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Tom Cichocki

For the past 21 years, Tom Cichocki, Senior Vice President at Morgan Stanley has assisted pre-retirees, business owners, professionals, high net worth individuals, and institutions in achieving their investment goals. He helps clients prepare and manage their retirement expectations by using planning models and a belief in asset allocation. Tom graduated with a Bachelor of Science in Economics with a concentration in Finance from the Wharton Undergraduate division of the University of Pennsylvania. His investment and advisory registrations include FINRA Series 7, 8, 31, 63, and 65 licenses. Tom earned his CERTIFIED FINANCIAL PLANNERTM designation in 2012. He specializes in retirement planning, investment management, and financial planning.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®,

CERTIFIED FINANCIAL PLANNERTM 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.

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. This material was not intended or written to be used, and it cannot be used, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. 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.

Cichocki, Tom

Tom Cichocki

For the past 21 years, Tom Cichocki, Senior Vice President at Morgan Stanley has assisted pre-retirees, business owners, professionals, high net worth individuals, and institutions in achieving their investment goals. He helps clients prepare and manage their retirement expectations by using planning models and a belief in asset allocation. Tom graduated with a Bachelor of Science in Economics with a concentration in Finance from the Wharton Undergraduate division of the University of Pennsylvania. His investment and advisory registrations include FINRA Series 7, 8, 31, 63, and 65 licenses. Tom earned his CERTIFIED FINANCIAL PLANNERTM designation in 2012. He specializes in retirement planning, investment management, and financial planning.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®,

CERTIFIED FINANCIAL PLANNERTM 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.

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. This material was not intended or written to be used, and it cannot be used, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. 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.