Welcome to The Santa Monica Pier Group

Explore financial expertise and personalized service at The Santa Monica Pier Group, where Gabriel and Maria, alongside their esteemed colleagues, uphold Morgan Stanley's legacy of excellence. Our dedication is to provide an unparalleled experience for ultra-high net worth families, corporate executives, and highly compensated individuals nationwide.

We deliver tailored solutions to the most complex financial challenges with our unique focus on Financial Planning combined with our expertise in Equity Compensation advice.

Our LIFE approach simplifies your journey:

  • Listen – Learning your story is paramount to our collaboration's success.
  • Implement – Armed with a deep understanding of your needs, we craft tailored strategies within the framework of your comprehensive financial plan.
  • Frequent – Ongoing communication is the cornerstone for a healthy long-term relationship.
  • Evaluate – Recognizing your unique circumstances and dynamic market shifts, we're committed to refining your strategies for long-term success. Experience the difference with The Santa Monica Pier Group – where tradition meets innovation in financial excellence.
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Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Clients

Our approach to advising clients is comprehensive. It involves investments, of course, but it goes far beyond to encompass virtually every dimension of your financial life. Specifically, you can look to us for advice and guidance to help you with:
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    Financial Planning
    • Saving & Investment Strategies
    • Estate & Multi-Generational Planning
    • Tax Minimizing Strategies
    • Net Worth & Risk Analysis
    Financial Planning
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    Investment Management
    • Discretionary Portfolio Management
    • Alternative & Private Investments
    • Structured Investments
    • ESG Sustainable Investments
    Investment Management
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    Trust and Estate Planning
    • Wealth transfer strategies
    • Intergenerational needs
    • Trust and Estate Professionals
    • Philanthropy
    Trust and Estate Planning
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    Risk Management
    • Aladdin Portfolio Review
    • Hedging strategies
    • Interest Rate Risk Management
    • Creditor Protection Strategies
    Risk Management
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    Insurance
    • Permanent Life Insurance
    • Term Life
    • Long-Term Care
    • Disability
    Insurance
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    Philanthropy Management
    • Charitable Lead Trusts
    • Family Foundations
    • Donor-Advised Funds
    • Qualified Charitable Distributions
    Philanthropy Management
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    Morgan Stanley at Work
    • Equity Compensation
    • 10b5-1 Plan
    • Employee Stock Plan (ESPP, RSU, PSU, ISO, NQSO)
    • Equity Award Analysis
    MS at Work
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    Start Your Guidance
    Do you find yourself looking for advice in any of these categories? Speak to our team to see how we can help you.
    Schedule a Meeting

Working With You

Our clients look to us for advice that includes their investments but goes far beyond to encompass estate planning, insurance, lending strategies and other dimensions of their financial lives. That is why we employ a comprehensive financial planning approach that consists of the following steps:
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    Step 1: Initial Call
    An Initial Call in which we’ll discuss what you hope to get from a relationship with us. We’ll ask you about your previous experiences with Financial Advisors or on your own. And we’ll discuss what you perceive to be your major objectives and potential obstacles to achieving them.
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    Step 2: Discovery Meeting
    A Discovery Meeting in which we will take inventory of your finances and what you want your wealth to accomplish. We’ll identify your goals, attempt to quantify their cost and determine whether you have the resources to achieve them within your required timeframe.
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    Step 3: Plan Presentation
    A Plan Presentation Meeting in which we’ll present your financial plan and the strategies it suggests for filling any gaps between your goals and resources. Your plan will contain an asset allocation based on the size of those gaps and your risk tolerance.
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    Step 4: Plan Implementation
    Plan Implementation that involves brings your plan to life. This may entail additional consultation with Morgan Stanley professionals who focus on estate planning, lending strategies and other disciplines relevant to your situation. It will also involve the development of a personalized investment strategy.
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    Step 5: Ongoing Evaluation
    Ongoing Evaluation to help us determine whether you are proceeding toward your financial destination as anticipated. We monitor your performance on an ongoing basis and may alter our strategies to accommodate changing circumstances in your life or trends in the financial markets.
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    Next Steps...
    If this sounds like what you need to help gain confidence in your financial life and you’re ready to explore what that could look like, let’s schedule a time for a 30-minute connection conversation.
    Schedule a time to talk with our team

Financial Planning

Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, striving to align with your current and future goals.

Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
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    Designations
    • Certified Financial Planner (CFP®)
    • Chartered Retirement Plan Specialist (CRPS)
    • Certified in Long-Term Care (CLTC)

    Gabriel holds these designations.
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    Tax Management Services
    Learn how Morgan Stanley Tax Management Services can help efficiently manage your capital gains with a complimentary and fully personalized experience.
    Tax Management Services
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    LifeView Intelligent Planning
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
    LifeView Intelligent Planning Brochure
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    CashPlus: A Modern Alternative to Banking
    With a CashPlus brokerage account, you can manage your cash with a modern digital experience. Contact me to discuss or click here. Terms apply.
    CashPlus: A Modern Alternative to Banking
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    Intelligent Withdrawals
    Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money
    Intelligent Withdrawals Brochure
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    Aladdin - Intelligent Risk Management
    We will manage your portfolio risk effectively with the Portfolio Risk Platform - Powered by Aladdin. This platform offers comprehensive risk estimation and reporting for various asset classes and security types, providing an overview and detailed view to help enable effective monitoring and management.
    Aladdin - Intelligent Risk Management
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    Total Wealth View
    It’s hard to see the complete picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your financial advisor a full picture of your financial wealth and health.
    Total Wealth View
    Digital Vault
    Digital Vault
    Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
    Get Started Today

Make your Equity Award Work Toward your Larger Goals:

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Your employee stock and options can be a significant part of the wealth you've built over time to help meet the goals that matter to you. Converting that wealth to enable your dreams is often complex, and options can add another element of complexity due to their varying tax implications and vesting rules.

Do you Understand Your Equity Award Plan?

Your plan holdings may include options or stock-based compensation. With options, you are granted rights to purchase shares of the company stock at a pre-established price. With stock-based compensation, you are granted the company stock, subject to vesting requirements.

Understanding Your Equity Award Plan
A Primer to Help You Better Understand Employee Stock Option Valuation
How We Can Help

Understanding how your stock or option plan works is only the first step. We work with you articulate specific goals such as diversification, tax management, charitable gifting, or simply having enough cash to live on while you wait for an exit. Projecting a variety of multi-year scenarios, we help you make the best decisions you can to maximize this valuable asset.

Equity Award Analysis Sample Client Report
Vesting Events: A Financial Planning Perspective
Contact Our Team to Get Started
Schedule a Meeting

Location

100 Wilshire Blvd
Ste 1900
Santa Monica, CA 90401
US
Direct:
(310) 319-5217(310) 319-5217

Meet The Santa Monica Pier Group

Photo of Bryan Sims

Bryan Sims

Registered Client Service Associate
Phone:
(310) 319-5208(310) 319-5208

About Gabriel Torres

Gabriel is an elite financial planner with experience in Equity Compensation Consulting, Estate Planning, and delivering Comprehensive Wealth Management Strategies. With a solid foundation in building custom financial plans, Gabriel focuses on advising senior executives and their families on intricate matters related to equity compensation while also guiding clients through the complexities of Concentrated Stock Positions, Stock Options, and Restricted Stock. He takes a collaborative approach working closely with clients, their attorneys, and CPAs to optimize their financial strategies and address concerns, such as investment allocation, tax optimization, and risk mitigation.

Credentials Include:

· Certified Financial Planner®

· Chartered Retirement Plans Specialist®

· Certified Long-Term Care™

· Alternative Investments Director

· Portfolio Manager

· Workplace Advisor – Equity Compensation

Born in El Paso, TX, Gabe came to California as a student at Loyola Marymount University where he majored in Business Administration with an emphasis on Finance. He joined Wells Fargo upon graduation and was recruited to Morgan Stanley in 2012. He has spent the last two decades serving his clients and the community. With a passion for giving back, Gabe supports organizations that focus on homeless and underprivileged children. These include St. Joseph’s Center in Santa Monica and Safe Place for Youth in Venice. In addition, he serves on the Philanthropic Committee at Morgan Stanley’s Beverly Hills market.

Gabe resides in Ladera Heights with his wife Stacy, two young children, Hayley and Hunter, and his rescue puppies, Huck and Shadow. He loves to cook, read, and listen to music - preferably all at the same time.
Learn more about my specialty in Equity Compensation
Securities Agent: WI, MD, AZ, AK, OR, IL, FL, CT, OK, MN, NJ, DC, TN, TX, IN, UT, MA, HI, CA, VA, SC, PA, NY, NV, CO, WA, NC, MI, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1270116
CA Insurance License #: 0E88920

About Maria Chehade

As Head of Financial Planning for the Santa Monica Pier Group at Morgan Stanley, Maria excels at helping families and highly compensated individuals understand and organize their finances by creating custom financial plans. Maria meets with clients to determine what they want for themselves and what they fear might be standing in their way. Leveraging the latest in financial planning technology, she guides individuals in understanding key decisions through modeling and forecasting outcomes based on each unique circumstance.

Maria joined Morgan Stanley in 2015, shortly after graduating from The University of Maryland with a degree in Business Administration and a minor in International Business. Outside of the office, Maria loves spending time with family and friends, cooking, and hopes to resume her other passion – global travel – when the pandemic is safely behind us.
Learn more about my specialty in Equity Compensation
Securities Agent: IL, GA, SC, OK, TX, NC, MD, UT, HI, TN, IN, AZ, CA, AK, WA, PA, NV, MI, MA, CT, CO, WI, NY, DC, VA, MN, FL, OR, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1794296
CA Insurance License #: 2060695

About Bryan Sims

A Los Angeles native, Bryan lives in Culver City, California and enjoys running and hiking trails, going to music and art shows, and spending time with friends and family.

With a bachelor’s degree in communications from the University of California, San Diego, and over a decade of experience in client service, Bryan has devoted his career to developing relationships with clients. He joins Morgan Stanley with experience from Wells Fargo Advisors and First Republic's Private Wealth Management where he has played a key role in steering client requests never losing sight of their interests and ensuring they are handled with utmost care.
Wealth Management
Global Investment Office

Portfolio Insights

Read More about On the Markets
Read "On the Markets"

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
Learn More about Retirement
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
Learn More about Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Learn More about Family
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Learn More about Philanthropy
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
  • Reduce employee stress,
  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
Learn More about Financial Wellness
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.

Wealth Management for Athletes and Entertainers

Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
  • Investment Management
  • Wealth Transfer & Philanthropy
  • Private Banking Solutions
  • Family Governance & Wealth Education
  • Lifestyle Advisory
Learn More about Wealth Management for Athletes and Entertainers
You are your Own CEO: Build a Dream Team for Your Career
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You are your Own CEO: Build a Dream Team for Your Career

Assembling a team of trusted professionals to manage your career—and your money—is essential to help best position you to thrive. Here’s how.
Ready to start a conversation? Contact The Santa Monica Pier Group today.
Market Information Delayed 20 Minutes
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

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

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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.

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3Morgan 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.

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4Alternative 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.

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5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

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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

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7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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10Morgan 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.

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11Morgan 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.

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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.

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13When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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14Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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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)