PETER J. DELLA-CROCE, CRPC , CIMA , is a Senior Financial Advisor, and Senior Vice President and has been in the Financial Services since 1999. He advises individuals, tax-exempt organizations as well as retirement plans regarding investments, lending, cash management and the investment planning process. Prior to joining Morgan Stanley, Peter was with Merrill Lynch for 22 years. He received his B.S. in Finance from the University of Maryland's Robert H. Smith School of Business. Peter holds the Chartered Retirement Planning Counselor(SM) designation as well as the Certified Investment Management Analyst designation CIMA awarded by the Investments & Wealth Institute (The Institute). Peter is a member of the Meals on Wheels of Central Maryland Board of Directors, The Arc of Howard County's Leadership Development and Resource Development Committees and his hobbies include golf, cycling, as well as competing in triathlons. Peter resides in Marriottsville, MD with his wife and two daughters. *Chartered Retirement Planning Counselor and CRPC are registered service marks of the College for Financial Planning *Investments & Wealth Institute (The Institute) is the owner of the certification marks CIMA and Certified Investment Management Analyst. Use of CIMA, and/or Certified Investment Management Analyst signifies that the user has successfully completed the Institute's initial and ongoing credentialing requirements for investment management professionals. 