Vincent Sunzeri, CIMA®, CPWA®, CEPA®
Senior Vice President, Financial Adviser, Certified Private Wealth Advisor
Phone:
(408) 358-0995(408) 358-0995
Vince Sunzeri and Corrine Fabie at Morgan Stanley
Our Mission Statement
Comprehensive wealth management and personalized attention, tailored to each client’s unique life and financial goals
Our Story and Services
- Discovery - Through transparent and friendly conversation, we get to know you while you get to know us.
- Strategy - Working together as a team, we identify the potential gaps between your present situation and your future goals.
- Development - We then construct strategies to proactively support closing those gaps over time.
- Execution – Having an engaged financial style, we implement our plannings that can be as adaptable as your ever-changing life.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Executive Benefit ServicesFootnote6
- Fixed IncomeFootnote7
- Alternative InvestmentsFootnote8
- Endowments and FoundationsFootnote9
- Lending Products
- Long Term Care InsuranceFootnote10
- Corporate Retirement PlansFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Webcast Events to keep you informed and educated on a variety of topics.
We believe financial education leads to better insights into our investment strategy and discipline, and potentially better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Upcoming Firm Events:
Event Replays:
We've collected replays from each Wealth Education Event Webinar from 2025 for your enjoyment. Below is a breakdown of what event replays you will find in the playlist, linked above.
February: Understanding Market Dynamics - Talking About the Big Picture
March: Home Buying: Navigating the Borrowing Landscape
April: Tying the Financial Knot: Navigating Joint Finances and Communication
May: Money & Saving: Financial Planning and Why it Matters to Me
June: Investing 201: Portfolio Diversification and Risk Management
July: Health is Wealth: Cultivating Healthy Habits for Longevity and Prosperity
August: Estate Planning Overview: Caregiver Considerations (The Sandwich Generation)
September: Navigating Insurance
October: Cybersecurity: Social Media Habits
November: Giving Back: The Joy of Philanthropy and Social Impact
December: Thinking about Family Legacy: Understanding Family Governance
February: Understanding Market Dynamics - Talking About the Big Picture
March: Home Buying: Navigating the Borrowing Landscape
April: Tying the Financial Knot: Navigating Joint Finances and Communication
May: Money & Saving: Financial Planning and Why it Matters to Me
June: Investing 201: Portfolio Diversification and Risk Management
July: Health is Wealth: Cultivating Healthy Habits for Longevity and Prosperity
August: Estate Planning Overview: Caregiver Considerations (The Sandwich Generation)
September: Navigating Insurance
October: Cybersecurity: Social Media Habits
November: Giving Back: The Joy of Philanthropy and Social Impact
December: Thinking about Family Legacy: Understanding Family Governance
Resources
Complicated financial situations can be made easier to understand through Morgan Stanley's in-depth analysis. The links below provide an in-depth analysis on interesting topics that are affecting the worlds of business and finance now, and in the future.
On the Markets
Detailed Market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Report
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Latest GIC
How to Handle Volatility
The markets have experienced increased volatility lately. Learn more about why investors should focus on the long game.
Learn More
Tax Management
Read more from Morgan Stanley's Tax Management site to consider tax strategies.
Learn MoreDigital Tools Directory
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Lean More
Total Wealth View
We've launched a new tool that 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.
Learn More
Online Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn More
Digital Vault
Through Digital Vault, you can move beyond using filing cabinets, your email inbox and a folder on your computer to save and share documents with your Morgan Stanley team.
With a few clicks, you can collaborate on and upload documents from your phone, laptop or desktop. Not only will this save you time, but it will also reduce the amount of sensitive paper you’re holding onto and may even decrease your risk of fraud.
Learn MoreWith a few clicks, you can collaborate on and upload documents from your phone, laptop or desktop. Not only will this save you time, but it will also reduce the amount of sensitive paper you’re holding onto and may even decrease your risk of fraud.
Protecting your Digital Footprint
Worried about how much of your personal information is available online? See how you can manage your digital footprint.
Learn More
Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
Learn MoreLocation
16000 Los Gatos Blvd
Los Gatos, CA 95032
US
Direct:
(408) 358-0995(408) 358-0995
Fax:
(408) 638-4700(408) 638-4700
Meet Vince Sunzeri and Corrine Fabie
Corrine Fabie, CFP®, CPWA®, RMA®
Senior Vice President, Financial Adviser, Senior Investment Management Consultant, Family Wealth Advisor
Phone:
(408) 358-0996(408) 358-0996
Thomas Olivera
Financial Advisor, Financial Planning Specialist
Phone:
(408) 358-0991(408) 358-0991
Nina Reyes
Portfolio Associate
Phone:
(408) 358-0993(408) 358-0993
About Vincent Sunzeri
A graduate of San Jose State University, Vince received a B.A. in Business Administration, with a concentration in Finance and a minor in Economics. In 1988, he joined PaineWebber/UBS Financial Services where he spent 21 years. Vince and his team joined Morgan Stanley in 2009 as a Senior Vice President of Investments.
Vince is dedicated to continuing to enhance his professional knowledge and experience. He has received the designation of Certified Investment Management Analyst (CIMA®) through the Wharton School of Business. Vince has also received the designation of Chartered Private Wealth Advisor (CPWA®) through the University of Chicago Graduate School of Business. He recently completed training to become a Certified Exit Planning Advisor (CEPA®) in order to provide expertise to clients that are selling or transferring their company to new owners.
Vince is dedicated to giving back to the community. He has actively coached youth sports in San Jose. He has served as a Board Member for the St. Christopher’s Holy Name Society. Vince served on the Board of Via Services for fourteen years including a two-year term as Board Chair from 2011-2013. He has been a member of Rotary International for the last nineteen years. During that time, Vince served as a trustee and past President for the Rotary Club of San Jose Foundation Board and served a four-year term as a Director on the Club Board. For nearly eleven years, Vince served as a trustee for the Board of Administration for the City of San Jose Police and Fire Retirement Plan. During his appointment, he served two terms as Chairman of the Board. In October 2021, he was awarded a special Commendation from the City of San Jose for over a decade of leadership. Most recently, Vince joined the boards of Catholic Charities of Santa Clara County and Symphony San Jose.
A native of San Jose, Vince has three children. Jaclyn is married, has a Master’s degree from Santa Clara University and is a licensed MFT. Lainey is married, is a graduate of St. Mary’s College in Moraga, has a Master’s in Education, and teaches at St. Christopher's School. Vincent is a graduate of Santa Clara University.
Vince is dedicated to continuing to enhance his professional knowledge and experience. He has received the designation of Certified Investment Management Analyst (CIMA®) through the Wharton School of Business. Vince has also received the designation of Chartered Private Wealth Advisor (CPWA®) through the University of Chicago Graduate School of Business. He recently completed training to become a Certified Exit Planning Advisor (CEPA®) in order to provide expertise to clients that are selling or transferring their company to new owners.
Vince is dedicated to giving back to the community. He has actively coached youth sports in San Jose. He has served as a Board Member for the St. Christopher’s Holy Name Society. Vince served on the Board of Via Services for fourteen years including a two-year term as Board Chair from 2011-2013. He has been a member of Rotary International for the last nineteen years. During that time, Vince served as a trustee and past President for the Rotary Club of San Jose Foundation Board and served a four-year term as a Director on the Club Board. For nearly eleven years, Vince served as a trustee for the Board of Administration for the City of San Jose Police and Fire Retirement Plan. During his appointment, he served two terms as Chairman of the Board. In October 2021, he was awarded a special Commendation from the City of San Jose for over a decade of leadership. Most recently, Vince joined the boards of Catholic Charities of Santa Clara County and Symphony San Jose.
A native of San Jose, Vince has three children. Jaclyn is married, has a Master’s degree from Santa Clara University and is a licensed MFT. Lainey is married, is a graduate of St. Mary’s College in Moraga, has a Master’s in Education, and teaches at St. Christopher's School. Vincent is a graduate of Santa Clara University.
Securities Agent: SD, AZ, VA, MN, IN, AK, WA, NM, NC, MO, IL, TX, MD, SC, OR, NY, HI, GA, WI, MI, CO, CA, PA, NV, MT, UT, ID, FL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1279348
NMLS#: 1279348
About Corrine Fabie
In 1991 Corrine joined PaineWebber/UBS Financial Services where she spent 18 years. Her career started in Administration and in 1996 she transitioned to a Financial Advisor when she and Vince formed their partnership. In 2009 she joined Morgan Stanley as a First Vice President.
Corrine is committed to ongoing education and received a Certificate in Personal Financial Planning from University of California Extension, Santa Cruz in the spring of 2005. Following this education, Corrine received her Certified Financial Planner (CFP®) designation from the Certified Financial Planner Board of Standards, Inc. She also received the designation of Certified Private Wealth Advisor (CPWA®) through the University Of Chicago Graduate School Of Business in 2008. Recently she obtained her Retirement Management Advisor designation to further continue her financial planning focus.
Voluntarism is a core value to Corrine. She is a Past President of the Junior League of San Jose. In 2015 she joined the Board of Directors of Cancer CAREpoint and was Board Chair through 2018. She currently continues to serve as Director on the Board.
Born in the Central Valley of California and residing now in San Jose for the past 28 years. Corrine has been married to Rod for 12 years and they have two senior Chihuahuas adopted from local rescue groups. They are active playing tennis and trail walking together in their spare time.
Corrine is committed to ongoing education and received a Certificate in Personal Financial Planning from University of California Extension, Santa Cruz in the spring of 2005. Following this education, Corrine received her Certified Financial Planner (CFP®) designation from the Certified Financial Planner Board of Standards, Inc. She also received the designation of Certified Private Wealth Advisor (CPWA®) through the University Of Chicago Graduate School Of Business in 2008. Recently she obtained her Retirement Management Advisor designation to further continue her financial planning focus.
Voluntarism is a core value to Corrine. She is a Past President of the Junior League of San Jose. In 2015 she joined the Board of Directors of Cancer CAREpoint and was Board Chair through 2018. She currently continues to serve as Director on the Board.
Born in the Central Valley of California and residing now in San Jose for the past 28 years. Corrine has been married to Rod for 12 years and they have two senior Chihuahuas adopted from local rescue groups. They are active playing tennis and trail walking together in their spare time.
Securities Agent: VA, HI, GA, CA, IL, FL, CT, WA, SC, NY, NV, MO, CO, AK, NM, MD, MN, WI, TX, UT, SD, MI, ID, AZ, PA, IN, OR, NC, MT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274479
CA Insurance License #: 0B63759
NMLS#: 1274479
CA Insurance License #: 0B63759
About Thomas Olivera
Born and raised in sunny San Diego, I attended San Diego State University to receive a degree in Psychology. Following that, I made the journey up to the Bay Area in 2015 to continue my relationship with my now lovely wife Sara and pursue a Master’s Degree in Sports Management at San Jose State University. This led me to work in the Sport/Business industry with the San Jose Earthquakes while attending school and following graduation.
After meeting Vince and Corrine, they opened the door for me into the Wealth Management universe and gave me an opportunity I could only dream of by joining their team. I found my path and thankfully launched my career at Morgan Stanley to carry out my passion of wealth management and to help others. I continually learn more from my teammates as I take the steps to grow professionally in the industry, and currently assist in a variety of manners – including operational and investment-related projects.
In my free time, I love to spend time with my wife, family, and friends, exercising, playing/watching soccer and other sports, reading investment research, exploring wine tasting, hiking/getting outdoors, and hitting the beach when I can.
After meeting Vince and Corrine, they opened the door for me into the Wealth Management universe and gave me an opportunity I could only dream of by joining their team. I found my path and thankfully launched my career at Morgan Stanley to carry out my passion of wealth management and to help others. I continually learn more from my teammates as I take the steps to grow professionally in the industry, and currently assist in a variety of manners – including operational and investment-related projects.
In my free time, I love to spend time with my wife, family, and friends, exercising, playing/watching soccer and other sports, reading investment research, exploring wine tasting, hiking/getting outdoors, and hitting the beach when I can.
Securities Agent: MI, SC, OR, ID, WI, WA, NC, MD, IN, GA, CT, TX, MT, AZ, AK, NV, NM, MN, IL, CA, VA, UT, MO, HI, SD, PA, NY, FL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2806235
CA Insurance License #: 4544612
NMLS#: 2806235
CA Insurance License #: 4544612
About Nina Reyes
Nina Reyes has over 24 years of experience in the Financial Services Industry. She began her career at Kidder Peabody & Co. in 1990 and rose to the position of Assistant Operations Manager. Nina remained with the firm through PaineWebber’s purchase of Kidder Peabody in 1994, and the eventual PaineWebber/UBS merger in 2000. During this period, Nina was promoted to the position of Branch Operations Manager.
In 2003, Nina began working with Vince and Corrine, managing the Team’s operations. In this new role, she was instrumental in supporting their business and contributed to the growth of the practice. She also served as the primary liaison between Vince and Corrine and their clients by providing extraordinary service.
Born and raised in San Jose, California, Nina spends her time with her two sons, John and Jesse. Nina enjoys working out, traveling, and spending time with her family.
In 2003, Nina began working with Vince and Corrine, managing the Team’s operations. In this new role, she was instrumental in supporting their business and contributed to the growth of the practice. She also served as the primary liaison between Vince and Corrine and their clients by providing extraordinary service.
Born and raised in San Jose, California, Nina spends her time with her two sons, John and Jesse. Nina enjoys working out, traveling, and spending time with her family.
Contact Vincent Sunzeri
Contact Corrine Fabie
Contact Thomas Olivera
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 Vince Sunzeri and Corrine Fabie today.
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.
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.
2Morgan 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.
3Morgan 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.
4When 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.
5Morgan 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.
6When 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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
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.
2Morgan 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.
3Morgan 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.
4When 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.
5Morgan 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.
6When 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
