Jason DaCunha, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Lending Specialist, Alternative Investments Director
Phone:
(973) 425-8518(973) 425-8518
The Willowwood Group at Morgan Stanley
Direct:
(877) 517-8726(877) 517-8726
Our Mission Statement
Our mission is to be your primary advisor as you navigate the complexities of your wealth and help you live out the life you envision for you and your loved ones.
Meet The Willowwood Group At Morgan Stanley
The origin of our team’s name comes from the Willowwood Arboretum, a hidden gem in Far Hills NJ, with a rich history. It is the most continually growing arboretum in the state and is filled with beautiful trees, gardens and meadows that grow year-round, even through the winter. Willow trees, especially known at the arboretum, not only survive but thrive in the most challenging weather conditions. The willow is flexible, adaptable and represents growth and security.
Building, preserving, and transferring your family’s wealth brings complexities along the way. The Willowwood Group at Morgan Stanley is dedicated to growing alongside you with each branch that extends, and we help you navigate challenging conditions. Just as the willow tree’s needs change as they flourish, we will grow with you as your needs change throughout your life’s transitions.
Dating back over three decades our team has deep roots; we are firmly planted and committed to the multi-generational families we serve. By following our mission to provide a consistent process, first-class service model and concierge capabilities, we are here for the long term. Our clients always come first and our relationships with you are paramount. Our goal is to be your primary financial advisors, working in tandem with your tax and legal professionals to always help you make the most informed financial decisions for you and your loved ones.
Building, preserving, and transferring your family’s wealth brings complexities along the way. The Willowwood Group at Morgan Stanley is dedicated to growing alongside you with each branch that extends, and we help you navigate challenging conditions. Just as the willow tree’s needs change as they flourish, we will grow with you as your needs change throughout your life’s transitions.
Dating back over three decades our team has deep roots; we are firmly planted and committed to the multi-generational families we serve. By following our mission to provide a consistent process, first-class service model and concierge capabilities, we are here for the long term. Our clients always come first and our relationships with you are paramount. Our goal is to be your primary financial advisors, working in tandem with your tax and legal professionals to always help you make the most informed financial decisions for you and your loved ones.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Philanthropic ManagementFootnote4
- Wealth ManagementFootnote5
- Sustainable InvestingFootnote6
- Alternative InvestmentsFootnote7
- Life InsuranceFootnote8
- Trust AccountsFootnote9
- Cash Management and Lending ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Capabilities
Your Equity Plan
We understand that navigating corporate equity plans in an increasingly complex environment is a challenge. We also recognize that your equity plan can represent a significant investment. That’s why we’re here to help you get it right.
Our teams Wealth Advisors for Equity Compensation Leta Davis and Kaden Bernstein will:
• Work with you to help you define your goals.
• Review your holdings and discuss strategies to help you maximize the value of your equity.
• Model strategies and help develop 10b5-1 plans when needed.
• Access regulatory guidance when needed.
• Serve as a direct point of contact for your stock plan inquiries.
Our aim is simple: to help make sure that your equity compensation strategy is customized to align with your broader financial goals.
Our teams Wealth Advisors for Equity Compensation Leta Davis and Kaden Bernstein will:
• Work with you to help you define your goals.
• Review your holdings and discuss strategies to help you maximize the value of your equity.
• Model strategies and help develop 10b5-1 plans when needed.
• Access regulatory guidance when needed.
• Serve as a direct point of contact for your stock plan inquiries.
Our aim is simple: to help make sure that your equity compensation strategy is customized to align with your broader financial goals.
***Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from and independent tax or legal advisor.
We have gathered some essential resources offered through Morgan Stanley. For more information on these or any other services, please reach out to our team - TheWillowwoodGroup@morganstanley.com
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money, check deposits or transferring funds.
Mobile App & Online Wealth Management | Morgan Stanley- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money, check deposits or transferring funds.
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Online Financial Tools | Morgan StanleyThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Cybersecurity Resources
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do.
Security Center - How We Protect You | Morgan Stanley
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 How We Mitigate Client Risk
Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services
Reserved L&G Home | Morgan StanleyPlease join us for the following events -
Check back often for updated events. Feel free to reach out to our team at TheWillowwoodGroup@MorganStanley.com with any questions.
Introduction to Money & Saving: Building a Strong Financial Foundation
This event took place on 0/01/24. If you would like to join us for our next event, please email our team at TheWillowwoodGroup@morganstanley.com
This session was an introduction to personal finance with a focus on beginning to build a strong financial foundation. We discussed goal setting, cash flow, budgeting and saving strategies and the power of compounding interest.
Click here to registerThis session was an introduction to personal finance with a focus on beginning to build a strong financial foundation. We discussed goal setting, cash flow, budgeting and saving strategies and the power of compounding interest.
Credit and Debt Management
This event is taking place on Monday, May 6 at 4:00 – 5:00 p.m. ET
This session will be aimed at empowering you with essential knowledge on credit and debt management so you can understand how to establish credit, understand credit history, demystify credit scores and navigate the world of lending in order to make informed decisions about your financial future.
Click here to registerThis session will be aimed at empowering you with essential knowledge on credit and debt management so you can understand how to establish credit, understand credit history, demystify credit scores and navigate the world of lending in order to make informed decisions about your financial future.
Cybersecurity
This event is taking place on Monday, June 3 at 4:00 – 5:00 p.m. ET
This session will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. We will also cover practical strategies to stay safe in today’s digital landscape.
Click here to registerThis session will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. We will also cover practical strategies to stay safe in today’s digital landscape.
Exploring Investments: Stocks, Bonds, and Beyond
This event is taking place on Monday, July 1 at 4:00 – 5:00 p.m. ET
This session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Click here to registerThis session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Lessons in Leadership with Larry Fitzgerald, Jr.
This event took place on 08/23/23. If you would like to receive a link to the replay, please email our team at TheWillowwoodGroup@morganstanley.com
*****
Wednesday | August, 23 | 4:30 pm ET
Join Morgan Stanley on August 23 for an exclusive conversation with NFL great and financial education advocate Larry Fitzgerald, Jr. Widely known for his accomplishments as a wide receiver with the Arizona Cardinals for 17 seasons, he is most proud of his achievements as a philanthropist, business leader and investor off the football field.
Larry has made an indelible impact through his eponymous foundation, creating opportunities and providing resources for young people in underserved communities as well as women, men and families impacted by breast cancer. A passionate mentor and lifelong learner, he is committed to empowering the next generation with the financial literacy skills necessary to make healthy and mindful decisions in the short and long terms.
This conversation will be moderated by Sandra L. Richards, Managing Director, Head of Global Sports & Entertainment and Segment Sales & Engagement, Morgan Stanley Wealth Management, with an introduction by Andrea Zaretsky, Managing Director, Chief Marketing Officer, Morgan Stanley Wealth Management.
Click here to register*****
Wednesday | August, 23 | 4:30 pm ET
Join Morgan Stanley on August 23 for an exclusive conversation with NFL great and financial education advocate Larry Fitzgerald, Jr. Widely known for his accomplishments as a wide receiver with the Arizona Cardinals for 17 seasons, he is most proud of his achievements as a philanthropist, business leader and investor off the football field.
Larry has made an indelible impact through his eponymous foundation, creating opportunities and providing resources for young people in underserved communities as well as women, men and families impacted by breast cancer. A passionate mentor and lifelong learner, he is committed to empowering the next generation with the financial literacy skills necessary to make healthy and mindful decisions in the short and long terms.
This conversation will be moderated by Sandra L. Richards, Managing Director, Head of Global Sports & Entertainment and Segment Sales & Engagement, Morgan Stanley Wealth Management, with an introduction by Andrea Zaretsky, Managing Director, Chief Marketing Officer, Morgan Stanley Wealth Management.
Virtual Book Club
This event took place on 05/04/23. If you would like to join us for our next virtual book club, please email our team at TheWillowwoodGroup@morganstanley.com
*****
Susan and Jason would like to extend an invitation to The Willowwood Group's May Virtual Book Club.
Our book selection is Before We Visit The Goddess by Chitra Banerjee Divakaruni.
We are excited to announce that the author Chitra Banerjee Divakaruni will join us via Zoom to discuss her book on May 4th at 2pm ET
To reserve your spot and receive a complimentary autographed copy of the book, please email or call our team:
TheWillowwoodGroup@morganstanley.com
877.517.8726
*****
Susan and Jason would like to extend an invitation to The Willowwood Group's May Virtual Book Club.
Our book selection is Before We Visit The Goddess by Chitra Banerjee Divakaruni.
We are excited to announce that the author Chitra Banerjee Divakaruni will join us via Zoom to discuss her book on May 4th at 2pm ET
To reserve your spot and receive a complimentary autographed copy of the book, please email or call our team:
TheWillowwoodGroup@morganstanley.com
877.517.8726
Virtual Book Club
This event took place on 11/03/22. If you would like to join us for our next virtual book club, please email our team at TheWillowwoodGroup@morganstanley.com
*****
Susan and Jason would like to extend an invitation to The Willowwood Group's November Virtual Book Club.
Our book selection is Lessons in Chemistry by Bonnie Garmus
We are excited to announce that the author Bonnie Garmus will join us via Zoom to discuss her book on November 3rd at 1pm ET
To reserve your spot and receive a complimentary autographed copy of the book, please email or call our team:
TheWillowwoodGroup@morganstanley.com
877.517.8726
Click Here to View Invitation*****
Susan and Jason would like to extend an invitation to The Willowwood Group's November Virtual Book Club.
Our book selection is Lessons in Chemistry by Bonnie Garmus
We are excited to announce that the author Bonnie Garmus will join us via Zoom to discuss her book on November 3rd at 1pm ET
To reserve your spot and receive a complimentary autographed copy of the book, please email or call our team:
TheWillowwoodGroup@morganstanley.com
877.517.8726
Virtual Book Club
This event took place on 06/16/22. If you would like to join us for our next virtual book club, please email our team at TheWillowwoodGroup@morganstanley.com
*****
Susan and Jason would like to extend an invitation to The Willowwood Group's inaugural Virtual Book Club.
Our book selection is The Forest of Vanishing Stars by Kristin Harmel.
We are excited to announce that the author Kristin Harmel will join us via Zoom to discuss her book on June 16th at 2pm ET
To reserve your spot and receive a complimentary autographed copy of the book, please email or call our team:
TheWillowwoodGroup@morganstanley.com
877.517.8726
Click Here to View Invitation*****
Susan and Jason would like to extend an invitation to The Willowwood Group's inaugural Virtual Book Club.
Our book selection is The Forest of Vanishing Stars by Kristin Harmel.
We are excited to announce that the author Kristin Harmel will join us via Zoom to discuss her book on June 16th at 2pm ET
To reserve your spot and receive a complimentary autographed copy of the book, please email or call our team:
TheWillowwoodGroup@morganstanley.com
877.517.8726
Stage, Screen and Service with Gary Sinise
This event took place on 5/24/22. If you would like to receive a replay link, please email our team at TheWillowwoodGroup@morganstanley.com
*****
Tuesday May 24th 8PM ET
In recognition of Memorial Day and in honor of the brave men and women who dedicate their lives to ensuring national security and defending freedom worldwide, Morgan Stanley is proud to bring you a conversation with actor, humanitarian and founder of the Gary Sinise Foundation, the incomparable Gary Sinise.
This conversation will be moderated by Curt Peterson, Managing Director, Regional Director of the Pacific Coast Region, Morgan Stanley.
Click Here to Register*****
Tuesday May 24th 8PM ET
In recognition of Memorial Day and in honor of the brave men and women who dedicate their lives to ensuring national security and defending freedom worldwide, Morgan Stanley is proud to bring you a conversation with actor, humanitarian and founder of the Gary Sinise Foundation, the incomparable Gary Sinise.
This conversation will be moderated by Curt Peterson, Managing Director, Regional Director of the Pacific Coast Region, Morgan Stanley.
Propelling Innovation for Women in Sports
This event took place on 3/29/22. If you would like to receive a replay link, please email our team at TheWillowwoodGroup@morganstanley.com
*****
Tuesday, March 29, 2022 4:15pm ET
In honor of Women’s History Month, Morgan Stanley Global Sports & Entertainment and The XX Project are proud to host a meaningful conversation with female power players in the sports industry. The event will feature women leaders who are making a sound impact, paving the way for other women in the industry to influence and innovate.
Moderated by Michelle Edgar, Founder and CEO of The XX Project, the panelists will also share insights into how they drive support for athletes, through advice, education or in other ways, to prepare them for long-term success.
Click Here to Register*****
Tuesday, March 29, 2022 4:15pm ET
In honor of Women’s History Month, Morgan Stanley Global Sports & Entertainment and The XX Project are proud to host a meaningful conversation with female power players in the sports industry. The event will feature women leaders who are making a sound impact, paving the way for other women in the industry to influence and innovate.
Moderated by Michelle Edgar, Founder and CEO of The XX Project, the panelists will also share insights into how they drive support for athletes, through advice, education or in other ways, to prepare them for long-term success.
What's Cooking with Guy Fieri?
This event took place on 3/22/22. If you would like to receive a replay link, please email our team at TheWillowwoodGroup@morganstanley.com
*****
Tuesday March 22nd 8PM ET
Whether "dining, driving or diving" into a new venture, Guy Fieri always has something cooking!
You are invited to join us for an exclusive conversation with the flavorful chef, restauranteur and Food Network host and learn his recipe for success in and out of the kitchen. Have a question for Guy? Submit it during the live event and it could be selected during audience Q&A!
Don't miss the opportunity to find out What’s Cooking with Guy Fieri?
This conversation will be moderated by Amina Elderfield, Managing Director, Corporate Communications at Morgan Stanley.
Click here to register*****
Tuesday March 22nd 8PM ET
Whether "dining, driving or diving" into a new venture, Guy Fieri always has something cooking!
You are invited to join us for an exclusive conversation with the flavorful chef, restauranteur and Food Network host and learn his recipe for success in and out of the kitchen. Have a question for Guy? Submit it during the live event and it could be selected during audience Q&A!
Don't miss the opportunity to find out What’s Cooking with Guy Fieri?
This conversation will be moderated by Amina Elderfield, Managing Director, Corporate Communications at Morgan Stanley.
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(877) 517-8726(877) 517-8726
Meet The Willowwood Group
Leta Davis, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Advisor
Phone:
(973) 425-2369(973) 425-2369
Susan E Gnall
Executive Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(973) 425-8514(973) 425-8514
Kaden Bernstein, CFP®
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(973) 425-2322(973) 425-2322
Nina DeRosa
Wealth Management Associate, Financial Planning Specialist
Phone:
(973) 425-2320(973) 425-2320
Teresa Zunin
Senior Client Service Associate
Phone:
(973) 425-8523(973) 425-8523
Ruth Ellenberg
Client Service Associate
Phone:
(973) 425-2387(973) 425-2387
Svetlana Kurmangaliyeva
Client Service Associate
Phone:
(973) 425-8534(973) 425-8534
Sydney Davis
Registered Client Service Associate
Phone:
(973) 425-2318(973) 425-2318
About Jason DaCunha
How Can I Help You?
For more than 14 years, Jason has been serving high-net-worth families and providing highly personalized advice through a disciplined wealth management approach. Jason
started his financial services career during the financial crisis of 2008 and witnessed the difference between those who were prepared and those who were not. He has made it his mission to help the families he serves to prepare for the best and plan for the worst.
Jason is passionate about identifying and focusing on what is most important to his clients and provides thoughtful, objective advice for each client’s important milestones.
What Makes Me Knowledgeable?
Jason began his career in financial services as an intern at Merrill Lynch Wealth Management and joined Susan Gnall’s team after graduating from college. Jason mastered several support roles during his time at Merrill Lynch and upon transitioning to Morgan Stanley he became a financial advisor. He is dedicated to keeping up with the most current strategies and has earned the CERTIFIED FINANCIAL PLANNER™ professional designation in order to better serve his clients. Jason graduated with a double major in finance and economics from Seton Hall University. He is also a graduate of Seton Hall Prep in West Orange, NJ.
Getting To Know Me
Jason’s parents emigrated from Portugal in 1964 and settled in the Ironbound Section of Newark, where he grew up. He learned first-hand the importance of hard work, sacrifice and how planning can positively impact a family’s legacy. He currently lives in Florham Park, NJ with his wife, Marlene. They are proud parents of three young boys, Tyler, Dylan and Logan. Outside of the office, Jason is an avid Seton Hall basketball fan and enjoys spending time with his family at the Jersey Shore. He is also fluent in Portuguese and is a devoted New York Yankees fan.
Awards and Certifications
Forbes 2023 Next-Gen Wealth Advisor Best In State
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC for the period 3/31/22 - 3/31/23.
2024 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
CFP Board
Jason earned his CFP® certification in 2016. As part of the certification, CFP® professionals commit to high ethical standards. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam. Only those who have fulfilled CFP Board’s rigorous requirements can call themselves a CFP® professional.
For more than 14 years, Jason has been serving high-net-worth families and providing highly personalized advice through a disciplined wealth management approach. Jason
started his financial services career during the financial crisis of 2008 and witnessed the difference between those who were prepared and those who were not. He has made it his mission to help the families he serves to prepare for the best and plan for the worst.
Jason is passionate about identifying and focusing on what is most important to his clients and provides thoughtful, objective advice for each client’s important milestones.
What Makes Me Knowledgeable?
Jason began his career in financial services as an intern at Merrill Lynch Wealth Management and joined Susan Gnall’s team after graduating from college. Jason mastered several support roles during his time at Merrill Lynch and upon transitioning to Morgan Stanley he became a financial advisor. He is dedicated to keeping up with the most current strategies and has earned the CERTIFIED FINANCIAL PLANNER™ professional designation in order to better serve his clients. Jason graduated with a double major in finance and economics from Seton Hall University. He is also a graduate of Seton Hall Prep in West Orange, NJ.
Getting To Know Me
Jason’s parents emigrated from Portugal in 1964 and settled in the Ironbound Section of Newark, where he grew up. He learned first-hand the importance of hard work, sacrifice and how planning can positively impact a family’s legacy. He currently lives in Florham Park, NJ with his wife, Marlene. They are proud parents of three young boys, Tyler, Dylan and Logan. Outside of the office, Jason is an avid Seton Hall basketball fan and enjoys spending time with his family at the Jersey Shore. He is also fluent in Portuguese and is a devoted New York Yankees fan.
Awards and Certifications
Forbes 2023 Next-Gen Wealth Advisor Best In State
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC for the period 3/31/22 - 3/31/23.
2024 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
CFP Board
Jason earned his CFP® certification in 2016. As part of the certification, CFP® professionals commit to high ethical standards. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam. Only those who have fulfilled CFP Board’s rigorous requirements can call themselves a CFP® professional.
Securities Agent: KS, MD, WY, SC, NH, CT, AZ, PA, NV, NJ, GA, CO, VA, OR, NY, MS, MO, MI, IL, CA, WA, UT, SD, LA, DC, VT, TX, OH, ME, DE, TN, OK, NC, MN, MA, FL, AL, RI, ND; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1682650
NMLS#: 1682650
About Leta Davis
How can I help you?
With more than 25 years of experience as a Financial Advisor, Leta works with high-net-worth families and corporate executives, including C-Suite. As a Certified Financial Planner, she is guided by a straightforward philosophy: a financial plan gives meaning and purpose to your financial life and is an essential first step to setting an investment strategy. Additionally, she is a Senior Portfolio Manager overseeing the management of the team’s custom investment portfolios.
What makes me knowledgeable?
Leta started out on the fixed income trading desk of a small asset management firm where she gained knowledge of various fixed income or “bond” securities. She has spent most of her career as a financial advisor, joining Morgan Stanley in 2008 where she added the Certified Financial Planner (CFP®) designation to her resume. Leta also holds the firm's Dedicated Equity Plan Specialist designation giving her a deep understanding of the intricacies of executive compensation and benefits. Leta graduated Susquehanna University with a Bachelor of Science degree from the Sigmund Weiss School of Business with an emphasis in Financial Management. As an alumnus, she provides mentoring guidance to current students interested in careers in Finance.
Getting to know me.
Leta was inspired by her mother’s career in finance where she learned by example the tremendous value of planning ahead – both for the future you envision, and for the one you cannot predict. Outside of Morgan Stanley, Leta and her husband are the parents of two adult children and enjoy traveling, culinary adventures and giving back to the local community.
With more than 25 years of experience as a Financial Advisor, Leta works with high-net-worth families and corporate executives, including C-Suite. As a Certified Financial Planner, she is guided by a straightforward philosophy: a financial plan gives meaning and purpose to your financial life and is an essential first step to setting an investment strategy. Additionally, she is a Senior Portfolio Manager overseeing the management of the team’s custom investment portfolios.
What makes me knowledgeable?
Leta started out on the fixed income trading desk of a small asset management firm where she gained knowledge of various fixed income or “bond” securities. She has spent most of her career as a financial advisor, joining Morgan Stanley in 2008 where she added the Certified Financial Planner (CFP®) designation to her resume. Leta also holds the firm's Dedicated Equity Plan Specialist designation giving her a deep understanding of the intricacies of executive compensation and benefits. Leta graduated Susquehanna University with a Bachelor of Science degree from the Sigmund Weiss School of Business with an emphasis in Financial Management. As an alumnus, she provides mentoring guidance to current students interested in careers in Finance.
Getting to know me.
Leta was inspired by her mother’s career in finance where she learned by example the tremendous value of planning ahead – both for the future you envision, and for the one you cannot predict. Outside of Morgan Stanley, Leta and her husband are the parents of two adult children and enjoy traveling, culinary adventures and giving back to the local community.
Securities Agent: TX, TN, VT, GA, RI, OH, NV, IL, OK, DE, CT, WI, VI, SC, MI, FL, DC, AL, NY, LA, WY, CO, CA, SD, PA, NC, MA, IA, VA, NJ, NH, IN, HI, WA, OR, MO, ME, MD, AZ, UT, KS, MS, AR, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278698
NMLS#: 1278698
About Susan E Gnall
How Can I Help You?
Susan’s career spans more than 40 years. She works with multi-generational families in an increasingly complex investment environment to help them live out their life’s purpose. Helping her clients get to where they want to go motivates her every day, and nothing is more rewarding to her than knowing her clients are achieving their financial goals and dreams. Susan and her team’s focus is on providing objective, customized strategies and an exceptional personalized client experience.
What Makes Me Knowledgeable?
With 28 years in the financial services industry and 16 years in corporate strategic planning, Susan brings deep experience to every client she serves. She began her career at General Foods as a corporate and strategic financial planner before moving to International Paper Company in a similar role. In 1988, Susan had the opportunity to join a family business, where she restructured its financing and executed a successful divestiture five years later allowing her father to comfortably retire. These experiences provided the perfect introduction to disciplined financial planning and understanding the dynamics of multi-generational family businesses. Susan joined Merrill Lynch in 1994 and utilized these skills with clients in a private wealth management role. She transitioned her team to Morgan Stanley in 2009 because of the greater breadth of services available at the firm. Susan earned her MBA in finance from the Stern School of Business at New York University. She earned her degree in economics from the College of the Holy Cross in Worcester, MA.
Susan has been recognized by Forbes as a 2023 Top Women Best-In-State Wealth Advisor (ranking #11 in New Jersey), a 2023 Best-In-State Wealth Advisor (ranking #35 in North New Jersey-High Net Worth) and a 2021 America's Top Women Wealth Advisor.
Getting To Know Me
Outside of the office, Susan devotes her time as a member of the Board of Trustees of The Seeing Eye in Morristown and as a long-standing member of the President’s Council at her alma mater, Holy Cross. Believing that a career in wealth management holds tremendous opportunity for women, she serves as a mentor to other female financial advisors at Morgan Stanley. Susan and her husband, Greg, have two adult sons and a yellow lab named Kendall. Whenever possible, they enjoy gathering with family and friends at their home on the coast of Maine.
Awards and Certifications
Congratulations to Susan on being recognized by Forbes to the following lists:
* Forbes 2024 Best-In-State Wealth Advisor
* Forbes 2024 Top Women Best-In-State Wealth Advisor
* Forbes 2023 Best-In-State Wealth Advisor
* Forbes 2023 Top Women Best-In-State Wealth Advisor
* Forbes 2022 Best-In-State Wealth Advisor
* Forbes 2022 Top Women Best-In-State Wealth Advisor
* Forbes America’s 2021 Top Women Wealth Advisor
* Forbes 2021 Best-In-State Wealth Advisor
* Forbes 2020 Top Women Wealth Advisor
Forbes America's Top Women Wealth Advisors 2020, 2021
Forbes America's Top Women Wealth Advisors Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Forbes America's Top Women Wealth Advisors Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
Forbes Top Women Wealth Advisors Best-In- State 2022, 2023, 2024
2022, 2023, 2024 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 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In- State Wealth Advisors 2019, 2021, 2022, 2023, 2024
2019, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Susan’s career spans more than 40 years. She works with multi-generational families in an increasingly complex investment environment to help them live out their life’s purpose. Helping her clients get to where they want to go motivates her every day, and nothing is more rewarding to her than knowing her clients are achieving their financial goals and dreams. Susan and her team’s focus is on providing objective, customized strategies and an exceptional personalized client experience.
What Makes Me Knowledgeable?
With 28 years in the financial services industry and 16 years in corporate strategic planning, Susan brings deep experience to every client she serves. She began her career at General Foods as a corporate and strategic financial planner before moving to International Paper Company in a similar role. In 1988, Susan had the opportunity to join a family business, where she restructured its financing and executed a successful divestiture five years later allowing her father to comfortably retire. These experiences provided the perfect introduction to disciplined financial planning and understanding the dynamics of multi-generational family businesses. Susan joined Merrill Lynch in 1994 and utilized these skills with clients in a private wealth management role. She transitioned her team to Morgan Stanley in 2009 because of the greater breadth of services available at the firm. Susan earned her MBA in finance from the Stern School of Business at New York University. She earned her degree in economics from the College of the Holy Cross in Worcester, MA.
Susan has been recognized by Forbes as a 2023 Top Women Best-In-State Wealth Advisor (ranking #11 in New Jersey), a 2023 Best-In-State Wealth Advisor (ranking #35 in North New Jersey-High Net Worth) and a 2021 America's Top Women Wealth Advisor.
Getting To Know Me
Outside of the office, Susan devotes her time as a member of the Board of Trustees of The Seeing Eye in Morristown and as a long-standing member of the President’s Council at her alma mater, Holy Cross. Believing that a career in wealth management holds tremendous opportunity for women, she serves as a mentor to other female financial advisors at Morgan Stanley. Susan and her husband, Greg, have two adult sons and a yellow lab named Kendall. Whenever possible, they enjoy gathering with family and friends at their home on the coast of Maine.
Awards and Certifications
Congratulations to Susan on being recognized by Forbes to the following lists:
* Forbes 2024 Best-In-State Wealth Advisor
* Forbes 2024 Top Women Best-In-State Wealth Advisor
* Forbes 2023 Best-In-State Wealth Advisor
* Forbes 2023 Top Women Best-In-State Wealth Advisor
* Forbes 2022 Best-In-State Wealth Advisor
* Forbes 2022 Top Women Best-In-State Wealth Advisor
* Forbes America’s 2021 Top Women Wealth Advisor
* Forbes 2021 Best-In-State Wealth Advisor
* Forbes 2020 Top Women Wealth Advisor
Forbes America's Top Women Wealth Advisors 2020, 2021
Forbes America's Top Women Wealth Advisors Source: Forbes.com (Awarded Apr 2020) Data compiled by SHOOK Research LLC based on time period from 9/30/18 - 9/30/19.
Forbes America's Top Women Wealth Advisors Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
Forbes Top Women Wealth Advisors Best-In- State 2022, 2023, 2024
2022, 2023, 2024 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 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In- State Wealth Advisors 2019, 2021, 2022, 2023, 2024
2019, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WY, VA, TX, LA, CA, IL, FL, WA, PA, OK, NY, DC, CO, NC, MI, VT, OR, NV, MA, DE, OH, ND, MO, KS, GA, MS, MN, MD, AZ, AL, TN, SD, SC, ME, CT, UT, RI, NJ, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274439
NMLS#: 1274439
About Kaden Bernstein
How Can I Help You?
Kaden began her career with Morgan Stanley in 2019. As a CERTIFIED FINANCIAL PLANNER ™, she puts her designation to work by building out comprehensive plans and cash flow analyses for clients. She also holds the firm's Dedicated Equity Plan Specialist designation giving her a deep understanding of the intricacies of executive compensation and benefits.
What Makes Me Knowledgeable?
The value of planning for the future is personal for Kaden. After losing a parent at a young age, she learned firsthand what it means to be suddenly saddled with immense financial responsibility; and also the comfort that comes from having a dedicated Financial Advisor at her side to help her through. This personal experience is what inspired her to enter the industry in the first place. Prior to coming on board with Morgan Stanley, she was the proud owner of a luxury consignment store in New Jersey, which she built from the bottom up during her senior year of college at Drew University. Then, like now, she placed a strong emphasis on exceptional service and long-lasting relationships.
Getting to Know Me
Outside of the office, Kaden lives in Stillwater, NJ with her boyfriend Patrick and their two hounds Ida Mae and Brisket. Deeply invested in her community, she serves as a Community Advisor for JBWS (Jersey Battered Women’s Shelter), a nonprofit agency providing safety, support, and solutions for individuals in domestic violence situations. In her free time, Kaden enjoys horseback riding, reading, and cooking.
Kaden began her career with Morgan Stanley in 2019. As a CERTIFIED FINANCIAL PLANNER ™, she puts her designation to work by building out comprehensive plans and cash flow analyses for clients. She also holds the firm's Dedicated Equity Plan Specialist designation giving her a deep understanding of the intricacies of executive compensation and benefits.
What Makes Me Knowledgeable?
The value of planning for the future is personal for Kaden. After losing a parent at a young age, she learned firsthand what it means to be suddenly saddled with immense financial responsibility; and also the comfort that comes from having a dedicated Financial Advisor at her side to help her through. This personal experience is what inspired her to enter the industry in the first place. Prior to coming on board with Morgan Stanley, she was the proud owner of a luxury consignment store in New Jersey, which she built from the bottom up during her senior year of college at Drew University. Then, like now, she placed a strong emphasis on exceptional service and long-lasting relationships.
Getting to Know Me
Outside of the office, Kaden lives in Stillwater, NJ with her boyfriend Patrick and their two hounds Ida Mae and Brisket. Deeply invested in her community, she serves as a Community Advisor for JBWS (Jersey Battered Women’s Shelter), a nonprofit agency providing safety, support, and solutions for individuals in domestic violence situations. In her free time, Kaden enjoys horseback riding, reading, and cooking.
Securities Agent: TN, DC, VT, UT, SC, RI, NV, NC, MO, MN, GA, CT, VA, PA, NY, NJ, IL, HI, SD, MI, CO, CA, AZ, VI, LA, IN, AR, IA, AL, WI, WA, TX, OH, ME, WY, OR, DE, OK, NH, MS, MD, KS, MA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1832966
NMLS#: 1832966
About Nina DeRosa
How Can I Help You?
Nina brings more than 20 years of financial services experience. She is analytical in nature, and her love for numbers and math began at young age. In her role, she puts her passions to work, preparing research summaries, portfolio reviews and investment proposals. She focuses on gathering all of a client's outside assets, including annuities and 401(k) plans, to build a comprehensive picture for analysis and review. She draws upon her financial knowledge, experience and understanding of technology.
What Makes Me Knowledgeable?
After earning her business degree in finance at The College of New Jersey, Nina began her financial services career at J.P. Morgan, where she became vice president of client service in the futures and options division. During her eight years there, she earned her MBA from Fordham University. In 2005, she joined Goldman Sachs and worked in their asset management division as a vice president on the quantitative equity portfolio management team, where she stayed until she started her family in 2011. Missing the workforce, she took a part-time position with Susan Gnall's team and became a full-time member in 2016. Nina has earned her series 7 and 66 FINRA licenses.
Getting To Know Me
Outside of work, Nina and her husband, stay very busy with their two active sons. She has a passion for learning about other countries and looks forward to the time when her kids are old enough to travel abroad. In the meantime, as her bucket list expands, she loves New York City, any day, any season!
Nina brings more than 20 years of financial services experience. She is analytical in nature, and her love for numbers and math began at young age. In her role, she puts her passions to work, preparing research summaries, portfolio reviews and investment proposals. She focuses on gathering all of a client's outside assets, including annuities and 401(k) plans, to build a comprehensive picture for analysis and review. She draws upon her financial knowledge, experience and understanding of technology.
What Makes Me Knowledgeable?
After earning her business degree in finance at The College of New Jersey, Nina began her financial services career at J.P. Morgan, where she became vice president of client service in the futures and options division. During her eight years there, she earned her MBA from Fordham University. In 2005, she joined Goldman Sachs and worked in their asset management division as a vice president on the quantitative equity portfolio management team, where she stayed until she started her family in 2011. Missing the workforce, she took a part-time position with Susan Gnall's team and became a full-time member in 2016. Nina has earned her series 7 and 66 FINRA licenses.
Getting To Know Me
Outside of work, Nina and her husband, stay very busy with their two active sons. She has a passion for learning about other countries and looks forward to the time when her kids are old enough to travel abroad. In the meantime, as her bucket list expands, she loves New York City, any day, any season!
About Teresa Zunin
How Can I Help You?
Terri brings more than 20 years of experience providing highly personalized client service. On a daily basis, she provides strategic operational and administrative support, helping to resolve issues efficiently. Terri is an instrumental part of the Willowwood Group and works hard to provide the unique white glove service that the team strives to offer their clients. She is highly results-driven and responsible for the team's online suite of services.
What Makes Me Knowledgeable?
Terri earned her B.A. in business administration from William Paterson University. Prior to her career in the financial services industry, she served as a human resources director for a local, mid-size company. She left the workforce to become a full-time parent, before joining Merrill Lynch in 1998. Terri’s longevity with the team has enabled her to gain deep insight into clients’ most important goals and needs, as well as to proactively provide solutions to clients when needed.
Getting To Know Me
She is proud to be the first generation of Italian immigrant parents who taught her the values of hard work, dedication and respect. Outside of the office, Terri's life revolves around her family. She enjoys spending time with her husband and their two adult children. She will also be adding “grandmother” to her titles when her daughter welcomes their first baby in April 2022. Terri loves to cook, especially regional Italian foods, and is fluent in Italian. She also likes to exercise to music and enjoys family trips to Italy and warm weather destinations
Terri brings more than 20 years of experience providing highly personalized client service. On a daily basis, she provides strategic operational and administrative support, helping to resolve issues efficiently. Terri is an instrumental part of the Willowwood Group and works hard to provide the unique white glove service that the team strives to offer their clients. She is highly results-driven and responsible for the team's online suite of services.
What Makes Me Knowledgeable?
Terri earned her B.A. in business administration from William Paterson University. Prior to her career in the financial services industry, she served as a human resources director for a local, mid-size company. She left the workforce to become a full-time parent, before joining Merrill Lynch in 1998. Terri’s longevity with the team has enabled her to gain deep insight into clients’ most important goals and needs, as well as to proactively provide solutions to clients when needed.
Getting To Know Me
She is proud to be the first generation of Italian immigrant parents who taught her the values of hard work, dedication and respect. Outside of the office, Terri's life revolves around her family. She enjoys spending time with her husband and their two adult children. She will also be adding “grandmother” to her titles when her daughter welcomes their first baby in April 2022. Terri loves to cook, especially regional Italian foods, and is fluent in Italian. She also likes to exercise to music and enjoys family trips to Italy and warm weather destinations
About Ruth Ellenberg
How Can I Help You?
Ruth began her financial services career in 2000. She brings comprehensive administrative support and extensive event planning experience to assist the team in business development and marketing. She takes pride in delivering superior client service to each client she serves.
What Makes Me Knowledgeable?
In 2008, Ruth joined Morgan Stanley as a senior sales associate before becoming the complex administrator for the Central New Jersey Morgan Stanley Complex. Prior to her career at Morgan Stanley, she worked as a sales assistant at JB Hanauer, a bond firm.
In her spare time, Ruth runs a freelance event planning business. She is highly organized and brings this experience to her current role when she coordinates and plans client and employee events.
Getting To Know Me
Ruth was born in Argentina and moved to New York at the age of 10. Ruth and her husband share a passion for travelling and lucky that their five kids live in five beautiful, different locations that they get to visit often along with their most spoiled "child", a Havanese pup named Rambo. Ruth is an avid reader and a crime podcast enthusiast. She is always happy to share her recommendations, as well as what she is currently reading and listening to, in English or her native language, Spanish.
Ruth began her financial services career in 2000. She brings comprehensive administrative support and extensive event planning experience to assist the team in business development and marketing. She takes pride in delivering superior client service to each client she serves.
What Makes Me Knowledgeable?
In 2008, Ruth joined Morgan Stanley as a senior sales associate before becoming the complex administrator for the Central New Jersey Morgan Stanley Complex. Prior to her career at Morgan Stanley, she worked as a sales assistant at JB Hanauer, a bond firm.
In her spare time, Ruth runs a freelance event planning business. She is highly organized and brings this experience to her current role when she coordinates and plans client and employee events.
Getting To Know Me
Ruth was born in Argentina and moved to New York at the age of 10. Ruth and her husband share a passion for travelling and lucky that their five kids live in five beautiful, different locations that they get to visit often along with their most spoiled "child", a Havanese pup named Rambo. Ruth is an avid reader and a crime podcast enthusiast. She is always happy to share her recommendations, as well as what she is currently reading and listening to, in English or her native language, Spanish.
About Svetlana Kurmangaliyeva
How Can I Help You?
Svetlana utilizes her teaching background to bring a client centered focus to help our clients learn about and navigate the many services that are available through both our team and Morgan Stanley, including our Cash Plus offerings. On a daily basis, she also provides operational and administrative support.
What makes me knowledgeable?
Svetlana began her career in the financial services industry in 2014 in marketing and joined Morgan Stanley in 2021 as a Client Service Associate. She also holds the Series 7 and Securities Industry Essentials (SIE) and is working towards the Series 66.
Getting to know me
Svetlana was born and raised in Kazakhstan and holds teaching degrees in Russian language and literature. She is a fitness enthusiast, health influencer, athlete and is passionate about protecting our environment.
Svetlana utilizes her teaching background to bring a client centered focus to help our clients learn about and navigate the many services that are available through both our team and Morgan Stanley, including our Cash Plus offerings. On a daily basis, she also provides operational and administrative support.
What makes me knowledgeable?
Svetlana began her career in the financial services industry in 2014 in marketing and joined Morgan Stanley in 2021 as a Client Service Associate. She also holds the Series 7 and Securities Industry Essentials (SIE) and is working towards the Series 66.
Getting to know me
Svetlana was born and raised in Kazakhstan and holds teaching degrees in Russian language and literature. She is a fitness enthusiast, health influencer, athlete and is passionate about protecting our environment.
About Sydney Davis
How can I help you?
Syd is our newest team member who joined Morgan Stanley in August of 2024 as a Registered Client Service Associate. He has an aptitude for numbers and analytics and is currently assisting the team with preparing client portfolio reviews and portfolio risk analytics along with assisting the with day-to-day administrative and operational support.
What makes me knowledgeable?
Syd graduated from the University of Michigan in 2022 with a degree in Economics. Prior to joining Morgan Stanley, he worked for a small Financial Technology company as a Portfolio Management Systems Analyst. He is fully registered and holds the Series 7, Series 66 and Securities Industry Essentials (SIE) licenses through FINRA.
Getting to know me
Inspired by his mother’s career as a Financial Advisor, Syd has long enjoyed discussing and following the stock market and understands the importance of saving early for one’s future. Syd is an avid college sports fan (“Go Blue”) and is also a health and fitness enthusiast. He resides in Morris County along with his Australian Shepherd, Maverick.
Syd is our newest team member who joined Morgan Stanley in August of 2024 as a Registered Client Service Associate. He has an aptitude for numbers and analytics and is currently assisting the team with preparing client portfolio reviews and portfolio risk analytics along with assisting the with day-to-day administrative and operational support.
What makes me knowledgeable?
Syd graduated from the University of Michigan in 2022 with a degree in Economics. Prior to joining Morgan Stanley, he worked for a small Financial Technology company as a Portfolio Management Systems Analyst. He is fully registered and holds the Series 7, Series 66 and Securities Industry Essentials (SIE) licenses through FINRA.
Getting to know me
Inspired by his mother’s career as a Financial Advisor, Syd has long enjoyed discussing and following the stock market and understands the importance of saving early for one’s future. Syd is an avid college sports fan (“Go Blue”) and is also a health and fitness enthusiast. He resides in Morris County along with his Australian Shepherd, Maverick.
Contact Jason DaCunha
Contact Leta Davis
Contact Susan E Gnall
Contact Kaden Bernstein
Wealth Management
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Willowwood Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Products 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
7Alternative 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.
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 and other legal matters.
10Morgan 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
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 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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.
4Products 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
7Alternative 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.
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 and other legal matters.
10Morgan 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
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.
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Awards Disclosures
CRC 6491812 (04/2024)
