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Article Image
Ready to start a conversation? Contact The Prospection Wealth Management Team 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.
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
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
