Phone:
(727) 773-4697(727) 773-4697
The Sobel Group at Morgan Stanley
Direct:
(727) 773-4697(727) 773-4697
Our Mission Statement
Our goal is to deliver first class, relationship-based, holistic financial management experiences through our tailored wealth planning approach.
Our Story and Services
Founded in 1985 by David’s father, The Sobel Group has worked to help clients achieve their financial goals for the last 40 years. Continuing the family practice, David Sobel has led the effort to help generations of families and business owners manage their wealth and plan for the future, as his father, the founder of The Sobel Group did throughout his time in the business. The Sobel Group is proud to build on the legacy of our team and we work hard to continue to grow and expand our experience as well as the services we offer to ensure clients have the latest financial tools to help them navigate through the modern financial environment we live in today. At The Sobel Group, our clients are top of mind, and we strive to make sure all client needs are met with care and in a timely manner. We pride ourselves on our unique service model and our unwavering personal commitment to our clients and their families. In order to help you achieve your goals we create a customized financial plan that is tailored to fit you and your family's wants and wishes. We are privileged to have gained extensive experience in the financial services industry that we use to guide our practice day to day and through all market environments. With that experience, we are here to assist you as you go through all of life’s challenges, big events, and new achievements and we commit to doing so both diligently and with great attention to detail.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We will work with you to create a personalized strategy that is based on your life goals and plans for the future.
Learning About You
Understanding your needs is our top priority when building our relationship. We will begin by learning about you and your family's financial needs by uncovering your goals, discussing your tolerance for risk, and strategically planning based off of your time horizon.
Creating a Plan
After we form our relationship and receive a comprehensive understanding of your needs and goals we will create a strategic plan to follow moving forward. That strategic plan will be based off of your risk tolerance, investment objectives, and the aspirations you have for your legacy.
Implementation
We will work with you to ensure our strategic plan stays on track by closely monitoring market changes and presenting you with all suitable options when considering your portfolio. In addition, we will use Morgan Stanley's incredible resources to help us achieve all that we have planned to accomplish together.
Evaluation
Our team is committed to serving you and will be sure to check in to discuss all elements of your portfolio. We will evaluate our performance and adapt to revise our strategy based on the various life scenarios you may encounter. We are here to assist you in all of life's changes and will work with you to stay on top of your goals and achieve success.
Resources and Tools
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services
Learn More About Reserved Living & Giving
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
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
Goal 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 Goal Based Planning
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Spending and Budgeting Tool
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Tax Efficient Strategies
Tax-efficient investing techniques may help you lower your tax burden and grow your wealth. Here are strategies to consider.
Tax Effecient Strategies
2024 Tax Tables
Here are the federal tax tables for 2024 along with other useful information.
Learn More
Total Tax 365
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Read MoreResources for planning for your family's financial needs
Estate Planning
You have worked long and hard to achieve
success and build wealth for you and your
family. There have been numerous challenges
along the way. You may be at a point now
where your greatest challenge is preserving
your wealth and building a plan for its
transition to those you choose in a way
you choose.
Estate Planning Brochuresuccess and build wealth for you and your
family. There have been numerous challenges
along the way. You may be at a point now
where your greatest challenge is preserving
your wealth and building a plan for its
transition to those you choose in a way
you choose.
Charitable Giving
Morgan Stanley Global Impact Funding Trust, Inc. (Morgan Stanley GIFT) is pleased to take
this opportunity to provide you with an overview of some of the common methods that
individuals use to make charitable gifts, along with some important tips that you should keep
in mind.
Charitible Giving Reviewthis opportunity to provide you with an overview of some of the common methods that
individuals use to make charitable gifts, along with some important tips that you should keep
in mind.
Philanthropy Management
Your set of philanthropic objectives is as personal as your vision of a better world. Determining your objectives, however, can be challenging when there are so many worthy causes and so many unmet needs.
Strategic Philanthropy Management
Family Governance
As families flourish and achieve success, it’s not uncommon for them to reflect on what
accounts for their success, particularly when one of their goals is to help the family continue
to flourish and achieve. In order to preserve that success it is important to build a strong family governance system.
Family Governanceaccounts for their success, particularly when one of their goals is to help the family continue
to flourish and achieve. In order to preserve that success it is important to build a strong family governance system.
Wealth Education
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Financial Literacy
Wealth & Estate Planning Video Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Watch VideosAwards & Recognition
Throughout our careers, we have been honored to receive a number of prominent awards from both national and industry sources. We are proud of these achievements – not just for their own sake, but because we believe they show how committed we are to our clients in helping them achieve their financial goals.
Portfolio Management Director
The Portfolio Management Director designations allows Financial Advisors to manage investment advisory accounts on a discretionary basis.
Executive Director
Morgan Stanley Executive Director
Masters Club Member
David Sobel, Masters Club Member as of 2022
Forbes Best-In-State Wealth Advisor
[Source: Forbes (Awarded April 2024). Data compiled by SHOOK Research LLC for the period 6/30/22-6/30/23. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2024]
Forbes Best-In-State Wealth Management Teams 2025
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. https://www.morganstanley.com/disclosures/awards-disclosure.html
Location
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Direct:
(727) 773-4697(727) 773-4697
Meet The Sobel Group
Financial Advisor, Associate Vice President, Financial Planning Specialist, Portfolio Manager
Phone:
(727) 773-4651(727) 773-4651
Vannie Andolino
Registered Client Service Associate
Phone:
(727) 773-4698(727) 773-4698
Ivette Ramirez
Client Service Associate
About David J. Sobel, MBA
David graduated from Florida State University with a Bachelors in Economics and went on to obtain his Masters of Business Administration from Rollins College, Crummer Graduate School of Business. David has been with Morgan Stanley for nine years and serves as an Executive Director, Portfolio Management Director, Financial Planning Specialist and Financial Advisor. David is committed to helping his clients in any way he can and specifically specializes in portfolio management, holistic financial planning, business exit planning, retirement planning, tax planning, and insurance and annuities. He has received his Series 7 and 66 licenses as well as the 2-15 Life & Health Insurance licenses. David assists families, business owners, professionals, retirees, entrepreneurs, and ultra-high net worth individuals. Outside of work David enjoys doing outdoor activities with family, attending philanthropy events as well as business functions. David's utmost priority is the success of his clients and works diligently to help them achieve that success.
Securities Agent: PA, LA, SC, NV, MD, KS, CA, AL, WI, UT, VA, MO, GA, OH, ME, NJ, MN, IL, CT, DE, RI, OK, MA, IN, OR, DC, WA, VT, TN, NY, NC, MI, CO, TX, FL, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1479446
NMLS#: 1479446
About Britni Temme
Britni graduated from the University of South Florida and now serves as a Financial Advisor at Morgan Stanley with over seven years of experience in the financial industry. She is a Financial Planning Specialist and is passionate about helping her clients achieve their financial goals. Britni specializes in working with business owners, physicians, retirees, and high net worth families. She takes pride in being able to provide family office resources for her ultra-high net worth clients including specialty services on holistic financial planning, tax loss harvesting, retirement planning, education savings plans, and insurance and annuities. She has received her Series 7 and 66 licenses as well as the 2-15 Life & Health Insurance licenses. Britni is a member of Women in Wealth at Morgan Stanley and is involved in local organizations that focus on Women in Philanthropy. She is committed to giving back to her community and helping others.
Securities Agent: OR, TN, VT, WI, WA, VA, UT, TX, SC, RI, PA, OK, OH, NY, NV, NJ, NC, MO, MN, MI, ME, MD, LA, KS, IN, ID, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, MA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2359442
NMLS#: 2359442
About Vannie Andolino
Vannie graduated in 2021 with a Bachelor’s of Science in Business Administration, sub plan in Financial Services. Shortly after graduating she began her career in the finance industry at Morgan Stanley. Vannie is a Registered Client Service Associate with The Sobel Group. She is often the first point of contact on our team and coordinates all aspects of the client experience. Her primary role is to manage the operational needs for our clients, whether it be assisting with account openings, transaction requests, helping address financial questions, updating profile information, etc. Vannie is Series 7 and 66 registered, which means she can accept trades on your behalf. She is always willing to go above and beyond to answer and resolve your account related questions.
About Ivette Ramirez
Ivette Ramirez began her career in 1999 with Morgan Stanley-Dean Witter in New York City. Ivette uses her extensive 26 years of experience to support our team and provide exceptional service to clients. Ivette is looking forward to the many opportunities available to grow at Morgan Stanley, while using her 26 years of experience and fluency in Spanish to educate the Spanish community on the importance of Financial Planning.
She is SIE, Series 7, and Series 63 licensed & is currently pursuing her Series 65 license.
During her spare time, Ivette volunteers at Pasco County Animal Services, and has done so since 2014.
She is SIE, Series 7, and Series 63 licensed & is currently pursuing her Series 65 license.
During her spare time, Ivette volunteers at Pasco County Animal Services, and has done so since 2014.
Contact David J. Sobel, MBA
Contact Britni Temme
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Sobel Group today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
7Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
7Morgan 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.
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)
