Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Lending Specialist
Phone:
(212) 603-6120(212) 603-6120
The Summit Park Group at Morgan Stanley
Direct:
(212) 883-7700(212) 883-7700
Our Mission Statement
We provide strategic guidance and powerful resources to help you grow your wealth and pursue your most important goals.
Our Story and Services
Managing significant wealth is a considerable responsibility— especially because the stakes are high for your family and your future. Sometimes the demands of this task can make it difficult to concentrate on what matters most to you: pursuing personal and family aspirations, exploring new opportunities, and living the life you have always envisioned. At The Summit Park Group, we understand the complexities that come with building wealth and transitioning to new life stages. Our partners have run family businesses, launched new enterprises, and built successful corporate careers. Our diverse perspectives and experiences are what help us understand our clients, including successful entrepreneurs, executives, artists, and private investment professionals.
Our approach is relationship-based; we prioritize connecting with clients to develop a nuanced understanding of their needs, goals, and values. As CFP® and CIMA® professionals, we are well-equipped to deliver comprehensive, strategic financial planning and investment management advice. We also hold the Family Wealth Director designation, which is given to advisors who have extensive experience working with ultra-high net worth families and undergone specialized training. Family Wealth Directors have access to an extensive range of resources to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth. Together, these designations empower us to offer guidance that is both deeply informed and highly customized. We combine this expertise with the vast global capabilities of Morgan Stanley to help our clients articulate a vision for their future, and put a strategy in place to help realize it.
At The Summit Park Group, we believe in long-term relationships built on trust, respect, and superior service. We help clients preserve and grow their wealth through individualized planning, an integrated team approach, and an unwavering commitment to helping highly successful individuals and families manage the full spectrum of their financial affairs through multi-generational solutions and industry-leading resources.
Our approach is relationship-based; we prioritize connecting with clients to develop a nuanced understanding of their needs, goals, and values. As CFP® and CIMA® professionals, we are well-equipped to deliver comprehensive, strategic financial planning and investment management advice. We also hold the Family Wealth Director designation, which is given to advisors who have extensive experience working with ultra-high net worth families and undergone specialized training. Family Wealth Directors have access to an extensive range of resources to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth. Together, these designations empower us to offer guidance that is both deeply informed and highly customized. We combine this expertise with the vast global capabilities of Morgan Stanley to help our clients articulate a vision for their future, and put a strategy in place to help realize it.
At The Summit Park Group, we believe in long-term relationships built on trust, respect, and superior service. We help clients preserve and grow their wealth through individualized planning, an integrated team approach, and an unwavering commitment to helping highly successful individuals and families manage the full spectrum of their financial affairs through multi-generational solutions and industry-leading resources.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Alternative InvestmentsFootnote2
- Estate Planning StrategiesFootnote3
- Business Succession PlanningFootnote4
- Philanthropic ManagementFootnote5
- Executive Financial ServicesFootnote6
- Cash Management and Lending ProductsFootnote7
- Life InsuranceFootnote8
- Endowments and FoundationsFootnote9
- Sustainable InvestingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
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 to service:
Step 1: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 2: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success, such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping ensure a comprehensive financial plan. In this step, we also incorporate tax, trust, and estate considerations to help structure your wealth effectively and that ensure that your legacy goals are fully integrated into your plan.
Step 3: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.
Step 4: Implementation Meeting
The implementation meeting focuses on creating prospective strategies tailored for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 5: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
RESOURCES
Our team has compiled select resources exclusively offered by Morgan Stanley that are designed to provide a unique, elevated service when it comes to your wealth management needs. Below you will find a handful that are particularly relevant to the clients our team serves.
ART Resources Team
Given our experience, Morgan Stanley's Art Resources Team (ART), plays a particularly important role in our service model. Created with the purpose of assisting clients in understanding the integration of art into their portfolio, the team boasts a full suite of both internal and external services and regularly publishes content surrounding art and wealth management.
LifeView - Intelligent Planning
LifeView offers a suite of planning tools, including goal-specific analysis, that we use to create a realistic, holistic strategy that integrates the various aspects of your financial life.
Fill out the questionnaire below and contact us to begin the process of developing a personalized strategy for your long-term goals.
Morgan Stanley's Reserved Living & Giving
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Family Office Resources (FOR)
Family Office Resources (FOR) is structured to help clients define a guiding vision, translate that vision into effective strategies, and implement those strategies by calling on the tactical expertise of experienced experts. Accessed by Morgan Stanley advisors through UHNW Client Specialists, our capabilities span three complementary areas of focus: Governance & Legacy, Wealth Strategies, and Signature Access.
MS Gift & Donor Advised Funds (DAFS)
Charitable giving is among the highest of human aspirations, woven into the fabric of organizations, countries, and societies around the world. MS GIFT provides a unique way to give to charity through the use of Donor advised funds or, DAFs. Donor advised funds are among the easiest and most tax-advantaged ways to give to charity for donors across the spectrum of wealth.
ESG & Sustainable Investing
With the rise of sustainable investing, it is important to learn how your investments can make an impact, and how they may impact the market long-term.
HER WAY INITIATIVE
HER WAY PROGRAM HISTORY
In November 2017, Christina Paul, along with 13 other female financial advisors at Morgan Stanley's 522 5th Avenue office, created and hosted Morgan Stanley's first-ever HER Day. The goal of the event was to create an immersive experience to explore themes of health and wellness, personal and professional development, wealth, and philanthropy in a storytelling format, in sessions coined HER Talks. Featured speakers for the event included Gloria Steinem, a founder of Ms Magazine and the modern women's movement, Bobbi Brown, lifestyle and beauty entrepreneur, and Shelley O'Connor, Co-Head of Morgan Stanley Wealth Management.
The event reached over 1,000 women – 100 invitees in the room and others through a nationwide webcast. To build on the momentum of HER Day, HER Way was launched in 2018.
HER Way's mission is simple: ENGAGE, EMBRACE and EMPOWER women to live their best financial and personal lives. We do this by curating content and hosting regular events featuring dynamic speakers taking about the financial and personal issues that are important to women.
Want to learn more? E-mail minerva.flores@morganstanley.com to be added to our HER Way invite list for upcoming events.
PREVIOUS HER WAY EVENTS
Check out our previous HER Way eventsAWARDS AND DESIGNATIONS
CFP® - Certified Financial Planner™
Held by Christina Paul and Christina Hein, the Certified Financial Planner™ designation is awarded to candidates who have demonstrated knowledge in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning strategies. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CIMA® - Certified Investment Management Analyst®
Held by Christina Paul, Certified Investment Management Analyst® professionals are dedicated to elevating their practice through education, experience, examination and the highest standards of ethics. CIMA® professionals have the advanced investment management knowledge necessary to fully serve affluent clients, and they use that in-depth knowledge to analyze and select the investments that make the most sense for your circumstances.
Family Wealth Director
At Morgan Stanley, we have an elite group of Financial Advisors who earned the Family Wealth Director designation. It is given to those who have extensive experience working with ultra high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
Forbes Best-In-State Wealth Advisors (2020-2025)
Awarded to Christina Paul (2020-2025).
2020-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Top Women Wealth Advisors (2020-2023)
Awarded to Christina Paul.
2020-2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Working Mother Magazine's List of Top Wealth Advisor Moms (2019-2021)
Awarded to Christina Paul.
2019-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Morgan Stanley Master's Club (2014-2015, 2017-2023)
Awarded to Christina Paul.
Morgan Stanley Wealth Management Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Morgan Stanley President's Club (2016)
Awarded to Christina Paul.
Morgan Stanley Wealth Management Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 883-7700(212) 883-7700
Meet The Summit Park Group
Christina Hein, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(212) 603-6162(212) 603-6162
Phone:
(626) 584-3457(626) 584-3457
Blake Leibowitz
Registered Associate
Phone:
(212) 603-6197(212) 603-6197
Lawrence Zollo
Registered Associate
Phone:
(212) 603-6240(212) 603-6240
About Christina Paul
After graduating from the University of Albany with a double-major in Mathematics and Economics as well as receiving her Masters in Economics from Fordham University, Christina Paul began her career in the financial services industry in 1993. She started her career at Paine Webber, which was later acquired by UBS, moved to Morgan Stanley in 2009 where she continues her career as an Executive Director Financial Advisor. In addition to her 25 years of industry experience, Christina Paul holds both her Certified Financial Planner (CFP ®) and Certified Investment Management Analyst (CIMA ®) designations. As a Financial Advisor, Christina Paul assists high net worth clients with wide array of services. With a financial planning as the foundation, Christina is able to provide her clients with the effective strategies seeking to accomplish their financial goals. She executes these strategies through an effective use of investment management, life and health insurance, tax planning, and estate planning strategies. Christina lives in Brooklyn, NY with her husband and two children. In her free time, she remains constantly active between networking events, physical activity, and travel. She is part of the Steering Committee for the HER Way group at Morgan Stanley where she hosts events focused on educating and empowering women in their financial lives. In addition, she has a passion for rock climbing and hiking, and is constantly exploring new places.
Securities Agent: UT, CO, OH, NY, NH, MN, VT, VA, MO, ME, LA, NM, OR, KS, HI, WY, WA, TX, SC, PA, MA, AZ, IL, DC, CA, AL, NC, MT, MI, DE, CT, VI, MD, KY, GA, NE, SD, RI, NJ, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270237
CA Insurance License #: 0H53810
NMLS#: 1270237
CA Insurance License #: 0H53810
About Christina Hein
Christina Hein is a Financial Advisor and partner of The Summit Park Group, focusing on financial planning, investment management, and business development. Christina is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and uses financial planning as the backbone of her practice.
Christina focuses on working with clients who work in the financial industry, including private equity, hedge funds, and investment banking. She is familiar with their unique compensation structure and financial needs.
Christina attended Loyola University Maryland where she graduated at the top of her class in Business Economics. Originally from New Jersey, Christina now lives in Manhattan.
Christina focuses on working with clients who work in the financial industry, including private equity, hedge funds, and investment banking. She is familiar with their unique compensation structure and financial needs.
Christina attended Loyola University Maryland where she graduated at the top of her class in Business Economics. Originally from New Jersey, Christina now lives in Manhattan.
Securities Agent: AL, TX, MO, MI, ME, CT, CA, AZ, UT, SD, NY, NM, MA, IL, WA, VI, NE, MD, FL, DE, RI, MT, CO, VA, NH, NC, KY, GA, OH, HI, WY, ND, LA, OR, KS, DC, VT, SC, PA, MN, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2648666
NMLS#: 2648666
About Julie Forman
Julie Forman has been in the banking and financial services industry for over 27 years. Prior to joining Morgan Stanley in 2009, she was with UBS advising high-net worth families in private wealth management.
Before working on Wall Street, she co-founded and served as Vice President of Corporate Development for Third Pillar Systems, a commercial banking software company, where she was responsible for raising capital and investor relations.
Julie earned a Bachelor of Science Degree, Cum Laude, in Business and Psychology from Skidmore College in 1998, and was a member of the Periclean Honor Society during her years as an undergraduate. Julie lives in South Pasadena, CA, with her husband, Eric, and her two young children.
Before working on Wall Street, she co-founded and served as Vice President of Corporate Development for Third Pillar Systems, a commercial banking software company, where she was responsible for raising capital and investor relations.
Julie earned a Bachelor of Science Degree, Cum Laude, in Business and Psychology from Skidmore College in 1998, and was a member of the Periclean Honor Society during her years as an undergraduate. Julie lives in South Pasadena, CA, with her husband, Eric, and her two young children.
Securities Agent: TX, OH, PA, MD, OR, WY, CT, MI, ME, IL, FL, DC, VI, RI, NC, DE, SD, SC, KY, CA, VA, UT, NE, MT, NJ, NH, GA, CO, WA, NY, NM, MN, MA, AZ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 0F63937
CA Insurance License #: 0F63937
About Blake Leibowitz
As a Registered Associate with The Summit Park Group, Blake focuses on delivering the attentive, personalized service our clients expect from us. Blake is first point of contact for clients, his responsibilities include helping clients open accounts, preparing documentation, reviewing account performance, transferring client assets, and responding to other client inquiries.
Blake earned his degree in Political Science and Economics from the University of Delaware and holds the Series 7, 63 and 65 Licenses. Blake joined Morgan Stanley’s Virtual Engagement Desk in 2021 prior to becoming a member of the Summit Park Group in 2024. Blake currently resides in Brooklyn and enjoys traveling, golfing, and cooking.
Blake earned his degree in Political Science and Economics from the University of Delaware and holds the Series 7, 63 and 65 Licenses. Blake joined Morgan Stanley’s Virtual Engagement Desk in 2021 prior to becoming a member of the Summit Park Group in 2024. Blake currently resides in Brooklyn and enjoys traveling, golfing, and cooking.
About Lawrence Zollo
Lawrence Zollo is a Registered Associate with The Summit Park Group. As a member of the team, his primary responsibilities include investment analysis, fund manager selection, and asset allocation. He works closely with several advisors on the team to meet the investment objectives of a wide array of clients, and conducts due diligence regarding both public and private investments.
Prior to his employment at Morgan Stanley, Lawrence worked at a family office within the Private Client Division at Oppenheimer. He holds the Series 7 and Series 66 licenses, and is a registered agent of a Broker-Dealer and Investment Advisor. He earned his degree in Economics from the University of Connecticut, where he also studied Data Analytics. He currently resides in Manhattan.
Prior to his employment at Morgan Stanley, Lawrence worked at a family office within the Private Client Division at Oppenheimer. He holds the Series 7 and Series 66 licenses, and is a registered agent of a Broker-Dealer and Investment Advisor. He earned his degree in Economics from the University of Connecticut, where he also studied Data Analytics. He currently resides in Manhattan.
Contact Christina Paul
Contact Christina Hein
Contact Julie Forman
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
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
Rational Investing in an Age of Uncertainty
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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
Article Image
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Summit Park Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)