Michael Onyemelukwe Receives Chartered Retirement Plans SpecialistSM Designation

Bethesda, Maryland July 19, 2016 – Morgan Stanley announced today that Mr. Michael Onyemelukwe, a Financial Planning Specialist and Financial Advisor in the firm’s Wealth Management office in Rockville, has earned the Chartered Retirement Plans SpecialistSM (CRPS) designation. Mr. Onyemelukwe has worked at Morgan Stanley Wealth Management since 2014.

The CRPSÒ designation is offered through the College for Financial Planning via a program of study for professionals who design, install and maintain retirement plans for the business community. Topics included in the course of study are:

• Types and characteristics of retirement plans
• Plan design, installation, administration and amendments.

In order to be authorized to use the CRPSÒ credential, Mr. Onyemelukwe was required to meet the education, ethics and examination requirements determined by the College.

Morgan Stanley Wealth Management, a global leader, provides access to a wide range of products and services to individuals, businesses and institutions, including brokerage and investment advisory services, financial and wealth planning, cash management and lending products and services, annuities and insurance, retirement and trust services.

Morgan Stanley (NYSE: MS) is a leading global financial services firm providing investment banking, securities, wealth management and investment management services. With offices in more than 43 countries, the Firm's employees serve clients worldwide including corporations, governments, institutions and individuals. For more information about Morgan Stanley, please visit www.morganstanley.com.

© 2016 Morgan Stanley Smith Barney LLC, member SIPC.

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