Phone:
(401) 276-5945(401) 276-5945
The Richard and Kuhn Group at Morgan Stanley
Direct:
(401) 863-8454(401) 863-8454
Toll-Free:
(800) 556-7757(800) 556-7757
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
Our Story
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
1 Financial Plaza
19th Fl
Providence, RI 02903
US
Direct:
(401) 863-8454(401) 863-8454
Toll-Free:
(800) 556-7757(800) 556-7757
Meet The Richard and Kuhn Group
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Alternative Investments Director, Corporate Retirement Director
Phone:
(401) 863-8454(401) 863-8454
Samantha J. Frimodig
Wealth Management Associate
Phone:
(401) 863-8409(401) 863-8409
Tatiana Cardona Santa
Client Service Associate
Phone:
(401) 863-8407(401) 863-8407
About Michael Richard
Michael P. Richard, CFP®
Senior Vice President
Financial Advisor
Financial Planning Specialist
Michael P. Richard, CFP® is a Financial Advisor and Senior Vice President in the Providence, RI office of Morgan Stanley. Michael began his career as a Financial Advisor in 1994 with Morgan Stanley. He focuses on wealth planning strategies for high net worth individuals, comprehensive retirement income planning, and investment management. Michael takes great pride in having helped several hundred clients achieve their personal and financial goals.
Michael received his Bachelor of Science degree in Business Administration and his Certificate of Financial Planning from Bryant College. He holds his FINRA Series 7 (General Securities Representative) license, Series 63 and 65 (Registered Investment Advisor) licenses, Life & Health Insurance Licenses, and is a CERTIFIED FINANCIAL PLANNER™ professional.
Outside of Morgan Stanley, Michael is active in his community as a member of the Board of Directors and Coach for Little League and Softball in North Kingstown where he resides. He enjoys being active with his three children, golfing, and watching football.
Senior Vice President
Financial Advisor
Financial Planning Specialist
Michael P. Richard, CFP® is a Financial Advisor and Senior Vice President in the Providence, RI office of Morgan Stanley. Michael began his career as a Financial Advisor in 1994 with Morgan Stanley. He focuses on wealth planning strategies for high net worth individuals, comprehensive retirement income planning, and investment management. Michael takes great pride in having helped several hundred clients achieve their personal and financial goals.
Michael received his Bachelor of Science degree in Business Administration and his Certificate of Financial Planning from Bryant College. He holds his FINRA Series 7 (General Securities Representative) license, Series 63 and 65 (Registered Investment Advisor) licenses, Life & Health Insurance Licenses, and is a CERTIFIED FINANCIAL PLANNER™ professional.
Outside of Morgan Stanley, Michael is active in his community as a member of the Board of Directors and Coach for Little League and Softball in North Kingstown where he resides. He enjoys being active with his three children, golfing, and watching football.
Securities Agent: GA, AZ, CT, VA, NV, IN, RI, CA, NH, MD, AR, MA, LA, FL, SC, PA, ME, IL, VT, NC, TX, NY, HI; General Securities Representative; Investment Advisor Representative
About Daniel C. Kuhn
Daniel C. Kuhn, CFP®, CEPA®, QPFC®
Senior Vice President
Financial Advisor
Financial Planning Specialist
Alternative Investments Director
Corporate Retirement Director
Daniel C. Kuhn, CFP®, CEPA®, QPFC® has been a Financial Advisor at Morgan Stanley since 2012. He focuses on wealth management for high net worth individuals, tailoring comprehensive financial plans to help meet the client’s goals, and managing investment strategies.
Dan earned his Bachelor of Science degree in finance from Rhode Island College, Master of Business Administration from the University of Rhode Island, and Certificate in Financial Planning from Bryant University. He holds the Certified Financial Planner™ designation from the CFP Board.
Dan is actively involved in Morgan Stanley’s Veteran’s Employee Networking Group which helps raise money for local Veteran’s charities and focuses on hiring Veterans. He is a board member of the Rhode Island Military Families Relief Fund and volunteers with several other local Veterans’ charities. He is a Master Gunnery Sergeant in the Marine Corps Reserve and has been actively serving for the last 24 years. He is a Veteran of 3 combat tours of duty in Iraq.
Senior Vice President
Financial Advisor
Financial Planning Specialist
Alternative Investments Director
Corporate Retirement Director
Daniel C. Kuhn, CFP®, CEPA®, QPFC® has been a Financial Advisor at Morgan Stanley since 2012. He focuses on wealth management for high net worth individuals, tailoring comprehensive financial plans to help meet the client’s goals, and managing investment strategies.
Dan earned his Bachelor of Science degree in finance from Rhode Island College, Master of Business Administration from the University of Rhode Island, and Certificate in Financial Planning from Bryant University. He holds the Certified Financial Planner™ designation from the CFP Board.
Dan is actively involved in Morgan Stanley’s Veteran’s Employee Networking Group which helps raise money for local Veteran’s charities and focuses on hiring Veterans. He is a board member of the Rhode Island Military Families Relief Fund and volunteers with several other local Veterans’ charities. He is a Master Gunnery Sergeant in the Marine Corps Reserve and has been actively serving for the last 24 years. He is a Veteran of 3 combat tours of duty in Iraq.
Securities Agent: IL, NH, MA, LA, FL, NY, NV, RI, CA, IN, GA, TX, NC, VT, OR, MD, VA, PA, HI, ME, CT, AZ, SC, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274654
NMLS#: 1274654
About Samantha J. Frimodig
Samantha J. Frimodig has been with Morgan Stanley since 2014 and serves as the Wealth Management Associate for The Richard and Kuhn Group. She provides clients with white-glove service and is responsible for managing operations for the team, resulting in a first-class client experience.
Samantha earned a Bachelor of Science degree from The University of Vermont and enjoyed more than a decade of working in animal care. Originally from Vermont, Samantha also lived in New Hampshire and Florida before settling in Rhode Island in 2018.
She holds a FINRA Series 7 License (General Securities Representative), Series 66 License (Registered Investment Advisor/Uniform Securities Agent), and her Life & Health Insurance Licenses.
Outside of the office, Samantha enjoys travelling, playing piano, and Pilates. She lives in North Kingstown with her husband, two daughters, and German Shorthaired Pointer named Luna.
Samantha earned a Bachelor of Science degree from The University of Vermont and enjoyed more than a decade of working in animal care. Originally from Vermont, Samantha also lived in New Hampshire and Florida before settling in Rhode Island in 2018.
She holds a FINRA Series 7 License (General Securities Representative), Series 66 License (Registered Investment Advisor/Uniform Securities Agent), and her Life & Health Insurance Licenses.
Outside of the office, Samantha enjoys travelling, playing piano, and Pilates. She lives in North Kingstown with her husband, two daughters, and German Shorthaired Pointer named Luna.
About Tatiana Cardona Santa
Tatiana Cardona Santa joined The Richard and Kuhn Group at Morgan Stanley as a Client Service Associate in December of 2024. She delivers exceptional client service and provides comprehensive administrative support for the team.
Tatiana graduated from The University of Rhode Island with a Bachelor of Science degree, and recently passed her SIE exam. She is currently studying for the Series 7 and Series 66 licensing exams.
Tatiana was born in Colombia but has lived in Rhode Island from a very young age and is fluent in Spanish. When not in the office, she enjoys connecting with loved ones, travelling internationally, and learning about diverse cultures. She lives in Central Falls with her two dogs and two cats.
Tatiana graduated from The University of Rhode Island with a Bachelor of Science degree, and recently passed her SIE exam. She is currently studying for the Series 7 and Series 66 licensing exams.
Tatiana was born in Colombia but has lived in Rhode Island from a very young age and is fluent in Spanish. When not in the office, she enjoys connecting with loved ones, travelling internationally, and learning about diverse cultures. She lives in Central Falls with her two dogs and two cats.
Contact Michael Richard
Contact Daniel C. Kuhn
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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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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 Richard and Kuhn Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Investors 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Investors 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
