Michael Dacruz

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Current Employers

Morgan Stanley

2000 Westchester Avenue, Purchase, NY 10577-2530 • United States

Current Registrations

Authority	Category	Status	Date
TX	RA	APPROVED	2026-05-29
NJ	RA	APPROVED	2026-03-09

TX RA
APPROVED

Since 2026-05-29
NJ RA
APPROVED

Since 2026-03-09

Branch Locations

1030 Broad Street 3Rd Floor, Shrewsbury, NJ 07702 • United States

Disclosures

No disclosure categories reported as “Yes” on this SEC record.

Regulatory action No
Criminal No
Bankruptcy No
Civil judicial No
Bond No
Judgment / lien No
Investigation No
Customer complaint No
Termination No

Employment History

Organization	City	State	From	To
Morgan Stanley	Shrewsbury	NJ	01/2026	Present
Better Mortgage	New York	NY	02/2019	09/2022
At-Bay Insurance	New York	NY	10/2022	02/2023
Freewheel	New York	NY	10/2023	10/2025
Unemployed	New York	NY	11/2025	12/2025
Unemployed	New York	NY	03/2023	09/2023
Full-Time Education @ Nyu	New York	NY	09/2015	05/2018
Unemployed	New York	NY	06/2018	01/2019
Morgan Stanley Private Bank, N.A	New York	NY	03/2026	Present

01/2026 → Present

Morgan Stanley

Shrewsbury, NJ
02/2019 → 09/2022

Better Mortgage

New York, NY
10/2022 → 02/2023

At-Bay Insurance

New York, NY
10/2023 → 10/2025

Freewheel

New York, NY
11/2025 → 12/2025

Unemployed

New York, NY
03/2023 → 09/2023

Unemployed

New York, NY
09/2015 → 05/2018

Full-Time Education @ Nyu

New York, NY
06/2018 → 01/2019

Unemployed

New York, NY
03/2026 → Present

Morgan Stanley Private Bank, N.A

New York, NY

Exams

Code	Exam	Date
S66	Uniform Combined State Law Examination	2026-03-06

S66 Uniform Combined State Law Examination

2026-03-06

Other Names

Michael Anthony Dacruz

View on SEC IAPD

Other Firms

STIFEL, NICOLAUS & COMPANY, INCORPORATED

PARK AVENUE SECURITIES LLC

SANCTUARY ADVISORS, LLC

WORLD INVESTMENT ADVISORS, LLC

RAYMOND JAMES FINANCIAL SERVICES ADVISORS, INC

PFS INVESTMENTS INC.

RAYMOND JAMES & ASSOCIATES, INC.

CETERA INVESTMENT ADVISERS LLC

Other Investors

LORI ROSE ATTANASIO

Melanie D Kramer

CARI ROBYN PAKULA

HENRY EDWARD FRENZEL

LARRY HOWARD LEHRMAN

DAVID THOMAS PALLADINO

RICHARD JOSEPH SALERNO

KEITH JOSEPH RYAN

Other Offices

STIFEL, NICOLAUS & COMPANY, INCORPORATED · SHREWSBURY, NJ

PARK AVENUE SECURITIES LLC · SHREWSBURY, NJ

SANCTUARY ADVISORS, LLC · SHREWSBURY, NJ

WORLD INVESTMENT ADVISORS, LLC · SHREWSBURY, NJ

RAYMOND JAMES FINANCIAL SERVICES ADVISORS, INC · SHREWSBURY, NJ

PFS INVESTMENTS INC. · TINTON FALLS, NJ

RAYMOND JAMES & ASSOCIATES, INC. · Tinton Falls, NJ

CETERA INVESTMENT ADVISERS LLC · Tinton Falls, NJ

More in Shrewsbury, NJ

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