Christian V. Cherniak - Morgan Stanley Financial Advisor

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Welcome Experience Education Associations Services

I believe success in achieving important financial goals starts with a comprehensive wealth strategy. I will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals.

Associations

Christian is an Active Flight Instructor
Advocate for Aviation in the Local & National Community
Contributor and Instructor for Cirrus Owners & Pilots Association
www.cirruspilots.org
www.aopa.org

Services

Financial Planning
Wealth Management
401k Rollovers
529 Plans
Alternative Investments
Annuities
Asset Management
Business Succession Planning
Cash Management
Certificates of Deposit
Commodities
Defined Contribution Plans
Education Planning
Endowments and Foundations
Estate Planning
Exchange Traded Funds
Executive Financial Services
Fixed Income

Education and Licensing

B.A. Technology, Andrews University
B.A. Technology, Western Michigan University
Certified Investment Management Analyst
Series 7 - General Securities Representative Exam
Series 66 - Uniform Combined State Law Exam
Series 31 - Futures Managed Funds Exam
Insurance Licensing: Life, Accident, Sickness
Insurance Licensing: Variable Life and Variable Annuities

Honors and Recognition

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Business Experience

1996 - 2000: J.C. Bradford & Company
2000 - Current: Morgan Stanley*

Bulletin Board

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For an in-depth explanation of what’s included in your 1099 statement and how it can assist you in filing your federal and state income tax return, read A Guide to Your 2012 1099 Consolidated Tax Statement. Be advised: If your account was converted to the Morgan Stanley platform, you may be receiving two 1099s/Year End Summaries for 2012.
See Investing & Market Insights for the May On the Markets from the Global Investment Committee featuring

• "Equities Show Resilience, but ..." Michael Wilson, chief investment officer of Morgan Stanley Wealth Management and chair of the firm’s Global Investment Committee, says equity markets appear to be looking beyond the soft patch in the economic data, but they may not be forgiving for long.

• "Positioning Portfolios for (Slightly) Higher Rates" We expect interest rates to trend higher through the year, which is why we are recommending investors shorten the duration in their bond portfolios.

• "Our Favored Overseas Plays" We find opportunities in Japanese automakers, European industrial restructurings, overseas tech champions and companies that sell to emerging market consumers.

Plus, look for more on economics, real estate investment trusts, energy, gold and asset allocation.

Christian V. Cherniak is licensed in the following state(s): CA, CO, FL, GA, IN, KY, LA, MA, MI, NC, NY, OH, SC, TN, TX, VA, VT, WA, WI

This 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: http://www.morganstanley.com/disclaimers/mssbemail.html. Any profiles and associated content are for U.S. residents only

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and CFP (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA, Certified Investment Management Analyst (with graph element)®, and Certified Investment Management Analyst .

Awards Disclosures