David DeLuca, CFP®, CEPA®
Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(904) 543-6930(904) 543-6930
The Sentinel Ponte Vedra Group at Morgan Stanley
Our Mission Statement
Seven Pillars. One Process.
For decades, our team has helped individuals, families, and institutions thrive in every facet of their financial life.
For decades, our team has helped individuals, families, and institutions thrive in every facet of their financial life.
MONITOR. SERVE. PROTECT.
That's what a sentinel does, and it's why we named our team The Sentinel Ponte Vedra Group. Our duty is to stand watch and help protect what matters most: the financial future you envision for yourself, your family, and your business.
At The Sentinel Ponte Vedra Group, we continuously challenge our team to elevate the client experience. We're always working to improve with one goal in mind: to help you reach yours. Whether you're a business owner looking to transition, a family interested in estate planning, or an individual preparing for retirement – our seasoned 5 member team's rigorous process and comprehensive service help protect, grow, and simplify your financial life.
With over 60 years of industry experience helping families, individuals, and institutions, our team is very proud to provide our clients with numerous designations and certifications including:
- 2 CERTIFIED FINANCIAL PLANNER™ - CFP® professionals
- Corporate Retirement Director
- Insurance Planning Director
- Financial Wellness Director
- Certified Investment Management Analyst® - CIMA®
- Chartered Retirement Plans Specialist® - CRPS®
- Qualified Plan Financial Consultant® - QPFC®
- Certified Exit Planning Advisor - CEPA
- Risk Management
- 3 Workplace Advisors for Equity Compensation
We have been recognized for our commitment and expertise:
- 2024 Forbes Florida Best-In-State Wealth Management Teams - The Sentinel Ponte Vedra Group at Morgan Stanley.
Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
- National Association of Plan Advisors (NAPA) Top Defined-Contribution Advisor Teams - The Sentinel Ponte Vedra Group at Morgan Stanley: 2021, 2022 & 2024.
2021, 2022, 2024 NAPA's Top DC Advisor Teams
Source: napa-net.org (Awarded 2021, 2022, 2024) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
- PLANADVISER Retirement Plan Adviser of the Year - John Mitsis: 2024
2024 PLANADVISER Retirement Plan Adviser of the Year. Source: planadviser.com (Awarded May 2024) Data compiled by ISS Media based on time period from November 2023 - March 2024.
- Forbes Best in State Wealth Advisor - David DeLuca: 2018, 2019
2018 - 2019 Forbes Best-In- State Wealth Advisors. Source: Forbes.com (Awarded 2018 - 2019). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
- Financial Times Top 401k Top Retirement Advisors - John Mitsis: 2015, 2017, 2019
2015, 2017, 2019 Financial Times 401 Top Retirement Advisors Source: ft.com. Data compiled by the Financial Times based the following time periods: Awarded 2019; data 12/31/15 - 12/31/18 Awarded 2017; data 12/31/14 - 12/31/16 Awarded 2015; data 9/30/13 -9/30/14
- National Association of Plan Advisors (NAPA) Gun's Top 50 Under 40 - John Mitsis: 2015
2015 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns) Source: napa-net.org (Nov 2015) Data compiled by NAPA based on time period from Aug 2014-Aug 2015.
If you'd like to have a conversation to see if we can help you with your goals, please call us at (904) 543-6930.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
7 Pillars. One Process.
As your financial advisory team, our goal is help simplify the complexities of your financial life. That’s why we offer a comprehensive process that bolsters the seven pillars of a sound financial future.
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach utilizing Morgan Stanley's industry leading modern wealth tools to provide the highest class of service to our clients.
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach utilizing Morgan Stanley's industry leading modern wealth tools to provide the highest class of service to our clients.
1. Wealth Management
What future do you envision for yourself, your family, and your business five, ten, and even twenty years down the road? What are your biggest concerns in the present? We start off our process by listening. Then we articulate a comprehensive financial plan that is uniquely yours – tailored to meet your objectives and address your specific needs.
2. Risk Management
Over the years, we’ve guided clients through bear markets, bull markets, and everything in between. We design financial plans that help secure your future against the unpredictable. We can also help you determine how much and what kinds of insurance coverage will best suit your long-term needs.
3. Cash
Particularly for retirees, business owners, and those who have suddenly accumulated a great deal of wealth – we help you balance spending with cash flow. It’s the foundation of a sustainable financial future.
4. Taxation
Intelligent asset location, withdrawal sequencing and tax loss harvesting can make a meaningful impact on after tax returns.
5. Legacy Planning
We have 2nd and 3rd generation clients for a reason. Our process creates financial plans for today and succession plans for tomorrow. In concert with your other key advisors, we provide estate reviews and multi-generational financial education.
6. Philanthropy
The question is not how much do you want to give but rather what impact do you want to have. We can help with everything from donor advised funds and charitable remainder trusts to foundation administration and impact investing.
7. Value Added Service
As your advisory team, we’re here for you whenever and however you need us. We’ll walk you through a large purchase. We’ll be a sounding board for your questions and concerns. We’ll help your adult children develop sound financial practices. When we say we’re a comprehensive service, we mean it.
Our Mission:
Our team works closely with businesses, institutions, and plan sponsors, offering innovative solutions to retirement planning, business planning, exit planning advisement, financial wellness solutions, and more. Backed by the power of Morgan Stanley, we can help you gain confidence and efficiency in your business management with a strong team, comprehensive services, and fiduciary support. Our goal is to design and help you administer a business solutions that are tailored to your unique needs.
Our Differentiator: John Mitsis, CRPS®, QPFC, CIMA®
Of Morgan Stanley’s more than 16,000 Financial Advisors, John Mitsis is among the 2% that qualified for the prestigious designation of Corporate Retirement Director as of April 2021. The CRD designation recognizes Financial Advisors who have dedicated their practice to helping corporate clients manage all aspects of their retirement plans. John also just recently received a new designation offered by the firm to be a Financial Wellness Director.
Why Your 401(k) Plan Needs a Financial Advisor
Our Differentiator: David DeLuca, CFP®, CEPA®
David DeLuca is among a select group of Financial Advisors that qualified for the prestigious designation of Certified Exit Planning Advisor (CEPA®). The CEPA designation recognizes Financial Advisors who have dedicated their practice to helping business owners succeed at exit planning and succession planning of their business. Since business owners typically reinvest a majority of their wealth back into their company while in operation, the sale of the business may be one of the biggest liquidity events of their lives and one that needs to be done correctly.
Selling Your Business - Succession Planning
Corporate Retirement Director Services:
• Improving participation rates & preparing employees for retirement
• Ongoing support in managing and shifting fiduciary responsibility
• Selecting and ongoing monitoring of plan investments
• Evaluating and choosing a record keeper/provider
• Understanding plan fees and expenses
• Analyzing and maximizing plan design
We can help you gain confidence and efficiency in your plan management with a strong team, comprehensive services, and fiduciary support. Our goal is to design and help you administer a retirement plan that helps:
• Reduce costs
• Provide employees the opportunity to generate income in retirement
• Manage your risk as a plan fiduciary
How We Help Plan Sponsors• Ongoing support in managing and shifting fiduciary responsibility
• Selecting and ongoing monitoring of plan investments
• Evaluating and choosing a record keeper/provider
• Understanding plan fees and expenses
• Analyzing and maximizing plan design
We can help you gain confidence and efficiency in your plan management with a strong team, comprehensive services, and fiduciary support. Our goal is to design and help you administer a retirement plan that helps:
• Reduce costs
• Provide employees the opportunity to generate income in retirement
• Manage your risk as a plan fiduciary
Certified Exit Planning Advisor (CEPA) Services:
• Improving business owners process of Exit Planning
• Ongoing support in managing and shifting business and personal financial plans
• Assist owners to build more valuable companies
• Evaluating and choosing a record keeper/provider
• Understanding your personal goals and how we can strive to achieve your goals through your business
Preparing for the Transaction of a Lifetime• Ongoing support in managing and shifting business and personal financial plans
• Assist owners to build more valuable companies
• Evaluating and choosing a record keeper/provider
• Understanding your personal goals and how we can strive to achieve your goals through your business
The Bottom Line:
At The Sentinel Ponte Vedra Group, our priority is to fully understand your investment objectives, your business needs, and your retirement plan services with the aim of delivering the comprehensive solutions your organization needs to thrive.
Retirement Plan Services
Working with You:
At The Sentinel Ponte Vedra Group, our priority is to fully understand your investment objectives, your business needs, and your retirement plan services with the aim of delivering the comprehensive solutions your organization needs to thrive.
Building a Family Enterprise That Lasts
Contact John to Start a Conversation:
Phone: 904-543-6932
Email: John.Mitsis@morganstanley.com
Click Here to Schedule a Meeting with John OnlineEmail: John.Mitsis@morganstanley.com
Contact David to Start a Conversation:
Phone: 904-543-6930
Email: David.J.Deluca@morganstanley.com
Click Here to Contact David OnlineEmail: David.J.Deluca@morganstanley.com
Our Clients:
Our clients represent a diverse range of individuals, families, and business owners. Some are health care professionals with young families looking to build a financial plan from scratch or evaluate their savings for retirement; while others are former senior executives seeking to maintain their lifestyle in retirement and establish their legacy. Others are business owners wanting guidance on an exit strategy or a deeper understanding of lending options. Still others are institutional clients: schools, colleges, and corporations who need detailed, large-scale corporate planning.
We're honored to serve the 2nd and 3rd generation of many clients. Our team's diverse age makeup is key here: we have the capability to guide our clients' children and grandchildren through important life stages with an intimate knowledge of their family's shared values and legacy goals.
Whether you've been our client for ten months or twenty years, our concierge-level commitment remains consistent. We go above and beyond to help you in any way we can, so you can continue thriving in your own professional, family, and personal life.
We're honored to serve the 2nd and 3rd generation of many clients. Our team's diverse age makeup is key here: we have the capability to guide our clients' children and grandchildren through important life stages with an intimate knowledge of their family's shared values and legacy goals.
Whether you've been our client for ten months or twenty years, our concierge-level commitment remains consistent. We go above and beyond to help you in any way we can, so you can continue thriving in your own professional, family, and personal life.
Marriage & Financial Planning
By understanding expectations, setting common goals, and mapping out life as a couple, there are a lot of ways you can build a healthy financial foundation for the future, together. Marriage is a special milestone, and our team is here to help adjust your plans to fit this new beginning.
Tying the Knot to Half and to Whole
Saving for College
While education costs continue to rise, saving early can help your family prepare. Read why starting to save while children are young can be so beneficial.
Planning Ahead
Retirement Planning
Retirement is an exciting part of your life. This article explains why having a strategy for retirement is essential. Our team will help you be financially equipped for retirement and guide you throughout this stage of life.
Is Your Portfolio Ready for Retirement?
Death of a Loved One
Losing a family member is very difficult. Our team can assist you and your family make financial decisions during this challenging time. This article details steps to take and how our team is able to help.
Family Assist
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured Solutions
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFTClient Resources
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach utilizing Morgan Stanley's industry leading modern wealth tools to provide the highest class of service to our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More About the Portfolio Risk Platform
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
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn MoreLocation
50 A1a North
Ste 112
Ponte Vedra Beach, FL 32082
US
Direct:
(904) 543-6930(904) 543-6930
Fax:
(904) 567-3052(904) 567-3052
Meet The Sentinel Ponte Vedra Group
Karen Rademeyer, CFP®
Financial Advisor, Workplace Advisor - Equity Compensation, Financial Planning Specialist
Phone:
(904) 543-6935(904) 543-6935
John Mitsis, CRPS®, QPFC, CIMA®
First Vice President, Financial Advisor, Corporate Retirement Director, Financial Wellness Director, Portfolio Manager, Workplace Advisor - Equity Compensation
Taylor Haire
Registered Associate
Phone:
(904) 543-6941(904) 543-6941
About David DeLuca
David DeLuca is a Senior Vice President, Financial Advisor, and Workplace Advisor for Equity Compensation with the Sentinel Ponte Vedra Group at Morgan Stanley. With over 30 years of industry experience, David focuses on financial planning and comprehensive wealth management for executives, corporations, and high net worth families looking to protect and grow their legacy.
After graduating first in his class with a Bachelor’s Degree in Finance from Drexel University, David began his professional career as an accountant. Deciding that he wanted his work to have a deep and direct impact on peoples’ lives, he then entered the wealth management industry with Merrill Lynch in 1992. There, he built his business from the ground up, formed a team with John and Karen, and earned his Certified Financial Planner® designation to further strengthen his offering to his clients. In 2020, he and The Sentinel Ponte Vedra Group came on board with Morgan Stanley.
Within the Sentinel Ponte Vedra Group, David places an emphasis on helping his clients protect the future they want for themselves, their businesses, and their families. This is a personal passion for him. Growing up seeing his own Mother struggle financially after the passing of his father – David prides himself on being an objective and trusted resource for his clients through all of life’s transitions. He believes in careful listening, custom planning, meticulous follow through, and rigorous monitoring. Taking a comprehensive approach based on the team’s “7 Pillars” process – David works tirelessly to help his clients streamline their finances and achieve their every goal.
Outside the office, David lives in Ponte Vedra Beach with his wife Kelly and their three daughters. He sits on the Board of Directors at Dreams Come True, a nonprofit dedicated to bringing hope and happiness to children battling life-threatening illnesses. As a fitness and outdoor fanatic, David spends much of his free time golfing, fishing, hiking, and cycling – and reading on rest days.
After graduating first in his class with a Bachelor’s Degree in Finance from Drexel University, David began his professional career as an accountant. Deciding that he wanted his work to have a deep and direct impact on peoples’ lives, he then entered the wealth management industry with Merrill Lynch in 1992. There, he built his business from the ground up, formed a team with John and Karen, and earned his Certified Financial Planner® designation to further strengthen his offering to his clients. In 2020, he and The Sentinel Ponte Vedra Group came on board with Morgan Stanley.
Within the Sentinel Ponte Vedra Group, David places an emphasis on helping his clients protect the future they want for themselves, their businesses, and their families. This is a personal passion for him. Growing up seeing his own Mother struggle financially after the passing of his father – David prides himself on being an objective and trusted resource for his clients through all of life’s transitions. He believes in careful listening, custom planning, meticulous follow through, and rigorous monitoring. Taking a comprehensive approach based on the team’s “7 Pillars” process – David works tirelessly to help his clients streamline their finances and achieve their every goal.
Outside the office, David lives in Ponte Vedra Beach with his wife Kelly and their three daughters. He sits on the Board of Directors at Dreams Come True, a nonprofit dedicated to bringing hope and happiness to children battling life-threatening illnesses. As a fitness and outdoor fanatic, David spends much of his free time golfing, fishing, hiking, and cycling – and reading on rest days.
Securities Agent: UT, MD, NJ, MA, DC, CA, WA, NY, AL, TN, PA, NC, WI, IL, WY, TX, OH, WV, LA, FL, CO, VA, GA, SC, KY, IA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 521764
NMLS#: 521764
About Karen Rademeyer
Karen Rademeyer is a Financial Advisor, and Workplace Advisor for Equity Compensation with the Sentinel Ponte Vedra Group at Morgan Stanley. Throughout her 16 plus years in the financial services industry, Karen has helped English and Spanish-speaking clients identify and overcome their financial obstacles and reach their long-term goals.
A graduate of the University of North Florida with a Bachelor’s Degree in Finance, Karen entered the financial industry as an advisor with Merrill Lynch. In 2010, she teamed up with John and David and has been working in partnership with them ever since. During this time, Karen also earned the rigorous designation of Certified Financial Planner™. In 2020, the team came on board with Morgan Stanley so that they could offer their clients an even more robust and comprehensive wealth management service.
Within the Sentinel Ponte Vedra Group, she focuses on comprehensive wealth management for a diverse array of clients. Originally from Ecuador, Karen knows what it means to achieve a long-term goal. Since she was a young girl, she knew she wanted a career in finance. In pursuit of that goal, she came to the States, learned the language, put herself through school, and climbed the industry rungs – all so that she could be where she is now. As an advisor, nothing gives her more professional satisfaction than helping her clients achieve their own long-term goals. To do that, she designs and executes rigorous financial plans that help her clients streamline and protect all aspects of their financial lives.
Karen has also served as a judge for the InvestWrite competition for the past four years, a role that reflects her passion for fostering financial literacy in young people. Through this program, she evaluates student essays on investment strategies, helping to inspire and empower the next generation to understand the stock market and long-term financial planning.
Among her favorite moments outside of the office, time is spent in St. Augustine with her family being loud and proud fans of the English soccer team – Liverpool – and attending University of Florida football games to support her daughter, who is a proud UF student. Go Gators!
A graduate of the University of North Florida with a Bachelor’s Degree in Finance, Karen entered the financial industry as an advisor with Merrill Lynch. In 2010, she teamed up with John and David and has been working in partnership with them ever since. During this time, Karen also earned the rigorous designation of Certified Financial Planner™. In 2020, the team came on board with Morgan Stanley so that they could offer their clients an even more robust and comprehensive wealth management service.
Within the Sentinel Ponte Vedra Group, she focuses on comprehensive wealth management for a diverse array of clients. Originally from Ecuador, Karen knows what it means to achieve a long-term goal. Since she was a young girl, she knew she wanted a career in finance. In pursuit of that goal, she came to the States, learned the language, put herself through school, and climbed the industry rungs – all so that she could be where she is now. As an advisor, nothing gives her more professional satisfaction than helping her clients achieve their own long-term goals. To do that, she designs and executes rigorous financial plans that help her clients streamline and protect all aspects of their financial lives.
Karen has also served as a judge for the InvestWrite competition for the past four years, a role that reflects her passion for fostering financial literacy in young people. Through this program, she evaluates student essays on investment strategies, helping to inspire and empower the next generation to understand the stock market and long-term financial planning.
Among her favorite moments outside of the office, time is spent in St. Augustine with her family being loud and proud fans of the English soccer team – Liverpool – and attending University of Florida football games to support her daughter, who is a proud UF student. Go Gators!
Securities Agent: MD, IL, NJ, MA, DC, CA, WI, NY, GA, CO, PA, KY, VA, UT, AL, WA, OH, NC, FL, WV, TN, SC, LA, IA, TX, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1281446
NMLS#: 1281446
About John Mitsis
John Mitsis is a First Vice President, Financial Advisor, Corporate Retirement Director, Financial Wellness Director, Portfolio Manager, and Workplace Advisor for Equity Compensation with the Sentinel Ponte Vedra Group at Morgan Stanley. For 20 years, John has been helping institutions, executives, business owners, and families achieve their retirement objectives and broader financial goals.
A graduate from the University of Florida with a Bachelor’s Degree in Finance, John also earned an MBA from the University of North Florida. From there, he joined Citigroup Smith Barney as a financial advisor, where he worked for three years before joining Merrill Lynch. In 2020, after eleven years at Merrill, he and the team came on board with Morgan Stanley. Always looking to better his practice, John has worked to earn a stable of rigorous certifications and designations, including Corporate Retirement Director, Chartered Retirement Plan Specialist®, Qualified Plan Financial Consultant®, and Certified Investment Management Analyst®.
John’s primary focus with The Sentinel Ponte Vedra Group is helping institutions and their executives articulate and achieve their retirement goals. With hands-on experience and the elite designation of Corporate Retirement Director, he offers robust retirement plan solutions for institutions of all sizes and industries. His approach is very process-oriented, and he places a strong emphasis on financial planning. The son of Greek immigrants, John knows well the risks and rewards inherent to living the American Dream and running your own small business. Now, as financial advisor, he aims to help his clients live out their own American Dream – whether that means selling or growing their business, handing it off to a family member, or something else entirely.
Outside the office, John lives in Ponte Vedra Beach with his wife, Shirin, and is the proud father of two daughters. An active member the Gator Bowl Association and Jacksonville Sports Council who enjoys golfing – he ultimately defines himself as a “Girl Dad,” spending much of his free time going to their theater performances and recitals.
A graduate from the University of Florida with a Bachelor’s Degree in Finance, John also earned an MBA from the University of North Florida. From there, he joined Citigroup Smith Barney as a financial advisor, where he worked for three years before joining Merrill Lynch. In 2020, after eleven years at Merrill, he and the team came on board with Morgan Stanley. Always looking to better his practice, John has worked to earn a stable of rigorous certifications and designations, including Corporate Retirement Director, Chartered Retirement Plan Specialist®, Qualified Plan Financial Consultant®, and Certified Investment Management Analyst®.
John’s primary focus with The Sentinel Ponte Vedra Group is helping institutions and their executives articulate and achieve their retirement goals. With hands-on experience and the elite designation of Corporate Retirement Director, he offers robust retirement plan solutions for institutions of all sizes and industries. His approach is very process-oriented, and he places a strong emphasis on financial planning. The son of Greek immigrants, John knows well the risks and rewards inherent to living the American Dream and running your own small business. Now, as financial advisor, he aims to help his clients live out their own American Dream – whether that means selling or growing their business, handing it off to a family member, or something else entirely.
Outside the office, John lives in Ponte Vedra Beach with his wife, Shirin, and is the proud father of two daughters. An active member the Gator Bowl Association and Jacksonville Sports Council who enjoys golfing – he ultimately defines himself as a “Girl Dad,” spending much of his free time going to their theater performances and recitals.
Securities Agent: WA, SC, NJ, WV, MA, WY, VA, PA, DC, UT, TX, NY, CO, KY, CA, IA, NC, MD, GA, FL, LA, IL, AL, WI, OH, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 521049
NMLS#: 521049
About Taylor Haire
Taylor Haire serves as a Registered Client Service Associate with Morgan Stanley Wealth Management working closely with the Wealth Advisors of the Sentinel Ponte Vedra Group. Her primary responsibility is to handle the day-to-day operational and administrative responsibilities. She is committed to providing outstanding customer service, and does so through her attention to detail. She holds the Series 7 and Series 66 licenses.
Prior to joining Morgan Stanley, Taylor worked at Merrill Edge as a Financial Services Representative. Taylor graduated with honors from the University of North Florida in 2019 with Bachelor Degree’s in both Finance and Financial Services.
Outside of the office, Taylor lives in Jacksonville, FL. In her free time, she enjoys doing yoga, reading books, and spending time with her friends and family.
Prior to joining Morgan Stanley, Taylor worked at Merrill Edge as a Financial Services Representative. Taylor graduated with honors from the University of North Florida in 2019 with Bachelor Degree’s in both Finance and Financial Services.
Outside of the office, Taylor lives in Jacksonville, FL. In her free time, she enjoys doing yoga, reading books, and spending time with her friends and family.
Contact David DeLuca
Contact Karen Rademeyer
Contact John Mitsis
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
Robert Mickler
Private Banker
Rachael Crapsi, CFP®
Financial Planning Director, Vice President
Mark Jansen
Family Office Resources Generalist
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
About Rachael Crapsi
Rachael Crapsi, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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.
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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Morgan 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.
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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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), 3582895 (6/2024)
