Suzi Cordier-Kropp
Client Service Associate
Phone:
(602) 954-5713(602) 954-5713
Tim Cowdrey, CEPA®
Managing Director,
Financial Advisor,
Senior Portfolio Manager
Direct:
(602) 954-5794(602) 954-5794
My Mission Statement
To give my clients and their families clarity and confidence by building a personalized wealth plan first, then an investment strategy designed to achieve it. I'm committed to clear, frequent communication and to being accessible whenever my clients need me.
My Story and Services
Tim Cowdrey has more than 30 years’ experience as a trusted financial advisor to business owners and their families. He specializes in developing personalized strategies designed to provide clear solutions for retirement planning concerns, investment management, risk management (insurance) and financial life balance.
Tim graduated from Brophy College Preparatory in Phoenix, then received a Bachelor of Arts degree from the University of Arizona in Tucson. He has passed the Series 7, 63, 65 & 31 securities exams and the Series 9, 10 & 24 supervisory exams.
Tim was raised in the Arcadia suburb of Phoenix, AZ, where he lives with his wife, Cindy. Their daughter, Katherine, lives nearby in Phoenix and is an estate planning attorney. Their son, Ryan, lives in Nashville and works for a large asset management firm. Tim is a past President of The Scottsdale Charros, a civic organization that supports youth education, sports and the Western Heritage of Scottsdale. The Charros work with the city of Scottsdale and the San Francisco Giants to bring spring training baseball to Scottsdale. Tim loves spending time outdoors hiking, long-distance ocean swimming and relaxing on the beach. He also enjoys time with his two yellow Labradors, Seamus and Thomas.
Tim graduated from Brophy College Preparatory in Phoenix, then received a Bachelor of Arts degree from the University of Arizona in Tucson. He has passed the Series 7, 63, 65 & 31 securities exams and the Series 9, 10 & 24 supervisory exams.
Tim was raised in the Arcadia suburb of Phoenix, AZ, where he lives with his wife, Cindy. Their daughter, Katherine, lives nearby in Phoenix and is an estate planning attorney. Their son, Ryan, lives in Nashville and works for a large asset management firm. Tim is a past President of The Scottsdale Charros, a civic organization that supports youth education, sports and the Western Heritage of Scottsdale. The Charros work with the city of Scottsdale and the San Francisco Giants to bring spring training baseball to Scottsdale. Tim loves spending time outdoors hiking, long-distance ocean swimming and relaxing on the beach. He also enjoys time with his two yellow Labradors, Seamus and Thomas.
Securities Agent: OK, NM, WA, UT, KS, HI, AL, WI, MD, OH, LA, IN, TN, GA, MI, KY, CO, DE, NJ, NC, FL, AZ, VA, NY, IL, CA, AK, TX, SC, NV; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
ADVICE SHOULD START WITH YOUR LIFE, NOT YOUR PORTFOLIO
The plan comes first. Your investments follow it – Many people start with investments and hope a plan forms around them. I do the opposite. First, I build a wealth plan around your goals, priorities and timeline. Then I design an investment strategy specifically to help you reach the objectives in that plan.
No one-size-fits-all plan – No two families, businesses or retirements are the same, and your plan shouldn't be either. Each portfolio I manage is customized and coordinated with your wealth plan. As your life changes, both your plan and your investments change with it.
Clear and frequent communication– I believe you should always know where you stand. I talk about your plan openly and often, explain my recommendations in plain language, and don't shy away from hard conversations.
Accessible when you need me – My practice is built on relationships and a concierge level of service. When you call, I answer. Whether it's a quick question or a major decision, you can count on me to be available.
My process:
1. Discover
Our relationship begins with a conversation. Before discussing investments or recommending strategies, I want to understand your family, career, business, assets, obligations, priorities, concerns and long-term goals.
2. Plan
We translate your goals into a financial strategy. Your plan becomes the framework for evaluating questions such as retirement readiness, savings, portfolio allocation, income needs, liquidity and risk.
3. Invest
Once we agree on a strategy, we determine the appropriate steps for putting it into action. Rather than making changes simply for the sake of making changes, my objective is to make each recommendation purposeful and connected to your broader financial plan.
4. Communicate and adjust
Financial planning is not a one-time event. Markets change. Tax laws change. Businesses change. Families change. Your priorities may change. We continue to review your plan, investments and progress over time and make adjustments when appropriate.
A RELATIONSHIP THAT STAYS CLOSE AS LIFE EVOLVES
My clients are much more than a portfolio of assets – they are families with active lives, who seek experienced advisors who will provide them with thorough, unbiased, and carefully considered guidance on a full range of financial topics. When you work with me, you will be treated with respect, care, confidentiality, and given an unwavering commitment to you and your family.
While my clients each have unique personal and professional circumstances, they all have one thing in common, achieving a financial goal to secure their family's financial future and pursue their personal ambitions.
While my clients each have unique personal and professional circumstances, they all have one thing in common, achieving a financial goal to secure their family's financial future and pursue their personal ambitions.
Business Owners
In my experience, business owners often put off planning their own financial future until they have achieved certain milestones, things have settled down or they focus on this later in life. I can help provide you with the support you need during the various cycles of owning a business from growth to succession to after the sale.
Corporate Executives
You've worked hard to reach your role, and your finances have likely become more complex along the way. I help executives manage restricted stock and carried interest, access liquidity and plan for the tax impact. That way, you can focus on your career and your family with confidence.
Retirees or Those Seeking Retirement
Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
Multigenerational Families
Wealth often affects several generations at once, each with its own needs, from protecting retirement income to funding education and passing on a legacy. A coordinated plan can help your family stay on the same page, avoid surprises and transfer wealth efficiently. I can help bring those goals together, so your family's wealth works for everyone it's meant to serve.
YOUR GUIDE TO EFFICIENT PLANNING
Your financial plan should include more than just your investment objectives. Rather, it should be tailored to address the personal life and legacy goals you've identified and prioritized. My process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life, helping to make sure they align with your goals and wealth management plan.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. I can help you create a wealth plan that's adaptable to the different stages of your life using our award-winning tools- Goals Planning System (GPS) and LifeView.
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LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that I can use with my clients to create a holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
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Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Learn MorePortfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
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Spending and Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you to oversee trends in your financial life.
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Tax-Efficient Planning
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
Learn MorePURSUING YOUR GOALS, TOGETHER
Managing family wealth is like running a company - you need a strategy to help manage assets and mitigate risks. Bridging the gap between wealth and investment management services, I work with owners, founders, and executives striving to accelerate growth and develop robust succession plans. I help manage the entire process by leveraging some of the top research and investment management resources in the industry.
Pre-Liquidity Planning
If your company is going through a liquidity event, some advance planning on your part may help you get the most out of your equity compensation.
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Executive Financial Services
As a successful corporate executive, you face unique challenges. Morgan Stanley offers services designed for executives like you, helping you make more informed choices and manage your wealth more effectively.
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Concentrated Stock & Options Analysis
Designed for executives who have significant wealth in stock and options of their company, the Concentrated Stock and Options Analysis illustrates various valuations of holdings as well as hypothetical diversification scenarios.
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Understanding Your Equity Awards
Equity awards are a recognition of your executives’ hard work. Let’s help put them to good use. Leveraging an innovative analysis platform, our team provides strategy and perspective to help your leaders maximize the impact of their equity.
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Succession Planning
Ownership of a business can represent years, sometimes decades of arduous work and commitment. Nevertheless, business owners are often unfamiliar with the complexities and preparation that go into a successful succession strategy. Whether you are contemplating an IPO, merger with another company, private sale via a Strategic Client Group or Investment Bank, or succession within the family I am here to help you develop and execute a successful exit strategy.
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Morgan Stanley at Work
Workplace financial solutions that help employees achieve their life goals. Our comprehensive offering spans Equity, Financial Wellness and Retirement solutions, plus Financial Empowerment, so your workforce can realize the full potential of their benefits.
Learn MoreLocation
2398 E Camelback Rd
Suite 800
Phoenix, AZ 85016
US
Direct:
(602) 954-5794(602) 954-5794
Meet My Team
About Suzi Cordier-Kropp
Suzi has built an impressive career in the financial services industry since 1995 and has been a valued member of the RBC team since 1999. She holds a degree from the University of Akron and is a Series 7 license holder, demonstrating her commitment to professional excellence and regulatory compliance.
Suzi’s expertise lies in operations and client relationship management, where she brings a strategic approach to enhancing client experience. She takes pride in the detailed work required to keep operations running smoothly while maintaining strong connections with clients. What she enjoys most about her role is the opportunity to speak with and assist clients directly. There is genuine fulfillment in building relationships and helping clients find solutions to their financial needs.
Originally from Mogadore, Ohio, a small community outside Akron, Suzi has maintained deep roots in the region throughout her career. Outside of work, she enjoys a variety of activities that reflect her diverse interests. She is an avid reader who enjoys immersing herself in books. In addition, Suzi has discovered creative outlets through making resin projects and creating seasonal Lego scenes, which allow her to express her artistic side.
Beyond her personal interests, she is dedicated to giving back to her community and supports dog charities through donations, reflecting her compassion for animal welfare.
Suzi’s expertise lies in operations and client relationship management, where she brings a strategic approach to enhancing client experience. She takes pride in the detailed work required to keep operations running smoothly while maintaining strong connections with clients. What she enjoys most about her role is the opportunity to speak with and assist clients directly. There is genuine fulfillment in building relationships and helping clients find solutions to their financial needs.
Originally from Mogadore, Ohio, a small community outside Akron, Suzi has maintained deep roots in the region throughout her career. Outside of work, she enjoys a variety of activities that reflect her diverse interests. She is an avid reader who enjoys immersing herself in books. In addition, Suzi has discovered creative outlets through making resin projects and creating seasonal Lego scenes, which allow her to express her artistic side.
Beyond her personal interests, she is dedicated to giving back to her community and supports dog charities through donations, reflecting her compassion for animal welfare.
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
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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
Iran Conflict: Seven Takeaways for Investors
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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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Tim Cowdrey today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
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 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
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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)
