Dave Zirretta

Executive Director, Senior Portfolio Management Director , Financial Advisor

Contact Me
Dave Zirretta


Planning & Solutions for Retirement Income, Wealth Creation, Liability & Cash Management

My Story and Services


My Investment Advisory practice is tailored to your specific wealth management needs. My wealth management practice is built around a firm understanding of the principles that govern Wealth & Portfolio Management, Retirement & Income Planning and Advising. I believe our success is proven in the sustainability of our long term client relationships and support. My integrated planning uses a three level approach:

1. Financial, Retirement Income & Investment Planning - a holistic Financial Planning process: comprehensive, instructional, and forward thinking. This drives Levels 2 & 3, and tailors our approach to each client and their families.

2. Wealth & Portfolio Management - fundamental analysis determines the level of equity to fixed-income exposure based on global geopolitical and economic affairs & markets. Technical analysis helps to provide the framework for appropriate investment selections in my discretionary portfolios. Portfolios are determined by client’s risk tolerance, goals, and time horizon.

3. Risk - seeking to avoid catastrophic losses, and streamlining the use of cash to meet short term needs.

David K. Zirretta, Executive Director & Financial Advisor, has been advising Families for 20 years. In general, my principles attempt to produce consistent support and tailored solutions to the specific needs of our clientele and their families.

Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision. 

The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities.  The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.

Access to Private Banking >

Services Include

  • Wealth Management
  • Financial Planning
  • Retirement Planning
  • Professional Portfolio Management
  • Cash Management
  • 401(k) Rollovers
  • Asset Management
  • Lending Products
  • Alternative Investments
  • 529 Plans

Securities Agent: AZ, CA, CO, DC, DE, FL, GA, IL, MA, MD, MS, NC, NH, NJ, NY, OK, PA, SC, TN, TX, UT, VA, VT, WA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures

NMLS#: 1255350

Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck.

Working With You

Working With You

I seek to help Client Families make informed, confident decisions about planning for the future.

My Core Principles:

1. We help our clients make informed, confident decisions about their plans for retirement and the growth and preservation of their estates & wealth.

2. Our business model consists of a disciplined asset management process and personalized service, in addition to a holistic approach to retirement, income and estate planning strategies.

3. I work for our clients as I would for our own family, and I aspire to establish lasting, meaningful relationships built on trust and a high level of client service.

Client Service Team

Client Service Team

Beth Pharr

Portfolio Associate, Financial Planning Associate

Direct: 410-602-6456
Fax: 410-384-4935



  • 2650 Quarry Lake Drive
  • Suite 200
  • Baltimore, MD 21209

    Insights and Outcomes

    Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.


    Working closely with you to guide your wealth and investments through the most challenging market cycles.

    • Asset management
    • Traditional investments
    • Alternative Investments
    • Impact Investing


    Creating customized financial strategies for the challenges that today's families face.

    • Estate Planning
    • 529 Plans / Education Planning
    • Long Term Care Insurance
    • Trust Services and Accounting


    Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

    • 401(k) Rollovers
    • IRA Plans
    • Retirement income strategies
    • Annuities


    Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.

    • Endowments
    • Foundations
    • Donor Advised Funds
    • Impact Investing

    Business Planning

    Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Corporate Pension Funds

    More From Morgan Stanley

    Ready to start a conversation? Contact Dave Zirretta today.

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

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    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.

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